Legal Information & Disclosures

Last updated: June 2026

This page contains important regulatory disclosures, website terms, privacy practices, and information about how Joy Financial Group LLC, doing business as Benowitz Wealth Management ("Benowitz Wealth Management," "we," "our," or "us") collects, uses, protects, and handles information submitted through this website. Please take a moment to read it. By using this website, you acknowledge that you have reviewed these disclosures and understand how we approach information, communications, and the educational content we provide.

If you have any questions about anything on this page, we welcome the conversation — please reach out using the contact information at the bottom.

01Registration and General Disclosure

Joy Financial Group LLC, doing business as Benowitz Wealth Management, is an investment adviser registered with the State of Florida.

Registration as an investment adviser does not imply any certain level of skill, training, or expertise, and it does not constitute an endorsement or approval of the firm by any securities regulator or government agency.

This website does not represent an offer of, or a solicitation for, advisory services in any state or jurisdiction where Benowitz Wealth Management is not registered, notice filed, or otherwise exempt from registration. Nothing on this website is directed at, or intended for, any person in a jurisdiction where such an offer or solicitation would be unlawful.

The information on this website is provided for general educational and informational purposes only. It should not be treated as individualized investment, tax, legal, insurance, retirement, or accounting advice, and it should not be relied upon as the sole basis for any financial decision.

Advisory services are provided only through a written advisory agreement, and only after we have had the opportunity to understand your circumstances and have determined that our services are appropriate for you. No advisory relationship is formed by visiting this website, submitting a form, downloading a resource, or communicating with us before an agreement is signed.

02Privacy Policy

Our Commitment to Privacy

Benowitz Wealth Management respects the privacy of every client and prospective client, and we are committed to protecting the personal and financial information you choose to share with us. We understand that the information you provide — particularly information about your retirement, your benefits, and your financial life — is personal, and we treat it that way.

This Privacy Policy explains what information we may collect, how we may collect and use it, how we approach the third-party tools that help us serve you, and the choices available to you.

Information We May Collect

Depending on how you interact with us and our website, we may collect information that can include:

• Name
• Email address
• Phone number
• Mailing address
• Employer, agency, or public-sector role
• Retirement system information
• FRS Pension Plan, FRS Investment Plan, DROP, 403(b), 457(b), IRA, Social Security, Medicare, tax, or financial planning information you choose to share
• Appointment-request and scheduling information
• Documents you upload, if and when an upload option is provided
• Financial goals, retirement concerns, planning questions, or other details you submit
• Website usage data, including cookies, device and browser data, IP address, analytics data, and lead-source data

We may collect similar categories of information through future forms, calculators, webinars, checklists, ebook and guide downloads, appointment and intake forms, and other tools we may add to the website over time. We aim to collect only the information that is reasonably necessary for the purpose at hand.

How We Collect Information

We may collect information when you:

• Fill out a form on our website
• Schedule a consultation or appointment
• Download a checklist, ebook, guide, or webinar resource
• Register for a webinar or event
• Subscribe to our emails or newsletters
• Complete an intake form
• Use a calculator or other interactive tool
• Contact us by phone, email, website form, or a third-party scheduling tool

We may also collect certain information automatically as you browse the website, through cookies and similar technologies described in Section 8.

Third-Party Forms, Vendors, and Service Providers

To operate our website and serve our clients and prospective clients, Benowitz Wealth Management may use third-party technology providers to help collect, transmit, store, process, or deliver information submitted through this website.

These providers may fall into categories such as:

• Website form providers
• Customer relationship management (CRM) platforms
• Email marketing platforms
• Scheduling and calendar platforms
• Webinar and event platforms
• Cloud storage providers
• Website hosting providers
• Compliance and recordkeeping tools
• Analytics providers
• Marketing automation tools

The third-party providers we currently use include, among others:

• Web3Forms — processes and delivers submissions from our website contact and request forms. Information you enter into a form (such as your name, email address, phone number, and message) is transmitted through Web3Forms so that it can be emailed to us. Web3Forms processes this information in accordance with its own Privacy Policy.
• Google Analytics (Google LLC) — helps us understand how visitors use our website. See Section 8 and the Google Privacy Policy.
• Meta Pixel (Meta Platforms, Inc.) — supports website analytics and advertising measurement. See Section 8 and the Meta Privacy Policy.

