FRS Retirement Planning for Boca Raton's Public Employees.
Helping Palm Beach County teachers, FAU staff, sheriff's deputies, and county employees in Boca Raton navigate FRS decisions and high-income retirement planning with fee-only, fiduciary guidance.
High-income public employees in Palm Beach County face a different retirement planning problem.
The Palm Beach County School District is Florida's 5th-largest school district, and many of its teachers and administrators live in Boca Raton — one of Florida's highest-income zip codes. Add Florida Atlantic University faculty and staff, Palm Beach County Sheriff's Office deputies, and county government workers, and the Boca Raton area has a significant population of FRS-enrolled public employees who also carry substantial outside wealth: large 403(b) balances, deferred compensation accounts, investment portfolios, and in many cases significant home equity.
For these households, FRS planning is only one layer. Federal tax management — how pension income, DROP distributions, Social Security, and deferred comp interact in a high-bracket retirement — is the other. Florida's lack of a state income tax is an advantage, but it doesn't eliminate federal bracket exposure. Getting the sequencing right matters.
Benowitz Wealth Management serves FRS members across Palm Beach County with fee-only, fiduciary guidance: no commissions, no product sales, no conflicts of interest.
Learn more about our approachBoca Raton public employees — and high earners with complex FRS pictures.
From PBCSD teachers at Boca Raton HS to FAU staff on the Investment Plan — we help Palm Beach County public employees build tax-efficient retirement plans.
What we help Boca Raton-area FRS members work through.
Pension vs. Investment Plan
A data-driven FRS comparison that accounts for outside wealth — in Boca Raton, the right choice often depends on what else you own, not just your years of service.
Learn moreDROP Planning & Tax Management
DROP distributions are fully taxable. For high-earning Palm Beach County public employees, managing the tax impact of a large DROP lump sum is often the first planning priority.
Learn moreDeferred Comp & Roth Strategy
Boca Raton public employees often retire with large 457(b) and 403(b) balances. We build drawdown strategies that sequence distributions to manage federal bracket exposure.
Learn moreIRMAA & Medicare Planning
High combined income from pension, Social Security, and account distributions can trigger IRMAA surcharges. We plan retirement income around these thresholds from day one.
Learn moreServing Boca Raton-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.