×

Terms of Use

Please read these terms and conditions carefully. By accessing this website and any pages hereof, you are indicating that you have read, acknowledge and assent to be bound by these terms and conditions. If you do not agree to these terms and conditions, do not access this website. Etzler Financial Advisors, LLC reserves the right to change these terms and conditions and you are responsible for regularly reviewing these terms and conditions. Your continued use of this website constitutes your agreement to all such terms and conditions. As used herein, EFA means Etzler Financial Advisors, LLC and its affiliates.

General information

This website comprises various websites and pages operated by EFA (collectively, the “website”). Certain sections of our pages on this website may contain separate terms and conditions, which are in addition to these terms and conditions. You should read those additional terms and conditions carefully. By accessing such sections or pages, you agree to be bound by those additional terms and conditions. In the event of a conflict, those additional terms and conditions will govern for your use of those sections or pages.

Unauthorized use of EFA’s website and systems, including, but not limited to, unauthorized entry into EFA’s systems, misuse of passwords or misuse of any other information, is strictly prohibited. You may not use this website in any manner that could damage, disable, overburden, or impair any EFA site or service or interfere with any other party’s use and enjoyment of any EFA site or service. You may not attempt to gain unauthorized access to any EFA site or service, computer systems or networks connected to any EFA site or service, through hacking, password mining or any other means. You agree that you will not engage in any activities related to this website that are contrary to applicable laws or regulations.

The information and materials on this website may contain typographical errors or inaccuracies. EFA reserves the right, in its sole discretion, without any obligation and without any notice requirement, to change, improve or correct the information, materials and descriptions on this website and to suspend and/or deny access to this website for scheduled or unscheduled maintenance, upgrades, improvements or corrections. Any dated information is published as of its date only, and EFA does not undertake any obligation or responsibility to update or amend any such information. EFA may discontinue or change any product or service described in or offered on this website at any time.

Disclaimer of warranty and limitation of liability

The information, products and services on this website are provided on an “AS IS,” “WHERE IS” and “WHERE AVAILABLE” basis. EFA does not warrant the information or services provided herein or your use of this website generally, either expressly or impliedly, for any particular purpose and expressly disclaims any implied warranties, including but not limited to, warranties of title, non-infringement, merchantability or fitness for a particular purpose. EFA will not be responsible for any loss or damage that could result from interception by third parties of any information or services made available to you via this website. Although the information provided to you on this website is obtained or compiled from sources we believe to be reliable, EFA cannot and does not guarantee the accuracy, validity, timeliness or completeness of any information or data made available to you for any particular purpose. Neither EFA, nor any of its affiliates, directors, officers or employees, nor any third-party vendor, will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or interruption of this website, or resulting from the act or omission of any other party involved in making this website, the data contained herein or the products or services offered on this website available to you, or from any other cause relating to your access to, inability to access, or use of the website or these materials, whether or not the circumstances giving rise to such cause may have been within the control of EFA or of any vendor providing software or services. In no event will EFA or any such parties be liable to you for any direct, special, indirect, consequential or incidental damages or any other damages of any kind even if EFA or any other such party has been advised of the possibility thereof. This limitation on liability includes, but is not limited to, the transmission of any viruses which may infect a user’s equipment, failure of mechanical or electronic equipment or communication lines, telephone or other interconnect problems (e.g., you cannot access your Internet service provider), unauthorized access, theft, operator errors, strikes or other labor problems or any force majeure. EFA cannot and does not guarantee continuous, uninterrupted or secure access to the website.

Proprietary rights

All right, title and interest in this website and any content contained herein is the exclusive property of EFA, except as otherwise stated. Unless otherwise specified, this website is for your personal and non-commercial use only. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, frame, create derivative works from, transfer, or otherwise use in whole or in part any information, software, products or services obtained from this website, except for the purposes expressly provided herein, without EFA’s prior written approval. If you download any information or software from this website, you agree that you will not remove or obscure any copyright or other notices or legends contained in any such information.

