FRS Retirement Planning for Tampa's Public Employees.
Helping Hillsborough County teachers, Tampa police and fire, sheriff's deputies, and county workers navigate Florida Retirement System decisions with fee-only, fiduciary guidance.
One of Florida's largest public-sector workforces — and one of the state's biggest FRS employer concentrations.
Hillsborough County Public Schools is Florida's 4th-largest school district, with more than 28,000 employees. The Hillsborough County Sheriff's Office, Tampa Police Department, Tampa Fire Rescue, and Hillsborough County Government collectively employ tens of thousands more — all enrolled in the Florida Retirement System and all facing the same fundamental decisions: pension or Investment Plan, when to enter DROP, how to coordinate their supplemental accounts, and what a retirement paycheck actually looks like.
For senior teachers, administrators, and command-level law enforcement officers in the Tampa Bay area, the FRS pension is often one piece of a larger financial picture that includes significant 403(b) or 457(b) balances, outside investment accounts, and federal tax considerations around DROP distributions and retirement income sequencing. Getting that picture right matters.
Benowitz Wealth Management serves FRS members statewide from our Altamonte Springs office with fee-only, fiduciary guidance — no commissions, no product sales, no conflicts of interest.
Learn more about our approachTampa public employees at every stage of their FRS journey.
From HCPS teachers at Jefferson High to Tampa PD commanders approaching DROP — we help Tampa Bay public employees make confident FRS decisions.
What we help Tampa-area FRS members work through.
Pension vs. Investment Plan
A data-driven comparison of both FRS tracks based on your years of service, salary, and full financial picture. We model both options so the numbers make the decision, not guesswork.
Learn moreDROP Planning & Timing
For Tampa-area FRS members approaching DROP eligibility, entry timing directly affects your final accumulation. We model entry scenarios to identify your optimal window.
Learn more403(b) & 457(b) Coordination
Your FRS pension is a foundation — we coordinate supplemental accounts (403(b), 457(b), IRA, Roth) around it for a coherent retirement income strategy.
Learn moreRetirement Income Planning
We sequence your pension, Social Security, DROP accumulation, and savings into a tax-efficient income plan designed to last 25 or 30 years.
Learn moreServing Tampa-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.