Know which FRS plan you have
Distinguish the Pension Plan from the Investment Plan before discussing DROP, distributions, or retirement-income strategy.
Florida educators and school employees
Turn your FRS benefit into a retirement plan you can explain.
Download a practical 10-page playbook for educators who want to distinguish the FRS Pension Plan, Investment Plan, and Pension Plan-only DROP program—then connect those choices with retirement income and taxes.
FRS plan clarityDROP decisionsTax-aware incomePlanning worksheets
Created by Family Retirement Services in Lake Worth, serving educators throughout Palm Beach County and across Florida.
What is inside
A planning workbook—not another pile of retirement brochures.
Use the guide to organize the questions that connect your FRS benefit with the rest of your retirement household.
Prepare for DROP and separation
Organize the questions around DROP timing, the accumulated benefit, payout choices, and the transition from employment.
Map the first 90 days
Build a checklist for benefit elections, account consolidation, health coverage, cash reserves, and the first retirement-income decisions.
The FRS distinction matters
DROP is not a third FRS retirement plan.
FRS has two retirement plans: the Pension Plan and the Investment Plan. DROP is available only to eligible Pension Plan members.
The playbook keeps those paths separate so Florida teachers and school employees can ask better questions before making elections or moving retirement money.
Get the Educator PlaybookConfirm official plan details first.
Use MyFRS program information ↗ and the Florida Division of Retirement to confirm eligibility, estimates, dates, forms, and plan rules.
Then coordinate those official benefits with household cash flow, investments, Social Security, Medicare, insurance, beneficiaries, and taxes.
Independent planning perspective
Meet locally in Lake Worth or remotely across Florida.
Terry Martine works with Florida public employees who want their FRS benefit, investment accounts, tax questions, and family priorities considered together.
Office: 8461 Lake Worth Road, Suite 477, Lake Worth, FL 33467
Local: (561) 867-8332
Toll-free: (833) 842-7778
Important: Family Retirement Services and Martine Financial are independent from and are not affiliated with, endorsed by, or acting on behalf of the Florida Retirement System, MyFRS, the Florida Division of Retirement, the State Board of Administration, any school district, or any government employer.
The playbook is educational and does not provide individualized tax, legal, or investment advice. Confirm official plan information with the appropriate agency and review tax or legal questions with qualified independent professionals.