Family Retirement Services

Family Retirement Services Tax-aware financial planning nationwide. Serving Florida Retirement System participants, including teachers, administrators and firefighters. Planning first.

Florida Medicare, life insurance and annuity services. Products come later. Investment advisory services are offered by Signal Advisors Wealth, LLC ("Signal Wealth"), an SEC-registered investment adviser. SEC registration does not imply a certain level of skill or training. Insurance products and services are offered through Family Retirement Services; Signal Wealth does not offer insurance produc

ts, and Family Retirement Services is not affiliated with Signal Wealth. Educational information only; not tax, legal, or Social Security advice. Insurance and annuity recommendations are subject to applicable rules and may generate commissions. Not affiliated with or endorsed by the U.S. Government or any governmental agency.

09/09/2026

Clients turning 60 often ask me, “Have I saved enough?” Fair question. But the calendar deserves a seat at the table, too.

Under current law, someone turning 60 in 2026 is generally in the age-75 RMD cohort. The years before required distributions may create room to coordinate withdrawals, Roth conversions and Social Security instead of letting a tax return explain everything after the fact. Tax returns are excellent historians. Futurists? Not so much.

Which date would you review first?

Comment TAXREVIEW for information about a Tax-Efficient Financial Review, or schedule a Tax-Aware Planning Conversation: https://calendly.com/frsadvisor/tax-aware-planning-conversation

Educational information only; not individualized tax or investment advice. Individual circumstances vary.

09/07/2026

Retirement dates rarely live alone. Pension, DROP, final pay, healthcare, and Social Security dates may need one coordinated timeline. Which date is hardest to line up? Comment FRSREADY. Educational information only. Individual circumstances vary. Family Retirement Services is not affiliated with the Florida Retirement System or any government agency.

09/04/2026

Our clients are occasionally shown an annuity before anyone has agreed on what job it is supposed to perform. Apparently the contract was hoping to write its own job description. Before deciding, ask about purpose, liquidity, surrender charges, riders and the issuing insurer. Which question would you ask first?

Florida residents can comment INCOMEGUIDE.

Florida residents only. Insurance products and services are offered through Family Retirement Services, not Signal Wealth. Family Retirement Services is not affiliated with Signal Wealth. Product recommendations require appropriate fact-finding and may generate commissions. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurer.

09/03/2026

Before choosing an FRS retirement date, confirm which plan and benefit rules actually apply to you. What is the first item on your verification list? Comment FRSREADY. Educational information only. Individual circumstances vary. Family Retirement Services is not affiliated with the Florida Retirement System or any government agency.

08/31/2026

Retiring before Medicare can create a healthcare bridge that deserves its own plan. What coverage question would you want answered first? Comment FRSREADY. Educational information only. Individual circumstances vary. Family Retirement Services is not affiliated with the Florida Retirement System or any government agency.

08/28/2026

An FRS DROP balance can look like the finish line. Unfortunately, retirement has a few more decisions waiting after the confetti.

How should that money work alongside the monthly pension?

Comment FRSREADY for information about an FRS Retirement Ready Review or request a private conversation.

Educational information only. Individual circumstances vary. Family Retirement Services is not affiliated with the Florida Retirement System or any government agency.

08/26/2026

The largest Roth conversion available is not automatically the best Roth conversion.

Clients are often surprised that the decision can affect more than this year’s tax bill—including future required distributions, Medicare premiums, Social Security taxation, and the surviving spouse’s future tax picture.

Which future consequence is easiest to overlook?

Comment TAXREVIEW for information about a Tax-Efficient Financial Review or request a private conversation.

Educational information only; not individualized tax or investment advice. Individual circumstances vary.

08/24/2026

Age 70 is not automatically the right Social Security answer.

Health, life expectancy, work plans, taxes, pension income, household cash flow, and spousal or survivor benefits can all change the decision.

Which factor do you think gets overlooked most often?

Comment SOCIALREVIEW for information about a Social Security Planning Review or request a private conversation.

Educational information only; not individualized Social Security, tax, or legal advice. Individual circumstances vary. Family Retirement Services is not affiliated with the Social Security Administration or any government agency.

08/21/2026

If you work in the Florida Retirement System, your retirement decision is rarely just Pension Plan versus Investment Plan. DROP, when applicable, other retirement accounts, taxes, healthcare, Social Security and survivor planning may all connect.

Comment FRS READY if you want help organizing the questions, or schedule a private conversation:
https://calendly.com/frsadvisor/tax-aware-planning-conversation

Always verify official rules through MyFRS. Educational only; not individualized investment, tax or legal advice. Family Retirement Services is not affiliated with FRS, MyFRS or any government agency.

Address

8461 Lake Worth Road, Suite 477
Lake Worth, FL
33467

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+15613106688

Website

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