Services for Employers

Extra benefits, at no extra cost

Providing the best for your employees not only improves moral but is a great recruting tool, and that includes retirement help. We provide in-house advisory services and low cost real estate and mortgage services at no cost to your company.

Employees want financial education! Over 80% of employees indicate they would participate in financial education and counseling if it were available in the workplace. (Joo & Grable, 2000).

We help your employees start saving, help with asset allocation and investment planning in the retiremant plans; provide long term financial planning, and more, at no extra cost. We hold "learn at lunch" financial education seminars to increase financial literacy, and will help start and grow participation in your plan.

For your employees

As part of our services, your employee get access to free and discounted services, at no extra cost:

Comprehensive Investment Advisory Services

Our Advisory services involve the detailed review and analysis of all facets of your financial situation including cash flow analysis, retirement planning, risk management, investment management, tax management and estate planning. It is only through comprehensive analysis that your true financial condition can be determined and the proper plan can be recommended. Any financial advisor or planner providing recommendations without addressing all of these aspects for you or your business will most likely result in unsuitable recommendations.

Discounted Real Estate Services

4% total commisions to sell your house - Full service

We provide all the same services as full commission real estate brokers, but for only 4% total commissions. If fact, if we handle both sides of the sale, we only charge 3.5%


Discounted Mortgage Services

We have partnered with the Premier boutique mortgage bank in the Bay Area to offer you the most competitive rates, great service, and fast closing times.


Insurance Planning and Reviews

We can help you with Life, Health, Annuities

You've heard of: "buy term, and invest the difference"? We can show you how and why that makes sense.


Lower the cost of your plan

401k , 403b, and 457b plan setup and consultation:

We can help you setup a low cost, full service retirement plan for any size business or institution.

We partner with industry leading record keepers that provide highest level of compliance and record keeping services, and we select and build plan investments and portfolios that have the lowest fees, no upfront or back-end sales charges, and low annual expense ratios. In fact, our plans have some of the lowest costs and fees in the industry.

Because you and your employees deserve a great plan!



We believe in full transparency and will show you the costs and fees associated with your plan, line by line. This way, you know exactly how much you're paying, and to whom. And since we recive no fees from the underlying investments, we select from lowest cost funds available. If fact, some of the fund we select rebate part of thier fees to the plan in order to lower your costs even more. (401k plans only)

New 401(k)

$0 Setup
  • Employer Paid Fees:
  • 1-10 employees - $150/month
  • 11+ employees - $85/per employee/year
  • Above fees paid to 3rd party record keepers and not Alta Financial Group
  • 0.50% Management Fee paid to Alta Financial Group / yearly.
  • Plan investments have no upfront or backend sales charges, no surrender charges, and have an average expense ratio of 0.25%

Established 401(k)

$0 SetupNo Transfer fees
  • Assets of $3 Mill +
  • $0 per employee fees
  • Record keeping and compliance included
  • 0.50% Management Fee paid to Alta Financial Group / yearly.
  • Plan investments have no upfront or backend sales charges, no surrender charges, and have an average expense ratio of 0.25%

403(b)/457(b)

$0 SetupNo Transfer fee
  • Full Service Plans
  • $15 annualy /per participant
  • Record keeping and compliance included
  • 0.50% Management Fee paid to Alta Financial Group / yearly.
  • Plan investments have no upfront or backend sales charges, no surrender charges, and have an average expense ratio of 0.25%

Sample Portfolio

Low fees matter

Let's look at a sample growth portfolio that is well diversifed and offers potential for strong long term growth. Compare the annual expense ratios and the 5 year and 10 year annulaized returns to your currnet investments. These investments have no upfront, or backend sales charges.

returns as of 9/30/2015

Investment Fund Type 5 year 10 year Expense Ratio
1 SP 500 Index Mutual Fund 13.24% 6.73 0.05%
2 Mid Cap Index Mutal Fund 14.22% 8.30% 0.03%
3 Gov. Fixed Income Mutual Fund 2.94% 4.91% 0.12%
4 Small Cap Index Mutual Fund 14.55% 8.45% 0.15%
Average Expense Ratio: 0.09%
Asset Management Fee: 0.50%
"All-in" Annual Fee: 0.59%

See how we're different

Drop us a line. Let's setup a meeting to discuss how we work and how our objectives are in-line with yours.

You might be pleasantly surprised.

Give us a call

408-772-5092