Get your personal DROP review

Guiding you step by step through the Florida Retirement System

Get clear step-by-step guidance on your Florida Retirement System forms, timelines, DROP rollover and options during your personal review.

Your DP-PAYT form and Florida Retirement System timeline, walked through line by line
Every rollover account type compared side by side
The mistakes Florida Retirement System retirees make most often, and how to avoid them

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 Review

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Guiding you step-by-step through the Florida Retirement System

Schedule My FRS Review

The benefits of your review

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 Florida Retirement System forms and timeline
What to file, in what order, and by when.
Your DP-PAYT choices
Lump sum, direct rollover, or partial, and what each means for tax.
Rollover account types, compared
Deferred comp, the Investment Plan, 403(b), 457(b), IRAs and annuities.
Income after DROP
How your pension, DROP account and other accounts work together.
What retirees overlook
Beneficiaries, spouse needs, health coverage, tax strategy and asset protection.

About us

Todd and Amy West

Todd and Amy West will conduct your personal review and provide clear, step-by-step guidance, delivering educational and informative support. They will also share tips that many Florida Retirement System retirees miss, to help build confidence, clarity and peace of mind.

Todd and Amy are a husband-and-wife team with a servant heart and a passion for financial literacy, licensed through the Florida Department of Financial Services. They guide hundreds of Florida Retirement System employees into retirement each month.

With access to retirement products from more than 60 national carriers, they can help you compare options designed to protect your retirement assets while offering opportunities for growth, protection and income. Their commitment to providing exceptional service is reflected in hundreds of 5-star reviews from Florida Retirement System retirees.

Licensed through the Florida Department of Financial Services60+ national carriersHundreds of 5-star reviews

Reviews

Some of our hundreds of 5-star reviews

“I didn't know much about my account. Thank you for taking time to explain everything to me. I now feel prepared to exit my employment and better understand my state benefits.”

“The moment we first spoke you put me at ease. After 31 years working I was stressed about my retirement. You explained step by step what I need to do and provided me with an outline. This is what I needed.”

“A gift of sanity amid a stressful and anxiety ridden time prior to my recent retirement. Patient, caring and eager to guide me through a mountain of paperwork.”

“I spoke with other advisors who felt like sales people. You both not only took your time but never pressured me. My retirement was a stressful time and you made it peaceful.”

“I appreciate your time and attention to my needs. After meeting with 5 separate financial advisors you are the only ones that showed concern for my needs.”

“They moved at my pace and never rushed me to make a decision. They showed me multiple retirement options to consider.”

“Todd & Amy were very patient with me. They took their time to explain things step by step. Their focus was on making sure my needs were being met and my retirement was secure. Thank you!”

“I appreciate you taking the time to thoroughly explain things to me. You have really helped me to understand this process much better and provided me with lots of answers. I have to admit, when I first signed my papers five years ago I was shaking like a leaf. As much as I want to retire, the thought of not having a job is terrifying! But I am feeling much better about it now. So thank you very much!”

“Thank you for being very professional and accommodating to my needs and concerns. You made this process seamless for me. I'm grateful to you and your company!”

“Amy has kept me in the loop for my entire retirement process. Can't thank her enough!”

How it works

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 DROP exit, step by step: your forms, your deadlines and every rollover option.

Leave well informed

With your personal checklist, ready for a seamless transition into retirement.

Schedule My FRS Review

Why your personal review matters

Some DROP decisions are hard to undo

Once your DROP paperwork starts arriving, the clock is running.

You have 60 days to choose. FRS must receive your completed DP-PAYT within 60 days after your DROP termination. If it does not, FRS sends your balance as a lump sum with 20% federal tax withheld.
Going back to work has rules. Have FRS review any job or volunteer role with a Florida Retirement System employer before you start.
Secure your review early. Many Florida Retirement System members are school employees who retire when the school year ends, so late spring and summer are busy. Todd and Amy conduct every review personally, so schedule yours as soon as your 90-day window opens.

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 Review

More than 90 days from retiring?

Get the general DROP checklist now

The forms, the deadlines, and the eight questions to answer before you file your DP-PAYT. Schedule My FRS Review when your 90-day window opens, and we will help provide a seamless transition into retirement.