My FRS Review provides personalized retirement guidance for Florida Retirement System (FRS) employees approaching retirement, with a focus on understanding pension benefits and Deferred Retirement Option Program (DROP) choices. The service is conducted by Todd and Amy West, a husband-and-wife team described as licensed through the Florida Department of Financial Services and specializing in FRS and DROP planning. Their complimentary, approximately 30-minute phone reviews offer step-by-step, educational support to help clients navigate forms, deadlines, distribution decisions, and retirement transitions.

During a review, clients can discuss the FRS DP-PAYT form and compare lump-sum payments, direct rollovers, and partial withdrawals or rollovers. The team also explains account types, including deferred compensation plans, FRS Investment accounts, 403(b) and 457(b) plans, traditional investments, and protected IRA annuities. Other topics include rollover and tax-efficient strategies, options for potential growth without market risk, and choices that may combine growth with lifetime income or an immediate bonus.