Florida DROP Library

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.

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.

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.

Income Tax Reduction Made Easy. How to Stop Over-Paying Your Income Taxes. Are You Needlessly Over-Paying Your Income Taxes?

Fraser’s complimentary “ Social Security Maximization Report ” will help you to maximize your Social Security Benefits

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...

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...

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.

Income Taxes are The Forever Bill. They are often a person’s single largest expense. Even after Death.

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.

Starting your Social Security Benefits will be one of the most important financial decisions of your entire Life.

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.

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 !

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.

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.

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.

Fraser Allport is a Certified Estate Planner™ and offers the following services: Health Insurance and Medicare choices, Social Security and Retirement Planning…

Your lump-sum DROP money is paid in one of three ways. Your choices are …

The reason that Seniors worry about their Health Insurance is because, in America, it’s the Medical Bills that will kill you.

According to The Stanford Center for Longevity … Get Ready for 30 Years of Retirement.

You first need to understand how your full retirement age and claiming age can affect your payout.

You are in the DROP. Good for you. That’s a smart move. But do you fully understand your DROP ?

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.

Nothing in the world can take the place of
P E R S I S T E N C E

According to Stanford University’s Longevity Center … Get ready for 30 Years of Retirement. But are you financially prepared for Longevity ?

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.

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...

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

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.

I have been in business for 40 Years. I will be here when you need me.

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.

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.

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.

Doing some simple Estate and Legacy Planning could help give you Peace of Mind about your finances and final affairs.

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.

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...

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...

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 ?

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.

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.