Retirement provides the opportunity to shape your lifestyle according to your interests, dreams, and goals. For Florida Retirement System (FRS) participants, particularly those exiting the Deferred Retirement Option Program (DROP), this newfound flexibility may provide an opportunity to consider new aspects of retirement planning. Whether you’re eager to travel, dive into lifelong learning, or pursue personal development, this stage of life can be a time of discovery, adventure, and growth. 

With thoughtful planning, your retirement years can be some of the most rewarding, filled with experiences that broaden your horizons and enhance your quality of life. 

The Joy of Travel in Retirement 

For many retirees, travel is at the top of their bucket list — and for good reason. Retirement allows you to visit destinations you’ve always dreamed of without the constraints of work schedules or limited vacation time. 

Benefits of Traveling in Retirement 

• Creating lasting memories with loved ones. 

• Experiencing new cultures, cuisines, and landscapes. 

• Expanding your perspective and enriching your sense of adventure. 

Types of Travel to Consider 

• Domestic Travel: Explore hidden gems across Florida and the United States. 

• International Travel: Visit places you’ve always wanted to see — from European capitals to tropical retreats. 

• Theme-Based Trips: Take culinary tours, historical journeys, or nature-focused excursions. 

• Group Travel: Join travel groups tailored to retirees for social interaction and shared experiences. 

No matter your budget or travel style, there are ways to make exploring new horizons in retirement both accessible and rewarding. 

Lifelong Learning: Expanding Your Knowledge at Any Age 

Retirement is also the perfect time to embrace lifelong learning. Whether you want to develop a new skill, revisit a subject you’ve always enjoyed, or challenge yourself with something completely different, learning opportunities abound. 

Popular Learning Options 

• Community College or University Classes: Many schools offer free or discounted courses for retirees. 

• Online Learning Platforms: Explore thousands of courses in subjects ranging from history to technology to creative writing. 

• Local Workshops and Seminars: Art classes, gardening workshops, and cooking demonstrations are great ways to learn and connect with others. 

Benefits of Lifelong Learning 

• Keeps your mind sharp and engaged. 

• Provides a sense of accomplishment and purpose. 

• Opens doors to new hobbies and passions. 

Personal Growth and Self-Discovery 

Retirement isn’t just about filling your time — it’s about personal growth and rediscovering what brings you joy and fulfillment. Exploring new horizons in retirement can mean: 

• Rediscovering creative passions like painting, photography, or writing. 

• Volunteering in areas you’re passionate about, such as education, the environment, or animal welfare. 

• Joining interest-based clubs or groups to meet like-minded people. 

• Exploring mindfulness practices like yoga, meditation, or journaling. 

Benefits of Personal Growth in Retirement 

• Helps you maintain a sense of purpose. 

• Allows you to continue evolving and adapting to life’s changes. 

• Strengthens your confidence and sense of identity outside of work. 

The Role of Health and Wellness in Exploring New Horizons 

To fully embrace travel, learning, and personal growth, it’s important to prioritize your health and wellness. A balanced approach to physical and mental health supports your ability to stay active and pursue new experiences. 

Health Tips for an Active Retirement 

• Stay physically active through walking, swimming, or group fitness classes. 

• Maintain preventive care by scheduling regular health check-ups. 

• Prioritize mental health with social engagement, lifelong learning, and creative outlets. 

• Plan for healthcare costs with strategies to cover unexpected medical expenses or long-term care needs. 

Good health is the foundation that allows you to fully enjoy your retirement adventures. 

Combining Retirement Planning with Lifestyle Goals 

Your DROP benefits and pension income can help support your exploration of new horizons in retirement. By aligning your retirement plan with your personal goals, you can make confident decisions about how to allocate your resources. 

Key Financial Considerations 

• Set aside funds specifically for travel and educational pursuits. 

• Use your DROP payout to fund bucket list experiences. 

• Create a spending plan that balances day-to-day needs with long-term goals. 

• Explore ways to generate additional income through hobbies, consulting, or part-time work if desired. 

Working with a financial professional familiar with FRS and DROP can help ensure your retirement funds are aligned with your vision for the future. 

How BENCOR Helps You Prepare for Life After DROP 

At BENCOR, we believe retirement is about more than just retirement planning — it’s about living the retirement you’ve imagined. We help Florida public employees navigate their DROP participation and prepare for life beyond work by offering personalized guidance on: 

• Managing your DROP payout to fund travel, hobbies, or educational goals. 

• Aligning your retirement income plan with your lifestyle aspirations. 

• Incorporating healthcare, long-term care, and personal growth into your overall financial strategy. 

With nearly 30 years of experience serving FRS participants, BENCOR offers tools and resources to help you create the retirement you deserve. 

Final Thoughts on Exploring New Horizons in Retirement 

Retirement offers a unique opportunity to explore new interests, visit new places, and invest in personal growth, while also considering your individual circumstances and preferences. By embracing travel, lifelong learning, and self-discovery, you can create a rich, fulfilling retirement filled with experiences that reflect who you are and what you value. 

If you’re ready to see how your DROP benefits and retirement savings can support your exploration of new horizons in retirement, we can help. For personalized advice and in-depth planning, please schedule a free consultation with our team at BENCOR DROP support. We look forward to hearing from you!