Employer Sponsored Retirement Plans

If you sponsor a retirement plan, you already know it can feel like a maze of rules, responsibilities, and risks. My role as a financial advisor and fiduciary consultant is to simplify that and build a 401(k) plan that works—for you and your employees. Working with businesses across Oakland, California and the San Francisco Bay Area, I begin by understanding your workforce and your goals, whether that is attracting talent, improving retention, supporting leadership, or all of the above. From there, I design a customized employer-sponsored retirement plan that fits your business, not a generic template.

Plan design covers the key details: eligibility, vesting schedules, employer match formulas, automatic enrollment, and investment options. As a wealth manager with experience in employer-sponsored retirement plans, I help you evaluate trade-offs so the plan remains competitive and fair while staying manageable from a cost and administrative standpoint. I also guide you through your responsibilities as a fiduciary in straightforward terms. Together, we establish a clear process for documenting decisions, reviewing investment options, and monitoring service providers—helping reduce risk and maintain a well-managed plan.

Ongoing support includes regular reviews of participation rates, contribution trends, and investment performance. As your investment advisor, I recommend adjustments to keep the plan aligned with evolving regulations, market conditions, and workforce needs. When needed, I coordinate with recordkeepers and third-party administrators so you are not left managing everything on your own.

I also place strong focus on employee education. Clear communication helps your team understand the value of the plan and how it supports their retirement planning goals. In the end, my role as a private wealth advisor is to help you build and maintain a thoughtful 401(k) program—one that supports your employees, protects your business, and reflects the standard you want to set as an employer.