Broker Check


Companies We Work With

We work with private, public and not-for profit companies who have between 1-1,000 employees.  The types of plans we offer are:

  • Traditional & ROTH IRAs
  • SEP IRAs
  • Solo 401(k)s
  • Traditional 401(k)s & ROTH 401(k)s
  • Traditional 403(b)s & ROTH 403(b)s
  • Company sponsored 529 plans
  • Cash Balance Plans
  • Defined Benefit Pension Plans
  • NQDC Plans
  • 457 Plans (457(b) and 457(f) plans)
  • Corporate Owned Life Insurance
  • ESOPs
  • Buy Sell Agreement Funding
  • And more…

Succession Planning and Buy-Sell Agreements

We help business owners transfer their businesses and properly fund their succession plans.  See this video to learn more:

As you work with your CPA and attorney on a buy-sell agreement or business succession planning strategy.  Let us partner with your team to help you design an investment and/or insurance strategy to successfully fund your buy-sell agreement or business sales strategy. 

Most Commonly Used Retirement Plans

My team and I are skilled in complex retirement plan designs and strategies.  However for the purposes of my website, I have included information about some of the more common types of retirement plans available.  Contact us for a consultation to learn more about which retirement plan is the right fit for you and your company. 



  • Perfect plan for an employer with fewer than 100 employees
  • Very easy to set up
  • Low fees
  • Simple ongoing maintenance
  • Employee contributions are tax-deductible
  • Employer contributions are deductible business expenses
  • No IRS reporting requirements


  • Employer matches a certain percentage of the contributions of the employees
  • Large penalty for early withdrawals in the first two years - up to 25%
  • Cannot roll contributions to other retirement plans in the first two years
  • Employees cannot take loans against their funds (could be seen as an advantage)

SEP IRA (Simplified Employee Pension)


  • Great fit for businesses and self-employed people
  • No limit on the number of employees you must have to participate
  • Very simple to set up
  • Lower start-up costs than other retirement plans
  • No IRS annual filing requirement
  • Employer contributions are deductible business expenses
  • Can contribute up to 25% of an employee's pay
  • Employees are 100% vested immediately
  • Employer contributions are not included in the employee's gross compensation
  • Catch up contributions for those over 50 are allowed


  • Employers are the only ones that con contribute to the plan
  • Employees are not eligible until they have worked at least three of the last five years
  • Loans are not available (could be seen as an advantage)

401(k) and 403(b) Plans


  • Provides more options; employee contributions can be pre-tax or post-tax
  • Employee pre-tax contributions are tax deductible
  • All employer contributions are deductible business expenses
  • Employees can choose how much they contribute
  • Employers may provide a matching contribution
  • High contribution limits
  • Employee contributions are taken automatically as a payroll deduction
  • Employee contributions will have no bearing on the amount of money you receive from Social Security
  • Your funds are protected against bankruptcy
  • Employee may borrow against the money invested in the 401k
  • Can be designed to fit the needs of the employer


  • Failing to repay loans creates high penalties
  • Employees may not be able to contribute as much as they'd like
  • Employers may decide to provide no match to invested funds
  • Are more costly to set up and administer than SIMPLE IRAs and SEPs
  • Requires annual IRS reporting
  • Employers are considered fiduciaries of the plan

Interested In Connecting With Us But You Don't Live In The Sacramento Area?

Not a problem!  With the help of Citrix GoToMeeting we can hold live meetings via the phone, computer, or tablet from anywhere in the world.  My long distance clients and clients who travel a lot love the ease of working with me from all over the globe.  We can also take care of other logistics like paperwork via email, mail or fax.  Click here to see how easy it is to partner with us using these tools. 

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