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Personalized Advice is Now Available for Your FRS Retirement Plan


The “Self-Directed Brokerage” option available within FRS allows the opportunity for personalized
independent investment advice with no rollover and no taxable distribution.

Click on the video below to learn more!



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People who seek help with their FRS Investment account could earn over 3% more.

Without Advice

Portfolios of Participants who didn't get help suffered from: 2

  • Inappropriate risk levels
  • Market timing mistakes
  • Misunderstanding risks and market volatility

With Advice

Advisors Add Value: 1

  • As effective behavioral coaches (up to 2%)
  • Applying tax aware investing (up to 0.80%)
  • Employing cost effective investments (up to 0.33%)
  • Managing asset allocations and rebalancing (up to 0.20%)
  • Managing spending strategy (up to 0.75%)


1 According to the study of eight large 401(k) plans with more than 425,000 participants and $25 billion in assets, by Aon Hewitt, a consulting firm, and Financial Engines, an investment advisory firm, between 2006-2010.

2 According to Russell Investments annual Value of an Advisor study, 2017.


Integrity Financial Group

12301 Lake Underhill Rd #213 | Orlando, FL 32828 | 407.271.8029 | www.financialservicesamerica.com

Check the background of this firm/advisor on FINRA’s BrokerCheck.