EFA, the EFA logo and other EFA services referenced herein are service marks of Etzler Financial Advisors, LLC. The names of actual companies and third-party products mentioned herein may be the trademarks of their respective owners. You are prohibited from using any marks for any purpose including, but not limited to use as metatags on other pages or sites on the World Wide Web without the written permission of EFA or such third party which may own the marks.

Pursuant to Section 512(c)(2) of the Copyright Act, EFA designates the following agent to receive notifications of claimed infringement: Matthew R. Etzler, Etzler Financial Advisors, LLC, P.O. Box 100, Red Bluff, California 96080; fax: (530) 527-5237.

Use of links

This website may contain links to and be linked from third-party websites. These links are provided only as a convenience. The inclusion of any link is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by EFA of any information contained in any third-party website. In no event shall we be responsible for the information contained on that site or your use of or inability to use such site. You should also be aware that the terms and conditions of such site and the site’s privacy policy may be different from those applicable to your use of this website.

No offer

None of the information contained in this website constitutes a solicitation or offer, or recommendation by EFA or its affiliates to buy or sell any securities, futures, options or other financial instruments or provide any investment advice or service. EFA does not render or offer to render personalized investment advice or financial planning advice through the EFA website. EFA’s specific advice is given only within the context of our contractual agreements with each client. The EFA website is limited to the dissemination of general information about EFA’s service offerings, and provides an alternative method for prospective clients to learn more about EFA, and contact EFA. Advice may only be rendered after the delivery of Form ADV-Part II, the execution of an investment advisory and/or financial planning agreement by the client and the advisor, and the initial payment of the planning fee or investment advisory fee by the client to the advisor.

The information and services provided on this website are not provided to and may not be used by any person or entity in any jurisdiction where the provision or use thereof would be contrary to applicable laws, rules or regulations of any governmental authority or regulatory or self-regulatory organization or clearing organization or where EFA is not authorized to provide such information or services. Services described in this website may not be available in all jurisdictions or to all clients.

Privacy policy

EFA respects your privacy. Request the EFA Privacy Policy for disclosures relating to the collection and use of your information.

Choice of law

This agreement shall be governed by and construed in accordance with the laws of the State of California, without regard to conflicts of laws provisions. Sole and exclusive jurisdiction for any action or proceeding arising out of or related to this agreement shall be in an appropriate state or federal court located in the County of Tehama, State of California and the parties unconditionally waive their respective rights to a jury trial. Any cause of action you may have with respect to your use of this site must be commenced within one (1) year after the claim or cause of action arises. If for any reason a court of competent jurisdiction finds any provision of this agreement, or a portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of this agreement, and the remainder of this agreement shall continue in full force and effect. This agreement constitutes the entire agreement between EFA and you with respect to this site and it supersedes all prior or contemporaneous communications, agreements and understandings between EFA and you with respect to the subject matter hereof. A printed version of this agreement shall be admissible in judicial or administrative proceedings.

  • Help Employees Retire Ready

    More than 50% of employees are not on track to meet their retirement needs

    Eliminate Excessive Fees

    Many plans are paying 20%-60% higher fees than are necessary for the services actually being received. Excessive fees can reduce future nest-eggs by more than 30%

    Limit Your Liability

    What you don't know can hurt you... and your employees. You can be held personally liable and financially responsible for fiduciary violations regardless of your knowledge, intent or whether the Plan was actually harmed or not.

    Improve Investment Performance

    Over 80% of the fund managers fail to beat the market

    Remove Conflicts of Interest

    The price tag that lasts for a lifetime

  • EMPLOYER ADVISORY SERVICES

    Making your plan better and your job managing it a whole lot easier

    As an employer and sponsor of a defined contribution plan, you and your company carry a major responsibility. You must listen to the needs of your employees and then select the appropriate service providers at a reasonable cost, determine the optimal plan design provisions, ensure your plan is administered properly, and educate and inform plan participants. All of this hopefully results in a plan that inspires employees to reach their retirement dreams, while helping you recruit and retain valuable associates.

