Questions Needing Answers – The Second Half Team

The thought of retiring can be both exciting and scary. It doesn’t have to be. We’ll address these important questions and more.

Can I retire and work only if I want to and not because I have to?
Withdrawals? 10% penalties? Pre – 50, 59 1/2, 72-T, other?
Investment options for my DROP, FRS Inv Plan, and more?***
How will I cover ever-rising Healthcare costs?
How will my COLA (or lack thereof) affect my plan over time?
FRS Inv Plan — how do I create my own pension with a COLA?***
What do I do with my sick leave and unused vacation payouts?
Providing for spouse? Ex-spouse issues? Kids? Parents?
When should I take Social Security? RMDs at 72?
FRS Inv Plan – can I retire? When can I retire?***
415 rules? 175/185 monies? OPEBs? IRA’s? ROTHs?***
And many more

Each person has a different situation and different needs. Because of this, we need to know your specific set of facts and needs in order to answer your questions. So, contact us to schedule your Complimentary financial plan.

*** ANY and ALL information provided here within is neither approved or endorsed by the Florida Retirement System and/or any Chapter 175 pension plan providers.

Investment advisory services offered through Second Half Financial Partners, LLC, ("Second Half"), a SEC Registered Investment Adviser domiciled in the state of Florida, and appropriately registered in all states in which it conducts business. Second Half consists of a group of financial advisors that each own separate but affiliated insurance real estate, and/or tax businesses ("outside business activities") which operate under separate d/b/a names. Each financial advisor is appropriately licensed and registered with respect to their own outside business activities, as applicable. For additional information about any outside business activities, Form ADV 2A is available at https://adviserinfo.sec.gov. Additionally, each respective financial advisor's Form ADV 2B is available upon request. Second Half does not offer tax, accounting, or legal advice, therefore parties are strongly encouraged to seek advice from qualified tax, accounting and/or legal experts regarding options for your particular circumstances. Any 3rd party posts or external hyperlinks on this site are not the property of this firm and are subject to change without notice. The views, opinions, and advice contained within third party websites or materials are solely those of the author and do not necessarily reflect those of Second Half. Any content contained herein is for U.S. residents only. The information, products and services described here are intended only for individuals residing in states where each financial advisor is properly licensed. "Advisory services offered through Second Half Financial Partners, LLC an SEC Registered Investment Advisor. SEC registration does not constitute an endorsement of the firm by the Commission, nor does it indicate the firm, or its investment adviser representatives have attained a particular level of skill or ability. Second Half Financial Partners does not provide tax or legal advice. This website does not constitute an offer to sell or a solicitation of offers to purchase or sell securities in any jurisdiction in which Second Half Financial Partners is not qualified to make or solicit such offers. These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable; however, we cannot assure the accuracy or completeness of these materials. This information may change at any time and without notice. Individual results may vary, past performance does not predict future results."

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