FRS Retirement Planning for Sanford's Public Employees.
Helping Seminole County teachers, sheriff's deputies, county government workers, and state employees in Sanford navigate Florida Retirement System decisions with fee-only, fiduciary guidance.
The Seminole County seat — and one of the region's largest FRS employer hubs.
As the county seat of Seminole County, Sanford is home to the majority of Seminole County's government workforce — including the county administration, Seminole County Sheriff's Office, county courts, public works, and support services. Add Seminole County Public Schools teachers and support staff, City of Sanford employees, and the state agency workers stationed here, and Sanford has one of the largest concentrations of active FRS members in the region.
For many Sanford-area public employees, the FRS pension represents decades of service — and decisions around DROP timing, pension payout options, and income coordination are among the most consequential financial choices they'll ever make.
Benowitz Wealth Management is based in Altamonte Springs, just minutes from Sanford. We serve FRS members throughout Seminole County with fee-only, fiduciary advice: no commissions, no product sales, no conflicts of interest.
Learn more about our approachSanford-area public employees at every stage of their FRS journey.
From SCSO deputies approaching DROP to SCPS teachers weighing the pension vs. Investment Plan — we help Seminole County public employees make confident FRS decisions.
What we help Sanford-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 Sanford-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.