What should you do with an FRS DROP lump sum?
A problem-first framework for liquidity, rollovers, taxes, investment risk, retirement income, and family protection before moving DROP money.
9-minute readRead the insight →
FRS Insights
Clear answers for connected retirement decisions.
Focused education for people who want to understand how taxes, retirement accounts, Medicare premiums, income, and legacy decisions can interact before implementation.
Start with the question
Tax-aware planning is rarely about one isolated move.
These articles explain the mechanics behind common retirement decisions, identify the tradeoffs worth modeling, and point to the government sources behind the rules. They are educational starting points—not personalized recommendations.
FRS Pension Plan vs. Investment Plan: retirement-income questions to compare
How the two FRS retirement plans differ—and the household questions that matter beyond a benefit estimate or account balance.
9-minute readRead the insight →
Retiring before Medicare: a guide for Florida Special Risk employees
Coordinate the health-coverage bridge, pension or account income, taxes, and household reserves before leaving public-safety employment.
8-minute readRead the insight →
FRS survivor options: questions couples should answer before retirement
A household framework for pension elections, beneficiaries, insurance, taxes, healthcare, and income after the first death.
8-minute readRead the insight →
Do Roth conversions affect Medicare IRMAA?
Why a taxable Roth conversion can influence future Medicare Part B and Part D premiums—and how to evaluate the tradeoff.
7-minute readRead the insight →
How much should you convert to Roth each year?
A practical framework for evaluating an annual conversion amount without treating one tax bracket as the entire decision.
8-minute readRead the insight →
Why the years before RMDs can create a Roth-conversion window
How retirement, required distributions, survivor taxes, and future account balances can shape a multi-year conversion strategy.
8-minute readRead the insight →
Your facts come first