FRS Retirement Planning for Maitland's Public Employees.
Helping Orange County teachers, state agency workers, and public employees in Maitland navigate Florida Retirement System decisions with fee-only, fiduciary guidance.
An established Orange County community with strong public-sector ties.
Maitland sits between Winter Park and Altamonte Springs, and its residents include a large number of Orange County Public Schools teachers and administrators, state agency workers, and Orange County Government employees. Many Maitland residents have spent 15 or 20 years in public service and are approaching the most consequential FRS decisions of their careers.
The City of Maitland is also home to several Florida state agency regional offices, meaning a portion of the working population carries FRS Investment Plan benefits that require different planning than a straight pension — account allocation, distribution sequencing, and deferred comp coordination all matter here.
Benowitz Wealth Management serves Maitland-area FRS members from our Altamonte Springs office, just a few miles away, with fee-only, fiduciary guidance: no commissions, no product sales.
Learn more about our approachMaitland public employees at every stage of their FRS journey.
From OCPS teachers at Maitland Middle to state agency workers on the Investment Plan — we help Orange County public employees navigate FRS decisions.
What we help Maitland-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 Maitland-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.