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# Monterey Wealth

## Sitemaps

- [XML Sitemap](https://montereywealth.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Blog](https://montereywealth.com/blog-2/)
- [Disclosures](https://montereywealth.com/2020/06/15/disclosures/) - MFP-Privacy-PolicyDownload MFP-Code-of-EthicsDownload Monterey-Form-CRSDownload Cohen ADV Part 2B 8.28.2026Download Duncan ADV Part 2B 8.28.2026Download Henderson ADV Part 2B 8.28.2026Download MWP ADV Part 2A 8.28.2026Download MWP ADV Part 1 - 8.28.2026Download
- [A Road Map to the Coming US Economic Cycle](https://montereywealth.com/2020/12/22/a-road-map-to-the-coming-us-economic-cycle/) - 2020.12.22-A-Road-Map-to-the-Coming-US-Economic-Cycle-Context-_-ABDownload
- [Election Thoughts](https://montereywealth.com/2020/10/22/election-thoughts/) - 2020.10.22-Monterey-Wealth-Market-CommentaryDownload
- [Profits Poised for Growth](https://montereywealth.com/2020/10/13/profits-poised-for-growth/) - Earnings season began today with JP Morgan beating estimates. Brian Wesbury of FirstTrust explains that expected growth in profits is what drive stock market performance. http://www.ftportfolios.com/blogs/EconBlog/2020/10/12/profits-poised-for-growth
- [What a Year! What a Week!](https://montereywealth.com/2020/10/05/what-a-year-what-a-week/) - https://www.ftportfolios.com/Commentary/EconomicResearch/2020/10/2/what-a-year-what-a-week
- [Market Volatility & the Recovery](https://montereywealth.com/2020/09/08/market-volatility-the-recovery/)
- [Biden's Tax Hike Agenda](https://montereywealth.com/2020/08/18/bidens-tax-hike-agenda/) - 2020.08.17-First-Trust-Monday-Morning-OutlookDownload
- [There's No Such Thing As a Free Lunch](https://montereywealth.com/2020/07/27/theres-no-such-thing-as-a-free-lunch/) - 2020.07.20-First-Trust-Monday-Morning-OutlookDownload
- [Stock Market vs. Economy](https://montereywealth.com/2020/07/14/stock-market-vs-economy/) - 2020.07.14-Why-Stock-Market-Is-So-StrongDownload
- [Quarterly Economic Forecast](https://montereywealth.com/2020/07/07/quarterly-economic-forecast/) - TDA-Quarterly-UpdateDownload
- [Not Locking Down](https://montereywealth.com/2020/06/30/not-locking-down/) - 2020.06.29-First-Trust-Monday-Morning-OutlookDownload
- [DOL Proposal Could Chill the Use of ESG in Retirement Funds](https://montereywealth.com/2020/06/25/dol-proposal-could-chill-the-use-of-esg-in-retirement-funds/) - The DOL published for public comment a proposal to update and clarify its investment duties regulation for employer-sponsored retirement plans, such as 401ks, that are governed by ERISA. It emphasizes that a retirement plan must focus on financial returns for participants. The DOL proposal could chill the use of socially responsible investments in retirement plans,
- [Saving and the Shutdown](https://montereywealth.com/2020/06/23/saving-and-the-shutdown/) - 2020.06.22-Saving and the ShutdownDownload
- [Productivity Bounces](https://montereywealth.com/2020/02/21/productivity-bounces/) - Weekly_Market_Commentary_02182020Download
- [J.P. Morgan | Guide to the Markets - 3Q 2019](https://montereywealth.com/2019/07/08/j-p-morgan-guide-to-the-markets-3q-2019/) - 3Q19 JPM Market GuideDownload
- [LPL Research 2019 Mid-Year Outlook](https://montereywealth.com/2019/06/25/lpl-research-2019-mid-year-outlook/) - Mid Year Outlook 2019Download
