401(k) Plans

MJ Everson financial has begun to earn a reputation in Sonoma County for providing concise, clear advice on what can be a very complicated subject, retirement accounts. In particular, many folks have 401(k) plans that they simply don’t understand.

If you are a small business owner whose company has a 401(k) plan, please take advantage of our free Fiduciary Review to make sure your current plan is up to date with all current ERISA guidelines. The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that sets minimum standards for most voluntarily established pension and health plans in private industry to provide protection for individuals in these plans. If your plan is out of compliance, YOU are held personally responsible. A fifteen minute review will allow us to see any areas of possible exposure.

If you own a business but haven’t yet started a retirement plan for yourself and your employees, we can help you evaluate which plan is best for your company’s particular circumstances. Whether it be a 401(k), a SEP-IRA, a SIMPLE IRA, a profit sharing plan, a company stock plan, a money purchase plan…oh I could go on and on. Suffice it to say, there are a lot of options here and it is a difficult alphabet soup to make sense out of. Let us help. We’ll listen to your desires and propose the solutions best suited to your needs.

As an individual participating in your company’s 401(k), you may find the entire process frustrating and confusing. If you are working for a company for which MJ Everson financial serves as plan adviser, take advantage of our one hour free financial plan review. We will help you devise a plan for you 401(k) allocation and all your other financial planning questions as well.

Whether a business owner or employee participant, your 401(k) may end up being your largest retirement asset. That's why it's crucial for you to make the most of it. Don’t allow the confusing nature of the IRS tax code and investments make you feel like sticking your head in the sand. We can help you understand these investments. Give us a call!

Investors should carefully consider the investment objectives, risks, charges and expenses before investing. Obtain a prospectus and other important information pertaining to investment products from your registered representative. Read all prospectus and other important information carefully and before investing. Investing involves risk. Principal and investment return will fluctuate and may lose value.