Retirement Planning. 

Beyond providing one-on-one consultation and development of personal retirement and investment plans, PWA Financial offers a unique, privately labeled 401(k) plan – ePerforma401(k).  Here are some of the special features of ePerforma401(k) that offers outstanding benefits to both the employer and the employee:

Reliable.  ePerforma401(k) offers reliable, streamlined, full-service record keeping, administration, and employee education.  With our more than 50 years of experience in employer-sponsored plans and training, ePerforma401(k) offers you the very best in an array of retirement plan features.

Simple.  ePerforma401(k)  provides all of the ease of plan design, establishment and administration available.  Online enrollment for employees, a 24-hour toll-free voice response system, online plan disclosures, daily account updates, and online contribution processing are just some of the ways ePerforma401(k) is designed for simple, easy servicing and management. 

Low Cost.  One of the true benefits of the ePerforma401(k) design is that it is one of the lowest cost, fully-bundled 401(k) plans in the marketplace.  Low cost to you, as an employer, and low cost to your employees, as plan participants.  All plan fees and account fees are laid out to you upfront in an easy-to-understand way so you can see the value of ePerforma401(k)’s design against other similar plans.

PWA Financial understands the needs and concerns of businesses for a well-designed, easily-administered and low cost retirement program that helps you attract and retain quality employees. That is exactly what the ePerforma401(k) retirement plan offers to you and your employees.

Benefits to the Employer:

	Wide Choice and Flexibility of Funds
	Open architecture/multiple fund families
	No Load/Load-waived mutual fund trading
	Diversification
	Asset Allocation
	Lifestyle funds/specialty funds
	Assistance with Fiduciary Responsibilities
	Guidance with Plan Sponsor’s responsibilities

Benefits to the Employee Participant:

	Onsite workshops/seminars
	Online enrollment/instructions for accessing 24/7 access line/website
	Retirement planning and calculators
	One-on-one advising
	Quarterly statements
	Distribution counseling
	Participant loans
	Employee tax reporting

Business Planning

Business owners/founders care very much about the company they have worked so hard to build, the people who work for them and, in the case of a family-owned business, the future strength and operation of the firm as a legacy for the family.  Most want to ensure that in the event of unforeseen occurrences such as disability or death, or in the face of a planned event such as retirement, the business will be able to effective respond to such events and continue normal business operations.  

PWA Financial can help ensure that what you, as owner and founder, have worked so hard to build will remain secure and stable through any future transition. Some of our areas of expertise to support your business include:

	Buy-Sell Agreements
	Succession Planning
	Executive Compensation Plans
	Salary Continuation (Section 105 Plans)
	Non-qualified Deferred Compensation Plans

Estate Planning

Whether as a business owner, an individual or family, preparing for, and protecting, the future is what estate planning is all about.  PWA Financial has the experience and knowledge to help guide you in establishing your estate plan that will help protect you and your loved ones – now and in the future.  Our professional advisors can assist you in understanding how and when to use the following estate planning tools:  

	Irrevocable Life Insurance Trusts
	Revocable Trusts
	Charitable Trusts
	Grantor Retained Trusts
	Probate/Tax Analysis

PWA Financials professional advisors are focused on finding the right solutions for each client’s unique needs and personal goals. For more information contact the PWA Financial office at 916.631.7887, send an email, or complete our online information request form.