Family Retirement Services

Family Retirement Services Tax-aware financial planning nationwide. Serving Florida Retirement System participants, including teachers, administrators and firefighters. Planning first.

Florida Medicare, life insurance and annuity services. Products come later. Investment advisory services are offered by Signal Advisors Wealth, LLC ("Signal Wealth"), an SEC-registered investment adviser. SEC registration does not imply a certain level of skill or training. Insurance products and services are offered through Family Retirement Services; Signal Wealth does not offer insurance products, and Family Retirement Services is not affiliated with Signal Wealth. Educational information only; not tax, legal, or Social Security advice. Insurance and annuity recommendations are subject to applicable rules and may generate commissions. Not affiliated with or endorsed by the U.S. Government or any governmental agency.

09/21/2026

Retirement doesn’t automatically make a Roth conversion the right move. “It depends” isn’t the exciting answer—but it’s where the planning starts.

I want our clients looking at the whole picture before choosing an amount. What would you want to understand before making that decision?

Comment TAXREVIEW for information about a Tax-Efficient Financial Review, or schedule a Tax-Aware Planning Conversation:
https://calendly.com/frsadvisor/tax-aware-planning-conversation

Educational information only—not individualized tax, legal, Social Security, or Medicare advice. Individual circumstances vary.

Investment advisory services are offered by Signal Advisors Wealth, LLC (“Signal Wealth”), an SEC-registered investment adviser. SEC registration does not imply a certain level of skill or training. Family Retirement Services is not affiliated with the Social Security Administration.

09/17/2026

Are you retiring with money in FRS DROP? Before you decide where it goes, decide what you need it to do.

I want our clients thinking through three decisions: paying off debt, making a major purchase, and creating retirement income. The balance is only part of the conversation—taxes, timing, and access to your money matter too.

Get the free FRS Retirement Playbook:
https://familyretirementservice.com/frs-retirement-playbook?utm_source=facebook&utm_medium=organic_social

Which of these three decisions is on your mind? Comment FRSREADY or, if you'd like a private conversation about your FRS retirement, use:
https://calendly.com/frsadvisor/frs_discovery_call

Educational information only; not tax, legal or Social Security advice. Individual circumstances vary. Family Retirement Services is not affiliated with the Florida Retirement System or any government agency. Investment advisory services are offered by Signal Advisors Wealth, LLC ("Signal Wealth"), an SEC-registered investment adviser. SEC registration does not imply a certain level of skill or training. Verify current plan rules through https://www.myfrs.com/.

Florida residents only. Insurance products and services are offered through Family Retirement Services, not Signal Wealth. Family Retirement Services is not affiliated with Signal Wealth. Product recommendations, if any, require appropriate fact-finding and may generate commissions.

09/17/2026

Retiring before Medicare can create a healthcare bridge that deserves its own plan. What coverage question would you want answered first? Comment FRSREADY. Educational information only. Individual circumstances vary. Family Retirement Services is not affiliated with the Florida Retirement System or any government agency.
https://calendly.com/frsadvisor/frs_discovery_call

09/16/2026

The air conditioner doesn’t check your retirement budget before it quits. Neither does the roof.

I want our clients to leave room for the expenses that don’t arrive on a neat monthly schedule. What would you want your retirement what-if fund to handle?

Comment TAXREVIEW for information about a Tax-Efficient Financial Review, or schedule a Tax-Aware Planning Conversation:
https://calendly.com/frsadvisor/tax-aware-planning-conversation

Educational information only—not individualized tax, legal, Social Security, or Medicare advice. Individual circumstances vary.

Investment advisory services are offered by Signal Advisors Wealth, LLC (“Signal Wealth”), an SEC-registered investment adviser. SEC registration does not imply a certain level of skill or training. Family Retirement Services is not affiliated with the Social Security Administration.

09/15/2026

You spent years building your retirement savings. Now comes a different question: which money do you use first?

In this presentation, I walk through retirement withdrawals, room for unexpected expenses, and the questions to ask before a Roth conversion. I want our clients looking at how the pieces work together—not asking one account to do every job.

What would you want to understand before taking your first retirement withdrawal?

For information about a Tax-Efficient Financial Review, comment TAXREVIEW or schedule a Tax-Aware Planning Conversation:
https://calendly.com/frsadvisor/tax-aware-planning-conversation

Educational information only—not individualized tax, legal, Social Security, or Medicare advice. Individual circumstances vary.

Investment advisory services are offered by Signal Advisors Wealth, LLC (“Signal Wealth”), an SEC-registered investment adviser. SEC registration does not imply a certain level of skill or training. Family Retirement Services is not affiliated with the Social Security Administration.

09/14/2026

You’ve spent years building the nest egg. Now comes a different question: how do you use it?

Retirement changes the climb. I want our clients thinking beyond the balance and about the income they’ll need. What part of that transition feels least clear to you?

Comment TAXREVIEW for information about a Tax-Efficient Financial Review, or schedule a Tax-Aware Planning Conversation:
https://calendly.com/frsadvisor/tax-aware-planning-conversation

Educational information only—not individualized tax, legal, Social Security, or Medicare advice. Individual circumstances vary.

Investment advisory services are offered by Signal Advisors Wealth, LLC (“Signal Wealth”), an SEC-registered investment adviser. SEC registration does not imply a certain level of skill or training. Family Retirement Services is not affiliated with the Social Security Administration.

09/14/2026

For an FRS member, Social Security timing should be coordinated with the pension, cash flow, taxes, and survivor needs. Which factor gets overlooked? Comment FRSREADY. Educational information only. Individual circumstances vary. Family Retirement Services is not affiliated with the Florida Retirement System or any government agency.
https://calendly.com/frsadvisor/frs_discovery_call

09/11/2026

An unexpected bill won’t wait for a convenient date on your retirement calendar.

I want our clients to understand an annuity’s access rules before they need the money—not while the bill is sitting on the kitchen counter.

Florida residents: comment INCOMEGUIDE for information about a retirement-income review, or book an Annuity Discovery Call:
https://calendly.com/frsadvisor/annuity-discovery-call

Educational information only. Individual circumstances vary.

Florida residents only. Insurance products and services are offered through Family Retirement Services, not Signal Wealth. Family Retirement Services is not affiliated with Signal Wealth. Product recommendations, if any, require appropriate fact-finding and may generate commissions.

09/11/2026

Technology can organize the numbers. It can’t tell us what matters most to you.

That’s why we sit down and listen to our clients—not let two computers have the meeting for us.

Your questions, your concerns, and what you want retirement to look like belong at the center of the conversation.

What would you want a retirement advisor to understand about you first?

09/10/2026

The DROP decision is not simply “take the check.” How should the balance support income, taxes, fees, and risk? Comment FRSREADY. Educational information only. Individual circumstances vary. Family Retirement Services is not affiliated with the Florida Retirement System or any government agency.
https://calendly.com/frsadvisor/frs_discovery_call

Address

8461 Lake Worth Road, Suite 477
Lake Worth, FL
33467

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+15613106688

Website

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