(951) 609-1500

Extension 2



33050 Antelope Road

Suite 208

Murrieta, CA 92563


Employer Sponsored

We have a multitude of different plans available, tailored to each company’s needs

401(k) Plan

  • A 401(k) Plan is sponsored by an employer. Eligible employees can save and invest a part of their paycheck before taxes are taken out. Funds are tax-deferred until the money is withdrawn from the account later at retirement.
  • A 401(k) plan enables Employees to save for retirement using pre-tax dollars.
  • 401(k) Employer Matching, Profit Sharing, and Tax-free Roth 401(k) are also good benefit options that can be added by an Employer. 



403(b) TSA

​A 403b, or TSA is a tax-deferred retirement plan that is similar to a 401(k), made especially for Non-Profit Organizations.

 403(b) allows employees who qualify to contribute funds from their income to set aside pre-tax dollars to save for retirement at work. 

​(Tax Sheltered Annuities) TSA was traditionally invested in Fixed or Variable Annuities. Today there are more Investment options, Indexed Annuities, Mutual Funds, and Financial Advisors Programs with fees. 


A Simplified Employee Pension Individual Retirement Arrangement (SEP IRA) is great for small business owners and companies. SEP IRAs are adopted by business owners to provide retirement benefits for themselves and their employees. The plan allows flexible defined contributions up to the tax-extension filed to allow more time for small business owners to contributions for the prior year. 


Simple IRA

A Simple IRA is an employer-sponsored retirement plan offered within small businesses that have 100 or fewer employees. SIMPLE IRAs are less expensive to administer and are a less complicated alternative to the 401(k), profit sharing plans. 

 A Simple IRA works a much like a 401(k) plan. Contributions to the plan are made pre-tax, and the money in the plan accumulates tax-deferred until the money is withdrawn at retirement. Employers must match Employee Contributions from 1% to 3% of gross income or up to contributions made. 

Roth 401(k)

A Roth 401(k) is an employer-sponsored investment savings account option that allows employees to save for retirement with after-tax dollars up to the plan’s contribution limit. This type of investment account is well-suited for younger workers that think they will be in a higher tax bracket in retirement than they are now. A Traditional 401(k) Plan is funded with pre-taxed dollars, which may result in a higher tax on future withdrawals. Pre-tax savings considerations must be done before contributing to a Roth 401(k).

COLI, Life Insurance

Corporate-Owned Life Insurance (COLI) is life insurance purchased on employees’ lives that is owned by the employer, with accumulated accounts values and benefits payable either to the employer or directly to the employee’s families. This type of life insurance can be used to plan compensation planning for Executive(s), or Management by a company, like a Key-person Insurance Plan.

Single K, Individual 401(k)

Single K, or Individual 401(k) plan, is a retirement savings plan for individuals looking to contribute more than what Simple IRA allows, and Self-borrowing Simple IRA, or SEP Plan does not allow. The plan must be administered annually, and has a lower cost to maintain.

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