- [Stocks and Fed Rate Cuts](https://montereywealth.com/2019/06/18/stocks-and-fed-rate-cuts/) - Weekly_Market_Commentary_06172019Download
- [Bull Market for Policy Uncertainty](https://montereywealth.com/2019/06/11/bull-market-for-policy-uncertainty/) - Weekly_Market_Commentary_06102019Download
- [Bond Markets' Signal to Stocks](https://montereywealth.com/2019/06/06/bond-markets-signal-to-stocks/) - Weekly_Market_Commentary_06032019Download
- [Five Forecasters: Few Warning Signs](https://montereywealth.com/2019/05/28/five-forecasters-few-warning-signs/) - Five Forecasters: Few Warning SignsDownload
- [Earnings Season Takeways](https://montereywealth.com/2019/05/21/earnings-season-takeways/) - Earnings Season TakeawaysDownload
- [Sell In May?](https://montereywealth.com/2019/05/07/5366/) - Sell In May?Download
- [Stocks Reach Record Highs](https://montereywealth.com/2019/04/30/stocks-reach-record-highs/) - Stocks Reach Record HighDownload
- [What's Priced In](https://montereywealth.com/2019/04/17/whats-priced-in/) - Weekly Market Commentary 04.15.2019Download
- [Q1 Earnings Preview: Light At The End of The Tunnel](https://montereywealth.com/2019/04/09/q1-earnings-preview-light-at-the-end-of-the-tunnel/) - Weekly_Market_Commentary_04082019Download
- [OUR FINAL FOUR FOR THE U.S. ECONOMY](https://montereywealth.com/2019/04/02/our-final-four-for-the-u-s-economy/) - Weekly_Economic_Commentary_04.01.2019Download
- [Balanced Risk Reward](https://montereywealth.com/2019/03/27/balanced-risk-reward/) - Weekly Market Commentary 03.27.2019Download
- [Movin' On Up (In Market Cap)](https://montereywealth.com/2019/03/19/movin-on-up-in-market-cap/) - Weekly_Market_Commentary_03.18.2019Download
- [Modest Pullback or Something Bigger](https://montereywealth.com/2019/03/12/modest-pullback-or-something-bigger/) - Modest Pullback or Something BiggerDownload
- [The Bull Turns 10](https://montereywealth.com/2019/03/05/the-bull-turns-10/) - The Bull Turns 10Download
- [Five Key Questions](https://montereywealth.com/2019/02/26/five-key-questions/) - Five Key QuestionsDownload
- [The Rally Continues](https://montereywealth.com/2019/02/19/the-rally-continues/) - The Rally ContinuesDownload
- [Key Takeaways From Fourth Quarter Earnings](https://montereywealth.com/2019/02/12/key-takeaways-from-fourth-quarter-earnings/) - Key Takeaways From Fourth Quarter EarningsDownload
- [That Was The Easy Part](https://montereywealth.com/2019/02/05/that-was-the-easy-part/) - Weekly_Market_Commentary_02042019Download
- [IS THE FED ALMOST DONE?](https://montereywealth.com/2019/01/29/is-the-fed-almost-done/) - Is The Fed Almost Done?Download
- [MAIN STREET’S GROWING UNCERTAINTY](https://montereywealth.com/2019/01/22/main-streets-growing-uncertainty/) - Main Street's Growing UncertaintyDownload
- [A Historical Government Shutdown](https://montereywealth.com/2019/01/15/a-historical-government-shutdown/) - A Historic Government ShutdownDownload
- [FOURTH QUARTER EARNINGS PREVIEW: FROM GREAT TO GOOD](https://montereywealth.com/2019/01/15/fourth-quarter-earnings-preview-from-great-to-good/) - Weekly_Market_Commentary_01142019Download
- [Lower Valuations Offer Long-Term Opportunity](https://montereywealth.com/2019/01/08/lower-valuations-offer-long-term-opportunity/) - Weekly_Market_Commentary_01.08.2019Download
- [Strong Week Ahead of Big Weekend](https://montereywealth.com/2018/12/05/strong-week-big-weekend/) - Strong Week Ahead Of Big Weekend
