--- title: "Start A Conversation" description: "Let’s Start a Retirement Conversation Whether you’re getting ready to retire, already in DROP, still building your FRS benefits, or simply want a clearer plan — Benowitz Wealth Management is here to help you understand your options and make informed financial decisions. Independent fiduciary guidance for Florida public employees, FRS members, and retirees. We work […]" url: "https://benowitzwealth.com/home/start-a-conversation/" date_modified: "2026-06-03T12:17:36-04:00" --- # Let's Start a Retirement Conversation Whether you’re getting ready to retire, already in DROP, still building your FRS benefits, or simply want a clearer plan — Benowitz Wealth Management is here to help you understand your options and make informed financial decisions. --- ## Independent fiduciary guidance for Florida public employees, FRS members, and retirees. --- We work with Florida public employees and retirees who want clear, unbiased planning around retirement income, pensions, DROP, 457(b), 403(b), IRA rollovers, investment management, and long-term planning. --- ## We're Ready When You Are Have questions about your FRS Pension, DROP, or retirement options? Complete the form below, and a Benowitz Wealth Management advisor will follow up with you within 48 hours. --- First Name Last Name Email Address Phone Number ZIP Code Preferred City / County How would you prefer we contact you? Email Phone Call Text Message Video Call Which best describes you? (select all that apply) FRS Pension Plan Member FRS Investment Plan Member Currently in DROP Within 5 Years of Retirement Already Retired Educator / School Employee First Responder Correction Officer State Employee County or Municipal Employee Not Sure / Need Help Understanding My Benefits What would you like help with? (select all that apply) FRS Pension Planning DROP Planning Investment Plan Review 457(b) Review 403(b) Review IRA Rollover Questions Retirement Income Planning Social Security Planning Medicare / Health Insurance Timing Tax-Aware Withdrawal Planning Investment Management Second Opinion on My Current Plan Estate Planning Coordination General Retirement Questions When are you hoping to make a decision or take the next step? As Soon As Possible Within 30 Days Within 3 Months Within 6–12 Months I'm Just Gathering Information How did you hear about Benowitz Wealth Management? Google Search Facebook or Instagram YouTube Podcast Referral from a Friend or Coworker Event / Workshop FRS Retirement Resource or Ebook What motivated you to reach out, and what would you like help understanding? I consent to receive communications from Benowitz Wealth Management. By submitting this form, you agree that Benowitz Wealth Management may contact you by email, phone, or text about your inquiry. Message and data rates may apply. Reply STOP to opt out of texts or HELP for help. Consent is not required to receive advisory services. Submit My Request ## What Happens Next? --- A clear, simple process — no pressure, no obligation, no surprises. ## 01 ### We Review Your Request We look at the information you shared so we can better understand your situation and what type of guidance may be helpful. ## 02 ### We Start With a Conversation We’ll contact you using your preferred method to answer questions and determine whether a planning conversation makes sense. ## 03 ### You Get Clear Next Steps If appropriate, we’ll help you understand your options and outline next steps for your retirement plan. --- ## Retirement Guidance for Florida Public Employees --- ### FRS Pension Members Specialized guidance on pension options, retirement timing, and survivor planning. ### DROP Participants Help with entry timing, in-DROP investing, and lump-sum decisions at exit. ### Educators Plans for teachers, administrators, and school staff across Florida districts. ### First Responders FRS Special Risk planning for firefighters, EMS, paramedics, and law enforcement. ### Correction Officers Retirement planning for corrections professionals and detention deputies. ### State & County Employees Coordinated planning for agency staff, county workers, and municipal employees. ### 457(b) & 403(b) Participants Account reviews, contribution strategy, and coordination with FRS benefits. ### Already Retired Public Employees Second-opinion reviews and ongoing planning support for current retirees. --- ## Planning Areas We Can Help You Review --- Areas where independent fiduciary guidance often helps Florida public employees gain clarity. ### FRS Pension Planning ### DROP Timing and Rollover Options ### Retirement Income Planning ### 457(b) and 403(b) Coordination ### IRA and Investment Account Review ### Tax-Aware Withdrawal Planning ### Social Security Timing ### Medicare and Health Insurance Timing ### Estate Planning Coordination --- ## Your Retirement Questions Deserve Clear Answers. Whether you’re years away from retirement or already retired, a clear plan can help you better understand your options and make informed decisions with confidence. [Start the Conversation](#contact-form) [View Free Retirement Resources](https://benowitzwealth.com/free-checklists/) --- *Submitting this form does not create an advisory relationship. Advisory relationships begin only after the appropriate agreement and required documentation are completed.* *Benowitz Wealth Management is an independent fiduciary advisory firm and is not affiliated with, endorsed by, or sponsored by the Florida Retirement System, the State of Florida, FINRA, the SEC, or any government agency. Information provided is for educational purposes only and should not be considered individualized investment, tax, or legal advice. Investment advisory services are offered through Benowitz Wealth Management.*