Educational Retirement Workshops

To access an individual section, click on one of the following links:

Co-Marketing with Mortgage Brokers and Lenders, Real Estate Brokers, Attorneys

Your business can vastly benefit by offering to your clients education in their own financial literacy. A client that understands his own financial plan will be more active and utilize your services more often than someone who blindly follows the herd.

We offer to you:

  • An opportunity to invite your clients to a free “appreciation” dinner, hosted by you, paid for by RBC, where they will be entertainingly educated in the basic principals of financial literacy.
  • Written invitations with your logo, sent to your customers, paid for by RBC.
  • The chance to reinforce the branding of your own company, while positioning you as a friendly and trusted advisor in helping them to understand and implement their own financial plan.
  • We will call all of your clients and personally invite them to this event in your name.
  • Education for your clients, not a sales pitch.

At a event in Riverside, 3 new mortgages were generated by the activity of the phone calls alone. At the event, 100% of the attendees requested a personal consultation and these consultations included mortgage optimization, as refinancing, when appropriate, is part of the plan. RBC sends these people back to their mortgage broker for specific professional advice. Many investors have more than one mortgage broker and we want to help consolidate these for you as their trusted business partner.

Attorneys will find that their clients will be encouraged to invest in asset protection and trust services and Real Estate Brokers will have the opportunity to generate new business and referrals.

To set up an event for your clients, call us at (800) 929-1RBC (800-929-1722). EXT 111

Human Resources Personnel / Your Employees / Employer Organizations

We want to help you keep your valuable employees. One way to do this is to make sure that they are thoroughly educated to take full advantage of your employee benefits program. When their future and their families are invested with you, they will be a more stable employee, be more loyal and will be inclined to stay with your company longer.

You already spend so much money on your employees and their benefits programs, but are they taking full advantage of what you are providing?

  • Most employees do not fully understand or appreciate the benefits provided to them by their employers.
  • Low contribution levels affect everyone in the company; higher levels of participation will benefit everyone. They will participate if they understand the benefits.
  • Human Resources Departments are usually overloaded with inquiries on their retirement plans and they are not trained or licensed to answer them.

Did you know that you as an employer are personally liable to make sure that your employees understand the potential benefits available to them and do not harm themselves financially in the plan? Since you are probably not an expert in benefits plans, how can you most easily do this?

RETIREMENT BENEFITS CONSULTING offers a service to your company designed to increase participation in your existing benefit plans, optimizing these benefits for each employee and thereby creating more stable employees who understand their benefits and have a self-interest in staying with your company.

Why can’t this service be delivered by the person who sold your company the retirement plans in the first place?

The company that originally set up your plans does not have the time or motivation to sit down with each of your employees and work out their individual situations, taking into account their family circumstances and additional factors such as Social Security to come up with an personal plan just for that employee. The company that set up your plan has a target of the dollar amount of “assets under management” and therefore is not occupied with the employee’s other circumstances. Their job is to sell retirement plans, not help participants manage their finances. We offer individual analyses showing the impact for each employee, their families and their future. We act as a complement to your original company at no additional cost to you

How does this service work?

1. We will meet with you and your executives to determine the company goals.

2. We will meet with Human Resources and thoroughly acquaint ourselves with your company’s benefit plans, the current participation rate and the goals and plans of HR.

3. We will present you with a plan that outlines the agreed upon goals and expectations.

This document can be presented to the IRS, Department of Labor or any such agency as evidence of your efforts to fulfill your fiduciary responsibility to your employees.

4. We will deliver an orientation or a series of orientations to your employees that result in a thorough understanding of the benefits available to them. Topics will include how the retirement plan works (401K, 403B, Social Security, STRS/PERS, Pension Plans, etc.), and how to allocate contributions within these. As part of this service, we will offer to them an individual paycheck analysis to determine the number of exemptions for retirement contribution planning, a current needs analysis, future retirement needs and gap analysis. They will also have access to us for professional retirement consulting on a one-on-one basis.

5. We will deliver a report back to management on the results and evaluation of the orientation based on the goals set up originally, along with a report of the levels of satisfaction of the employees and make any suggestions or recommendations for future education or needs of your employees.

When an employee fully understands the benefits of staying with your company and has had his own personal benefits situation optimized just for his individual circumstances, he will be a more stable asset. And he will be more interested in contributing to the future of your company because he understands that you are interested in his future also.

What about your new or retiring employees?

You probably have had new employees come on since your plan was originally introduced. We can help bridge this gap by meeting with new employees in an on-going process, quarterly or annually. We will also help your retiring and terminated employees, advising them on their options and encouraging them to roll over their 401(k) funds, so that it no longer costs you money to manage these.

You have everything to gain by having us educate your employees in managing their money and their futures wisely. Many of them are in trouble financially and this causes problems in the workplace. Employees in debt are a liability. People leave jobs, seeking higher pay when often the problem is one of spending patterns or poor planning. This can be remedied, in many cases, by the program that we deliver.

Contact us today at (800) 929-1RBC to arrange a meeting to discuss how we can increase participation of your employees in your benefits plan and to optimize their individual situations for the future.


Our experience with non-profit and public employees has been the foundation of our business. For many years our workshops with these employees have resulted in their understanding of their plans and/or pensions and therefore being able to best utilize what was being made available to them. For their employers this means that their plans / pensions have more participation with employees that are stable and long-term.

These workshops follow the same pattern as outlined above. (link to HR Personnel, etc.)

Employees in Transition

Transitions can happen and most likely will happen in your employment life. Many people change jobs 6 to 7 times in their lifetime. Our Consultants will work with you to teach you:

  • How to leverage assets while you are in transition to see you through financially.
  • How to transition your employee benefits.
  • How COBRA works to maintain your group health insurance.
  • The most common mistakes that can get you into trouble with the IRS.
  • The tools and resources necessary to not be destitute if you lose your job.
  • How to survive a period of unemployment without going broke.
  • How to evaluate the benefits packages of prospective employers.
  • How to take distributions before age 59½ with no penalty.

Education of Business Owners

We understand your concerns and problems and have developed a line of unique services and products just for you as a business owner. We can show you how to save in a low cost / high benefit way, how to have fully tax deductible Medical and Life Insurance, and ways to decrease your tax burden and create a nest egg with minimal effect on your cash flow. We have done all the leg-work and can set all this up for you in just one workshop.

Other Investment Professionals

Your business can vastly benefit by offering to your clients education in their own financial literacy. A client that understands his own financial plan will be more active and utilize your services more often that someone who blindly follows the herd.

We will deliver financial workshops to your clients, hosted by you, paid for by RBC, that will entertainingly educate them and give you the opportunity to meet with them in a position of a partner in their financial future, rather than as a sales person.