This list may change from time to time as we add, replace, or discontinue providers.

A few important points about how we approach these providers:

• These third parties may receive and process information on our behalf in order to provide their services to us.
• We do not sell your personal information.
• We seek to work with service providers that maintain reasonable privacy and security practices, although we do not control and cannot guarantee their systems.
• Information you submit through a third-party form or tool may also be subject to that provider's own privacy policy and terms of use, in addition to this Privacy Policy.
• Please avoid submitting highly sensitive information through general website forms unless we have specifically requested it through a secure process (see Section 4).
• If you need to share sensitive documents or account information, please contact us first and we will provide secure submission instructions.

How We Use Information

We may use the information we collect to:

• Respond to your inquiries and requests
• Schedule and prepare for consultations
• Provide financial planning and investment advisory services
• Send resources, materials, or information you have requested
• Register you for webinars or events
• Maintain accurate records
• Meet our regulatory, compliance, and recordkeeping obligations
• Operate, maintain, and improve our website and your experience on it
• Communicate with clients and prospective clients
• Share educational content and firm updates, where permitted by law
• Help detect, prevent, and respond to fraud, unauthorized access, or misuse

Information We Do Not Sell

Benowitz Wealth Management does not sell your personal information or client information. We do not trade, rent, or otherwise transfer your personal information to third parties for their own independent marketing purposes.

Information Sharing

We may share information only as permitted or required by law, and generally only as needed to operate our firm and serve you. This may include sharing information with:

• Custodians
• Technology service providers that support our operations
• Compliance consultants
• Attorneys, accountants, tax professionals, estate professionals, or other professionals you have authorized us to coordinate with
• Regulators or government agencies
• Other parties when reasonably necessary to comply with applicable law, legal process, a regulatory examination, or a legitimate client service need

We do not share your information for unrelated outside marketing purposes.

03Handling of PII, PPI, and Nonpublic Personal Information

We recognize that much of the information you share with us is personally identifiable information, private personal information, and nonpublic personal information — including details about your identity, your finances, and your retirement benefits. We take the handling of this information seriously.

To help protect this information, we maintain reasonable administrative, technical, and physical safeguards that are designed to guard against unauthorized access, misuse, alteration, or disclosure. Our approach includes:

• Limiting access to personal information to those who need it to perform their roles or services
• Using secure systems and tools where appropriate
• Permitting employee and vendor access only when reasonably necessary for a legitimate business or service purpose
• Maintaining confidentiality expectations for those who handle personal information on our behalf
• Reviewing and updating our procedures from time to time as appropriate
• Disposing of or deleting information through reasonable means when it is no longer needed, subject to our regulatory recordkeeping obligations

No set of safeguards can eliminate every risk, but we are committed to handling your information thoughtfully and responsibly.

04Sensitive Information Warning for Website Forms

Please do not submit Social Security numbers, full account numbers, driver's license numbers, passwords, full tax returns, medical records, or other highly sensitive information through general website forms, unless we have specifically provided you with a secure method for doing so.

General website forms are well suited for appointment requests, general questions, and basic planning information. They are not intended for the transmission of highly sensitive personal or financial information.

When the time comes to share sensitive documents or account details, please contact us and we will provide an approved, secure channel for that purpose.

05Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect the personal information you share with us. We also expect the third-party service providers we work with to maintain appropriate safeguards of their own.

At the same time, it is important to understand that no website, email system, form tool, or method of online transmission or electronic storage can be guaranteed to be completely secure. As a result, we cannot guarantee the absolute security of information transmitted to or from our website.

Please use caution when submitting information online, and avoid sharing highly sensitive information except through channels we have approved for that purpose. If you believe that information was submitted in error, or that your information may have been compromised, please contact us promptly so we can assist.

