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FRS guidance. Clarifying the complex.

Client Centered

Since 2006, Matt has been guiding FRS members in navigating and comprehending their qualifications and entitlements. His efforts have empowered thousands of members to better understand the complex and evolving landscape of benefits.

Matt has supported hundreds of FRS members sustain retirement with dignity while maintaining their desired quality of life. Throughout his work, he has encountered many FRS members incur significant challenges due to missteps and misunderstandings regarding their benefits.

Recognizing the importance of informed decision-making, particularly as a member’s final retirement choice becomes an irrevocable election, this page has been developed to educate, empower, and illuminate commonly overlooked areas.

We warmly welcome FRS members and encourage you to reach out for a personalized discussion about your benefits.

The Basics

Our Resources

Health Insurance Subsidy (HIS)

We’ve encountered it all...
With our expertise, we can guide you and reveal any blind spots.

Pre-Retirement Life Changes

Exiting Employement with FRS

  • Age 34
  • 11 Yrs FRS

Mid-career change - Away from FRS

  • Age 50
  • 25 Yrs FRS

Unrenewed Admin. Contract

  • Age 58
  • 28 Yrs FRS

Terminally ill member.

  • Age 61
  • 32 Yrs FRS
  • Divorced with adult children

Nearing Retirement Elections

2nd Election into Investment Plan

  • Age 60
  • 31 Yrs FRS

Considering DROP

  • Age 62
  • 29 Yrs FRS

Extension of DROP

  • Age 64
  • 35 Yrs FRS

Early exit of DROP

  • Age 66
  • 33 Yrs FRS
  • Needed to care for a loved one.

Unfamiliarity with Pension Suvivorship

DROP Member, unfamiliar with election

  • Age 65
  • Pension Plan - Option 2
  • Misunderstood the 10 year survivorship.

Retired Member, recently widowed

  • Age 69
  • Pension Plan - Option 4
  • ⅓ loss to their own pension.

Retired Member, new diagnosis

  • Age 72
  • Pension Plan - Option 1
  • No survivorship to the spouse.