Benowitz Wealth Management helps FRS members, retirees, and families make informed decisions about retirement income, investments, DROP funds, Social Security, Medicare, and long-term financial planning.
Every plan we build starts with the same question: what does your retirement actually need to do? We begin by understanding your retirement timeline, FRS benefits, DROP decisions, income needs, family priorities, risk comfort, tax situation, and long-term goals. Those answers shape everything that follows — the portfolio, the income strategy, the timing of Social Security and Medicare, and the conversations we have year after year.
A structured, three-step approach — built around your life, not a product menu.
We begin by understanding your full financial picture — your FRS benefits, pension options, DROP timeline, investment accounts, income needs, family goals, and the concerns that brought you here.
We help organize your retirement decisions into a clear plan that may include retirement income strategy, investment management, tax-aware planning, Social Security timing, Medicare coordination, and estate planning support.
As your life changes, your plan may need to change too. We provide ongoing guidance, regular reviews, and clear communication so you always know where things stand and what may need attention.
Trust is built through clarity. That’s why we believe in straightforward communication, plain-English explanations, and proactive guidance throughout the relationship.
Our goal is to help you understand what you own, why you own it, how your plan is structured, and what decisions may need attention over time. If something isn’t clear, we’ll explain it again — in a different way if we need to.
As fiduciary advisors, we are committed to providing advice aligned with each client’s goals, circumstances, and best interests within the scope of our advisory relationship.
We do not earn commissions from product manufacturers, and we do not have sales quotas.
Our recommendations are driven by what fits your plan — not by what generates a higher payout for us.
We believe financial guidance should be clear, thoughtful, and centered on the people we serve.
Investment decisions should connect to the larger retirement plan — not exist as a separate exercise. We help clients build and manage portfolios based on their goals, income needs, time horizon, risk comfort, and long-term financial priorities.
Investing involves risk, including the possible loss of principal. Past performance is not a guarantee of future results.
FRS members often have retirement decisions that go well beyond a traditional investment account. Our approach helps bring the moving parts together into one organized plan.
Understanding plan structure, option elections, timing, and how each choice affects long-term income.
Entry timing, in-program decisions, lump-sum handling at exit, and rollover strategy.
Pension, Social Security, Medicare, 457(b), 403(b), and IRA decisions — coordinated as one plan.
Explanations you can actually use, not financial jargon.
Pension, DROP, investments, and income — coordinated, not siloed.
Recommendations aligned with your goals, not product commissions.
Regular reviews and proactive updates throughout the relationship.
Portfolios built around your life, not a one-size-fits-all model.
Coordination with your CPA, attorney, and Medicare advisor when appropriate.
Decisions made by clients who understand the ‘why’ behind them.
Conversations that respect your time, your service, and your decisions.
Whether you’re preparing for retirement, entering DROP, leaving DROP, or already retired, we can help you review your options and think through the decisions ahead.
