FRS Retirement Planning for Miami-Dade's Public Employees.
Helping Miami-Dade teachers, law enforcement officers, county workers, and state employees navigate Florida Retirement System decisions with fee-only, fiduciary guidance.
Florida's largest concentration of FRS members — and some of the most complex retirement decisions.
Miami-Dade County Public Schools is the largest school district in Florida and one of the ten largest in the United States, with more than 60,000 employees — nearly all enrolled in the Florida Retirement System. Add Miami-Dade County government workers, MDPD and Miami-Dade Fire Rescue, FIU faculty and staff, Jackson Health System employees, and the thousands of state agency workers serving South Florida, and you have a region where FRS decisions carry enormous weight.
Pension vs. Investment Plan. DROP entry timing. Second election evaluation. HIS supplement. Coordinating your 403(b), 457(b), or Roth IRA with a pension. These aren't abstract financial concepts — they're live decisions that tens of thousands of Miami-Dade households are navigating right now, often without clear guidance.
Benowitz Wealth Management serves FRS members throughout South Florida — Miami-Dade, Broward, and Palm Beach counties — with the same fee-only, fiduciary standard we bring to every client: no commissions, no product sales, no hidden incentives. Just an honest analysis of where you stand and what your options are.
Learn more about our approachMiami-Dade public employees at every stage of their FRS journey.
Whether you're an M-DCPS teacher sorting through your pension options, a Miami-Dade officer approaching DROP eligibility, or an FIU employee weighing the second election — we've helped South Florida public employees work through all of it.
What we help Miami-Dade FRS members work through.
Pension vs. Investment Plan
A side-by-side analysis of both FRS options based on your years of service, salary, family situation, and overall financial picture. We model both scenarios honestly — including cases where switching doesn't make financial sense.
Learn moreDROP Planning & Timing
For M-DCPS teachers, MDPD officers, and other 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 household.
Learn more403(b) & 457(b) Coordination
Your pension is a foundation. Your supplemental accounts — 403(b), 457(b), IRA, Roth — need to be coordinated with it. We align all your accounts for a coherent retirement income strategy that makes sense across a 25- or 30-year retirement.
Learn moreRetirement Income Planning
We map out the full sequence of income sources — pension, Social Security, savings, and investment accounts — and help you build a drawdown strategy that protects purchasing power and covers what retirement in South Florida actually costs.
Learn moreServing Miami-Dade public employees — talk with a fiduciary advisor about your FRS retirement.
Tell us a bit about your situation. The first conversation is free and commits to nothing — we listen first and present options second.
Let's build the retirement you earned.
A conversation costs nothing. A clear picture of where you stand is worth everything.