     

    However, with all the defining and redefining of the role of a fiduciary, continued participant lawsuits, and the recognition that a plan sponsor’s fiduciary liability is also a personal liability, managing your retirement plan can be daunting.

    • How do you know if your company is meeting these challenges?
    • How do you know if your plan is working?
    • How do you ensure that plan costs are reasonable?
    • How do you protect yourself as a fiduciary?
    • How do you select qualified providers or investments?
    • Does your organization have the resources to handle these responsibilities alone?

    Etzler Financial Advisors provides fiduciary support and guidance as well as discretionary and non-discretionary investment management services to help you manage costs, monitor performance, understand and implement fiduciary practices, and assist plan participants with their retirement planning goals.

  • BENEFIT FROM A FIDUCIARY APPROACH

    Get the most from your retirement plan

    Ensure you have the right plan

    Limit your fiduciary liability

    Help employees retire ready

    Invest confidently

    Establish a prudent process

    Enhance your plan & cut costs

    Cut through the complexity

    Seek qualified help

  • ENSURE YOU HAVE THE RIGHT PLAN

    What's the best plan for your firm and your employees?

    There are many types of retirement plans, and even more ways to configure them. We optimize your plan by aligning it with your goals, your business and your unique set of employees. Each relevant design feature is examined with ideas to improve plan value. We work directly with you to develop tailored solutions that help:

    • Maximize benefits to owners;
    • Recognize the value of key employees;
    • Provide varying contribution and allocation formulas for different groups of employees;
    • Better manage tax opportunities; and
    • Maximize employee participation and goodwill
  • LIMIT YOUR FIDUCIARY LIABILITY

    How can you be sure you plan is in compliance?

    Most plan sponsors aren’t completely sure what’s required of them as fiduciaries. But it’s important - and you can be held personally liable for any breaches of your fiduciary duties.You can also be held responsible for the misconduct of your plan's service providers.

     

    Effective compliance isn’t just about following a process; it requires looking at the right information in the right way. This requires asking the right questions, critically examining the pertinent issues, performing quality analysis, and properly documenting the “prudent” process.

     

    You may believe that one or more of your service providers (e.g. advisor, TPA, mutual fund company, payroll provider, etc.) protects your company and its plan fiduciaries from liability. Unfortunately, most service providers assume ZERO fiduciary responsibility for employer-sponsored retirement plans. You can reduce your liability exposure by delegating key responsibilities to service providers. However, the only way for a service provider to acknowledge fiduciary responsibility for the services they provide is in writing – in their contract.

     

    You may also believe that your liability diminishes because your employees have the opportunity to choose their own investments. Shifting the obligation for investment selection to employees does not change the legal responsibility for the plan sponsor. As the plan sponsor, you have a continuing duty to select, monitor, and remove imprudent investments from the plan.

     

    We help you to reduce your liability exposure by establishing and executing a disciplined process to demonstrate compliance with ERISA. We develop and integrated program that puts in place prudent processes and organizational structures that lead to well-informed decision-making, risk management and a higher probability of successful outcomes for your firm and your employees.

  • HELP EMPLOYEES RETIRE READY

    Do your employees receive personal investment advice or general education?

    Helping employees understand and make informed decisions about their participation in your retirement plan is not only a fiduciary responsibility, but it is critical in helping them reach their retirement goals.

     

    Many employee education programs merely provide some generic educational information and are conducted by firms whose primary purpose is to sell financial products, not to educate employees. We are strong advocates of making education and communication informative, engaging, interactive and conflict-free.

