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 retirement 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.
As part of our services, your employee get access to free and discounted services, at no extra cost:
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.
4% total commissions 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%
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.
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.
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 receive no fees from the underlying investments, we select from lowest cost funds available. If fact, some of the fund we select rebate part of their fees to the plan in order to lower your costs even more. (401k plans only)
Let's look at a sample growth portfolio that is well diversified and offers potential for strong long term growth. Compare the annual expense ratios and the 5 year and 10 year annualized returns to your current 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% |
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.