Leave DROP with the right rollover decision, not a costly one
Lump sum, direct rollover, or a mix. One form, one deadline, and a tax bill that depends on what you tick. Get your options explained by Florida-licensed agents who focus on FRS retirement before you sign anything.
- Your DP-PAYT form and FRS timeline, walked through line by line
- Every rollover account type compared side by side, in plain English
- The mistakes FRS retirees make most often, and how to avoid them
An independent educational service. We are not the Florida Retirement System, the Division of Retirement, or any state agency. For your FRS account, visit myfrs.com.
Book your free review
Pick a time below. By phone, about 30 minutes, with Todd or Amy.
Calendar not showing? Open it in a new tabFree. No obligation. Nothing to buy and nothing to bring.
Booking is handled by Calendly and used only to arrange your review. Privacy policy
You worked 30 years for this pension. The exit paperwork should not be where it goes wrong.
FRS tells you the rules. It does not tell you which choice fits your life, your taxes, or your spouse. Most members we talk to feel the same three things.
The deadline is real and the form is final
Your DP-PAYT choice sets how your DROP account is paid out. Once it is filed, it is filed. Most members get one short window to decide and no one to ask.
The tax difference is bigger than people expect
A lump sum, a direct rollover, and a partial rollover are taxed differently. Pick the wrong one for your situation and the difference is paid once, for good.
Everyone with an opinion is selling something
You should be able to understand your own options before anyone pitches a product. That is why the review is educational first, and why nothing is bought on the call.
Unsure what to do with your DROP funds? Start here.
Every form, every option, and the questions FRS retirees forget to ask
Thirty minutes, by phone, at your pace. You leave with a written checklist and a clear picture of which choice fits you.
- Your FRS 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, FRS Investment Plan, 403(b) and 457(b), traditional IRA and annuity options, side by side - Income after DROP
How your pension, DROP account and other savings fit together month to month - What retirees overlook
Spouse options, health coverage timing, and the questions to ask before you sign
- 0 to 5Where you are: DROP end date, plan type, what FRS has sent you so far
- 5 to 15Your DP-PAYT form, line by line, and the tax effect of each box
- 15 to 25Rollover account types compared against what you actually want the money to do
- 25 to 30Your written checklist: what to file, when, and what to decide next
The review is built for the final 90 days
Your DP-PAYT paperwork is arriving
This is the window the review exists for. A review now means your choice is made with time to spare, not on the deadline.
Book a free reviewDifferent plan, same kind of decision
Distribution options, rollover timing, and how your Investment Plan balance turns into retirement income.
See the Investment Plan reviewMore than 90 days from your DROP end date? The review is built for the final 90 days, when your forms and deadlines are in front of you. The official FRS forms and FAQs are linked at the bottom of this page, and you are welcome back when your 90-day window opens.
Todd and Amy have walked FRS members through this exact decision since 2018
"We know what it feels like to open the DROP packet and realise no one is going to explain it to you. That is the whole reason we do these reviews."
Todd and Amy West are a husband-and-wife team based in Orlando, licensed through the Florida Department of Financial Services, and focused on Florida Retirement System members since 2018. Most of the people they talk to are leaving DROP or retiring from the Investment Plan. That is the only thing the review is about.
Three steps, and the first one takes a minute
Pick a time
Choose any open time on the calendar. You get a confirmation by email and a call from Todd or Amy at the time you picked.
Talk through your options
A 30-minute phone review of your DROP or Investment Plan exit: forms, deadlines, and every rollover option compared.
Leave with your checklist
A written list of what to file, when, and what to decide. You make the decision. We make sure it is an informed one.
What the review felt like for people in your position
"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."
Reviews reflect the individual experiences of FRS members who booked a review. They may not be representative of the experience of others and are not a guarantee of any outcome. Read more on our Google profile.
The questions people ask first
Is this a sales call?
Is it really free?
Are you the Florida Retirement System?
What do I need to have ready?
I am not in DROP. Can I still book?
Can my spouse join the call?
If your DROP ends in the next 90 days and the paperwork is not clear yet, a review is the right first move
Thirty minutes now means the form is filed with confidence, the rollover fits your plans, and the retirement you worked for starts the way it should.
- Your DP-PAYT choices explained before you file
- A written checklist to keep
- Free, by phone, no obligation
Book your free review
Pick any open time. It takes about a minute, and you get a confirmation by email.
Book a free reviewFree. No obligation. Nothing to buy and nothing to bring.