References to the Florida Retirement System (“FRS”), its plans, forms, rules, or benefits are provided for general educational purposes only. Benowitz Wealth Management is an independent investment advisory firm and is not affiliated with, endorsed by, or sponsored by the Florida Retirement System, the State of Florida, the Division of Retirement, or any other government entity. While we strive to provide accurate and up-to-date information, FRS rules and program features may change, and official plan documents and the appropriate agencies should be consulted for current details.
Any examples are hypothetical and for illustration only. This material is not intended as individualized investment, tax, or legal advice. Clients should consult their tax and legal professionals regarding their specific situation. Investment advisory services are provided only to clients who enter into a written advisory agreement. Investing involves risk, including the potential loss of principal.
The information on this website is provided for general informational and educational purposes only and should not be construed as personalized investment, tax, legal, or accounting advice. Viewing this website, using information from it, or contacting us through this site does not create an investment adviser-client relationship. An adviser-client relationship is established only through a fully executed written advisory agreement.
Benowitz Wealth Management (“BWM,” “we,” “us,” or “our”) is an investment adviser registered with [the State of Florida and/or the U.S. Securities and Exchange Commission]. Registration does not imply a certain level of skill, training, or endorsement. We provide investment advisory services to clients only in jurisdictions where we are properly registered or exempt from registration. This website is not intended as a solicitation or offer to provide advisory services in any jurisdiction where such solicitation or offer would be unlawful.
Firm information:
Legal Name: [Joy Financial Group LLC d/b/a Benowitz Wealth Management]
When providing investment advisory services, we act as a fiduciary to our clients. This means we have a duty to provide advice we reasonably believe to be in a client’s best interest, based on the client’s objectives and circumstances, within the scope of the advisory engagement.
Additional information about our advisory services, fees, and business practices is available in our Form ADV (and, if applicable, Form CRS). These documents are available upon request and/or through the Investment Adviser Public Disclosure (IAPD) database.
All investing involves risk, including the possible loss of principal. There is no guarantee that any strategy, model, allocation, or investment recommendation will be successful or achieve any particular result. Market conditions, interest rates, inflation, taxes, and other factors may materially affect outcomes.
Any performance information referenced on this website (if provided) is not a guarantee of future results. Past performance does not guarantee future returns. If performance is shown, it may reflect reinvestment of dividends and other earnings and may not reflect the deduction of advisory fees, transaction costs, custody fees, or taxes, which would reduce returns.
Hypothetical, back-tested, or simulated performance results (if any) have inherent limitations. Such results do not reflect actual trading, may not reflect the impact of material economic and market factors, and are designed with the benefit of hindsight. No representation is being made that any account will or is likely to achieve results similar to those shown.
If this website references any public retirement plan or government-related program (including benefit options, rules, forms, or examples), such references are for general educational purposes only. We are an independent firm and are not affiliated with, endorsed by, or sponsored by any government agency or retirement system. Official plan documents and the applicable agency should be consulted for current and authoritative information, as rules and features may change.
This website and/or our social media pages may include testimonials, endorsements, or third-party ratings. To the extent any are presented:
- Testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
- Unless explicitly stated, no cash or non-cash compensation was provided in exchange for a testimonial or endorsement. If compensation was provided, we will disclose the nature of that compensation and any material conflicts of interest.
- Third-party ratings may be based on criteria and methodologies determined by the third party; such ratings are not indicative of future performance and may not reflect all client experiences.
(These disclosures are intended to align with the SEC marketing rule framework regarding testimonials/endorsements and related disclosures.)
This website may contain links to third-party websites. These links are provided as a convenience and for informational purposes only. We do not control, endorse, or take responsibility for the content, accuracy, security, or privacy practices of third-party sites.
Messages sent through this website or via email may not be secure. Please do not send sensitive personal information (such as account numbers, Social Security numbers, or passwords) through website forms or unencrypted email. If you choose to communicate with us by email or text, you acknowledge and accept the associated security risks.
We do not provide legal advice. If we discuss tax-related topics, those discussions are general in nature and not a substitute for advice from a qualified tax professional. We may coordinate with outside tax and estate planning professionals at the client’s request; however, clients should consult their own attorneys and tax advisors regarding their specific circumstances.
We strive to keep information on this website current and accurate; however, we do not guarantee that all content is complete, accurate, or up to date. We may modify or update website content at any time without notice.
Unless otherwise stated, all content on this website is owned by Benowitz Wealth Management and may not be reproduced, redistributed, or transmitted without prior written consent.
