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Florida Retirement System Employees (FRS)


In building our firm around pre-retirees and retirees, we have developed a large network of clients that are retiring through the Florida Retirement System (FRS). FRS employees often include administrators, professionals, police officers, or those employed through state college. We work well with these clients because they may not have the time, desire, or knowledge to manage their financial decisions. We help simplify the many FRS options available and educate our clients on the choices they have.

Too often, financial planners may not fully understand the many intricacies of the Florida Retirement System and can’t recommend options suited for the client. But at IWM Group, we have been working with retirees from this market for years and have an intimate understanding of the benefits available to you.

If you are part of the Florida Retirement System and have questions about your future, we encourage you to reach out today. Together, we can have a no-obligation, complimentary meeting to discuss your personal situation. Investment plan vs Pension plan, DROP or no DROP, service credits, etc. Theses are just some of the many questions almost all FRS participants have that we have a deep understanding of. 

If you're considering  DROP, some questions you may be asking yourself:

If you're considering  DROP, some questions you may be asking yourself:

  • Is DROP right for me? 
  • Am I ready to retire?
  • Do I have enough money to retire?
  • What are the next steps?
  • What are my options for my DROP account?
  • Which pension option is best for my family and me?
  • Should I convert to the investment plan or stay in the Pension plan?
  • How do I reduce my tax liability?
  • Should I roll over sick/accrued or annual leave?
  • When should I claim Social Security?