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The firm
Who We Are
A Florida firm built to do fewer things, more carefully, and the founder who built it.
From Derrick
You shouldn’t have to translate your own pension just to get good advice.
Independent, fee-only, and built for Florida’s public employees.
Meet DerrickYour benefit
FRS Planning
Understand the decisions that shape your Florida Retirement System benefit.
- FRS Retirement PlanningThe full picture for FRS members
- DROP PlanningDecisions before & during DROP
- Pension PlanLifetime income options
- Investment PlanAccount review & allocation
- HIS PlanningHealth Insurance Subsidy
- The FRS Income Gap CalculatorWill your FRS benefit cover the bills?
Start here
Understanding DROP
Pension vs. Investment Plan · Guide. The FRS Income Gap Calculator · Tool.
Open the guidesAround the pension
What We Help With
The pieces that sit alongside your FRS benefit, and the timing decisions that come with them.
- Social SecurityFiling strategy & coordination
- Medicare EducationEducation, not enrollment
- Deferred Compensation457(b) & 403(b) coordination
- Retirement Income PlanningTurning savings into paychecks
- Portfolio ManagementThe one advisory service, described
Current focus
Leaving DROP: the decisions with a deadline.
Your DROP exit is a one-time decision. Make it with a plan, not a guess.
Read the DROP guideBy career, by stage
Who We Serve
Built for the people who built Florida: teachers, first responders, officers, state and county staff, and the retirees who already served.
- TeachersEducators & school district staff
- First RespondersFire, EMS, paramedics
- Law EnforcementSpecial Risk class members
- Corrections OfficersSpecial Risk, in a facility
- State & County EmployeesRegular class members
- RetireesAlready retired or close to it
- Pre-RetireesFive to ten years out
Not sure where you fit?
FRS membership has more nuance than most people realize.
A short conversation usually clarifies what applies to you.
Start a ConversationBenowitz Learning Center
Guides, webinars, checklists, and tools in plain English. Education first, no sales pitch.
- GuidesPlain-English explainers
- WebinarsLive & on-demand
- ChecklistsWhat to do, when
- Free BooksSix books on the FRS
- ArticlesLatest from our adviser
- The FRS Income Gap CalculatorWill your FRS benefit cover the bills?
- Investing BasicsThe building blocks, explained simply
- BlogPosts from Derrick Johnson
- All resourcesGuides, webinars, checklists, books, and tools
Start with a number
Estimate your FRS retirement income in three short steps.
Pension, DROP, the Health Insurance Subsidy, and Social Security. No Social Security number, no FRS login.
Open the calculator