FRS Retirement Planning for Oviedo's Public Employees.
Helping Seminole County teachers, sheriff's deputies, and public employees in Oviedo navigate Florida Retirement System decisions with fee-only, fiduciary guidance.
A growing Seminole County community with a large public workforce.
Oviedo has grown rapidly over the past two decades, and with that growth has come a large population of Seminole County Public Schools teachers and administrators — many of whom teach at Oviedo High School, Hagerty High School, and surrounding campuses while carrying significant FRS pension benefits into approaching retirement.
Seminole County Sheriff's Office deputies patrol the east district out of Oviedo, and the City of Oviedo employs hundreds of workers directly. For many of these public employees, the FRS benefit is the centerpiece of their retirement picture — and decisions about DROP timing, plan elections, and income coordination deserve careful attention.
Benowitz Wealth Management serves Oviedo-area FRS members from our Altamonte Springs office with fee-only, fiduciary guidance: no commissions, no product sales.
Learn more about our approachOviedo public employees at every stage of their FRS journey.
From SCPS teachers at Hagerty to SCSO deputies at the east district — we help Oviedo-area public employees make confident FRS decisions.
What we help Oviedo-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 Oviedo-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.