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Who We Are
A Florida firm built to do fewer things, more carefully, and the founder who built it.
You shouldn’t have to translate your own pension just to get good advice.
Independent, fee-only, and built for Florida’s public employees.
Meet DerrickFRS Planning
Understand the decisions that shape your Florida Retirement System benefit.
Understanding DROP
Pension vs. Investment Plan · Guide. FRS Retirement Calculator · Tool.
Open the guidesWhat We Help With
The pieces that sit alongside your FRS benefit, and the timing decisions that come with them.
Leaving DROP: the decisions with a deadline.
Your DROP exit is a one-time decision. Make it with a plan, not a guess.
Read the DROP guideWho We Serve
Built for the people who built Florida: teachers, first responders, officers, state and county staff, and the retirees who already served.
FRS membership has more nuance than most people realize.
A short conversation usually clarifies what applies to you.
Start a ConversationGuides, webinars, checklists, and tools in plain English. Education first, no sales pitch.
Estimate your FRS retirement income in three short steps.
Pension, DROP, the Health Insurance Subsidy, and Social Security. No Social Security number, no FRS login.
Open the calculator
Two series of three, written for the people in the system. The first chapter of each is free to read online, and the whole book, as a PDF and an ebook, comes free by email. Nothing is sold.
Read them in the order they are numbered, or open the one that matches where you are. Each book says on its cover page the month it is current to.
For every FRS member: teachers, school staff, state, county and city employees.
What Florida Public Employees Need to Know Before They Retire
How your FRS benefit is actually built, from the formula and the 2011 line to the plan choice, DROP, the accounts beside the pension, and the income estimate, while the decisions are still years away.
Read chapter one freeDownload the PDF 2.3 MBEbook, EPUB 1.7 MB
Pension, DROP, Social Security, Medicare, and Income Decisions Before You Walk Out
Every permanent decision in the transition window, from benefit options and the DROP exit to rollovers, Social Security, health coverage, taxes, and the paperwork, taken slowly enough that nothing gets signed on autopilot.
Read chapter one freeDownload the PDF 2.2 MBEbook, EPUB 1.7 MB
A Florida Public Employee's Guide to Income, Taxes, Health Care, Legacy, and Life After Work
Turning the benefits you claimed into a retirement that lasts, with steady income, calm investing, a plan for the surviving spouse, and a life with purpose in it.
Read chapter one freeDownload the PDF 2.2 MBEbook, EPUB 1.7 MB
For deputies, police officers, corrections officers, firefighters and paramedics.
What Florida's Law Enforcement, Corrections, Fire, and EMS Need to Know Before They Retire
How your benefit is actually built, from the formula and the 2011 line to DROP, the accounts beside the pension, and the protections your family depends on, while the decisions are still years away.
Read chapter one freeDownload the PDF 2.5 MBEbook, EPUB 1.8 MB
Pension, DROP, Social Security, Medicare, and Income Decisions Before Your Last Shift
Every permanent decision in the transition window, from benefit options and the DROP exit to rollovers, health coverage, taxes, and the paperwork, taken slowly enough that nothing gets signed on autopilot.
Read chapter one freeDownload the PDF 2.1 MBEbook, EPUB 1.7 MB
Income, Taxes, Health Care, and Legacy for Florida's Special Risk Retirees
Turning the benefits you claimed into a retirement that lasts thirty years or more, with steady income, calm investing, a plan for the surviving spouse, and a life with purpose in it.
Read chapter one freeDownload the PDF 2.2 MBEbook, EPUB 1.7 MB
NOT AN OFFICIAL FRS PUBLICATION. These books are independent educational material published by Benowitz Wealth Management, a brand of Joy Financial Group LLC. They are not published, reviewed, approved or endorsed by the Florida Retirement System, the Division of Retirement, the State Board of Administration, MyFRS, or any government agency.
Benowitz Wealth Management is the public-facing brand of Joy Financial Group LLC, a Florida-registered investment adviser and fiduciary, CRD 331545. The books are educational and are not individualized investment, tax, legal or retirement advice.
If a chapter raises a question about your own record, you can talk it through.
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