for being in a position to begin considering your retirement options within the Florida Retirement System (FRS). The decision to retire requires considerations that will affect your comfort and financial well being for the rest of your life. FRS requires that you make those decisions in a timely manner, and must be completed with in the “election period” allotted.  You must consider your pension and what it provides; income to cover living expenses, earnings from other investments, how your FRS options might affect your personal net worth, the need for insurance, and any tax ramifications your choices may make. Many of the decisions you must make are irreversible, therefore it is important that you educate yourself.  Some things we suggest:

§ Research your options through the Division of Retirement

§ Visit to find your projected retirement values.

§ Consult a trustworthy financial advisor

§ Obtain advice from a reputable tax expert

The good news – as a member of the Florida Retirement Systems alternatives, you have excellent opportunities to plan for your future financial security. There is a wide selection of choices within the system, and understanding how these options will best suit you is not that difficult.  Along with the standard Pension, you also may choose the DROP program, the FRS Investment Plan, or, after retirement, you may choose to “rollover” the lump sum value of your plan into a self-directed IRA, where YOU have complete control over your finances. Selecting the best option for you and your family may well be the most important decision you ever make.

Our experience has demonstrated that trying to wade through the information provided on the FRS web-site, while thorough, can be confusing, and FRS Options provides a forum to help you sort through the information so you can make the best decision for you and your family.

FRS Options is a free, no-obligation resource. Our goal is to provide you with the necessary tools to make the most appropriate decision for YOUR particular circumstances.  We encourage you to write in your comments and questions, and provide feedback to others on our forum.  Your decisions will affect your quality of life in retirement, and your families after you are gone.

We urge you to verify FRS information by referring to, as well as the links provided on the links page.  We do not provide tax or legal advice, nor offer financial or investment advice.  You should consult your tax and legal advisors before taking any action that could have tax or legal consequences.  Information contained throughout this website is deemed to be accurate, but should be verified with the appropriate sources before action is taken.