First Responders Financial – Serving Those Who Serve Others

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Did You Know?

You can take up to 500 hours of annual leave before entering DROP, which will increase your AFC - Average Final Compensation and your DROP account.

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Did You Know?

First Responders can be eligible after seperation to use up to $3000 per year to pay for health, long-term care, and other supplemental insurance.

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Did You Know?

Firefighters and Police officers can put up to 200% of the normal annual contribution into their 457 - deferred compensation plans in their final three years.

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The HIS – Health Insurance Subsidy from the state may be tax free.

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You will have to wait 3 full calendar months for the release of your funds from the Investment Plan if you have not met normal retirement requirements.

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First Responders who separate from service and are, or will be, at least age 50 in that calendar year, can roll their DROP funds into their 457 plans and avoid the IRA pre 59 ½ 10% penalty on withdrawals.

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Did You Know?

Teachers have a special catch up provision in their 403(b) plans.

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If you choose a 457 governmental plan, you will avoid the normal IRS Pre 59 ½ 10% penalty on withdrawals (at any age) after separation for money you have contributed while working.

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Elected officials will have their pension checks and DROP accounts frozen when they pass the end of the maximum 5 year DROP period if they continue to fulfill their elected term or run for another term.

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Did You Know?

If you are vested, retire and start your pension before meeting your “normal retirement requirements” , you will have a 5% penalty for every year you are below the age designated in the plan for your FRS class.

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Give us a call 813-482-9415

Your Comprehensive Portal for Planning

After working with Municipal and Florida Retirement System members for several years, I realized that there were many questions and few ways to get the right answers, so I have created this website to provide you a resource. I can help you with your planning needs including Life Insurance, Long Term Care Insurance, Retirement Planning (Roth, Traditional and Rollover IRA’s, Fixed and Variable Annuities and Managed Accounts), and understanding your Municipal and FRS Florida Retirement System benefits.