- [Corporate America Impresses Again](https://montereywealth.com/2018/11/27/corporate-america-impresses/) - Corporate America Impresses Again
- [The Bright Side](https://montereywealth.com/2018/11/06/bright-side/) - The Bright Side
- [Another Tough Week](https://montereywealth.com/2018/10/30/tough-week/) - Another Tough Week
- [Earnings Update: So Far So Good](https://montereywealth.com/2018/10/23/earnings-update-good/) - Earnings Update: So Far So Good
- [Perspective on Market Volatility](https://montereywealth.com/2018/10/17/perspective-market-volatility/) - Perspective on Market Volatility
- [Global Equity Market Outlook: Favor U.S.; Stick With EM](https://montereywealth.com/2018/10/09/global-equity-market-outlook-favor-stick-em/) - Weekly_Market_Commentary_10082018
- [Best Quarter for Stocks Since Q4 2013](https://montereywealth.com/2018/10/02/quarter-stocks-q4-2013/) - Weekly_Market_Commentary_10012018
- [The Dow Joins The Party](https://montereywealth.com/2018/09/25/dow-joins-party/) - The Dow Joins The Party
- [Midterm Mayhem](https://montereywealth.com/2018/09/20/midterm-mayhem/) - Midterm Mayhem
- [Is EM Washed Out?](https://montereywealth.com/2018/09/11/em-washed/) - Weekly_Market_Commentary_09.10.2018
- [S&P Sector Switcheroo](https://montereywealth.com/2018/09/05/sp-sector-switcheroo/) - S&P Sector Switcheroo
- [Another Impressive Show From Corporate America](https://montereywealth.com/2018/08/28/impressive-show-corporate-america/) - Weekly_Market_Commentary_08272018
- [Is Turkey A Reason To Sell EM?](https://montereywealth.com/2018/08/21/turkey-reason-sell-em/) - Is Turkey A Reason To Sell EM?
- [Longest Bull Market Ever](https://montereywealth.com/2018/08/14/longest-bull-market/) - Weekly_Market_Commentary_08.13.2018
- [Focus FAQs](https://montereywealth.com/2018/08/06/focus-faqs/) - Weekly_Market_Commentary_08.06.2018
- [Go Active?](https://montereywealth.com/2018/08/01/active/) - Weekly_Market_Commentary_07.30.2018
- [2018 Midyear Stock Market Outlook: Second Half Rally?](https://montereywealth.com/2018/07/23/2018-midyear-stock-market-outlook-rally/) - 2018.07.16_Weekly_Market_Commentary
- [Playing The Capex Theme](https://montereywealth.com/2018/06/21/playing-capex-theme/) - Weekly_Market_Commentary_06182018
- [Five Keys To Emerging Market Outlook](https://montereywealth.com/2018/05/22/keys-emerging-market-outlook/) - Five Keys To Emerging Market Outlook
- [Impressive Earnings Season](https://montereywealth.com/2018/05/15/impressive-earnings-season/) - Impressive Earnings Season
- [Don't Sell In May](https://montereywealth.com/2018/05/09/4162/) - Don't Sell In May
- [Myth Busting](https://montereywealth.com/2018/04/24/myth-busting/) - Myth Busting
- [Did Stocks Bottom?](https://montereywealth.com/2018/04/17/stocks-bottom/) - Did Stocks Bottom?
- [“First Quarter Earnings Preview: What to Watch”](https://montereywealth.com/2018/04/10/quarter-earnings-preview-watch/) - “First Quarter Earnings Preview: What to Watch”
- [2Q Guide To The Markets](https://montereywealth.com/2018/04/05/2q-guide-markets/) - 2018.4.5 Q2 2018 Guide to Markets
- [The Stock Market's Final Four Factors](https://montereywealth.com/2018/03/27/stock-markets-final-factors/) - The Stock Market's Final Four Factors
- [Will This Sixteen Be Sweet?](https://montereywealth.com/2018/03/20/sixteen-sweet/) - Will This Sixteen Be Sweet?