     

    Education helps lay the groundwork. But there is no substitution for one-on-one advice to help employees become more confident
    and work towards achieving retirement success. Studies have shown that employees who rely on professional investment advice:

    • Earn nearly 3% more than those that do not employ help
    • Accumulate 55-70% more wealth over a 20 year period
    • Portfolios constructed using help outperform those without help 87% of the time

    We offer employees one-on-one counseling and fiduciary advice with a Certified Financial Planner™ and Certified Retirement Counselor® professional. This personalized conflict-free guidance helps your employees sort through the mumbo-jumbo and choose the right mix of investments to help maximize their their standard of living in retirement.

  • HAVE CONFIDENCE IN YOUR INVESTMENTS

    Do you have a formal process for selecting, monitoring, and replacing investments?

    Some of the most challenging decisions for which you are responsible center on investment menu design, including the selection, monitoring, and replacement of the options you offer to employees. It is well established that courts apply a “prudent expert” standard of care under ERISA, not a “prudent person” standard. The relevant standard is NOT what you might do in investing your own money; it’s what an expert would do in investing someone else’s money.

     

    We keep you abreast of changing investment types, investment best practices, performance measures and other items that may impact the options you offer to your employees. As a §3(21) fiduciary, we will help you to build, monitor, and maintain a best-in-class investment menu. And for §3(38) clients, we will handle all of the investment decisions entirely, giving you the maximum amount of liability protection.

     

    As an independent fiduciary, we have the ability to seek the best possible solutions to meet your needs and can work with virtually every investment platform.

  • ESTABLISH A PRUDENT PROCESS

    What systems are in place to help you meet your fiduciary responsibilities?

    A well-organized and effective retirement plan committee is the cornerstone of successful fiduciary decision-making and organizational risk management for plans of any size. The use of a committee for fiduciary decision-making can help to reduce risks and ensure that the retirement plan provides benefits to participants effectively and efficiently.

     

    Formal committee meetings should occur on a regular basis, and the most effective fiduciaries maintain a regular governance calendar. To provide evidence that you have followed a prudent oversight process, meeting agendas should be prepared to detail the items to be discussed and/or acted on, minutes should be kept to document discussions and actions, and all reviewed materials should be maintained in your plan’s fiduciary audit files along with the minutes.

     

    We help you to establish or refine your plan committee. We design and promote a clearly organized oversight structure that includes choosing and formally appointing committee members, establishing a committee charter and acknowledging all appointments in writing.

     

    We educate your committee members on their fiduciary responsibilities and corresponding best practices to improve their decision-making and decrease organizational and personal liability.

     

    We organize, lead, and document regular meetings that occur with your committee, reviewing and discussing multiple aspects of the plan and preparing all meeting deliverables as well as follow-up minutes. We help you to create and maintain a fiduciary audit file to serve as the central location for all plan-related information and to help ensure documentation is in order.

  • ENHANCE YOUR PLAN & CUT COSTS

    Have you benchmarked your plan within the last 3 years?

    Without question, the number one source of fiduciary liability is paying excessive plan fees. Plan sponsors are often uninformed about the “true” cost of their retirement plan, unknowingly accepting higher fees or being unaware of lower-cost options.

     

    Determining the reasonableness of fees is an explicit fiduciary obligation for plan sponsors under ERISA. You must ensure that fees are and continue to be reasonable in light of the services rendered. It’s important for you to understand, and document, how much is being paid, the parties being paid and the services being provided. You should also identify and eliminate potential conflicts of interest among plan providers, advisors, and other parties that influence plan decisions.

     

    We help you establish an oversight process for benchmarking fees and reviewing service arrangements on an annual basis. Benchmarking enhances your ability to evaluate that: 1) the agreement or arrangement is reasonable; 2) the services are necessary, and 3) the compensation is reasonable.

     

    Lower plan costs leads to more money in the accounts of employees and ultimately, a better future.

  • CUT THROUGH THE COMPLEXITY

    How do you get help with the day-to-day operations, questions, and concerns?

