Broker Check

(530) 243-9888

Law Enforcement Professionals

Maximize Your California Savings Plus 401k/457

Maximize Your California Savings Plus 401k/457

Like most retirement plans, the California Savings Plus program offers limited investment options and minimal planning support. As such, the average plan participant is unlikely to optimize investment performance or make prudent planning decisions. It is estimated that the lack of adequate support costs the average participant 3% a year and reduces savings by 79% over a career. 1,2,3,4

Our independent Pre-Retirement Services help to maximize retirement benefits by avoiding the cost associated with inadequate support. By combining continuous professional investment management with comprehensive local planning support, we expect the average investor to reduce risks and recapture about 3% a year in unnecessary loss. This savings may allow a participant to retire earlier and/or with greater we

Pre-Retirement Services for Law Enforcement Professionals

We work directly with Local and State law enforcement professionals to help develop and protect the wealth needed to retire with confidence. We work within personal Savings Plus accounts to expand investment options, facilitate personalized strategies, and reduce the cost of inadequate management. Our complementary planning services support the high level personal organization needed to confidently maximize progress towards retirement goals.

How It Works

This opportunity is facilitated through the Self-Directed Brokerage Account (SDBA) built into the California Savings Plus retirement plan. Through the SDBA we may help participants retain the professional portfolio management services of an experienced Registered Investment Advisor (RIA). The RIA functions as an independent fee-only fiduciary. As your Investment Advisor Representative (IAR), we share the RIA's normal fee, provide complimentary financial planning support, and continuously monitor results.

Advantages of Integrating a Registered Investment Advisor

  • Access to thousands of additional funds
  • Customized investment strategies designed to meet personal needs
  • Acknowledged fiduciary standard of care
  • Greater control over risks and investment expense
  • Supplemental quarterly performance report

Advantages of Our Local Support Services 

  • Continual assistance with portfolio design  
  • Complementary local financial planning support
  • Integration and coordination with your outside assets
  • Continuous monitoring of results
Book A Meeting

Have a Question About Your 401k or 457 Account?

Thank you! Oops!

Citations:

  1. Vanguard money market funds Vanguard research September 2016 Putting a value on your value: Quantifying Vanguard Advisor’s Alpha®.
  2. 2014 DALBAR QAIB Highlights: Futility of Investor Education Bad Decisions Persist After Decades of Education and Disclosures
  3. Help in Defined Contribution Plans: 2006 through 2012, Aeon-Hewitt, May 2014
  4. Advice seekers retire with 79% more money, Wall Street Journal, Market Watch May 22, 2014