- [Five Forecasters: Few Warning Signs](https://montereywealth.com/2018/03/13/forecasters-warning-signs/) - Five Forecasters: Few Warning Signs
- [5 Key Policies For Growth](https://montereywealth.com/2018/03/08/5-key-policies-growth/) - 5 Key Policies For Growth
- [Raising 2018 Earnings Forecast](https://montereywealth.com/2018/02/28/raising-2018-earnings-forecast/) - Weekly_Market_Commentary_02262018
- [Out Of The Woods?](https://montereywealth.com/2018/02/21/woods/) - Weekly_Market_Commentary_02202018
- [Correction Perspectives](https://montereywealth.com/2018/02/13/correction-perspectives/) - Weekly_Market_Commentary_02122018
- [Not A Heart Attack; Just Heartburn](https://montereywealth.com/2018/02/05/heart-attack-heartburn/) - Not A Heart Attack; Just Heartburn
- [Records, Risks and Returns](https://montereywealth.com/2018/01/30/records-risks-returns/) - Weekly_Market_Commentary_01292018
- [Fourth Quarter Earnings Season Off To A Good Start](https://montereywealth.com/2018/01/23/fourth-quarter-earnings-season-good-start/) - Weekly_Market_Commentary_01222018
- [Q1 2018 Guide to the Markets](https://montereywealth.com/2018/01/08/q1-2018-guide-markets/) - 1Q 2018 Market Guide JPM
- [Investment Implications of the New Tax Law: Equities at a Glance](https://montereywealth.com/2018/01/03/investment-implications-tax-law-equities-glance/) - Weekly_Market_Commentary_01022018
- [Understanding Your Fiduciary Responsibilities](https://montereywealth.com/2012/01/05/understanding-fiduciary-responsibilities/) - All retirement plans have certain key elements. These include: A written plan that describes the benefit structure and guides day-to-day operations A trust fund to hold the plan's assets (If a plan is set up through an insurance contract, the contract does not need to be held in trust) A recordkeeping system to track the
- [Understanding Year End Compliance Testing](https://montereywealth.com/2012/01/12/understanding-year-compliance-testing/) - Compliance testing is an annual IRS requirement for all qualified retirement plans and serves as a checkpoint to ensure compliance with Internal Revenue Code and ERISA provisions. Testing results for your plan will be provided for the following (based on the Plan Design, some of these tests may not be required for your Retirement Plan):
- [How to Make the Year End Testing Data Collection Process Painless](https://montereywealth.com/2012/01/19/year-testing-data-collection-process-painless/) - You've heard it before…you get out what you put in (garbage in, garbage out). The end of the year has passed, signaling important assignments for plan administrators. A key and important task is the gathering of year-end employee census data, which will be used for plan contribution and testing purposes. It is important to compile
- [Confirm Adequate Fidelity Bond Coverage](https://montereywealth.com/2012/01/26/confirm-adequate-fidelity-bond-coverage/) - On the IRS’s Website, “inadequate or no fidelity bond” is listed as the number two defect that compliance officers found during audits. All qualified retirement plans are subject to Title I of the Employee Retirement Income Security Act [ERISA] of 1974. A fidelity bond protects the plan against loss resulting from fraudulent or dishonest acts
- [Key Plan Information You Must Provide Automatically or Upon Request](https://montereywealth.com/2012/02/02/key-plan-information-provide-automatically-request/) - Each retirement plan is required to have a formal, written plan document that details how it operates and its requirements. In addition, Retirement plans are required to provide numerous disclosures to plan participants and other individuals who maintain a balance in your plan. It is important to note that terminated participants, if they still carry
- [What Triggers an Audit by the DOL?](https://montereywealth.com/2012/02/09/triggers-audit-dol/) - The Employee Benefits Security Administration (EBSA) is responsible for ensuring the integrity of private employee retirement plans. In 2010, the DOL conducted 3,112 civil investigations, with almost 75% of them resulting in findings of one or more violations. These findings led to the collection of $1.05 Billion through plan restorations, fines, and penalties. A very
