March 31, 2026  ·  5:30 PM  ·  Largo, FL
Reserve Your Seat
Free Event
Tuesday, March 31, 2026  ·  5:30 PM  ·  Largo, FL

Are Your Pension, DROP
& 457 Benefits Working
as Hard as You Do?

Most Largo firefighters have powerful retirement benefits — but without the right guidance, costly decisions get made without the full picture. This free evening event is designed to change that.

Tuesday, March 31, 2026  ·  5:30 PM
13220 Belcher Rd S, Suite 6  ·  Largo, FL
Complimentary drinks & snacks provided
Reserve Your Spot
Attend This Free Event
Space is limited. Register below — no cost, no obligation.
Largo-specific pension & DROP guidance
457 plan strategy & income planning
Complimentary drinks & snacks included
★ Fill out the form below to register.

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DROP Investment Choices
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To Get the Full Picture
Firefighter in uniform
Fee-BasedFiduciary Advisors
Who We Serve

Supporting Those Who Protect Largo

As a Largo firefighter, you face important decisions about your private pension, DROP participation, 457 plan, and life insurance options. Navigating these choices — especially as retirement approaches — can be confusing without the right guidance.

Base Wealth Management is a fee-based, fiduciary firm. We don't earn commissions. Our only incentive is your financial wellbeing — with full transparency on fees, services, and philosophy.

Local, Largo-Specific Knowledge

Your pension has a unique multiplier and DROP duration. We've helped Largo firefighters understand these specifics and build dependable retirement income.

The Full Picture — Not Just One Piece

HR materials often leave out how your pension, DROP, 457, and insurance decisions fit together. We connect the dots.

Guidance at Every Career Stage

Whether you're just starting out or months from retirement, we help you make confident, informed decisions every step of the way.

Key Areas We Address

Where We Help Largo Firefighters

From DROP decisions to estate planning, we help connect all the pieces of your financial picture into a cohesive, personalized strategy.
Pension Option Guidance
Understand your pension structure, benefit multiplier, survivor options, and the long-term income impact of your choices.
DROP Strategy Planning
Make informed decisions about DROP timing, investment selection, lump-sum payouts, and rollover options to continue tax-deferred growth.
457 Plan Optimization
Maximize contributions, weigh pre-tax vs. Roth choices, and leverage your 457's early withdrawal flexibility — a benefit few plans offer.
Life Insurance Coordination
Align private coverage with pension benefits to protect your family and potentially unlock a higher pension payout option.
Roth IRA Integration
Leverage overtime or second-job income to build accessible, tax-free retirement savings alongside your pension and 457 plan.
Legacy & Estate Planning
Create a plan that secures your assets, honors your intentions, and ensures your family is provided for beyond your working years.
"Most Largo firefighters receive limited guidance on their benefits.
We help you see — and act on — the full picture."
Common Planning Areas

Where Opportunities Are Often Missed

Through years of working with Largo firefighters, we've identified several areas where clearer guidance — and a personalized plan — can make a meaningful difference.

01
Pension Planning with Purpose
The Largo private pension is unique — contribution rates, retirement age, and multipliers differ from FRS. Understanding how your benefit is calculated and how overtime may affect your payout can meaningfully influence your long-term income.
02
DROP Exit & Rollover Strategy
With multiple investment choices for your DROP funds — each with different risk profiles — understanding which aligns with your timeline is an important decision worth evaluating carefully before you exit.
03
Leveraging the 457 Plan
Your 457 plan allows early withdrawals without penalties — a rare advantage. Combining this with thoughtful contribution decisions can create flexibility other retirement savers simply don't have.
04
Insurance Gaps at Retirement
Group life insurance often ends or changes at retirement. Exploring portable, privately-owned coverage may provide lasting protection — and in some cases may open more favorable pension payout options.
05
Making Extra Income Count
Overtime and off-duty income can be channeled into Roth IRAs, solo 401(k)s, or debt reduction — all of which can improve your overall financial position and future flexibility.
06
Maximizing Final Earning Years
Since your pension benefit may be tied to your highest earning years, the timing and volume of overtime near retirement can have long-term income implications worth understanding in advance.
Common Questions

What Firefighters Are Asking

Understanding your benefits isn't always straightforward. Here are some of the most frequent questions we hear.

Largo firefighters have multiple investment options for their DROP balance, each with different risk and return characteristics. Evaluating which option fits your timeline and income needs is an important part of DROP planning — and one of the topics we'll cover at the event.
Your pension benefit is based on a formula involving years of service and your final average compensation. Overtime earnings in your final working years can potentially increase your pension base — meaning the timing and amount of overtime near retirement can have meaningful long-term impact.
Unlike most retirement plans, the 457(b) plan does not impose the standard 10% early withdrawal penalty for distributions before age 59½ — as long as you've separated from service. This makes the 457 one of the more flexible retirement savings tools available to public employees.
In many cases, DROP funds can be rolled over into eligible accounts such as an IRA or 457 plan to continue tax-deferred growth. The specifics depend on your plan rules and distribution method. We help you understand your options and coordinate rollovers in a way that fits your overall plan.
Employer-provided group life insurance often ends or changes at retirement and may not provide the long-term coverage your family needs. Private, portable life insurance can fill that gap — and having adequate outside coverage may allow you to select a higher pension payout option at retirement.
Your pension benefit is generally paid regardless of where you reside after retirement. However, there are state tax considerations, survivor benefit rules, and rollover logistics worth reviewing based on your specific situation and destination.
Register to Attend

Join Us on March 31st

This complimentary event is designed specifically for Largo firefighters who want a clearer picture of how their pension, DROP, and 457 fit together — and how to make the most of them.

Date & TimeTuesday, March 31, 2026 at 5:30 PM
Location13220 Belcher Rd S, Suite 6, Largo, FL
 Complimentary drinks & snacks will be provided
Secure Your Spot
Space is limited. Register below — this event is kept intentionally small for personalized discussion.
★ Fill out the form below to register.

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By registering, you agree to be contacted by Base Wealth Management regarding this event. This event is for informational and educational purposes only and does not constitute personalized financial, investment, tax, or legal advice. Past performance is not indicative of future results.

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2022 Tax Document Information

As a Base Wealth Management client, you should receive your paper tax documents via mail in the coming weeks. Or, if you previously had an online account with Pershing’s NetX360, you should be able to access your 2022 tax documents through that portal. 

If not, or if you experience any issues, please reach out to Tim O’Brien (tim.obrien@intervestintl.com).

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