Proudly Serving Florida Retirement System State Employees

Schedule your FRS DROP Review

A valuable resource that guides you step-by-step through the retirement planning process

benefits

Benefits Of My FRS Review

With your retirement right around the corner don't forget to schedule your personal FRS retirement review. We know retiring from the Florida Retirement System can be overwhelming. Your personal review is educational and informative which will help provide a seamless transition into retirement. Click below to schedule your review which will be conducted over the phone and typically takes about 30-minutes.

Areas of Expertise

The Florida Retirement System (FRS Pension, FRS Investment, FRS DROP)

Highlight Your FRS Forms

Form details, sections, and timelines: DP-TERM, DP-PAYT, HIS-1, W4-P, etc

Go Over Your FRS DP-PAYT Form

Lump Sum -or- Direct Rollover -or- Partial Withdrawal / Rollover

Review Your DROP Rollover Account Options

(Deferred Comp 457 vs. FRS Investment vs. 403b vs. Bank vs. Protected Retirement Account)

Explore Your DROP Rollover Options:

Option 1: Guaranteed Protection with Growth + Lifetime Income Payments
Option 2: Guaranteed Protection with Growth + Maximize DROP with a Rollover Bonus

Watch This Brief Video Below

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About Us

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. By working with Todd and Amy West, you gain access to specialized advice from financial professionals who possess extensive expertise in FRS retirement benefits, ensuring you receive educational and informative support for your retirement planning.

Todd and Amy West are a dedicated husband and wife team that have a servant heart and advocates for financial literacy licensed through the Florida Department of Financial Services. As FRS and DROP specialists they've helped thousands of state employees transition into retirement.

Todd and Amy are FRS DROP retirement specialists and financial advocates assisting state employees with their retirement needs. Their focus is on providing an unbiased review that addresses the needs of state employees for growth, protection, and guaranteed retirement income.

TESTIMONIAL

Client Reviews

You attention to my needs was so impressive I felt comfortable after the first appointment. I know as my Advocate you will be with me throughout my retirement years!

Michael

I hired another advisor but after speaking with you and your wife I'm moving forward with Advocate Financial! You both are very professional unlike other advisor who are looking to take my money. You put my needs first and that doesn't go unnoticed. Thank you

Jennifer

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.

Scott

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!

Brittany

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!

Vickie

Did a great job for me and was very responsive. Great customer service and I appreciate her assistance in helping me with my new policy.

Kyle S

Wow, you made this process very easy. I feel very comfortable that I can retire now. I appreciate your patience with you. You took your time with me and I'm forever grateful.

Steve

I spoke to three other advisors and Advocate Financial was the only one who asked me about my needs. You were more concerned with my needs over anything else. Thank you!

Barbara

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

Susan

Highly recommend Todd & Amy at Advocate Financial. They took their time with me. They are both very knowledgeable. Thank you for helping me along this path to financial security.

Jessica

Loved working with Todd! He was very knowledgeable and helpful and answered every question we had. I feel that the future we are planning for our children is secure and in great hands.

Melissa D

Very professional, east to work with and answered all my questions. I high recommend them!

Vicki R

Advocate Financial is a wonderful business to work with. Amy and Todd are very professional and take time to review individual needs.

Diana C

Todd and Amy were very helpful to me and my family. The plan they helped me set up will ensure my daughters have something to fall back on in the future. I highly recommend working with this company.

Jeremie D

Thank you!! You guys are truly the best! I could not have done it without you. I am going to share your information with all of my friends

Brandi

It has definitely been both a blessing and delight to work with Carrie. She has proven to be personable, extremely knowledgeable, professional and very timely. She demonstrates a genuine concern for her customers. I appreciate all of her efforts to ensure that I am able to maximize my resources before retirement. When investing into your future, I highly recommend Financial Advocate.

Zerelda

Thank you for the peace of mind heading into retirement.

Jennifer

This is what I needed. You are the only company I recommend.  I have my state pension and now a second source of income for my retirement.

Shelly

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.

Randy

Wow - you helped me retire earlier than excepted - Thank you!

Jennifer

Thank you for taking time to explain things step by step, You attention to detail is truly a blessing.

Manny

I recommend Advocate Financial, they care more about my needs than making a profit. I love the no management fees and the fact that you will be with me each step even after I retire.

Michelle

Highly recommend Todd & Amy at Advocate Financial. They both are a blessing. They moved at my pace and never rushed me to make a decision. They showed me multiple retirement options to consider.

Sheree

Todd and Amy West are top notch and very knowledgeable. Also very patient because financial investments is new to me and I had a lot of questions. Highly Recommend!

Jeffery T. W

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!

Winston O

Wow - Todd & Amy West are not you're typical financial services agents. They cared more about understanding my needs then any other advisors did. Todd & Amy are extremely patient and flexible. I highly recommend them to anyone looking for financial services and retirement planning!