- [How to Prepare for a Successful DOL Audit](https://montereywealth.com/2012/02/16/prepare-successful-dol-audit/) - Last week, we shared nine specific ways to avoid a visit from your local “friendly” DOL investigator. Rumors continue to swirl that the DOL is increasing its audits of 401(k) plans. A DOL 401(k) audit can be triggered by (1) an employee complaint; (2) information submitted on your retirement plan’s annual Form 5500 filing; or
- [How to Remain ERISA Section 404(c) Compliant](https://montereywealth.com/2012/02/23/remain-erisa-section-404c-compliant/) - ERISA Section 404(c) allows for 401(k) and profit sharing plans to be set up to make participants or beneficiaries responsible for selecting their investment elections. Plans are not required to comply with ERISA Section 404(c), but by doing so, it substantially reduces fiduciary’s liability for the performance of the investments selected by the participants and
- [Full and Limited Scope Audits](https://montereywealth.com/2012/03/15/full-limited-scope-audits/) - Generally, an audit by an independent qualified public accounting firm is required when a plan reaches “large plan” status. Schedule H must be filed with the Form 5500. A plan is considered a “large plan” when there are 100 or more participants at the beginning of the plan year; conversely a “small plan” has less
- [Summary Plan Description](https://montereywealth.com/2012/03/22/summary-plan-description/) - The Employee Retirement Income Security Act (ERISA) requires that plan administrators give participants and beneficiaries a Summary Plan Description (SPD) describing their rights, benefits, and responsibilities under the plan in easy-to-understand language. Your Recordkeeper and/or TPA provides the SPD. New participants must receive a copy of the SPD within 90 days of joining the plan.
- [Determine Plan Eligibility](https://montereywealth.com/2012/03/29/determine-plan-eligibility/) - One area that can get neglected in the administration of a retirement plan is tracking employee eligibility for the company’s retirement plan, per the plan documents. The plan could have different rules for different provisions of the plan – employee contributions, employer contributions and possibly profit sharing contributions. Tracking eligibility in an on-going and timely
- [The Adoption Agreement: The Plan Administrator’s Best Friend…provided you follow plan terms](https://montereywealth.com/2012/04/05/adoption-agreement-plan-administrators-friendprovided-follow-plan-terms/) - There are several documents that, as a Plan Administrator, you should be very familiar with because they drive the administration of your company’s retirement plan. One that you should be very familiar with – like a best friend – is your Plan’s Adoption Agreement. When was the last time you read your Plan’s Adoption Agreement
- [Correcting ADP or ACP Test Failures](https://montereywealth.com/2012/03/08/correcting-adp-acp-test-failures/) - Bad news…you’ve just been informed by your Third-Party Administrator (TPA) that your 401(k) Plan failed its ADP/ACP tests. The good news…there are several ways to correct a failed ADP/ACP tests. Failed ADP/ACP tests must be corrected within 12 months or the Plan will be disqualified. To correct an excess, your company can make additional qualified
- [Evaluating Your Plan’s QDIA](https://montereywealth.com/2012/03/01/evaluating-plans-qdia/) - The Pension Protection Act of 2006, signed by President Bush on August 17, 2006, removed several deterrents that made employers hesitant to add an automatic enrollment feature to their 401(k)plan. A key one of these is to allow plan fiduciaries to invest participant assets in certain types of qualified default investment alternatives (QDIA) whenever the
- [Decoding Your Adoption Agreement 01: Verify Employer Information](https://montereywealth.com/2012/04/12/decoding-adoption-agreement-01-verify-employer-information/) - Your retirement plan’s Adoption Agreement contains key employer identifiers. These include: Legal business name Address Federal Tax Identification Number Month and day that the tax year ends Type of business (Partnership, C Corporation, LLC, etc.) Name of Plan Plan Number Account Number, usually assigned by your Plan’s platform provider (e.g., Ascensus, The Hartford, The Newport
