FRS Benefit Advisors

02/22/2026

Take Social Security early or late? The perennial debating point about retirement needs another look.

For years, the experts have been telling us that delaying benefits to age 70 is a terrific deal. The 24% boost you get from starting at age 70 rather than 67 more than makes up, by a long shot, for forgoing three years of payouts.

Is that really the case? Yes and no. It still pays to wait. But it pays a somewhat disappointing amount.

Here are four questions to ponder before making a decision: https://www.forbes.com/sites/baldwin/2026/02/21/how-much-do-you-really-gain-by-delaying-social-security-benefits/?utm_campaign=ForbesMainFB&utm_source=ForbesMainFacebook&utm_medium=social (Illustration: Macy Sinreich for Forbes; Images: Shutthiphong Chandaeng and Zahoor Salmi via Getty Images)

02/22/2026

⚠️ The difference between the FRS Pension Plan and the Investment Plan can be worth $200,000+ over your lifetime.
Most members made that choice once and never looked back.
Use our free FRS Retirement Income Calculator to see exactly what your benefit is projected to be — and whether you're in the right plan.
Takes 2 minutes. Could change everything.
👉

Important DisclosureThis calculator is for educational and illustrative purposes only. It is not an official Florida Retirement System (FRS) estimate and does

01/22/2026

Florida FRS members — this is for you.

If you’re in the Florida Retirement System and still unsure about:
• Pension vs Investment Plan
• DROP
• When you can actually retire
• Common FRS mistakes that cost real money

We built a single hub that breaks it all down in plain English.

No sales pitch. Just the facts you need to make smarter decisions.

Start here 👉 [https://frsbenefit.com/florida-retirement-system-frs-hub/](https://frsbenefit.com/florida-retirement-system-frs-hub/)

12/10/2025

Most FRS employees are unaware of their benefits' status. Your plan may have undergone changes without your knowledge. I have created a 60-second FRS Checkup for you to assess your standing. Access it here → frsbenefit.com/checkup

12/10/2025

As a participant in the Florida Retirement System, take a moment to explore your options and unlock a more secure financial future.

Many individuals assume they know which plan is best for them - Pension or Investment - but the truth is, the right choice depends on your unique circumstances.

Let's break down the key differences to empower you to make an informed decision that maximizes your long-term financial benefits.

If you need help crunching the numbers, just ask, and I'll be happy to guide you through the process.

Compare the FRS Pension and Investment Plan for 2025. Learn about vesting, DROP eligibility, benefits, and which plan best fits your FRS retirement goals.

11/21/2025

**ACA Open Enrollment 2025 — You Could Qualify for Lower Rates or Even $0 Plans!**
✅ See if you qualify for subsidies under the Affordable Care Act
✅ Get help comparing plans fast
✅ Enroll before it’s too late
Visit lifecraft-wellness.com for more information.
Contact us: 305-735-1968 or [email protected] to see if you qualify.

11/14/2025

**ACA Open Enrollment 2025 — See if you qualify for lower rates or even $0 plans!**

✅ See if you qualify for subsidies under the Affordable Care Act
✅ Get help comparing plans fast
✅ Enroll before it’s too late

Visit lifecraft-wellness.com for more information.

Contact us: 305-735-1968 or [email protected] to see if you qualify.

11/07/2025

**ACA Open Enrollment 2025 — See if you qualify for lower rates or even $0 plans!**

✅ See if you qualify for subsidies under the Affordable Care Act
✅ Get help comparing plans fast
✅ Enroll before it’s too late

Visit lifecraft‑wellness.com for more information.

Contact us: 305‑735‑1968 or [email protected] to see if you qualify.

11/03/2025

Open Enrollment 2025 — You Could Qualify for Lower Rates or Even $0 Plans!

New rates are out, and many families now qualify for subsidies and extra savings — but you have to check before the deadline.

✅ See if you qualify for savings
✅ Get help comparing plans fast
✅ Enroll before it’s too late

📞 Call 305-735-1968 or message us today — we’ll walk you through it in minutes.

Visit lifecraft-wellness.com for more information.
Contact us at 305-735-1968 or email [email protected] to see if you qualify.

09/17/2025

**“Big changes are coming to the Florida Retirement System in 2025 — and they could directly impact your future income. From restored COLA adjustments to higher employer contributions, these updates are designed to strengthen your retirement.But the details matter. What does this mean for you?Watch this quick breakdown and then schedule your free one-on-one session with LifeCraft Financial to make sure you’re maximizing your benefits.”**

09/07/2025

Want to make the most of your FRS retirement? Consider boosting your contributions. Even small increases today can lead to a larger benefit later. Learn more at FRSbenefit.com.

09/06/2025

Are you prepared for health insurance costs in retirement? Learn about the health insurance subsidy and how your FRS benefits can support your healthcare needs at FRSbenefit.com.