Shelly B

Todd & Amy were extremely patient and helpful. Forever grateful - Thank you!

Parmawati K

Todd & Amy West are people who make you feel comfortable and at peace, when you leave them in charge of your finances.

Sandra M

What a great group of people to work with! Professional, knowledgeable, efficient and effective. Todd & Amy are on their game! I would highly recommend their services!

Daniel R

Advocate Financial provides professional and informative service with No pressure and No selling points. Amy & Todd offer relevant and useful information with which one can make a beneficial decision for their financial future.

Robin P

Absolute pleasure working with you. Very knowledgeable and exceptional follow up with presenting options as well as providing guidance for my needs.

Clint G

Always professional and personable. She helped me organized my investments and consolidate them into new accounts that will work for me and provide the security I need as well as the growth I desire. I highly recommend Advocate Financial for your retirement and investing needs.

Susan G

Professional and very knowledgeable on a wide variety of investments. She helped us with a retirement plan that met our needs. She followed up often and was always very personable and helpful. I highly recommend Advocate Financial.

Amy H

Todd & Amy of Advocate Financial has put my mind at ease helping me prepare for my retirement. Thank you for being my advocate during this transition!

Stacey J

In the confusing world of annuities, Amy and Todd of Advocate Financial has helped me to a secure financial future in my retirement. Looking forward to working with them again.

Lowell A

Excellent service with great direction and understanding of each step to secure my investment to accommodate my needs.

Cecilia B

I want to thank Amy West for her guidance and kind assistance with setting up my retirement account. She took the time to explain everything thoroughly with me, presenting options clearly and in a way I could choose what was the best option for my financial future. Highly recommend!!

Amy A

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

Gerald G

Knowledgeable about their products. Concerned and quick to respond. Amy is willing to walk that extra mile for you.

Iris F

Amy was a tremendous help. She provided multiple options for investment and then explained every detail so that I made the most informed choice of products. She is easy to work with and is always willing answer any and all questions. Advocate Financial took very good care of me!

Melanie H

Very attentive and patient with all my questions. She went out of her way to make everything convenient. I feel able to contact her with any concerns and questions.

Carol B

Todd & Amy are very knowledgeable and extremely helpful. They go above and beyond to ensure your needs are met. They take time to explain in detail the process and procedures for financial wellness. We high recommend them!

Michelle F

Extremely knowledgeable and helpful in all aspects of my future retirement. She took the time to explain everything to me and the options available to me. If you are going to retire in the next 10 years or so I suggest you give her a call so that you can figure out if your on the right track to retirement and what to do if your not. Thank you again Carrie

John S

Great job for me and was very responsive. Great customer service and I appreciate her assistance in helping me with my new policy.

Kyle S

5-Stars Recommend Advocate Financial for their professionalism!

Danielle H

Todd and Amy were phenomenal! Their professionalism and attention to detail helped me feel secure about my retirement. I highly recommend them!

Jessica

I've worked with several financial advisors, but none compare to Todd and Amy. They truly understand their clients' needs and are dedicated to securing our future!

Michael

Todd and Amy took the time to listen to my concerns and provided a tailored plan. Their patience and understanding made all the difference. Highly recommend!

Sarah

I can’t thank Todd and Amy enough for their expertise in retirement planning. They guided me through every step and made sure my assets were protected.

David

The level of professionalism from Todd and Amy is unmatched. They made the complex process of retirement planning easy to understand. Five stars!

Emily

I was worried about my retirement, but Todd and Amy put my mind at ease. Their understanding of my needs and guaranteed income strategies were exactly what I needed.

James

Todd and Amy are the best in the business! They demonstrated incredible patience while answering all my questions. I trust them completely with my retirement.

Laura

Thanks to Todd and Amy, I now have a clear path for my retirement. Their commitment to protecting my assets is evident in everything they do!

Kevin

As someone who is new to retirement planning, I was nervous at first. Todd and Amy’s professionalism and support made the process smooth and stress-free.

Rebecca

I’ve never felt more secure about my financial future! Todd and Amy truly care about their clients, and their advice has been invaluable.

Daniel

Todd and Amy went above and beyond in helping me secure my retirement assets. Their understanding of my situation was impressive!

Michelle

I can't say enough good things about Todd and Amy. Their dedication to my retirement planning and guaranteed income options have brought me peace of mind.

Chris

Working with Todd and Amy was a fantastic experience. They are knowledgeable, patient, and really take the time to understand client needs.

Anna

Todd and Amy are true professionals. They guided me on how to protect my assets and secure my future with guaranteed income. Highly recommend!

Ron

I had a wonderful experience working with Todd and Amy. They helped me navigate my retirement options with such understanding and professionalism.

