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|Teacher dreams of retiring on the open road … |

|“So many people plan on traveling around Europe when they retire. My husband and I want to look around the U.S. first, since it already has |

|some of the best views in the world!” |

| |

|Sharon believes that she’ll be an educator under the Florida Retirement System until she retires. After using the resources available to her |

|and asking a lot of questions, she chose to stay in the Pension Plan. Now that she’s had a chance to check out the Advisor Service at |

|, she has a pretty good idea of when she and her husband can retire and how much annual income they’ll need in retirement. |

| |

|“The Advisor Service was easy-to-use. Since my Pension Plan benefits are already loaded into the service, all I had to do was add information|

|about my husband’s 401(k) plan,” Sharon explains. |

| |

|“The Advisor Service took this information and gave us a ‘Forecast,’ which told us our chance of reaching our retirement income goals. Since |

|my husband’s 401(k) plan doesn’t offer this type of guidance, we chose to get specific investment recommendations on his plan. I then called |

|the MyFRS Financial Guidance Line and asked the Ernst & Young financial planner some questions about our Forecast. Using the information on |

|my husband’s available 401(k) investment fund choices, she helped us decide how much to put in each fund and gave us a revised Forecast. |

|After changing my husband’s fund mix and by saving just a bit more each year, we think we’ll have a better chance of getting where we want to |

|be when we retire.” |

|More about Sharon … |The MyFRS Financial Guidance Program says … |

|Age 45 |Happy travels! Sharon and her husband improved the chances of reaching their retirement income |

|20 years of FRS service |goal by saving more each year and by making some modest fund changes to her husband’s 401(k) |

|Teaches elementary school |plan. |

|Is saving up for a sports car and an RV | |

| |Some FRS members may want help using the Advisor Service or understanding what the guidance |

| |means. The MyFRS Financial Guidance Line can help guide you through the Advisor Service and can |

| |help interpret the recommendations, if necessary. The two resources — the Advisor Service and |

| |the MyFRS Financial Guidance Line — can work together to help you get your retirement income |

| |planning on track. |

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