Retirement Planning for the Public Servants Who Deserve the Best

You’ve Dedicated Your Career to Florida—Now Let’s Secure Your Future

At Trammell Wealth, we specialize in helping Florida’s state and local government employees—just like you—make the most of your retirement benefits through personalized financial planning and investment management.

Whether you’re enrolled in the FRS Pension Plan or the FRS Investment Plan, our mission is to help you understand your options, maximize your benefits, and build a confident retirement plan that reflects your years of service.

Why Work with Us?

  • Independent, Fiduciary Advice – We always put your best interests first, with transparent, flat-fee pricing.

  • No AUM Minimums – We believe every public servant deserves quality financial planning, regardless of account size.

  • Specialized in FRS – We understand how DROP, vesting rules, service credit, and plan choices impact your long-term goals.

  • Expertise with WEP and Social Security – We help you navigate the Windfall Elimination Provision (WEP) rules that may reduce your Social Security benefits, and develop strategies to minimize the impact and plan accordingly.

  • Integrated Retirement Planning – We combine your FRS benefits with Social Security, deferred comp plans (457b), and personal savings to create one clear plan.

How We Help:

Understand Your FRS Plan Options

We’ll walk you through the key differences between the Pension and Investment Plans, and help you choose or optimize the one that fits your retirement timeline and risk tolerance.

Plan for DROP (Deferred Retirement Option Program)

If you're considering DROP, we’ll model your payout options, tax impact, and reinvestment strategies to make the most of this unique benefit.

Coordinate All Your Benefits

We integrate your FRS plan with Social Security (including WEP considerations), health benefits, and supplemental retirement accounts like 403(b) and 457(b) plans.

Retirement Income Planning

We transform your benefits into a sustainable monthly income strategy, considering taxes, inflation, and long-term objectives.

Let’s Build the Retirement You Deserve

Whether you’re early in your career or nearing your DROP date, we offer clear, actionable advice rooted in experience and respect for your public service.