Samantha

The expertise of Todd and Amy is evident from the first meeting. They listened to my concerns and created a personalized retirement strategy that I'm confident in.

Josh

Todd and Amy are exceptional at what they do. Their thorough approach to protecting retirement assets gave me the assurance I needed.

Karen

With Todd and Amy, I felt like I was in safe hands. Their patience and detailed explanations made all the difference in my retirement planning.

Steven

I couldn't be happier with the service Todd and Amy provided. They truly care about their clients and work hard to ensure a secure financial future!

Vanessa

Todd and Amy are incredibly professional and understanding. They helped me find the right retirement plan that fits my needs perfectly.

Tim

I was impressed by Todd and Amy’s commitment to protecting my retirement assets. They have a deep understanding of the market and client needs.

Megan

The level of care Todd and Amy provide is unmatched. They walked me through every step of retirement planning with such dedication and expertise.

Brian

Todd and Amy's professionalism and patience made my retirement planning experience smooth and enjoyable. I feel confident about my financial future!

Kim

From day one, Todd and Amy have been nothing short of amazing. Their understanding of retirement planning and guaranteed income is impressive.

Paul

Todd and Amy helped me consolidate my retirement assets and secured my financial future. Their professionalism and empathy made all the difference!

Lisa

Todd and Amy provided exceptional service! They took the time to understand my concerns, and their expertise gave me confidence in my retirement strategy.

Megan

I can't express how grateful I am for Todd and Amy’s guidance. They have been incredibly patient and helped me navigate complex financial decisions.

Brian

From our first meeting, Todd and Amy made me feel valued. Their professionalism and attention to detail truly set them apart in the industry!

Chloe

Todd and Amy are outstanding! They are knowledgeable, approachable, and made planning for my retirement feel manageable and secure.

Matthew

Working with Todd and Amy has been a game-changer. Their understanding of retirement assets helped me make informed decisions that will benefit me long-term.

Samantha

Todd and Amy exceeded my expectations. They were professional, patient, and answered all my questions without hesitation. Highly recommend their services!

William

I'm so pleased with my experience with Todd and Amy. Their expertise and commitment to protecting my retirement assets are evident in everything they do.

Olivia

Todd and Amy made retirement planning a breeze. Their step-by-step approach gave me peace of mind about my financial future.

Joshua

I had a fantastic experience with Todd and Amy! They showed incredible patience throughout the process and really listened to my concerns.

Isabella

Todd and Amy are true professionals! Their knowledge and dedication to securing my retirement have made all the difference in my life.

Ethan

The team of Todd and Amy was remarkable! They provided personalized advice and were always available to answer any questions I had.

Ava

I highly recommend Todd and Amy for anyone looking to protect their retirement assets. Their understanding and expertise are unmatched!

Ryan

Todd and Amy's detailed approach to retirement planning made me feel empowered and secure in my financial decisions. Five stars all the way!

Sophia

I appreciate Todd and Amy's patience! They walked me through every aspect of my financial plan, making it easy to understand.

Jacob

Working with Todd and Amy has been a wonderful experience. Their professionalism and genuine care for their clients shine through in everything they do.

Grace

Todd and Amy offered invaluable insights into retirement planning. Their expertise gave me confidence in my financial future.

Lucas

I am so thankful for Todd and Amy's guidance! They helped me put together a solid retirement plan tailored to my needs.

Ella

Todd and Amy were incredible to work with! Their attention to detail and commitment to protecting my assets were impressive and reassuring.

Logan

The level of support I received from Todd and Amy was exceptional. They answered all my questions and made retirement planning stress-free!

Zoe

I can’t recommend Todd and Amy enough! Their professionalism and understanding made me feel secure about my future.

Noah

Todd and Amy made navigating retirement planning easy! Their expertise and genuine care for their clients truly set them apart.

Victoria

I'm extremely satisfied with Todd and Amy's services. Their knowledge and patience helped me make the best choices for my retirement.

Jack

Working with Todd and Amy was a pleasure! They were attentive to my needs and provided excellent advice on protecting my retirement assets.

Lily

Todd and Amy’s professionalism is second to none. They took the time to explain everything and created a comprehensive plan for my retirement.

Henry

I feel incredibly fortunate to have found Todd and Amy! Their understanding and expertise made all the difference in securing my financial future.

Aria

Todd and Amy provided me with invaluable knowledge about annuities. Their step-by-step guidance made it easy for me to decide what was best for my retirement. Highly recommended!

David

The in-depth analysis provided by Todd and Amy was top-notch! They really took the time to explain everything, ensuring I understood how different annuities could work for my future.

Emily

Thanks to Todd and Amy, I can confidently say that I found the right annuity for my needs. Their thorough explanation of my options helped me make an informed decision!

Kevin

Todd and Amy’s diligence in comparing my current annuity with marketplace offerings was remarkable. I now feel secure in my retirement planning and appreciate their transparent approach!

