We are here to help you:
Make the Most of Your Florida Retirement System Benefits to Achieve Your Goals
Retirement Planning for FRS Special Risk Employees
You Shouldn’t Have to Worry You’re Making Costly Mistakes
As a firefighter, police officer, or other FRS Special Risk employee, you have some well-deserved benefits. But those benefits can be complex, and the decisions are often irrevocable. That can leave you confused about how to fit them into the bigger picture of your financial and life goals. Imagine knowing exactly what decisions you want to make about your benefits. We can help.
Get Clarity About Your FRS Options
You don’t have to second-guess your benefit choices. Instead, you can feel confident that you’ve selected the right options for yourself and your loved ones.
Our goal is to help you:
Take care of your future
Align your benefits with your retirement goals.
Protect your spouse and family
Select the most appropriate survivor options.
Invest well
Understand which investment options might be best for you.
We Know How Life-Changing the Decisions You Face Can Be
Team member and Investment Advisor Representative Gary Gonzalez retired from the Miami-Dade Fire Department after serving as a firefighter, lieutenant, captain, and battalion chief.
Gary translated his personal and professional expertise into the book A Public Safety Officer’s Guide to the Florida Retirement System, which you can request for free below.
We’ve been working with Special Risk FRS members and retirees since 2006.
Straightforward Guidance; No Strings Attached
Your Florida Retirement System benefits can help create a comfortable financial future after a career of service. But let’s face it: There are a lot of decisions between taking that potential and making it a reality. You have to do ongoing research and sort through misinformation from both well-meaning colleagues and hungry salespeople.
What if you could just get some straightforward guidance to help make decisions that are good for you and your family? What if you could just quit asking, “Am I doing it right?” and get back to your career and loved ones?
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Northstar Financial Planners is a fiduciary Registered Investment Advisor in Plantation, Florida, helping FRS Special Risk employees put their benefits to good use. We have personal and professional experience helping firefighters and police officers create the retirements they want.
We partner with you to:
• Determine whether the pension or investment plan will work better for your retirement goals
• Choose the best pension option for your situation
• Decide whether you can afford to retire early
• Select the appropriate funds for your investment plan in light of your needs and goals
• Decide whether the 457 plan can benefit you
How to Work with Us
Schedule a call
We’ll discuss what you’re seeking and whether our services may be right for you.
Meet for a Discovery Meeting
We dive deeper into your goals and concerns so we can begin drawing up our recommendations.
Hold Investment Plan Meeting
We present our initial recommendations so you can consider whether to move forward.
Are We a Match?
You want to partner with a financial advisor whose expertise is working with people like you. We may be a good fit if you:
Are a Florida Retirement System Special Risk employee
Need clarity about the benefit options that will work best for you and your family
Want fiduciary guidance to incorporate your FRS benefits into a long-term plan of action
Expect to have post-retirement investable assets of more than $500,000
Take the First Step—Schedule a Call!
Are you ready to stop worrying that your FRS benefit decisions will hurt your financial future? Help stop the confusion by scheduling an introductory consultation and start preparing for your retirement with confidence.
A Public Safety Officer’s Guide to the Florida Retirement System
Request your free copy of this guide for FRS Special Risk employees and get tips on choosing the path that works best for you. Learn how to avoid mistakes, and get valuable to-do lists to help keep you on track.
Special Risk Employee? Are You Retirement Ready?
Take the FRS Special Risk Retirement Confidence Assessment to evaluate your retirement readiness and next steps for a confident future.
