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Experience

With over 15 years of individual wealth planning and 401(k) consulting experience, we invite you to explore how Monterey Wealth can help you develop a custom plan for your unique situation.

Transparency

You have a right to know what services you are receiving and what you are paying for them. Our 100% transparency guarantee ensures you are able to fairly evaluate the value you are receiving.

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Independence

No sales quotas and no proprietary product requirements from home office allows us to build custom strategies that fit your needs and not those of some nameless, faceless corporation.

Cash Balance Retirement Plans

A Cash Balance Plan is a qualified retirement plan that is granted tax deferral and creditor protection under ERISA. Those who adopt a Cash Balance Plan normally share similar traits:

  • Partners or owners who desire to contribute more than $50,000 a year to retirement
  • Own a closely-held business with no or a few employees
  • Are looking for ways to decrease the business’ current taxable income
  • Strive to reward a certain portion of their staff

Cash Balance Plans are not suitable for everyone, but when appropriate, it is a powerful retirement and tax strategy. We invite you to explore more on our website to determine if a Cash Balance Plan makes sense for your firm. 

401(k) Consulting

We are proud to partner with LPL Financial’s Retirement Partners Consulting Program which gives our clients access to cutting-edge 401(k) resources to ensure the plan is operating in an efficient and transparent manner. When we meet with our 401(k) clients face-to-face quarterly or bi-annually, we leverage these critical tools:

  • 3(21) or 3(38) Co-fiduciary Monitoring System
  • Fiduciary Vault – Stores meeting minutes and plan documents
  • Pension Resource Institute – Provides fiduciary education and resources to plan sponsors
  • Fee Comparison and Analysis – Enables a transparent fee structure
  • Fund Lineup Comparison – Allows performance comparison of fund lineup

The Power of Independence

We are proud to be affiliated with LPL Financial, the largest independent broker/dealer* in the country, since 2005. LPL Financial has consistently been committed to our client’s success by providing: 

  • Scalability and Leverage
  • Technology and Research
  • Independence with no sales quotas
  • Compliance oversight

*As reported by Financial Planning magazine June 1996-2018.

Check the background of investment professionals associated with this site at FINRA’s BrokerCheck