Your FRS retirement educational resource
Your Florida Retirement System Retirement Playbook is ready.
Enter your name and email to open the 2026 playbook. It brings FRS benefits, DROP questions, retirement-income decisions, taxes, Social Security, Medicare, and fillable planning pages into one practical place.
Built for FRS-participating educators, firefighters, law-enforcement officers, and other Florida public employees preparing for retirement.
No phone number, purchase, or appointment is required to receive the playbook.
Your FRS retirement decision path
See how one retirement decision can affect the next.
Select each checkpoint to see how the playbook helps organize the questions that may deserve attention. This educational planning sequence is not an official FRS process or a recommendation to take any particular action.
Starting pointKnow your FRS plan and timeline
Identify the Pension Plan or Investment Plan, relevant service milestones, and the questions surrounding DROP or separation from service.
TransitionCoordinate when income sources begin
Place the end of employment income, FRS benefits, Social Security, and other retirement-income sources on one working timeline.
CoordinationReview taxes and Medicare together
Organize questions about withdrawals, conversions, Social Security, taxable income, and Medicare premiums before evaluating any specific strategy.
Next stepTurn the workbook into a focused conversation
Use the fillable pages to capture what you know, identify what remains unclear, and decide whether an optional personal review would be useful.
Martine Financial Co d/b/a Family Retirement Services is independent from and is 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 FRS-participating employer, or any government employer. This educational resource does not provide individualized tax, legal, or investment advice.