06Data Retention and Disposal

We may retain personal information for as long as reasonably necessary to:

• Respond to your inquiries and requests
• Provide our services
• Meet our legal, compliance, and regulatory recordkeeping requirements
• Resolve disputes and enforce our agreements
• Maintain accurate business records
• Comply with applicable laws

When personal information is no longer needed for these purposes, we may securely delete, destroy, anonymize, or archive it through reasonable means, subject to applicable legal and regulatory requirements that may require us to retain certain records for defined periods.

07Incident Response and Breach Notification

We maintain procedures that are designed to help us respond to suspected unauthorized access to, or misuse or disclosure of, personal information.

If we determine that notification is required under applicable law or regulation following such an event, we will provide notice as and when required.

In responding to a suspected incident, we may also work with technology vendors, legal counsel, compliance professionals, regulators, or law enforcement, as we consider appropriate under the circumstances.

08Website Cookies, Analytics, and Tracking Technologies

Our website uses cookies and similar tracking technologies to support its functionality, understand how visitors use the site, and improve the experience we provide. Depending on the features in use, these technologies may include:

• Cookies and similar device or browser identifiers
• Pixels and similar tags
• Analytics tools, including Google Analytics (GA4), which help us understand how the website is used
• Advertising, measurement, and retargeting tools, including the Meta Pixel, where applicable
• Website performance and usage tracking
• Lead-source tracking

These technologies may collect information such as your IP address, device and browser type, pages viewed, links clicked, the website or source that referred you, and similar usage data. Some of this information may be shared with the analytics and advertising providers named above, who process it in accordance with their own privacy policies (see Section 2).

Your Cookie Choices and Consent

When you first visit our website, you may be presented with a cookie consent banner that lets you accept or decline non-essential cookies and similar technologies, such as analytics and advertising cookies. Cookies that are strictly necessary for the website to function are not subject to this choice. You can change or withdraw your consent at any time through the cookie settings made available by that banner or tool.

You may also adjust your browser settings to limit or block cookies, or to alert you when cookies are being used. In addition, you can opt out of certain analytics and advertising cookies directly through the providers — for example, by using the Google Analytics Opt-out Browser Add-on or by adjusting your Meta ad preferences. Please note that if you disable or decline certain cookies, some features of the website may not function properly.

Some browsers offer a "Do Not Track" signal. Because there is not yet a common industry standard for how to interpret these signals, our website may not respond to them at this time.

09Email, SMS, and Marketing Communications

If you sign up for our emails, download a resource, register for a webinar, or submit a form, we may contact you using the information you provide.

These communications may include appointment follow-up, resources or materials you requested, educational content, reminders, and updates about our firm. Where applicable, you may unsubscribe from marketing emails at any time by following the instructions included in those messages or by contacting us directly.

We will only send text (SMS) messages where you have consented or have provided your number for that purpose, and you may opt out of text messages at any time. Message and data rates may apply.

We do not use email or text messages to provide individualized investment advice except within an appropriate, established advisory relationship.

10Third-Party Links and External Websites

Our website may contain links to third-party websites, tools, custodians, regulators, calendars, webinar platforms, or other resource providers, offered for your convenience and information.

Benowitz Wealth Management does not control, and is not responsible for, the content, privacy policies, data practices, or security of any third-party website or service. A link from our website does not constitute an endorsement of the linked site or its operator.

We encourage you to review the privacy policies and terms of use of any third-party website or service you choose to use.

11Investment Adviser Status

Benowitz Wealth Management is a registered investment adviser. Registration does not imply any certain level of skill or training.

You can find additional information about our firm, including our Form ADV, through the SEC's Investment Adviser Public Disclosure (IAPD) website. We encourage you to review these materials.

