FRS Retirement Planning for Jacksonville's Public Employees.
Helping Duval County teachers, JSO officers, Jacksonville Fire and Rescue, and county employees navigate Florida Retirement System decisions with fee-only, fiduciary guidance.
Florida's largest city by area — and one of the state's largest FRS employer hubs.
Jacksonville is Florida's most populous city and one of the largest by land area in the continental U.S. Duval County Public Schools, the Jacksonville Sheriff's Office, Jacksonville Fire and Rescue Department, the consolidated City-County government, JEA, and dozens of state agency regional offices collectively make Jacksonville one of the highest concentrations of active FRS members in the state.
For DCPS teachers in their final decade of service, JSO officers approaching DROP, and senior county administrators managing significant deferred compensation balances alongside their pension — these decisions have major long-term consequences. A DROP election made at the wrong time, a pension payout option chosen without modeling the alternatives, or a deferred comp account left uncoordinated can cost tens or hundreds of thousands of dollars over a 30-year retirement.
Benowitz Wealth Management serves Jacksonville-area FRS members statewide with fee-only, fiduciary guidance: no commissions, no product sales, no hidden incentives.
Learn more about our approachJacksonville public employees at every stage of their FRS journey.
From DCPS teachers approaching DROP to JSO command staff with complex deferred comp — we help Duval County public employees make confident FRS decisions.
What we help Jacksonville-area FRS members work through.
Pension vs. Investment Plan
Side-by-side analysis of both FRS tracks based on your years of service, salary, and financial picture. We model both so the numbers make the decision.
Learn moreDROP Planning & Timing
For JSO, JFRD, and DCPS members approaching DROP eligibility, timing determines your final accumulation. We model entry scenarios to find your optimal window.
Learn more403(b) & 457(b) Coordination
Coordinate your supplemental accounts around your FRS pension for a coherent income strategy. Many Jacksonville public employees carry six-figure deferred comp balances that need a plan.
Learn moreRetirement Income Planning
We sequence pension, Social Security, DROP funds, and savings into a tax-efficient income plan designed to last 25 or 30 years in retirement.
Learn moreServing Jacksonville-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.