FRS Retirement Planning for DeBary's Public Employees.
Helping Volusia County teachers, county workers, and law enforcement officers in DeBary navigate Florida Retirement System decisions with fee-only, fiduciary guidance.
A growing Volusia County community with deep public-sector employment.
DeBary sits at the south end of Volusia County, bordering Seminole County — making it home to public employees who work in both counties. Many DeBary residents are Volusia County Schools teachers or support staff, Volusia County Government workers, or Volusia County Sheriff's Office personnel who have spent years building FRS benefits while serving the community.
The DeBary area also has residents who commute into Seminole County for state agency work, meaning some households carry FRS Investment Plan balances that need a different planning approach than the traditional pension. We help with both.
Benowitz Wealth Management serves FRS members throughout Volusia County and across the region, with fee-only, fiduciary guidance from our Altamonte Springs office: no commissions, no product sales.
Learn more about our approachDeBary public employees at every stage of their FRS journey.
Whether you teach in Volusia County, work for the sheriff's office, or carry FRS benefits through state agency employment — we help DeBary-area public employees plan confidently.
What we help DeBary-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 DeBary-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.