- [Decoding Your Adoption Agreement 02: Understand the Definition of Eligibility](https://montereywealth.com/2012/04/19/decoding-adoption-agreement-02-understand-definition-eligibility/) - Your retirement plan’s Adoption Agreement specifies the requirements an employee must meet in order to be considered eligible to participate in the plan. Generally, eligibility is based on age and/or years of service. You can also have no age or service requirements. Service Requirements 12 months is the maximum waiting period permitted by law. If
- [Decoding Your Adoption Agreement 03: Understand the Definition of Compensation](https://montereywealth.com/2012/04/26/decoding-adoption-agreement-03-understand-definition-compensation/) - The term compensation is important in the design and operation of a retirement plan. Compensation determines how much the employee and employer can contribute to the plan and also directly affects the results of the plan’s annual nondiscrimination testing. Review your Adoption Agreement to accurately determine how compensation is defined for your plan. Options to
- [Decoding Your Adoption Agreement 04: Elective Deferrals](https://montereywealth.com/2012/05/03/decoding-adoption-agreement-04-elective-deferrals/) - Elective deferrals are made at the election of the Participant pursuant to a salary reduction. There are several key points the Plan Sponsor should be familiar with in the management of their retirement plan. Deferral Limits Your Adoption Agreement will state if there is a limit on the dollar amount or percentage that Participants can
- [Decoding Your Adoption Agreement 05: Employer Contributions](https://montereywealth.com/2012/05/10/decoding-adoption-agreement-05-employer-contributions/) - Employer contributions are made by the Employer for the benefit of designated employees. Among other things, the Adoption Agreement will identify the types of employer contributions that the Plan provides, whether contributions are mandatory or discretionary, and what the eligibility requirements for employees to receive each type of contribution are. Annual Combined Limit on
- [Inspiration from the Pre-Fall Collection](https://montereywealth.com/2016/08/26/inspiration-from-the-pre-fall-collection/) - The hottest trend on the Spring/Summer 2016 runway, the slip dress stole the spotlight once more in the pre-Fall/Winter 2016-2017 collections. First made famous by Kate Moss in the Nineties, take a closer look at our favorite pre-Fall pieces. Morbi interdum mollis sapien. Sed ac risus. Phasellus lacinia, magna a ullamcorper laoreet, lectus arcu pulvinar
- [Get The Look: Trip to the Maldives](https://montereywealth.com/2016/08/16/get-the-look-trip-to-the-maldives/) - Get the look egestas, ante et vulputate volutpat, eros pede semper est, vitae luctus metus libero eu augue. Morbi purus libero, faucibus adipiscing, commodo quis, gravida id, est. Sed lectus. Praesent elementum hendrerit tortor. Sed semper lorem at felis. Vestibulum volutpat, lacus a ultrices sagittis, mi neque euismod dui, eu pulvinar nunc sapien ornare nisl.
- [Paris Hilton: Wedding Shoot at Singapore](https://montereywealth.com/2016/08/16/paris-hilton-wedding-shoot-at-singapore/) - Wedding egestas, ante et vulputate volutpat, eros pede semper est, vitae luctus metus libero eu augue. Morbi purus libero, faucibus adipiscing, commodo quis, gravida id, est. Sed lectus. Praesent elementum hendrerit tortor. Sed semper lorem at felis. Vestibulum volutpat, lacus a ultrices sagittis, mi neque euismod dui, eu pulvinar nunc sapien ornare nisl. Phasellus pede
- [Markup: HTML Tags & Formatting](https://montereywealth.com/2016/08/16/markup-html-tags-formatting/) - Headings Header one Header two Header three Header four Header five Header six Blockquotes Single line blockquote: Stay hungry. Stay foolish. Multi line blockquote with a cite reference: People think focus means saying yes to the thing you've got to focus on. But that's not what it means at all. It means saying no to
- [Things I Love About Italy Right Now](https://montereywealth.com/2016/08/16/things-i-love-about-italy-right-now/) - Cheer egestas, ante et vulputate volutpat, eros pede semper est, vitae luctus metus libero eu augue. Morbi purus libero, faucibus adipiscing, commodo quis, gravida id, est. Sed lectus. Praesent elementum hendrerit tortor. Sed semper lorem at felis. Vestibulum volutpat, lacus a ultrices sagittis, mi neque euismod dui, eu pulvinar nunc sapien ornare nisl. Phasellus pede
