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Your retirement shouldn't be one size fits all

We take pride in our ability to help people from any and all walks of life; no occupation, background, previous experience or current situation makes any client more important than another. Don't hesitate to contact us to see what we can do to help you realize your goals. With that being said, we do specialize in three subsets of clients that we have worked with extensively:

Hospital Staff & Medical Professionals

Ted and Dorothy both cut their teeth guiding retirement investments in the local hospitals and medical offices throughout Shasta and Siskiyou counties. With decades of experience in benefit packages, retirement plans and retirement planning we can help make the most of your situation. We often hear questions such as:

  • How much should I be contributing to my 401(k), 401(a) or 403(b)?
  • What considerations should I keep in mind when taking a loan from my qualified plan?
  • If I leave my current position and join another employer, what are my options?
  • How can I transfer my funds to another employer, and what happens if I don't?
  • I need help allocating my current contributions inside my accounts, what should I do?
  • How much can I withdraw from the plan and when if I want to avoid penalties?

Small Business Owners & Their Employees

Aside from helping countless small business owners throughout the years, perhaps the best experience we can offer is being small business owners ourselves. Whether you run a sole proprietorship or have several employees, we can help you design benefit and retirement plans to both achieve your objectives and maximize your compensation structure.

  • What are the differences between a SEP, SIMPLE, IRA, Roth, Profit Sharing, Money Purchase, Defined Benefit, Defined Contribution, 401k, 403b, 457, etc.?
  • What are some options if I am much older than my other employees?
  • What are nondiscrimination rules, and how can I ensure my qualified plan meets them?
  • Given my specific objectives, which plan allows me to maximize my current contributions?
  • What are some different ways to fund a group health insurance plan and other employee benefits?

Families (Big and Small)

Families face unique challenges when trying to balance the needs and priorities of different generations (trust us we know!). Whether you need advice on caring for elderly family members, learning about options for education saving or you are trying to decide whether renting or buy a home at this stage of your life, we've got you covered. Other popular areas of interest are:  

  • Debt paydown strategies - such as credit cards, mortgages and student loans
  • Ensuring adequate estate planning arrangements are in place
  • Budgeting and managing day to day cash flows
  • Identifying expectations and goals for retirement
  • Life changes - from job to location to family
  • Managing risk and protecting your family with insurance