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The Florida Retirement System (FRS) is one of the largest public retirement programs in the U.S., designed to help Florida’s public employees build a secure financial future. It provides multiple retirement plan options, allowing employees to choose the approach that best fits their career path, risk tolerance, and long-term goals.

Who is Eligible? You may be eligible for the Florida Retirement System if you are a full-time or part-time employee of a Florida public employer. Working for a participation organization such as public schools and universities, state agencies, local governments & special districts.

Florida Investment Plan (Defined Contribution)

Florida Investment Plan (Defined Contribution)

Works like a 401(k)-style retirement account. Contributions are invested, and retirement income depends on performance. Offers portability if you change jobs. Ideal for those wanting flexibility and control.

Florida Pension Plan         (Defined Benefit)

Florida Pension Plan (Defined Benefit)

Provides a guaranteed lifetime monthly pension
Benefit is based on salary, years of service, and retirement age. Ideal for employees planning a long-term public service career

If you are of retirement age, consider the Florida Deferred Retirement Option Program (DROP)

If you are of retirement age, consider the Florida Deferred Retirement Option Program (DROP)

Allows you to keep working while your retirement benefits accrue in a separate account. Earn a lump sum payout upon leaving employment. Great for employees who want to extend their careers while building additional savings

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Gainesville, FL 32627

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