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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.
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Plain-English explainers on the FRS decisions that cannot be undone. Sourced to statute, and free.
Four two-page sheets for the Special Risk Class, and the planning pages on the site that read the same way. Print the sheets or read them on your phone.
A Florida Retirement System guide for correctional officers and detention deputies. For state correctional and correctional probation officers, and county detention deputies, in the FRS Special Risk Class.
The same officers, at the other end of the career: the DROP window and the decisions on a deadline.
A career-stage guide for Florida correctional officers and detention deputies. For the officer who just started: what the first eight years settle, and what they leave open.
For the officer halfway there. Vesting is behind you; the date in front of you is the one to plan around.
The planning pages are written the same way: what the statute says, what it settles, and what stays open. Start with the one in front of you.
This page is educational and is not individualized advice. Benowitz Wealth Management is not affiliated with, endorsed by, or sponsored by the Florida Retirement System, the Florida Division of Retirement, or the State Board of Administration of Florida. Confirm the figures that apply to your own record at MyFRS.com or with the Division of Retirement.
If a sheet raises a question about your own record, you can talk it through.
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