FRS / State Employee Retirement Planning Services

Our Goal at Essential Financial is to Educate, Inspire and Empower clients to make smart decisions about their finances.

Having a financially secure retirement may seem daunting, but if you know what steps to take – and what to avoid you are able to achieve the retirement you have worked for.

 For many Americans, planning for retirement is a mystery and as an FRS member or State employee you are part of a good but very complex benefit system.

At the end of your career, you will need to properly plan for those years when you stop working and you transition to retirement. You will be required to make decisions that will affect your retirement years making  it  necessary for you to have a clear understanding of the benefits offered by your employer and be able to navigate the FRS benefit system. 

With have many years of experience working and helping FRS employees. We have helped many individuals like yourself unravel the mystery of their benefits. We aim to break down complex concepts into a easy to understand language and provide the necessary guidance so you may make educated decisions when planning for your retirement.

While understanding your benefits is critical, we also assist you with “ the bigger picture”.  We address real problems and personal financial challenges you may be facing  such as running out of money, how benefits might affect your dreamed retirement and what you can do before, during your transition years and during retirement.

What you can expectfrom us is:  Straight answers that can help you improve your plans for retirement specific to your own financial situation.

Please contact us to schedule a complimentary FRS Benefits analysis. 

We are here to educate you, inspire you and empower you!