Retirement Planning
California employers that meet certain requirements must offer a retirement plan by a specific date — either a plan through the state-sponsored CalSavers program, or by establishing their own qualified retirement plan: 401(a), 401(k), 403(a), 403(b), 408(k), or 408(p). Whether you are looking to start a retirement plan or move an existing one, Arroyo-South Bay is here to assist you and your employees.
Key Features of Retirement Planning
Retirement Planning
Financial Wellness
In 2025, top employee benefit trends in California are expected to include Financial Wellness. This includes not only offering retirement plan options but helping your employees manage them by regular education and mobile tools to have access at their fingertips.
Financial Education
Arroyo - South Bay works with all major retirement planning financial institutions including Empower, Fidelity, John Hancock, T.RowePrice, Charles Schwab, etc. and helps employers access available education and tools. Does your retirement planning broker provide employee education on a regular basis? The more your employees receive valuable retirement planning information, the faster their nest eggs will grow.
Employee Retention
Employers who offer Financial Wellness benefits can help employees feel more engaged, trusted, and resilient. They can also help companies retain top talent and foster a culture of innovation.
Now is the Time!
If you are ready to add a retirement plan or change your current provider for your company, Arroyo-South Bay can help. Click below to get an appointment with John Moody, CFP, CLU, ChFC.
Retirement Planning
Retirement Planning is more important than ever!
Arroyo-South Bay is here to help you and your employees navigate the complexities of retirement planning.
- Financial wellness: Helping employees manage their finances
- Retirement savings: Helping employees save for retirement
- Student loan assistance: Reimbursing employees for student loans
- Financial education and counseling
Meet John M. Moody, CFP, CLU, ChFC
Your Expert in Benefits and Life
John M. Moody, CFP, CLU, ChFC leads the Arroyo-South Bay Group Benefits Brokerage (HR, Admin Worksite, Voluntary Enrollment, PEO) Pension, 401K, Profit-Sharing, Long Term Care, Deferred Compensation, Estate Advisory Services and serves a variety of industries such as real estate, hospitality and restaurants, construction, technology, manufacturing, entertainment, trucking, breweries and wineries, and environmental to name a few. Provides employee benefits brokerage to companies sized 1-1000 employees and works with every major healthcare, life, voluntary and TPA carrier.
Client Services
Customized Insurance for Every Need
From business and personal insurance to employee benefits and private client services, Arroyo South Bay provides precision solutions to protect what matters most.
