A Florida firm built to do fewer things, more carefully.
Benowitz Wealth Management helps FRS members, retirees, and families make informed decisions about retirement income, investments, DROP funds, Social Security, Medicare, and long-term financial planning.
Your goals become
the foundation of the plan.
Every plan we build starts with a simple question: what does your retirement actually need to do? Not what's typical, not what worked for someone else — what does it need to do for you, given your FRS benefit, your timeline, your family, your accounts, and what you want the next chapter to look like.
We begin by listening. The first meeting is rarely about investment returns or product menus — it's about getting a full picture of where you are, what decisions are coming, and what you're hoping to figure out.
- Deep FRS expertise — not generic planning applied to a pension
- Fee-only fiduciary standard
- Education-first approach — we explain before we recommend
- No insurance products sold
- Florida-focused, virtual-first delivery
A process built around
your decisions, not ours.
Understand
We begin by understanding your full financial picture. Your FRS benefit statement, your deferred comp and savings accounts, your Social Security estimate, your retirement timeline, and what you're hoping the next chapter looks like. Everything starts here.
Plan
We help you organize your retirement decisions into a clear, written plan — pension options, DROP timing, Social Security filing windows, deferred comp coordination, and a monthly income projection built around your actual life. Not a generic template.
Guide
As your life and priorities change, your plan may need to change too. We stay alongside you — revisiting the plan, updating projections, and helping you navigate decisions as they arrive. A plan on a shelf isn't a plan.
Transparency at every step.
From the first conversation to ongoing guidance, here's what working with Benowitz Wealth Management looks like.
We explain your options in language that makes sense — not industry jargon or compliance-speak.
A written plan, a calendar of decisions, and a clear monthly income projection you can actually use.
We are legally and ethically obligated to act in your interest. That's not a tagline — it's how fee-only advising works.
Questions get real answers, not voicemail loops. We aim to respond within one business day.
When we manage investments, the allocation is built around what the portfolio needs to do — not a one-size model.
We work alongside your CPA, estate attorney, and Medicare specialist so nothing falls between the cracks.
We explain your options before recommending anything. You understand what you're deciding and why.
We don't sell insurance. We don't earn commissions. A first conversation is just a conversation.
A fiduciary standard that
puts clients first.
As a fee-only, fiduciary advisory firm, Benowitz Wealth Management is committed to providing advice that is aligned with each client's goals — not with any product, commission, or revenue arrangement. We are compensated by our clients for our advice, not by third parties for recommendations. This structure removes the incentives that can compromise the advice you receive at firms that earn commissions or referral fees.
Read Our Full Disclosures →Let's start a conversation.
A first meeting is easy — and it costs nothing. Tell us about your situation and we'll take it from there.