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Florida Retirement Solutions Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Florida Retirement Solutions, Finance, 12950 SW 4th Court, Pembroke Pines, FL.

10/13/2026

Renta inmediata vs. renta diferida: ¿Cuál es la mejor opción para tu jubilación?
Let’s connect and talk about the latest insights in the industry!

10/12/2026

Annuities Guarantee Retirement Income | Florida Retirement Solutions
https://calendly.com/mnavas622/30min
When it comes to retirement planning, one question I hear from FRS employees again and again is: "How can I make sure I don't run out of income?" Annuities are one option designed to provide that peace of mind—by turning part of your retirement savings into a guaranteed income stream, either right away or later, depending on your needs. There are different types: fixed annuities offer predictable returns, variable annuities move with the markets, and indexed annuities tie growth to a market index—each with their own pros and cons. Keep in mind: some annuities come with high fees, limited growth, or restrictions on withdrawals, so it's important to compare features carefully. For many risk-averse retirees, annuities can help simplify budgeting and reduce worry about outliving savings. Options exist with minimums starting at $1,000 and some remain available up to age 85. With 18 years guiding FRS participants and school employees through these choices, I know each retirement journey is unique—aligning the right income solution with your goals is key to retiring with confidence and dignity.

10/06/2026

Una nueva era en la jubilación: por qué las rentas vitalicias pueden ser una opción prometedora para millennials y Gen X
Let’s connect and talk about the latest insights in the industry!

10/05/2026

US Nursing Home Spousal Protection Rules | Florida Retirement Solutions
https://calendly.com/mnavas622/30min
Navigating nursing home care can feel overwhelming, especially when you’re concerned about protecting your spouse’s financial well-being. As someone who’s spent 18 years guiding FRS employees and private sector clients through retirement planning, I know how crucial it is to understand the federal spousal protection rules. Right now, the at-home spouse can keep between $32,500 and $162,700 in countable assets if the other spouse moves into nursing home care—the exact amount depends on your state’s allowance, and it’s set on the date institutional care begins. Good news: your primary home, one vehicle, household items, and prepaid funeral plans are typically not counted. When it comes to spending down assets, approved purchases like paying off debt or making necessary repairs are often prioritized over gifting, since gifting or selling below value may trigger a five-year lookback and potential penalty period. For some, a compliant annuity can convert excess savings into a steady monthly income for the at-home spouse, provided the payments are equal, irrevocable, and the state is repaid first. Retirement deserves dignity and clarity—let’s make sure you’re equipped with the right knowledge and strategy to protect your future together.

09/29/2026

AM Best mantiene perspectiva estable para el mercado global de reaseguro de vida
Let’s connect and talk about the latest insights in the industry!

09/28/2026

Medicaid’s $162,660 Spouse Protection Limit | Florida Retirement Solutions
https://calendly.com/mnavas622/30min
Navigating Medicaid rules can feel overwhelming, especially when it comes to protecting your assets for a spouse still at home. Did you know that current federal guidelines allow the at-home spouse to keep between $32,500 and $162,660 in countable assets when the other spouse enters nursing home care? Each state sets its own limit within this range, and the exact amount is determined at the time of the resource assessment—right as care begins. Certain assets, like your primary home, one car, household items, and prepaid funeral plans, are typically excluded from this count. Many couples find themselves considering spend-downs for things like debt repayment, home repairs, or care costs not covered by insurance. However, gifting money or transferring property below market value can trigger Medicaid’s 5-year lookback and a potential penalty period, so it’s important to focus on approved strategies. One option: a Medicaid-compliant annuity, which can convert extra savings into a steady monthly income for the spouse at home—provided it’s set up to be equal, irrevocable, and the state gets paid back first. Drawing on my years of retirement planning for Florida educators and FRS members, I help families understand these complex decisions so they can protect their loved ones and their future. Your peace of mind is always my priority.

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12950 SW 4th Court
Pembroke Pines, FL
33027

Telephone

+17864023077

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