Maximize Your Retirement Lump Sum With Confidence
Get expert guidance on managing your once-in-a-lifetime DROP benefit — designed around your goals, your timeline, and your peace of mind.
This isn't a decision you can easily redo
A DROP benefit is a one-time event — and the choices you make around taxes, timing, and how to deploy the lump sum shape your retirement for years. We help you slow down and make those decisions deliberately.
See how we help →A significant lump-sum benefit — and a complex set of decisions
Some public employee organizations — including here in Florida — offer a Deferred Retirement Option Program (DROP). This program provides eligible employees with a lump-sum benefit when they ultimately separate from service.
While the payout can be significant, it also comes with important decisions: how to handle taxes, invest wisely, create steady income, and fit this lump sum into your overall retirement strategy. That's where we come in.
A four-step approach for getting the most from your benefit
Big lump-sum decisions feel overwhelming because there's a lot at stake all at once. We break the work into a clear sequence so each decision gets the attention it deserves — without losing sight of the bigger picture.
Understanding Your Goals
We take the time to listen to your current needs and your plans for life after separation.
Tailored Retirement Strategy
Together, we design a financial strategy that reflects your lifestyle, priorities, and retirement vision.
In-Depth Analysis
We review what you've accumulated and show how your DROP benefit fits into your broader financial picture.
Confident Implementation
From tax planning to investment allocation, we help you put your retirement strategy into action with clarity and confidence.
Quick explainers from our team
Short videos covering the most common questions DROP participants ask before, during, and after their decision window.
Built for Florida public employees navigating their DROP decision
We've helped hundreds of public-sector employees — teachers, first responders, municipal workers, and other Florida Retirement System participants — think through their DROP options. The conversation is the same whether you're five years from DROP or two weeks from the lump sum hitting your account.
Make your DROP decision with clarity, not guesswork
Whether you're a few years from your DROP window or your lump sum is about to land, a short conversation is the easiest place to start. We'll listen, ask the right questions, and lay out what a real strategy could look like for your situation.