For some clients it is creating a clear and simple low-cost portfolio that will get the job done. For others it might include some individual stock picks for companies that they truly believe in. One thing we have learned over the years is that there is not one right way to invest, and every person is unique. We do not force any investment philosophy on you, but rather, we help you design monitor and implement a strategy that works for you. We also know that fees really do matter, and we strive to keep our fees lower than many of our competitors.

Not everyone wants to hand their portfolio over to someone else for management but may realize they could still benefit from professional guidance. At Sunset Cliffs Capital, we leverage top technologies to help our clients put everything together in a seamless way that helps them understand where they may be heading. We assist clients in making the right decisions and maximizing the tools available to them. There are times when we can help clients see areas of improvement they have not yet thought about. Think of us as your financial coach!

Running a business comes with unique challenges and opportunities that don’t apply to the average W-2 employee. We help business owners stay focused on their business rather than navigating the ever-changing landscape of having employees. With a focus on the business owners’ personal taxes, we create a plan that is designed to provide tax benefits for the employer/owner while also providing an incredible benefit to their hard-working employees. In many cases we find the tax benefit more than offsets any cost so why not reward your employees instead of Uncle Sam?

Qualified plans such as 401k plans can provide incredible tax benefits to business owners and employees but do come along with quite a few moving parts and obligations. We strive to simplify this process in a way that allows business owners to focus on what matters while knowing that employees are getting a benefit that has been benchmarked to the industry. Offering a plan to employees is an important decision with serious obligations and it is important you have a partner here looking out for your best interest. We are happy to sign on as a fiduciary for our plans to prove that we sit on same side of the table as the owners themselves.

Having a top-notch 401k advisor who cares and is willing to spend the one-on-one time employees need can make all the difference. Let’s face it most Americans are lost when it comes to understanding how retirement plans really work, or even how our tax systems operate. With a little bit of education and time, we help employees understand these complicated benefits for the first time. We also have many topics we can educate employees on beyond just the 401k to build on their financial knowledge that begins with the work plan itself.