Jessica

I was overwhelmed by the choices in the annuity market until I met Todd and Amy. Their educational sessions were enlightening, and the detailed reports gave me clarity like never before.

Daniel

The care and attention Todd and Amy gave to my financial situation were incredible. Their expertise helped me understand exactly what I needed for my retirement goals.

Rachel

I appreciated the extensive research Todd and Amy provided on annuities. They made complex information digestible and showed me how I could maximize my retirement funds!

Matthew

Todd and Amy exceeded my expectations with their professionalism and knowledge. The detailed analysis they provided truly set them apart from others in the industry!

Samantha

I can’t thank Todd and Amy enough for their help. They provided a thorough comparison of my current annuity and other options in the market, which gave me peace of mind.

Brian

Todd and Amy are experts in their field! Their educational approach helped me understand the nuances of annuities, and their insights have transformed my retirement planning.

Olivia

The one-on-one sessions with Todd and Amy were incredibly beneficial! They walked me through all my options, and I now feel confident about my retirement strategy.

Jacob

I was impressed with how much Todd and Amy cared about my future. Their detailed analysis of my annuity helped me find the right fit for my retirement needs.

Ava

Thanks to Todd and Amy’s expertise, I feel well-informed about my annuity choices. Their thorough education process made all the difference in my decision-making!

Andrew

The report Todd and Amy prepared was incredibly detailed and insightful. I now have a clear understanding of the best annuity options available to me.

Mia

Todd and Amy’s patience in explaining the complexities of annuities was a breath of fresh air! They empowered me to make the best financial decisions for my retirement.

Ryan

I can’t recommend Todd and Amy enough! Their analysis opened my eyes to better annuity choices, and their educational support was invaluable.

Charlotte

I felt lost navigating the annuity marketplace until I met Todd and Amy. Their thorough approach not only educated me but also made me feel confident in my choices.

Jason

I truly appreciate the time Todd and Amy took to explain everything related to annuities. Their knowledge gave me clarity and reassurance about my retirement plans.

Sophia

Todd and Amy are fantastic! Their deep dive into my annuity options revealed new opportunities I hadn’t considered. I’m grateful for their expertise!

Ethan

The detailed reports and personalized guidance from Todd and Amy made a significant impact on my retirement planning. I feel more equipped to face the future!

Lily

Thanks to Todd and Amy’s education on annuities, I have a much clearer understanding of my financial future. Their support has been invaluable!

Noah

I couldn’t be happier with the service Todd and Amy provided. They took the mystery out of annuities and helped me get a better deal than I expected!

Grace

Todd and Amy took the time to explain the annuity landscape thoroughly. They helped me assess my options and illuminated the best paths forward for my retirement.

Alexander

I’m truly thankful for Todd and Amy’s guidance. Their detailed analysis of my annuity options was eye-opening, and I now feel secure about

Zoe

Client Testimonials

"Highly recommend Todd & Amy. They both are a blessing. They moved at my pace and never rushed me to make a decision. They showed me multiple retirement options to consider."


– Sheree

"Todd and Amy West are top notch and very knowledgeable. Also very patient because financial investments is new to me and I had a lot of questions. Highly Recommend!"


– Jeffrey TW

"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! "

– Winston O

Let us help you plan for retirement

PREPARING TO EXIT FRS... NOW WHAT?

Schedule your personal review and get your retirement checklist. Your personal review, and checklist are excellent resources taking you step by step as you prepare for retirement.

Deferred Retirement Option Program (DROP)

The Deferred Retirement Option Program (DROP) provides you with an alternative method for payment of your retirement benefits for a specified and limited period if you are an eligible Florida Retirement System (FRS) Pension Plan member. Under this program, you stop earning service credit toward a future benefit and your retirement benefit is calculated at the time your DROP participation begins. While you are in the DROP, your monthly retirement benefits accumulate in the FRS Trust Fund earning interest while you continue to work for an FRS employer. Upon termination, your DROP account is paid to you as a lump sum payment, a rollover to another qualified plan or a combination partial lump sum payment and partial rollover. 

FRS Drop Enrollment

Click here to access the FRS DROP Enrollment PDF: https://frs.fl.gov/forms/drop-packet.pdf

DROP Guide Booklet

Click here to access the DROP Guide Booklet PDF: https://frs.fl.gov/forms/DROP-Guide.pdf

FRS Forms

This is the link to access the forms: https://myfrs.com/Resources_Forms.htm

FRS FAQ

If you want to learn more about FRS, click this link: https://myfrs.com/Faqs.htm

Let us help you plan for retirement

PREPARING TO EXIT FRS...NOW WHAT?

Schedule your personal review and get your retirement checklist. Your personal review, and checklist are excellent resources taking you step by step as you prepare for retirement.

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