Legal Information & Disclosures

Benowitz Wealth Management is a trade name of Joy Financial Group LLC, a fee-only investment adviser registered with the State of Florida. CRD 331545. The Firm also conducts business as Ducat Private Wealth. These are trade names of one registered investment adviser, not separate entities or affiliates.

Registration does not imply any certain level of skill or training. Information on this site has not been approved or verified by the SEC or by any state securities authority.

This website is not an offer or solicitation in any jurisdiction where the Firm is not registered, notice filed, excluded, or exempt.

• Form ADV Part 2A: Firm Brochure
• Form ADV Part 2B: Brochure Supplement
• Investment Adviser Public Disclosure

Available free on request: info@benowitzwealth.com.

Client assets are held at Charles Schwab & Co., Inc., member SIPC, independent of and unaffiliated with the Firm. You receive statements at least quarterly directly from Schwab and should compare them against anything you receive from us.

We are deemed to have custody because we deduct advisory fees directly from client accounts.

Schwab makes products and services available to us at no cost, some of which benefit only the Firm. That is a conflict of interest and it is described in full in Items 12 and 14 of our brochure.

Benowitz Wealth Management is not affiliated with, endorsed by, or sponsored by the Florida Retirement System, the Florida Division of Retirement, or the State Board of Administration of Florida, and is not connected with any school district, sheriff's office, police or fire department, county, municipality, or other public employer.

FRS members may obtain free guidance from the MyFRS Financial Guidance Line at 1-866-446-9377.

All references to FRS programs on this site are educational.

Content on this site is general education. It is not individualized investment, tax, or legal advice and is not a recommendation to buy or sell any security or to take or refrain from taking any action with respect to a retirement benefit election. Attending a seminar or webinar, or submitting a form, does not create an advisory relationship.

Investing involves risk, including possible loss of principal. Past performance is not a guarantee of future results. No strategy (including asset allocation and diversification) guarantees a profit or protects against loss in a declining market.

We do not publish testimonials or endorsements.

Joy Financial Group LLC does not provide tax, accounting, or legal advice, does not prepare tax returns, and does not sell insurance. Those services are provided by professionals you engage separately. We receive no compensation of any kind for referring you to any outside professional, and none for referring anyone to us.

When published content on this site is found to be wrong or out of date, it is corrected. Errors: info@benowitzwealth.com.

Our privacy policy explains what this website collects, how it is used and shared, and the choices you have. Clients also receive our formal privacy notice, which governs client information.

Read the Privacy Policy