An Independent Retirement, Social Security, Medicare, Income Tax, and Estate Planning Firm. Concierge Service since 1982.

Florida DROP Library
Fraser Allport is a Specialist in the DROP Program. Fraser has been a Self-Employed Independent Advisor for 40 Years. He will educate you on your DROP choices. Fraser will guide you through the DROP exit process to ensure that all of your Retirement Needs and Goals are met. Fraser offers you a Complimentary Phone Consultation to help you with the following DROP issues, and any other financial questions on your mind as well.

Learn more about the different aspects of Florida’s DROP. Click on the informative articles below, then call Fraser Allport to set up your no obligation Complimentary Phone Consultation.
Schedule a no obligation Complimentary Consultation with Fraser :
Longevity Planning is The New Retirement Planning
How to guarantee that Your Money lives as long as you do. According to The Stanford Center on Longevity: Prepare for Living to Age 100.
Why Women have unique Retirement Planning Needs
Retirement Planning Is Different for Women. With a longer lifespan and often less time building a Nest Egg at a lower wage scale, the stakes for Women are higher in Retirement.
8 Simple Tips for Estate Planning
Fraser’s simple “ Estate Fact-Finder ” questionnaire can help start the process of building you a bona fide Estate Plan. Here’s Fraser’s eight critical steps for Estate Planning.
10 Minute Tax Tune-Up
Income Tax Reduction Made Easy. How to Stop Over-Paying Your Income Taxes. Are You Needlessly Over-Paying Your Income Taxes?
Social Security Changes for 2023
Fraser’s complimentary “ Social Security Maximization Report ” will help you to maximize your Social Security Benefits
Fraser’s Services
Fraser Allport – Fiduciary Owner of The Total Advisor, LLC For All Your Financial Needs Fraser Allport is a Fiduciary and Certified Estate Planner ™ with 40 Years of Experience. Fraser can help answer your DROP, Def. Comp., 403b, Social Security and Medicare...
How to invest your DROP Lump Sum
With 40 Years of Experience in Financial Services, Fraser Allport can help you with all your DROP, Medicare, Social Security and Retirement questions. Be a Good Shepherd of Your Money. Work with a Good Steward of Your Money. Talk with Fraser … an...
Do You Need Help with Your DROP Social Security and Medicare Choices, Deadlines and Paperwork?
Because you participate in The Florida Retirement System’s DROP . . . Now is the time to be even more attentive and proactive about your Money.
Get Your Complimentary “Social Security Benefits Planner”
You may need to pay Income Taxes on a portion of your Social Security benefits, based on your Income. But knowing the Rules can help you minimize your Income Taxes as much as The Law allows.
How to Minimize Your Social Security Taxes
Income Taxes are The Forever Bill. They are often a person’s single largest expense. Even after Death.
Retirement Rule #1: Don’t Risk or Lose Your Principal
Recent Market Volatility has once again proven the old adage that Markets fall faster than they rise, and that trees do not grow to the sky. Like Endless Summer … all Bull Markets end.
How to Maximize Social Security Benefits with Spousal Strategies
Starting your Social Security Benefits will be one of the most important financial decisions of your entire Life.
10 Tips for a Successful Retirement
Fraser’s “ 10 Step System ” helps you take control of your finances, health, and well-being with a holistic approach, so that your Retirement is the best chapter in Your Life Story.
Think of Your DROP and Retirement Planning like a Wedding
A Wedding, like Your Retirement … is A BIG DEAL. You certainly would not start wedding planning just a few months or weeks before the date !
It’s time to get ready for Medicare Open Enrollment
Medicare Open Enrollment runs from October 15 to December 7, but did you know you can get an early look at next year’s health plans and prescription drug plans starting on October 1?
What to expect in Your Retirement
Living Longer … Paying More … Getting Less … Uh Oh
What does Retirement look like in Our Lifetime ? Living Longer – According to Stanford University … This generation of Retirees needs to plan for possibly living 30 Years in Retirement.
Why Work with a Fiduciary?
You know why you want to work with a Fiduciary ? Because it’s YOUR Money at stake, not a Broker’s. If you get smart about your money … you will likely have more of it.
