401(k) and retirement plans for Danville, CA businesses
Danville and Blackhawk are home to dental and medical practices, law and accounting firms, real estate offices and other professional firms. Their owners are often high earners who want a retirement plan that lets them save much more than an IRA allows, while treating the staff fairly.
What Danville business owners ask us about
- Saving the maximum as an owner. A safe harbor 401(k), often paired with profit sharing, can let a high-earning owner save substantially more each year while meeting the testing rules.
- Avoiding testing refunds. When owners save much more than staff, a traditional 401(k) can fail nondiscrimination testing. A safe harbor design is built to prevent that, in exchange for a required employer contribution each year.
- Rewarding a small, experienced team. Match formulas and vesting schedules can be shaped to support the people you most want to keep.
- Reviewing an existing plan. Many practices have kept the same plan for years. We review fees, investments and design against the practice as it is today.
Why work with Pleasanton Wealth
For Danville and Blackhawk practices and professional firms, Pleasanton Wealth is a fee-only fiduciary firm dedicated to small business retirement plans. It is led by a CFA® charterholder with more than 20 years in investments and finance, including a career at Charles Schwab. For 401(k) plans we serve as an ERISA 3(38) investment manager, taking responsibility for selecting and monitoring the plan’s investments. There are no commissions, fees are disclosed in writing before you sign, and 401(k) plan assets are held by the plan’s own custodian and recordkeeper, not by us.
Questions
Do you work with businesses in Danville and Blackhawk?
Yes. We work with Danville and Blackhawk business owners at their office or by video.
Is Pleasanton Wealth a fee-only fiduciary?
Yes. Pleasanton Wealth LLC is a California-registered investment adviser and a fiduciary to its clients. We are compensated only by client fees, never commissions. Our fees are simple and transparent: generally based on assets under management (AUM), and always disclosed in writing before you sign.
What plan lets a practice owner save the most?
It depends on payroll and staff ages, but a safe harbor 401(k) with profit sharing is a common starting point for high-earning owners. We model the options for your practice before recommending one.
Starting a plan, or reviewing the one you have?
The initial plan review is complimentary. Tell us a little about your business. We aim to reply within one business day.
General educational information as of September 2026; rules and limits change. Not individualized investment, tax or legal advice. Pleasanton Wealth does not provide tax or legal advice; we coordinate with your CPA and attorney.