Jon Eisen, CFP, AIF

"Plan For Tomorrow Today," summarizes our philosophy for helping clients with their investments and retirement plan needs.  While "planning" for the unknown seems impossible by definition, by applying basic investment risk management techniques you should be able to lessen the chance of large financial losses while attaining a competitive, risk-adjusted return.

SD Retirement Plan Advisors: Whether your company is a start-up considering a new plan or a decades-old firm that has an ongoing 401(k) plan, profit sharing or defined benefit plan, administering a company-sponsored retirement plan can be a complex task. A good retirement plan advisor acts as an overseer to guide the plan sponsor in fulfilling its fiduciary responsibilities.

While reducing plan costs are important, ultimately, it's all about having a process:

  • Evaluating the current plan
  • Analyzing alternative options
  • Implementing changes, if necessary
  • Monitoring & Reviewing regularly

Small to mid-size companies typically do not have the luxury of a full-time employee to administer their retirement plan. An advisor who specializes in working with retirement plans is essential, especially now that the Pension Protection Act of 2006 places even more responsibility on employers to protect the interests of employee-participants.

A retirement plan advisor acts as a partner to both the plan sponsor and participants:

  • Understand the workings of the plan
  • Clearly explain fees and investment options
  • Help lower costs & fees
  • Review plan design & options
  • Select cost-effective investments
  • Educate participants regarding retirement
  • Formulate an Investment Policy Statement
  • Help plan sponsor document their process
  • Advise when to change providers (RFP)
  • Be proactive and responsive

Understanding the basics of investments and retirement planning are the foundation from which you build a retirement nest egg to help support yourself while you are no longer able or willing to work for a living. This site has many informative articles, monthly newsletters and even short videos, (E-Seminars),  to make the process of learning about finance and investing easier. (Click on Learning Center, above.)

Jon Eisen, CFP, AIF

(858) 458-1448
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