About The FRS Retirement Guide

Built for the people who keep Florida's communities running

Why This Guide Exists

Many Florida Retirement System (FRS) participants tell us the same thing:

• “I know retirement decisions are important, but I’m not sure where to start.”

• “The information is out there, but it’s hard to understand how it all fits together.”
  

• “I don’t want to make a mistake or miss something I can’t undo.”

Official FRS resources are detailed and comprehensive — but they can feel overwhelming, especially when you’re approaching key decisions involving retirement timing, DROP participation, or plan options.

This guide was created to make those topics easier to understand, in plain English, and in one place.

What We Do

The FRS Retirement Guide is an independent educational resource designed to help Florida public employees:

• Understand how the FRS Pension Plan and Investment Plan work
  

• Learn the basics of the Deferred Retirement Option Program (DROP)
  

• Identify important retirement decision points and timelines
  

• Prepare questions before making long-term or irreversible choices
  

Our focus is education first — helping you feel informed, prepared, and confident before taking next steps.

We do not replace the Florida Retirement System, and we do not make decisions for you.

Who Operates This Site

The FRS Retirement Guide is operated by Florida Retirement Planning Guide, a registered fictitious name of TIMCO Wealth LLC.

We are not affiliated with, endorsed by, or connected to the Florida Retirement System (FRS), the State of Florida, or any government agency.

Our role is to provide independent educational insight that complements — not competes with — official FRS resources.

Our Approach

We believe retirement education should be:

• Clear, not complicated
  

• Respectful, not sales-driven
  

• Supportive, not overwhelming

Many people choose to schedule a conversation with us simply to walk through their situation, clarify options, and understand what questions matter most — without pressure and without obligation.

A Thank You

If you’re a Florida public employee, we want to say this directly:

Thank you for your service to Florida’s communities.

This guide exists because the work you do matters — and you deserve retirement education that respects that.