Underestimating Expenses Could Derail Your Retirement Plans
You’re about as likely to guess how much money you’ll need for retirement as you are to predict exactly how long you’ll live. Yet in order to live comfortably in your senior years, you have to come up with estimates for both.
A Medicare Supplement Policy is NOT always a Guaranteed Issue
A Medicare Supplement Policy ( aka – Medigap ) is designed to pay those out-of-pocket medical expenses not covered by Medicare. Buying this policy is optional. It is issued by a private insurance company, not the U.S. Government.
Your #1 New Year’s Resolution – Get Your House In Order with Estate Planning
Fraser Allport is a Certified Estate Planner™ and offers the following services: Health Insurance and Medicare choices, Social Security and Retirement Planning…
Where to invest Your DROP Lump Sum when You Retire?
Your lump-sum DROP money is paid in one of three ways. Your choices are …
Will Coronavirus Affect Your Social Security Benefits ?
Social Security Benefits are an income stream you can’t outlive. That’s the simple definition of an Annuity : Guaranteed Lifetime Income, even if you outlive your Principal.
Why Health Insurance is a Senior’s # 1 Concern
The reason that Seniors worry about their Health Insurance is because, in America, it’s the Medical Bills that will kill you.
Healthcare Expenses & Medicare: What Medicare covers … and What it does not.
A very simple fact about Medicare is that it is not free, nor does it cover 100% of your Medical Expenses. There are deductibles, copayments, and coinsurance that still need to be paid.
Longevity is the Next Global Economic Threat
According to The Stanford Center for Longevity … Get Ready for 30 Years of Retirement.
The most important Social Security table you’ll ever see
You first need to understand how your full retirement age and claiming age can affect your payout.
If you are retiring from DROP in the next 12 months – READ THIS FIRST
You are in the DROP. Good for you. That’s a smart move. But do you fully understand your DROP ?
What happens to Your DROP Lump Sum when You Retire ?
Your lump-sum DROP money is paid in one of three ways:
1. As a lump-sum payment, with mandatory 20% withheld for Federal Income Taxes.
2. As a direct 100% rollover to your own personal “Self-Directed IRA Rollover” investment account.
Persistence Pays Off
Nothing in the world can take the place of
P E R S I S T E N C E
Are You financially prepared for Longevity ?
According to Stanford University’s Longevity Center … Get ready for 30 Years of Retirement. But are you financially prepared for Longevity ?
Underestimating Expenses could seriously derail your Retirement Plans
Half of Retirees say that they wish they’d budgeted more for these expenses. You’re about as likely to guess how much money you’ll need for retirement as you are to predict exactly how long you’ll live.
Have You Designated Beneficiaries for Your FRS DROP plan in writing?
What happens if you die while you are still in the DROP ? Who are the Beneficiaries for your Lump Sum Money ? There are specific FRS DROP Beneficiary Forms that need to be completed, in writing, and then filed with FRS. Have you done this ? Have you confirmed...
How to plan for rising Health Care costs in Retirement
Estimated cost for Health Care after age 65? Try $285,000 per couple in Assets needed today. It is estimated that the average couple will need $285,000 in today’s dollars for Medical Expenses in Retirement. That $ 285,000 does not even include Long Term Care and Home Health Care.
Do You Understand Your FRS Health Insurance Subsidy?
The Health Insurance Subsidy (HIS) is a monthly supplemental payment that helps to offset the cost of the member’s health insurance premiums. Eligible retirees or beneficiaries will receive a monthly HIS benefit
How to Find and Claim Your Old Retirement Accounts
Whether you quit on your own accord, are fired, or laid off, leaving a job can be hectic. In the midst of the transition, dealing with a retirement account might get pushed pretty low on your To-Do list.
Experience Matters
I have been in business for 40 Years. I will be here when you need me.
Retirement Requirement : “Know Your Numbers”
If You are within 5 years of Retiring … it is time to start planning for the next chapter in Your Life. When it comes to retiring from DROP … most participants plan only a few months in advance.