    There are many challenges to operating a retirement plan effectively. You are not in the business of managing retirement plans, so it’s important to have an advisor who will coordinate initiatives and interactions to help your plan run smoothly.

     

    We take the lead and relieve you from many of the administrative and compliance burdens. We make the complex simple – by identifying the key issues, interpreting, and providing clear direction on how to move forward.

     

    We serve as an intermediary to help you and your employees resolve concerns, get answers to questions, and conduct ongoing monitoring to determine if other plan providers are performing their duties in a satisfactory and cost-effective manner.

     

    We serve as your advocate and negotiate lower fees and upgraded services with service providers, assuring that fees and potential conflicts of interest are disclosed.

  • SEEK QUALIFIED HELP

    Just because you've had the same relationship for a long time doesn't mean it's working

    While there are a number of financial advisors eager to manage investments, today's plan sponsors need more than investment advice to properly manage their retirement plan. You need an advisor who has the expertise and in-depth knowledge of ERISA and fiduciary standards of conduct AND will serve as a fiduciary to your plan. Your advisor should be able to employ fiduciary “best practices” and perform a broad array of fiduciary and non-fiduciary services such as help with evaluating and selecting appropriate investment options and service providers, meeting ERISA compliance standards, and helping your employees achieve retirement readiness — all while mitigating your fiduciary risk.

    • So how do you know how to find and select a qualified advisor?
    • What characteristics should you look for in a qualified plan advisor?
    • What are the services that distinguish a qualified plan advisor?

    Finding a qualified plan advisor can be difficult for a variety of reasons, including:

    • There is a knowledge gap – plan sponsors are at a disadvantage when they don’t know what they don’t know. As a result, an advisor with exceptional “sales” skills may be chosen over an exceptionally competent advisor that improves plan value, enhances participant outcomes, and reduces liability for the employer and the plan fiduciaries.
    • Most plan sponsors don’t know the questions to ask, nor do they have the proper tools or experience to properly evaluate the answers, the proposal, or the advisor.
    • There is a shortage of time, and although ERISA requires plan sponsors to have sufficient information to make informed decisions about the services, costs, and qualifications of an advisor, few plan sponsors perform proper due diligence when evaluating, hiring, and monitoring their advisor.

    The good news is that you've already found a qualified advisor -- you're on our website! But how do you really know? To many, all advisors look alike on the surface. How do you identify the advisors that engage in better processes to produce better results and create a better experience for your company and your employees?

     

    We suggest you visit Selecting the Right Retirement Plan Advisor as a start, then request the Retirement Plan Advisor Comparison Checklist.

     

    Or click here to schedule a time for us to talk. We're one of only a handful of firms in Northern California that offer true fiduciary responsibility and we take the success of your plan very seriously.

  • IMPROVE WITHOUT A MOVE

    It's not necessary to move your plan to a new recordkeeper or investment provider in order to benefit from our exceptional services. We can service your existing plan and you'll likely find superior service and deeper support at a lower cost than you're currently paying today.

  • HOW WE CHARGE

    Independent conflict-free fiduciary services

    Etzler Financial Advisors offers a full range of retirement plan services customized to meet your needs. Our fee is negotiated in advance and will vary depending on a number of factors, including:

    • Scope of services;
    • Estimated time to perform scope of services;
    • Complexity of the assignment;
    • Size of plan; and
    • Nature and frequency of meetings and reports.

    For continuous services, we generally charge a fixed dollar retainer fee based on the factors listed above. Alternatively, plan sponsors may choose to pay for continuous services using the asset-based fee method. Our services are also available as single service engagements for a fixed fee or on an hourly basis.

     

    For all retirement plan engagements, the fee for services will be determined on a case-by-case basis and payment terms will be fully disclosed in your advisory agreement.

     

    Etzler Financial Advisors is a fee-only fiduciary and we never accept commissions or any other form of third party compensation. We do not receive, share in or accept any fees charged by third parties.

All Posts
×