An Independent Retirement, Social Security, Medicare, Long Term Care, Income Tax, and Estate Planning Firm. Serving clients since 1982.

40 Years of Excellence - Fraser Allport

Florida DROP Library

Fraser Allport is a Specialist in the DROP Program. Fraser has been a Self-Employed Independent Advisor for 40 Years. He will educate you on your DROP choices. Fraser will guide you through the DROP exit process to ensure that all of your Retirement Needs and Goals are met. Fraser offers you a Complimentary Phone Consultation to help you with the following DROP issues, and any other financial questions on your mind as well.

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Learn more about the different aspects of Florida’s DROP. Click on the informative articles below, then call Fraser Allport to set up your no obligation Complimentary Phone Consultation.

Schedule a no obligation Complimentary Consultation with Fraser :

https://calendly.com/fiduciaryadvisor

8 Simple Tips for Estate Planning

8 Simple Tips for Estate Planning

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.

10 Minute Tax Tune-Up

10 Minute Tax Tune-Up

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

Fraser’s Services

Fraser’s Services

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...

How to invest your DROP Lump Sum

How to invest your DROP Lump Sum

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...

10 Tips for a Successful Retirement

10 Tips for a Successful Retirement

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.

What to expect in Your Retirement

What to expect in Your Retirement

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.

Why Work with a Fiduciary?

Why Work with a Fiduciary?

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.

What happens to Your DROP Lump Sum when You Retire ?

What happens to Your DROP Lump Sum when You Retire ?

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.

Have You Designated Beneficiaries for Your FRS DROP plan in writing?

Have You Designated Beneficiaries for Your FRS DROP plan in writing?

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...

How to plan for rising Health Care costs in Retirement

How to plan for rising Health Care costs in Retirement

Estimated cost for Health Care after age 65? Try $285,000 per couple in Assets needed today. It is estimated that the average couple will need $285,000 in today’s dollars for Medical Expenses in Retirement. That $ 285,000 does not even include Long Term Care and Home Health Care.

Do You Understand Your FRS Health Insurance Subsidy?

Do You Understand Your FRS Health Insurance Subsidy?

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

How to Find and Claim Your Old Retirement Accounts

How to Find and Claim Your Old Retirement Accounts

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.

Experience Matters

Experience Matters

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

Retirement Requirement : “Know Your Numbers”

Retirement Requirement : “Know Your Numbers”

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.

Four Ways to Ruin Your Retirement

Four Ways to Ruin Your Retirement

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.

Medicare Part D : Prescription Drug Plan

Medicare Part D : Prescription Drug Plan

Most Part D plans charge a monthly premium. Other Part D costs may include a yearly deductible and then co-pays or co-insurance each time a prescription is filled. The information below shows the types of costs that plans may apply.

How to Invest Your DROP Lump Sum

How to Invest Your DROP Lump Sum

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.

What You Need to Know about Signing up for Medicare

What You Need to Know about Signing up for Medicare

There are a number of different options to consider when signing up for Medicare. Medicare consists of four major programs: Part A, Part B, Part C and Part D. In addition, Medigap policies offer additional coverage to individuals enrolled in Parts A and B.

Understanding the Medicare Maze

Understanding the Medicare Maze

Medicare has strict rules, important deadlines, penalties, and a maze of choices. It can all be costly and confusing. You need to be an Educated Consumer and a Smart Shopper.

The High Cost of Bad Financial Advice

The High Cost of Bad Financial Advice

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.

Can You Collect Social Security While You Are Still Working?

Can You Collect Social Security While You Are Still Working?

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...

How does your DROP coordinate with your Social Security?

How does your DROP coordinate with your Social Security?

Once you retire ... You will have many decisions, deadlines, and forms. You will face decisions about your DROP, Social Security, and Medicare (or your Health Insurance options if you are not yet Medicare eligible.)Also, what are your choices with your DROP Lump Sum...

Are You DROP Retirement Ready?

Are You DROP Retirement Ready?

Now that your participation in the Florida Retirement System’s “Deferred Retirement Option Program” (DROP) is ending, it’s time to decide how to take your DROP payment. Fraser Allport is a Specialist in the DROP Program.