- [Organic & Sustainable Nutrition](https://montereywealth.com/2016/08/16/organic-sustainable-nutrition/) - Muh sed egestas, ante et vulputate volutpat, eros pede semper est, vitae luctus metus libero eu augue. Morbi purus libero, faucibus adipiscing, commodo quis, gravida id, est. Sed lectus. Praesent elementum hendrerit tortor. Sed semper lorem at felis. Vestibulum volutpat, lacus a ultrices sagittis, mi neque euismod dui, eu pulvinar nunc sapien ornare nisl. Phasellus
- [Happiness is only real when share & care](https://montereywealth.com/2016/08/16/happiness-is-only-real-when-share-care/) - Morbi interdum mollis sapien. Sed ac risus. Phasellus lacinia, magna a ullamcorper laoreet, lectus arcu pulvinar risus, vitae facilisis libero dolor a purus. Sed vel lacus. Mauris nibh felis, adipiscing varius, adipiscing in, lacinia vel, tellus. Suspendisse ac urna. Etiam pellentesque mauris ut lectus. Nunc tellus ante, mattis eget, gravida vitae, ultricies ac, leo. Integer
- [Today’s Photo: “Selfies With Purpose”](https://montereywealth.com/2016/08/16/todays-photo-selfies-with-purpose/) - Think of it this way: Because I know how those jersey T-shirt dresses fit me at Pucci — given I like a little breathing room — I could use that information to tell other women of my size and shape what size they should buy. And take lots of pictures of me to show them! Sed
- [Air Conditioning Is Actually Making You Hotter](https://montereywealth.com/2016/08/16/air-conditioning-is-actually-making-you-hotter/) - The Northeast of this esteemed country has, if you haven’t heard, been engulfed in a mind-numbing heat wave for the last week or so, and people have basically been leaving half their water weight on the subway platforms of New York City. Sed egestas, ante et vulputate volutpat, eros pede semper est, vitae luctus metus libero
- [Bike Shed: “Cafe Racer Festival” in New York City](https://montereywealth.com/2016/08/16/bike-shed-cafe-racer-festival-in-new-york-city/) - The Montlhery Cafe racer festival is a relatively new event in it’s 4th year in 2016, not to be missed. The second part of our weeks’ tour, which totals approximately 1,500km (900 miles) takes us to one of the most impressive automotive museums in Europe: the French National Motor Museum in Mulhouse, which was often
- [Men’s Cars: Pierre & His Saab](https://montereywealth.com/2016/08/15/mens-cars-pierre-his-saab/) - Destination pintxos liveable, espresso finest izakaya signature St Moritz exclusive Sunspel Winkreative Comme des Garçons Shinkansen essential iconic. A good adult picker can harvest over two hundred pounds of cherries and earn $8 a day, more than twice the Guatemalan minimum daily wage. Hand-crafted artisanal espresso Morbi interdum mollis sapien. Sed ac risus. Phasellus lacinia,

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- [Employee Education](https://montereywealth.com/employee-education/) - 40% of employees say financial or money matters cause them the most stress in a recent survey*. Additionally, 62% of employees would be attracted to another company that cares more about their financial well-being.At Monterey Wealth we offer our time to visit on-site and discuss financial matters in a one-on-one setting. However, an affective employee
- [Financial Planning Services](https://montereywealth.com/financial-planning/) - Financial PlanningMoney is one of the most sensitive topics couples and families can discuss. Many of the insecurities that come with money can be addressed in the course of a comprehensive financial plan. As trained CERTIFIED FINANCIAL PLANNERSTM, Monterey Wealth leverages technology to build a custom plan for your specific situation. Our mission is to
- [Tachyon - Summitt 401k Discussion](https://montereywealth.com/tachyon-summitt-401k-discussion/)
- [MARR 401k Meeting](https://montereywealth.com/marr-401k-meeting/) - December 10, 2020
- [Blog](https://montereywealth.com/blog/) - Weekly Market Commentary A Road Map to the Coming US Economic Cycle A Road Map to the Coming US Economic Cycle 6 years ago Monterey Wealth 2020.12.22-A-Road-Map-to-the-Coming-US-Economic-Cycle-Context-_-ABDownload…Read More 6 years agoA Road Map to the Coming US Economic CycleElection Thoughts Election Thoughts 6 years ago Monterey Wealth 2020.10.22-Monterey-Wealth-Market-CommentaryDownload…Read More 6 years agoElection ThoughtsProfits
