California business owners: the state is about to pick your retirement plan for you.

If you have employees in CA and don’t have a qualified plan in place, you’re required to set one up (or you’ll get defaulted into CalSavers).

CalSavers is fine as a bare‑minimum box‑check.

But if you’re the owner, it’s almost never the best option.

You can do a lot better with a properly designed:

• 401(k)
• Employer match
• Profit‑sharing
• Cash balance plan (for big deferrals)

For some owners we work with, that combo lets them defer $300K+ per year into retirement accounts, pre‑tax, to invest for themselves and their spouse, while still giving employees a solid benefit.

End result:

• You comply with the CA mandate
• Your employees get a legitimate retirement benefit
• You, as the owner, get to push a lot more into tax‑advantaged buckets than CalSavers will ever allow

If you’re a CA business owner and:

• You know you need something in place this year
• You don’t want to be stuck with the default CalSavers setup
• And you’re interested in maximizing your pre‑tax savings while staying fair to staff

…I help design and implement exactly these kinds of 401(k) + cash balance plans.

If you want to see what a custom plan could look like for your business (and what you could realistically defer each year), the easiest way to explore it is a brief call – the link’s in my profile.