Our clients in the University of California system: Kaiser, Banner, St. Josephs, Dignity Health, and Maricopa Medical Center can all avail themselves of an employer-sponsored retirement plan offering a self-directed option.

How does a risk-adjusted investment strategy totally customized for you and your retirement plan at no direct cost to you sound? Over the past 20 years, we’ve seen many clients who simply aren’t allocating their retirement accounts effectively.

We have found the vast majority of participants do not pay the needed amount of attention to the investment elections they make in their plans. Some people actually work for a number of years, having their contributions allocated to the money fund. This is a checking account.

Recently, you may have noticed a number of changes to retirement plans. One of which is detailed in the Pension Protection Act of 2006. This act describes how to make arrangements to provide for investment advice on your 401k, 403b, and other deferred compensation plans.

Through the use of this self-directed option or brokerage window, participants and their advisors finally have the freedom to investment retirement plan assets in a much wider range of investment options strategically, entirely congruently with the client’s risk profile.

If you prefer more choices, more flexibility, a personal investment solution at no direct cost to you, we strongly encourage you to contact us.

If you would like to learn more about this subject or receive a free quote then please contact us and we’ll be happy to help.

By Anthony C. Williams, CWS, ChFC, MRFC, CLU | Investment Advisor Representative | President & Founding Partner of Mosaic Financial Associates & Orthopaedist Advisory Group | Securities and advisory services offered through Cetera Advisors LLC, Member FINRA/SIPC, a broker/dealer and a Registered Investment Advisor.  Cetera is under separate ownership from any other named entity.