Retirement planning should feel empowering—not overwhelming.But what happens when you’re faced with a maze of options, perplexing pension choices, and high-stakes decisions that keep you up at night?In this episode, John and April unravel the complexities of retirement planning for Florida Retirement System (FRS) members—making it clearer, simpler, and surprisingly fun.You’ll discover…The story of two retirement decisions in one family—and how one choice changed everything for decades.Why DROP and pension options aren’t as “set and forget” as most people think.The shockingly common mistake that could cost retirees thousands in unnecessary taxes.How timing your Social Security and coordinating benefits could radically increase your income for life.The overlooked risk of forced withdrawals and how to keep your retirement savings working for you.

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