🎓 Florida Retirement Solutions
Expert FRS Planning for Florida Teachers & State Employees
Specialized Florida Retirement System (FRS) planning for teachers, state employees, county workers, and public school employees navigating pension vs. investment plan decisions.
About Florida Retirement System (FRS) Planning
If you are a Florida teacher, state employee, county worker, or other FRS member, your retirement decisions are uniquely complex. The choice between the FRS Pension Plan and the FRS Investment Plan is one of the most important financial decisions of your career — and it is often irreversible.
Florida Retirement Solutions specializes in helping FRS members understand their options, model out the numbers, and make confident decisions. Maria Navas has helped hundreds of Florida educators and public employees navigate FRS decisions, the DROP program, and building supplemental retirement income alongside their state benefits.
What You Get
- FRS Pension vs. Investment Plan comparison with real numbers
- DROP program analysis and enrollment guidance
- Supplemental savings planning alongside FRS benefits
- Teachers, state employees, county workers welcome
- Plain-English explanation of all FRS options
The Process
FRS Benefit Review
We pull up your FRS benefit statement and review your accrued pension, vesting status, and plan options.
Pension vs. Investment Plan Analysis
We model both options with real numbers to show you which plan pays more over your expected retirement.
DROP Decision (if eligible)
If you are eligible for DROP, we analyze the financial impact and optimal timing for enrollment.
Supplemental Income Plan
We build a supplemental savings plan to fill any gaps between your FRS benefit and your retirement income goal.
Get Started Today
Free 30-minute consultation with Maria Navas. No pressure. No obligation. Just clarity.
✓ Independent — no product bias
✓ Access to 88 companies
✓ Serving all of Florida
✓ FRS specialists
Common Questions About FRS Planning
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Ready to Secure Your Retirement?
Schedule a free 30-minute consultation with Maria Navas. No pressure. No obligation.
Independent advice. Access to 88 companies. Serving all of Florida.