FRS Retirement Planning for Longwood's Public Employees.
Helping Seminole County teachers, county employees, and public workers in Longwood navigate Florida Retirement System decisions with fee-only, fiduciary guidance right in your backyard.
Our neighbor — and one of Seminole County's most established communities.
Longwood is directly adjacent to Altamonte Springs — where Benowitz Wealth Management is located. Many of our clients live in Longwood and work throughout Seminole County as teachers, sheriff's deputies, county government employees, and state agency workers. The proximity means we know this community well, and can be available for in-person conversations when clients want them.
Longwood-area public employees face the same FRS decisions as workers throughout the county: pension vs. Investment Plan, DROP entry timing, 403(b) and 457(b) coordination, and how to build a retirement income plan that covers a 25- or 30-year retirement. The FRS benefit statement doesn't make these decisions clear on its own.
We serve FRS members in Longwood and throughout Seminole County with fee-only, fiduciary guidance: no commissions, no product sales, just a clear picture of your options.
Learn more about our approachLongwood public employees at every stage of their FRS journey.
Longwood is our neighbor — we know the employers here, and we know the FRS decisions they're navigating. Let's talk.
What we help Longwood-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 Longwood-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.