Four Ways to Ruin Your Retirement
When you retire, it is wise for you to seek out the advice of Professionals to help you invest your DROP Lump Sum and “ Get Your House in Order ” with wise Estate Planning.
Attention DROP Participants : Do you need help with your DROP, Social Security, and Medicare choices, deadlines, and paperwork ?
Because you participate in The Florida Retirement System’s DROP . . . Now is the time to be even more attentive and proactive about your Money
Medicare Part D : Prescription Drug Plan
Most Part D plans charge a monthly premium. Other Part D costs may include a yearly deductible and then co-pays or co-insurance each time a prescription is filled. The information below shows the types of costs that plans may apply.
How to Invest Your DROP Lump Sum
Be a Good Shepherd of Your Money. Work with a Good Steward of Your Money. Your lump-sum DROP money is paid in one of three ways.
What You Need to Know about Signing up for Medicare
There are a number of different options to consider when signing up for Medicare. Medicare consists of four major programs: Part A, Part B, Part C and Part D. In addition, Medigap policies offer additional coverage to individuals enrolled in Parts A and B.
Estate Planning : Leaving A Legacy … or Leaving a Mess
Doing some simple Estate and Legacy Planning could help give you Peace of Mind about your finances and final affairs.
Original Medicare vs. Medicare Advantage: Which one best suits your needs and budget?
As you plan for Retirement … You will have three major financial decisions before you : When to start your Social Security ? What to do with your DROP Lump Sum ? What to do about your Health Insurance and Medicare ?
Understanding the Medicare Maze
Medicare has strict rules, important deadlines, penalties, and a maze of choices. It can all be costly and confusing. You need to be an Educated Consumer and a Smart Shopper.
The High Cost of Bad Financial Advice
When you retire, it is wise for you to seek out the advice of Professionals to help you invest your DROP Lump Sum and other Assets and “ Get Your House in Order ” with Estate Planning.
Can You Collect Social Security While You Are Still Working?
In 2019, the annual earnings limit for those under Full Retirement Age (FRA) is $17,640. That means in 2019 you can earn up to $17,640 and still receive all your Social Security benefits with no penalty, even if you are not yet at Full Retirement Age. This is an...
Retired and Loving it? The Differences Between Happy and Unhappy Retirees
From Fraser Allport, The Total Advisor™ 386.882.6256 Learn why some people are happily retired, while others are stressed about their finances. The Differences Between Happy and Unhappy Retirees - 8 Easy Tips : # 1 : Some Retirees are Happy, While Others are Unhappy...
What are your options with your DROP Lump Sum Money when you Retire?
With 40 Years of Experience in Financial Services, Fraser Allport can help you with all your DROP and Retirement needs. Your lump-sum DROP money is paid in one of three ways. Your choices : As a lump-sum payment, with mandatory 20% withheld for Federal Income...
How does your DROP coordinate with your Social Security?
Once you retire ... You will have many decisions, deadlines, and forms. You will face decisions about your DROP, Social Security, and Medicare (or your Health Insurance options if you are not yet Medicare eligible.)Also, what are your choices with your DROP Lump Sum...
How does your DROP Plan coordinate with your Health Insurance in Retirement?
Once you retire ... You will need Health Insurance: Medicare, as well as Home Health Care. What are your Plans for these two coming Needs of Yours? An evolution in avoiding Nursing Home confinement is occurring for all of us as we age. It's about combining your...
Are You DROP Retirement Ready?
Now that your participation in the Florida Retirement System’s “Deferred Retirement Option Program” (DROP) is ending, it’s time to decide how to take your DROP payment. Fraser Allport is a Specialist in the DROP Program.
Social Security and Income Taxes
Your Income Taxes may just be the single largest expense in your Retirement. Income Taxes are “ The Forever Bill ”. You may need to pay Income Taxes on a portion of your Social Security benefits based on your Income.
Need help with Your DROP Paperwork ?
As you prepare to Retire ...You will have many decisions, deadlines, and forms. Congratulations on your upcoming Retirement ! You are about to make some of the most significant and consequential decisions of Your entire Life. You will need to make decisions...
