FRS Retirement Planning for Deltona's Public Employees.
Helping Volusia County teachers, sheriff's deputies, and county workers in Deltona navigate Florida Retirement System decisions with fee-only, fiduciary guidance.
Volusia County's largest city — with a large FRS-active workforce.
Deltona is the largest city in Volusia County by population, and it's home to thousands of Volusia County Schools teachers, county government employees, and Volusia County Sheriff's Office personnel. Many Deltona residents commute to county schools, the county government complex, and the VCSO to serve a growing community — all while building FRS benefits they'll rely on in retirement.
Volusia County teachers in particular face the same decisions as their counterparts across Florida: pension vs. Investment Plan, 403(b) coordination, and DROP timing. For Deltona teachers who've spent 15 or 20 years in Volusia County schools, these decisions are arriving now.
Benowitz Wealth Management serves FRS members statewide, including throughout Volusia County. We provide fee-only, fiduciary guidance: no commissions, no product sales, just an honest look at your FRS options.
Learn more about our approachDeltona public employees at every stage of their FRS journey.
From VCS teachers at Deltona High to VCSO deputies — we help Volusia County public employees make confident FRS decisions.
What we help Deltona-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 Deltona-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.