Guiding you step by step through the Florida Retirement System
Get clear step-by-step guidance on your Florida Retirement System Investment Plan options, timelines, distributions and rollovers during your personal review.
- Every Investment Plan distribution option compared side by side
- Retirement exit planning: your distribution choices, paperwork and retirement timing
- Comparing rollover options, including keeping your funds in the Investment Plan
- Exploring ways to help protect your hard-earned savings and create lifetime income
While the Florida Retirement System offers some resources regarding your retirement benefits, understanding this information can be challenging, and it often lacks personalized guidance tailored to your unique circumstances.
Schedule My FRS ReviewBooking is handled by Calendly and used only to arrange your review. Privacy policy
Guiding you step-by-step through the Florida Retirement System
Your forms, your options, and the questions to ask before you retire
After your review, you’ll receive your personal checklist, which will help provide a seamless transition into retirement.
- Your distribution options
Leave it in the plan, roll it over, partial withdrawals, or income. What each one means for you. - Tax and timing
What is taxed now, what is taxed later, and why the order of steps matters. - Rollover account types, compared
Where Investment Plan money can go and what you give up or gain with each. - Income in retirement
How your Investment Plan, Social Security and other retirement accounts work together. - What members overlook
Beneficiaries, spouse needs, health coverage, tax strategy and asset protection.
Retirement is an important milestone. Investment Plan paperwork, timelines and distribution choices can feel overwhelming, and having someone explain the process makes a real difference.
Todd and Amy West are a husband-and-wife team licensed by the Florida Department of Financial Services. Each month they help hundreds of FRS employees and retirees understand their choices through clear, step-by-step education and personal support.
They take time to answer your questions, move at your pace and stay responsive throughout the process, which is reflected in hundreds of five-star reviews from FRS retirees.
Some of our hundreds of five-star reviews
As simple as 1, 2, 3
Schedule your review
Pick a time on the calendar. You get a confirmation by email and a call from Todd or Amy at the time you picked.
Walk through your timeline, forms and options
Your Investment Plan exit, step by step: your distribution options, taxes and timing.
Leave well informed
With your personal checklist, ready for a seamless transition into retirement.
Some Investment Plan decisions are hard to take back
Your balance is yours to decide what to do with, and the timing rules are easy to miss.
- Access can take time. Depending on your situation, it can take up to three months after you leave before you can access your funds, so plan before your last day.
- Going back to work has rules. Have FRS review any job or volunteer role with a Florida Retirement System employer before you start.
- Taxes depend on how you take it. Cash distributions generally have 20% federal tax withheld, while a direct rollover generally does not.
- Schedule your review early. With hundreds of FRS members retiring each month, schedule your personal review with Todd and Amy as soon as your 90-day window opens. Planning early gives you time to understand your options, make informed decisions, and prepare for a smoother transition into retirement.
A 30-minute personal review walks you through your forms, your deadlines and your options, so you make each choice with a clear picture.
Schedule My FRS ReviewGet the general Investment Plan checklist now
The options, the tax questions, and the steps to take before you request a distribution. Schedule My FRS Review when your 90-day window opens, and we will help provide a seamless transition into retirement.