Medicare and Medicare Supplements
As you head into Retirement, You have three major decisions in front of you : What are your choices for your DROP Lump Sum money ? When should You start Social Security ? Can You utilize Spousal Strategies ?
What are your choices for Medicare and Medicare Supplements ?
A Free Report to Maximize Social Security Benefits for You and Your Spouse
Get all the facts ! Choosing when to apply for your Social Security, and how to maximize ” Spousal Benefits ” , will be one of the most significant financial decisions of your entire Life.
Costly Medicare Mistakes
Millions of seniors rely on Medicare in retirement, but if you’re not proactive, you could end up paying more for your health coverage and miss out on key benefits the program has to offer. Here are a few Medicare mistakes to avoid.
How to Invest Your DROP Lump Sum?
What Happens to Your DROP Lump Sum Money when You Retire ? With 37 Years of Experience in Financial Services, Fraser Allport can help you with all your DROP and Retirement needs.
Don’t Lose Money in Retirement!
As you prepare to Retire, you are about to make some of the most significant and consequential financial decisions of your entire Life. Whether it be Social Security, Medicare, or where to invest your DROP Lump Sum…
Caregiving for Your Loved Ones
What happens when you cannot care for yourself, or for others, because you cannot perform at least two of the six Activities of Daily Living ? Medicare is not the answer, because Medicare does not pay for chronic illness.
What’s the difference between Original Medicare and Medicare Advantage
There can be substantial differences in benefits and costs between Original Medicare versus a Medicare Advantage Plan, so a person is wise to research and compare how the two differ.
Will your Social Security benefits be taxed ?
For many people, the answer is yes. But proactive planning before you retire could help you minimize Income Taxes on your retirement income. After years of planning for that perfect retirement, diligently investing your money, drawing up detailed budgets and wisely investing your assets, you still have one more big issue and expense: Income Taxes.
Mutual Funds Have Risks
A person tells me that they are going to invest their DROP into Mutual Funds. Then that person cannot answer how a Mutual Fund really works, or the Risks and Fees involved.
A Free Report for You: 10 Costly Medicare Mistakes
Millions of Seniors rely on Medicare in Retirement, but if you’re not proactive and well informed, you could end up paying more for your health coverage, have permanent lifetime penalties, and miss out on key benefits that Medicare has to offer.
The Road Not Taken
Two roads diverged in a yellow wood,
And sorry I could not travel both
And be one traveler, long I stood
And looked down one as far as I could
To where it bent in the undergrowth;
Your New Year’s Resolution
Your # 1 New Year’s Resolution: Get Your House In Order with Estate Planning. Fraser is here to help you with Social Security, Medicare, Home Health Care, Retirement Planning, Estate Planning, Income Tax Reduction, Asset Protection, and “ Total Planning ” for individuals and business owners.
A seasoned Fiduciary with a diverse set of skills.
Experience Matters.
Please see Fraser’s calendar below to schedule a no obligation Complimentary Consultation with him :
Important Information
The Total Advisor, LLC is an Independent Retirement, Social Security, Medicare, Income Tax and Estate Planning Firm owned by Fraser Allport. Fraser Allport is not associated with The State of Florida. Advisory services through Coppell Advisory Solutions, LLC dba Fusion Capital Management, an SEC registered investment advisor, transacting business in states where it is registered or excluded or exempted from registration. SEC registration does not constitute an endorsement by the Commission and does not speak to Advisor's skill or ability. All investment strategies have the potential for profit or loss.
Florida License # A 00 44 61 and L 09 47 754
For further Disclosures, please click here.
Office Hours
Monday - Friday 10AM - 6PM
Saturday - By Appointment Only
Fraser Allport - The Total Advisor ™
A Fiduciary and Certified Estate Planner ™
Owner of The Total Advisor ™, LLC
An Independent Retirement, Social Security, Medicare, Income Tax and Estate Planning Firm
Concierge Service since 1982.
Our Location
The Total Advisor ™, LLC
2 Oceans West Blvd.
Daytona Beach Shores, FL. 32118-7941
Office: 386 - 256 - 7300
Mobile: 386 - 882 – 6256
Email: [email protected]