FRS Retirement Planning for Central Florida's Public Employees.
Helping Orange County teachers, law enforcement officers, county workers, and UCF staff navigate Florida Retirement System decisions with fee-only, fiduciary guidance.
A region with one of the largest concentrations of FRS members in the state.
Orange County alone employs tens of thousands of people through its school system, county government, sheriff's office, and fire rescue departments — nearly all enrolled in the Florida Retirement System. Add UCF faculty and staff, Seminole County workers, Osceola County employees, and the growing number of Central Florida public employees approaching DROP eligibility each year, and this region has an extraordinary number of households facing significant FRS decisions.
Pension vs. Investment Plan. DROP entry timing. Second election evaluation. Coordinating your 403(b) or 457(b) with the pension. Social Security timing. These aren't abstract concepts here — they're active decisions that thousands of Central Florida families are working through right now.
Benowitz Wealth Management is based in Altamonte Springs, at the center of this region. We serve FRS members across Orange, Seminole, Osceola, and Lake counties — and statewide — with the same fee-only, fiduciary approach we bring to every client: no commissions, no product sales, no hidden incentives.
Learn more about our approachOrlando-area public employees at every stage of their FRS journey.
Whether you're an OCPS teacher sorting through pension and 403(b) options, an Orange County deputy approaching DROP eligibility, or a UCF employee considering the second election — we've helped Central Florida public employees work through all of it.
What we help Central Florida 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 and let the numbers make the case — we don't have a preferred answer.
Learn moreDROP Planning & Timing
For eligible FRS members, DROP entry timing has a direct impact on the final accumulation. We model different 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, but your supplemental accounts — 403(b), 457(b), IRA, Roth — need to be coordinated with it. We help you align all your accounts for a coherent retirement income plan.
Learn moreRetirement Income Planning
What does a 25- or 30-year retirement actually look like? We map out the sequence of income sources — pension, Social Security, savings — and help you build a drawdown strategy that protects what you've earned.
Learn moreServing Orlando-area 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.