FRS Retirement Planning for Winter Park's Public Employees.
Helping Orange County teachers, city employees, and law enforcement officers in the Winter Park area navigate Florida Retirement System decisions with fee-only, fiduciary guidance.
Serving one of Central Florida's most established communities.
Winter Park is home to thousands of Orange County Public Schools teachers, City of Winter Park employees, and law enforcement officers who carry Florida Retirement System benefits through careers spent serving the community. For most of them, the pension or Investment Plan they've been paying into for a decade or more is the single largest financial asset they own — and the decisions surrounding it deserve careful, independent analysis.
Whether you're an OCPS teacher at Winter Park High weighing the pension against your 403(b), a city employee approaching DROP eligibility, or a pre-retiree working out how Social Security fits in — these decisions interact in ways that aren't obvious from the FRS benefit statement alone.
Benowitz Wealth Management is based in Altamonte Springs, just a few miles from Winter Park. We serve FRS members throughout Orange County with fee-only, fiduciary guidance: no commissions, no product sales, just an honest look at your options.
Learn more about our approachWinter Park public employees at every stage of their FRS journey.
Whether you're an OCPS teacher at Lakemont or Winter Park High, a city employee approaching retirement, or a pre-retiree working out your options — we help Central Florida public employees navigate FRS decisions.
What we help Winter Park-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 Winter Park-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.