Serving Those Who Serve
Retirement planning for public employees, first responders, and municipal workers who want clarity around pensions, DROP, income, taxes, and long-term financial confidence.
You spent your career serving others. Now your benefits should serve you well.
Public employee retirement decisions are rarely simple. Pension options, DROP timing, survivor benefits, 457 plans, Social Security, healthcare, taxes, and investment decisions all connect. One decision can affect the rest of your retirement income picture.
First Responders
Firefighters, police officers, EMTs, corrections officers, and public safety professionals preparing for retirement or DROP decisions.
Public Employees
State, county, city, and municipal employees who need help turning public benefits into a coordinated retirement income plan.
FRS & DROP Participants
Planning around Florida Retirement System benefits, DROP participation, rollover decisions, and retirement income coordination.
Your benefits are valuable — but they need a plan.
Many public servants reach retirement with strong benefits, but unclear direction. The question is not simply, “Can I retire?” The better question is, “How do all of my benefits work together to create reliable income, protect my spouse, reduce taxes, and support the life I want?”
- Should I enter DROP, and when?
- What should I do with my DROP payout?
- Which pension option protects my spouse?
- How should I coordinate my 457, 403(b), IRA, or brokerage assets?
- How do I create income without taking unnecessary risk?
The Big Mistake
Treating each retirement benefit as a separate decision.
Your pension, DROP payout, deferred compensation, Social Security, healthcare, taxes, investments, and estate plan should not operate independently. They should work together as one coordinated retirement system.
We help turn public service benefits into retirement confidence.
Retirement Income Planning
We help determine how much income you need, where it should come from, and how to coordinate pension, DROP, Social Security, and investment income.
DROP Strategy
We help evaluate DROP timing, payout options, rollover considerations, investment strategy, and how the funds fit into your overall retirement plan.
Survivor & Spouse Protection
Pension elections can have lifelong consequences. We help review survivor income, beneficiary planning, and long-term household protection.
Tax-Aware Planning
DROP payouts, rollovers, withdrawals, and deferred compensation decisions can create tax consequences. We help coordinate the strategy carefully.
Investment Coordination
Your retirement portfolio should support the income plan, not exist separately from it. Every account should have a job.
Legacy & Estate Coordination
We help review beneficiaries, account registrations, estate documents, and wealth transfer goals as part of the broader retirement picture.
A clear path from questions to confidence.
Organize
We gather your pension, DROP, deferred compensation, Social Security, insurance, investment, and estate information.
Analyze
We review income needs, retirement timing, tax considerations, survivor options, and investment positioning.
Coordinate
We build a strategy that connects your benefits, accounts, income sources, and long-term planning goals.
Guide
We stay involved through retirement decisions, market changes, income needs, and life transitions.
Serving those who serve is personal.
Before becoming a financial advisor, I spent years serving in law enforcement. I understand the commitment, responsibility, and sacrifice that public service requires.
That experience is one reason helping public employees, first responders, and those who serve their communities has become such an important part of my practice.
Retirement planning for public servants is different. Pension decisions, DROP elections, survivor benefits, deferred compensation plans, Social Security timing, and retirement income planning deserve specialized attention.
My goal is simple: help you organize the benefits you've worked so hard to earn into a retirement strategy that provides clarity, confidence, and peace of mind.
— Al Rich
Common Planning Topics
FRS pension planning, DROP timing, DROP rollover decisions, 457(b) coordination, IRA rollovers, Social Security timing, retirement income strategy, healthcare planning, survivor benefits, tax-aware withdrawals, and estate coordination.
Retirement should feel organized, not overwhelming.
You should not have to guess whether your benefits are being used wisely. Our role is to help you understand your choices, avoid unnecessary mistakes, and create a retirement income plan that gives every dollar a purpose.
You served your community. Now it is time to build a plan designed to serve you and your family.
Ready to review your public service retirement plan?
Schedule a Public Service Retirement Review and begin organizing your pension, DROP, income, investments, and long-term planning decisions.
This material is for informational purposes only and is not intended to provide individualized financial, investment, tax, or legal advice. Public employee retirement benefits, pension options, DROP rules, and tax treatment may vary by employer, plan, and individual circumstances. Consult your plan administrator, tax professional, and legal advisor regarding your specific situation. Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC.
