Florida's Independent Retirement Advisor
Retirement Planning
Built for Florida Families
Maria Navas helps Florida families and individuals create secure, personalized retirement plans — with access to 88 companies and no product bias. Specialists in FRS planning for teachers and state employees.
✓ No obligation ✓ Independent advice ✓ 88 companies compared for you
88+
Retirement Companies
100+
Florida Families Served
30-min
Minute Free Consultation
5
Core Retirement Services
Retirement Services Built Around You
From your first savings account to creating guaranteed lifetime income — we cover every stage of your retirement journey.
Retirement Planning
Comprehensive, personalized retirement planning that gives you access to 88 companies and flexible savings vehicles aligned with your goals.
Learn More401(k) Rollover
Penalty-free 401(k) rollovers and recovery of abandoned retirement accounts across Florida. Your old 401(k) could be worth more than you think.
Learn MoreIRA Planning
Strategic IRA planning including Roth conversions, contribution optimization, and IRA rollover coordination to minimize taxes and maximize growth.
Learn MoreGrow Your Savings
Expert savings growth strategies with risk management built in — whether you are starting out or looking to maximize an existing portfolio heading into retirement.
Learn MorePortfolio Restructuring
Portfolio review and restructuring to reduce risk, cut unnecessary fees, and align your investments with where you actually are in life.
Learn MoreIncome For Life
Lifetime income planning that creates a guaranteed monthly income stream in retirement — so you never have to worry about outliving your money.
Learn MoreFRS Planning
Specialized Florida Retirement System (FRS) planning for teachers, state employees, county workers, and public school employees navigating pension vs. investment plan decisions.
Learn MoreWhy Florida Families Choose Maria Navas
Truly Independent
We are not captive agents. We are not tied to any one company or product line. We compare options from 88 companies to find what is best for you.
FRS Specialists
Florida teachers and state employees have unique retirement decisions — pension vs. investment plan, DROP, supplemental income. We know the system inside and out.
Florida-Focused
We understand Florida's unique retirement environment: no state income tax, FRS eligibility, Florida-specific insurance carriers, and local market conditions.
Plain-English Guidance
No jargon, no confusing products, no pressure. We explain every option clearly so you can make confident decisions about your financial future.
How It Works
Four simple steps to your personalized retirement plan.
Book a Free Call
Schedule your free 30-minute consultation online or by calling 786-402-3077.
Review Your Situation
Maria reviews your current savings, income, accounts, and retirement goals.
Get Your Custom Plan
We build a personalized plan comparing options from 88 companies — tailored to you.
Retire With Confidence
We implement your plan and stay by your side as your life and goals evolve.
Serving Families Across Florida
We serve clients in every major Florida city and county.
Miami
Miami-Dade County
Tampa
Hillsborough County
Orlando
Orange County
Jacksonville
Duval County
Sarasota
Sarasota County
St. Petersburg
Pinellas County
Naples
Collier County
Fort Lauderdale
Broward County
Tallahassee
Leon County
Gainesville
Alachua County
Clearwater
Pinellas County
Fort Myers
Lee County
Boca Raton
Palm Beach County
Pensacola
Escambia County
Ocala
Marion County
Common Questions About Retirement Planning in Florida
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.