FRS Retirement Planning for Apopka's Public Employees.
Helping Orange County teachers, sheriff's deputies, fire rescue personnel, and city employees in Apopka navigate Florida Retirement System decisions with fee-only, fiduciary guidance.
One of Orange County's fastest-growing cities — and its FRS workforce.
Apopka is one of Orange County's largest cities by land area, and its public workforce has grown alongside the community. Orange County Public Schools teachers and staff, Orange County Government employees, Orange County Sheriff's Office deputies stationed at the northwest district, and Orange County Fire Rescue personnel all carry FRS benefits — and many of them face DROP decisions, pension elections, and retirement income questions in the coming years.
The City of Apopka also employs hundreds of workers directly, including Apopka PD officers in the special risk class who are among the most common candidates for DROP planning conversations.
Benowitz Wealth Management serves FRS members throughout Orange County with fee-only, fiduciary guidance from our Altamonte Springs office: no commissions, no product sales, no conflicts of interest.
Learn more about our approachApopka public employees at every stage of their FRS journey.
From OCPS teachers at Apopka High to OCSO deputies approaching DROP — we help northwest Orange County public employees make confident FRS decisions.
What we help Apopka-area FRS members work through.
Pension vs. Investment Plan
A side-by-side analysis of both FRS options based on your years of service, salary, and overall financial picture. We model both and let the numbers make the case.
Learn moreDROP Planning & Timing
For eligible FRS members, DROP entry timing directly affects your final accumulation. We model entry scenarios to find the window where DROP is genuinely optimal for your situation.
Learn more403(b) & 457(b) Coordination
Your pension is a foundation. We coordinate your supplemental accounts — 403(b), 457(b), IRA, Roth — with it for a coherent retirement income strategy.
Learn moreRetirement Income Planning
We map out the full sequence of income sources — pension, Social Security, savings — and help you build a drawdown strategy that protects what you've earned across a 25- or 30-year retirement.
Learn moreServing Apopka-area public employees — talk with a fiduciary advisor about your FRS retirement.
The first conversation is free and commits to nothing — we listen first, present options second.
Let's build the retirement you earned.
A conversation costs nothing. A clear picture of where you stand is worth everything.