401(k) and retirement plans for San Ramon, CA businesses
San Ramon, anchored by Bishop Ranch, is home to consulting firms, engineering and technology services, and professional practices. Owners here compete for people who are used to large-company benefits, so the retirement plan matters for hiring.
What San Ramon business owners ask us about
- Owner-only consultancies. A consultant with no employees can often save more with a Solo 401(k) or SEP IRA than with an IRA alone.
- Competing for talent. Employees coming from large companies are often used to a 401(k). A well-designed match and a clear plan can help a small firm compete.
- Growing from a few people to a team. A plan chosen for three employees may not fit twenty. We revisit the design as the firm grows.
- Reviewing an existing plan. We review your plan’s fees, investment menu and design, and explain what we find in plain language.
Why work with Pleasanton Wealth
For San Ramon consultancies 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 San Ramon?
Yes. We work with San Ramon business owners at their office, whether in Bishop Ranch or elsewhere in San Ramon, 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 fits a consultant with no employees?
A Solo 401(k) or a SEP IRA is often a good fit. The better choice depends on income, how much you want to save and whether you plan to hire.
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.