Social Security and Income Taxes

Social Security and Income Taxes

Your Income Taxes may just be the single largest expense in your Retirement. Income Taxes are “ The Forever Bill ”. You may need to pay Income Taxes on a portion of your Social Security benefits based on your Income.

Need help with Your DROP Paperwork ?

Need help with Your DROP Paperwork ?

As you prepare to Retire ...You will have many decisions, deadlines, and forms.   Congratulations on your upcoming Retirement ! You are about to make some of the most significant and consequential decisions of Your entire Life. You will need to make decisions...

Medicare and Medicare Supplements

Medicare and Medicare Supplements

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 ?

Costly Medicare Mistakes

Costly Medicare Mistakes

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.

How to Invest Your DROP Lump Sum?

How to Invest Your DROP Lump Sum?

What Happens to Your DROP Lump Sum Money when You Retire ? With 37 Years of Experience in Financial Services, Fraser Allport can help you with all your DROP and Retirement needs.

Don’t Lose Money in Retirement!

Don’t Lose Money in Retirement!

As you prepare to Retire, you are about to make some of the most significant and consequential financial decisions of your entire Life. Whether it be Social Security, Medicare, or where to invest your DROP Lump Sum…

Caregiving for Your Loved Ones

Caregiving for Your Loved Ones

What happens when you cannot care for yourself, or for others, because you cannot perform at least two of the six Activities of Daily Living ? Medicare is not the answer, because Medicare does not pay for chronic illness.

Will your Social Security benefits be taxed ?

Will your Social Security benefits be taxed ?

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.

Mutual Funds Have Risks

Mutual Funds Have Risks

A person tells me that they are going to invest their DROP into Mutual Funds. Then that person cannot answer how a Mutual Fund really works, or the Risks and Fees involved.

A Free Report for You: 10 Costly Medicare Mistakes

A Free Report for You: 10 Costly Medicare Mistakes

Millions of Seniors rely on Medicare in Retirement, but if you’re not proactive and well informed, you could end up paying more for your health coverage, have permanent lifetime penalties, and miss out on key benefits that Medicare has to offer.

The Road Not Taken

The Road Not Taken

Two roads diverged in a yellow wood,
And sorry I could not travel both
And be one traveler, long I stood
And looked down one as far as I could
To where it bent in the undergrowth;

Your New Year’s Resolution

Your New Year’s Resolution

Your # 1 New Year’s Resolution: Get Your House In Order with Estate Planning. Fraser is here to help you with Social Security, Medicare, Home Health Care, Retirement Planning, Estate Planning, Income Tax Reduction, Asset Protection, and “ Total Planning ” for individuals and business owners.

A seasoned Fiduciary with a diverse set of skills.

Experience Matters.

Please see Fraser’s calendar below to schedule a no obligation Complimentary Consultation with him :

https://calendly.com/fiduciaryadvisor

Important Information

Fraser Allport is an Independent Fiduciary and the Owner of The Total Advisor, LLC, specializing in Retirement, Income Tax, and Estate Planning. Fraser also focuses on Social Security, Medicare, Long Term Care, and Home Health Care. Advisory services through Coppell Advisory Solutions, LLC dba Fusion Capital Management, an SEC registered investment advisor, transacting business in states where it is registered or excluded or exempted from registration. Fraser Allport is not associated with the State of Florida. SEC registration does not constitute an endorsement by the Commission and does not speak to Advisor's skill or ability. All investment strategies have the potential for profit or loss.

Florida License #   A  00  44  61 and  L 09 47 754

For further Disclosures, please click here.

Office Hours

Monday - Friday 10AM - 6PM
Saturday - By Appointment Only

Fraser Allport - The Total Advisor ™

A Fiduciary and Certified Estate Planner ™

Owner of The Total Advisor ™, LLC

An Independent Retirement, Social Security, Medicare, Long Term Care, Income Tax and Estate Planning Firm

Excellence since 1982.

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Our Location

The Total Advisor ™, LLC

2 Oceans West Blvd.
Daytona Beach Shores, FL. 32118-7941

Office: 386 - 256 - 7300
Mobile: 386 - 882 – 6256

Email: [email protected]