FOR FLORIDA PUBLIC SCHOOL EMPLOYEES

Your FRS Retirement Readiness Checklist

The 5-step checklist South Florida educators use to know exactly where they stand — before they sit down with HR.

Free. No long forms. Instant download.

Send Me the Free Checklist

Used by teachers, principals, transportation & support staff across Palm Beach, Broward, and Martin counties.

Here's exactly what you'll walk away with

Your FRS plan fundamentals

Pension vs. Investment Plan at a glance — which one you're in and what it actually means for you.

Eligibility milestones

30 years of service, age 62, 1-year vesting — the dates that determine your options.

The DROP decision

What to evaluate before your 96-month window opens — and how to plan the exit.

Insurance review

Health, life, and supplemental coverage — what continues, what doesn't, and what to add.

Outside-account coordination

Social Security and personal accounts — how to coordinate without leaving money on the table.

Your 12-month timeline

A month-by-month pre-retirement checklist so nothing slips through the cracks.

Eight pages. Fifteen minutes. Zero guesswork.

Built for educators — not the general public

If you work in Palm Beach, Broward, or Martin County schools — teacher, principal, paraprofessional, transportation, food service, maintenance, or office staff — you're part of the FRS. The rules that apply to you aren't the same ones you'll find in a generic retirement guide.

This checklist was built specifically for Florida public school employees approaching 25+ years of service, looking at DROP, or just trying to figure out what “normal retirement” actually means for their paycheck.

You're within 1–5 years of retirement eligibility
You're thinking about entering DROP
You're already in DROP and need an exit plan
You want a second set of eyes on your numbers before you sign anything

Talk to someone who actually specializes in this

Emmanuel Jack, MBA has built his practice around one group of people: Florida public school district employees and other FRS members. That narrow focus means faster, clearer answers to the exact questions you'll face — because he's answered them hundreds of times before.

MBA, credentialed Retirement Specialist

Focused exclusively on school district & FRS members

South Florida — Palm Beach, Broward & Martin counties

Get the checklist — free, instant download

Enter your details and we'll email it to you and text the link too.

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By submitting, you agree to receive the checklist and occasional educational emails about FRS and retirement planning. Unsubscribe any time.

Common questions

Is this really free?

Yes. The checklist is educational material and there's no cost or obligation. If you'd like a one-on-one retirement review afterward, you can schedule one — but that's entirely up to you.

Will you sell my information?

No. Your information is never sold or shared. You'll receive the checklist and a short series of educational emails, and you can unsubscribe with one click.

Does this replace MyFRS or my district HR?

No. This is an educational tool — not individualized financial, tax, or legal advice. Always confirm specific numbers with MyFRS.com and your school district HR office.

I'm not a teacher. Is it still for me?

Yes. Any Palm Beach, Broward, or Martin County school district employee enrolled in FRS — transportation, food service, administration, maintenance, paraprofessionals — will benefit from the same five-step framework.

I'm already in DROP. Is it too late for this?

Not at all. Checklist items around insurance, sick-leave payout, Option 1–4 election, and beneficiary review are exactly what DROP participants should confirm before their exit date.

Download the checklist. Then let's talk about your numbers.

If you want, after you review it we'll schedule a free 15-minute readiness call to walk it through together — specific to your plan, your years of service, and your target retirement date.

Send Me the Free Checklist