Valor Wealth Management Group

10/07/2026

What job will your 457 or TSP do in retirement?
It may help cover the gap between your pension and expenses, support later income needs or fund a major purchase.
Withdrawal and rollover rules differ by plan. Understand your options before moving money.
Give each account a purpose within your retirement plan.
What role have you assigned yours?

10/06/2026

What is your plan for the money when DROP ends?
A Deferred Retirement Option Plan can create a significant retirement asset. How you use it should reflect your income needs, taxes and long-term goals.
Consider the distribution choices available under your plan before making a decision.
Let's talk about where DROP fits in your retirement.
ValorWMG.com

10/05/2026

Your pension sets the foundation. What does it need to cover?
Before choosing a retirement date or payout option, consider your monthly expenses, survivor benefits and the income you will need from other accounts.
Those decisions should fit the same plan.
Has anyone shown you how your pension works with the rest of your retirement?

10/05/2026

My girl, Tilly!

10/04/2026

10/04/2026

Your pension is only one piece of your retirement.
As a retired Maryland State Trooper, I know how much attention we give our pension. Our savings, taxes, healthcare and family needs deserve attention, too.
At Valor Wealth Management Group, we help first responders and government employees see how those pieces work together.
Ready to look at the full picture? Contact us about a Retirement Coordination Review.
ValorWMG.com

10/03/2026

You’re contributing to your 457, TSP, or retirement account—but what could those savings look like when you retire?

Our retirement savings calculator lets you explore how your current balance, annual contributions, and time until retirement could affect your future savings.

Use it as a starting point, then consider how those savings fit with your pension and the rest of your retirement plan.

Try it here: https://www.valorwmg.com/resource-center/retirement/my-retirement-savings-1

See how your current savings rate and contributions may grow into retirement income.

10/03/2026

October is Breast Cancer Awareness Month — a time to honor the strength of those facing breast cancer, remember those we have lost, and stand with the families and loved ones who support them.

At Valor Wealth Management Group, we recognize the courage, resilience, and hope represented by the pink ribbon.

This month, we proudly stand in support of survivors, fighters, families, caregivers, and everyone whose life has been touched by breast cancer.

Honoring strength. Supporting hope. Remembering those we’ve lost.

10/02/2026

Florida FRS members: you’ve spent your career serving others. Have you connected the pieces of your own retirement?

Your pension, DROP, and 457(b) each come with decisions. Those decisions also affect your taxes, Social Security, healthcare, and the income your family may depend on.

Coming soon: Florida FRS Retirement Planning, an educational webinar from Valor Wealth Management Group.

I’ll walk through questions worth addressing before the paperwork is final:

• Which pension payout option fits your household’s survivor-income needs?
• How should you evaluate DROP timing and distribution choices?
• What role could your 457(b) play before and during retirement?
• How do pension income and withdrawals interact with taxes and Medicare premiums?
• Where do Social Security, Roth conversions, and required minimum distributions fit?

Whether you’re building your career, approaching DROP, or preparing to retire, this webinar will help you see how the decisions connect.

As a retired Maryland State Trooper and Air Force veteran, I know firsthand how much attention we give to the job. Our retirement deserves that same attention.

Want to be first to know when the date and registration details are announced?

Email [email protected] with the subject line **“FRS Webinar.”** I’ll send you the details when they’re available.

Your pension is only one piece of your retirement.



Independent educational presentation. Not affiliated with or endorsed by the Florida Retirement System. Educational information only; not individualized investment, tax, or legal advice.

10/02/2026

Florida FRS members—your pension is only one piece of your retirement.

Your pension election, DROP decisions, 457(b) savings, Social Security, taxes, and healthcare all affect the same retirement. Have you looked at how they work together?

I’ve created The Florida FRS Retirement Guide to help Florida first responders and government employees understand their benefits and the decisions to consider before and during retirement.

Inside, you’ll find explanations of pension eligibility and payout options, DROP timing and distribution choices, and how to coordinate those benefits with your savings, taxes, Medicare, and survivor planning.

The guide will be available soon as a download at ValorWMG.com.

Want a copy before it’s available on the website?

Email me at [email protected] with the subject line **“Florida FRS Guide,”** and I’ll send you a copy.

Coordinate the pieces—don’t plan in silos.



Independent educational resource. Not affiliated with or endorsed by the Florida Retirement System. Educational information only; not individualized investment, tax, or legal advice.