• Form ADV: View Form ADV
• Investment Adviser Public Disclosure (IAPD): Search our firm on IAPD

12No Affiliation with FRS or the State of Florida

Benowitz Wealth Management is an independent, privately owned firm. We are not affiliated with, endorsed by, or in any way officially connected with:

• The Florida Retirement System (FRS)
• The Florida Department of Management Services
• The Division of Retirement
• The State Board of Administration of Florida
• The State of Florida
• Any Florida state agency, public employer, school district, law enforcement agency, fire department, or other government employer

unless such a relationship is expressly stated in a written, approved arrangement.

All references on this website to FRS, DROP, the Pension Plan, the Investment Plan, the Health Insurance Subsidy (HIS), 403(b) or 457(b) plans, Social Security, Medicare, or other public employee benefits are provided for general educational purposes only. The names of these programs and agencies are used solely to describe and explain the topics we help our clients navigate.

13Scope of Services

Benowitz Wealth Management provides investment advisory and financial planning services.

We do not provide legal, tax, Medicare, insurance, or accounting advice. Tax, legal, estate, Medicare, and insurance-related services should be handled by qualified, independent professionals who specialize in those areas.

At your request, we are glad to coordinate with your other professionals — such as your attorney, accountant, or tax preparer — to help support a more cohesive overall plan.

14Investment Risk Disclosure

Investing involves risk, including the possible loss of principal. Before making any investment decision, it is important to understand the following:

• Past performance does not guarantee future results.
• No investment strategy can guarantee a profit or protect fully against loss.
• Asset allocation, diversification, rebalancing, and risk management techniques do not guarantee success and cannot eliminate the risk of loss.
• Market conditions, interest rates, inflation, tax and policy changes, and your personal circumstances can all affect investment outcomes.

There is no assurance that any investment strategy or approach will achieve its intended objectives.

15Educational Content and Calculators

Our website may offer calculators, guides, webinars, checklists, articles, videos, and other downloadable or interactive resources. These materials are provided for general educational purposes only.

Please keep the following in mind:

• They are based on assumptions and estimates that may not reflect your actual situation.
• They are not personalized recommendations or advice.
• Results and examples are hypothetical and are intended to illustrate concepts, not to predict outcomes.
• You should not make financial decisions based solely on website content or calculator outputs.

Formal, individualized advice requires a direct advisory relationship and a review of your full circumstances. We would be happy to provide that through a conversation.

16Testimonials, Endorsements, and Marketing

If testimonials, reviews, endorsements, ratings, or third-party comments appear on this website or in our marketing materials, please understand that they may not represent the experiences of all clients and are not a guarantee of future results or investment success. Individual experiences vary.

Where required, we will disclose any cash or non-cash compensation provided, as well as any material conflicts of interest or material arrangements relating to a testimonial or endorsement.

17Forward-Looking Statements

Certain statements on this website may constitute forward-looking statements, including statements about future events, market conditions, or potential outcomes. Such statements are subject to risks, uncertainties, and assumptions, and actual results may differ materially from those expressed or implied. Benowitz Wealth Management undertakes no obligation to update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise.

18User Rights and Contact Requests

Subject to applicable law and our regulatory recordkeeping obligations, you may contact us to:

• Update your contact information
• Correct inaccurate personal information
• Ask questions about our privacy practices
• Request removal from our marketing lists
• Ask how your information is used

We will make reasonable efforts to respond to and honor appropriate requests. Please note that certain information may need to be retained to meet legal, compliance, and regulatory requirements even after a request is made.

19Contact Information

If you have questions about these disclosures, our privacy practices, or how your information is handled, please contact us:

Joy Financial Group LLC d/b/a Benowitz Wealth Management
Website: https://benowitzwealth.com
Address: Altamonte Springs, FL
Phone: (407) 637-4972
Compliance/Privacy Email: info@benowitzwealth.com

20Updates to This Page

We may update this page from time to time to reflect changes in our practices, our technology, or applicable laws and regulations. When we do, we will post the revised version on this website along with an updated date below. We encourage you to review this page periodically.

Last updated: June 2026

---

© 2026 Joy Financial Group LLC d/b/a Benowitz Wealth Management. All rights reserved.