- [Estate Planning](https://montereywealth.com/estate-planning/) - Over the course of time we come across articles that we feel like would benefit our clients. Below are some recent articles that we would like to share with you. Click on the articles below to help you increase your financial literacy in the world of Estate Planning. It is not the most enjoyable topic
- [Investments](https://montereywealth.com/investments/) - Over the course of time we come across articles that we feel like would benefit our clients. Below are some recent articles that we would like to share with you. Click on the articles below to help you research your investments and increase your financial literacy. Enjoy! Article: Dividend Paying Stocks If you’re looking for
- [Tax Planning](https://montereywealth.com/tax-planning/) - Over the course of time we come across articles that we feel like would benefit our clients. Below are some recent articles that we would like to share with you. Click on the articles below to help you increase your financial literacy in the world of Tax Planning. Enjoy! Article: 5 Strategies for Tax Effecient
- [Retirement Planning](https://montereywealth.com/retirement-planning/) - Over the course of time we come across articles that we feel like would benefit our clients. Below are some recent articles that we would like to share with you. Click on the articles below to help you increase your financial literacy in the world of Retirement Planning. Enjoy! Article: Have a 401(k) at an
- [General Financial Planning](https://montereywealth.com/risk-management/) - Over the course of time we come across articles that we feel like would benefit our clients. Below are some recent articles that we would like to share with you. Click on the articles below to help you increase your financial literacy in the world of Financial Planning. Enjoy! Article: What Can You Do About
- [Rollover Education Services](https://montereywealth.com/rolloverassist/) - Why? That’s the question. Why do so many employees leave money behind in prior employees 401(k) plans?Why is this not necessarily a smart thing to do?How can Monterey Wealth help? Contact Us Today Benefits to the Plan Our Rollover Education Services is designed to help manage the process of moving terminated employees off your plan.
- [Why Monterey Wealth?](https://montereywealth.com/why-monterey-wealth/) - What makes Monterey Wealth different from other 401(k) plan specialists? Contact Us Today 401(k) Plans Present Unique Exposure to Plan Sponsors & AdministratorsYou have accepted fiduciary responsibility for all plan participants (includes current employees and former employees with plan balances)According to ERISA, being a fiduciary means you must act in the best interest of plan
- [Plan Operations](https://montereywealth.com/plan-operations/) - Plan Operations Managing a 401k plan can be complicated and most plan administrators haven’t gone to school to learn how to operate a plan. That’s where we can help. A key differentiator of Monterey Wealth is that we will help you by supporting plan operations. This means helping you make sure the plan is operating
- [Investment Philosophy](https://montereywealth.com/investment-philosophy/) - Investment Philosophy Rules-Based We’ve developed a carefully constructed policy statement, which is the starting point for our investment analysis. This ensures your portfolio stays in shape and up to not only our standards, but yours as well. MonitoringWe take the time to carefully monitor and review our portfolios. We feel that it is imperative to
- [Investor Experience](https://montereywealth.com/smart-investing/) - Investor Experience Develop Risk ToleranceWe will work with you to create a portfolio that matches your desired level of risk. We also have access to tools that make it easy for you to find out what your risk preferences are. Quarterly ReportingKeeping you up to date is a priority of ours. You will always have
- [Getting Started](https://montereywealth.com/getting-started/) - Step 1: Initial Call- ComplementaryThis will be a quick meet and greet with one or both of our advisors. The call will focus around introductions and big picture financial goals. Assuming it is a good fit, we will send you a confidential profile to fill out. Step 2: Confidential Profile- ComplementaryThis is an in-depth questionnaire
- [Introduction](https://montereywealth.com/introduction/) - Introduction Monterey Wealth is a partnership of advisors with a combined 20 plus years of experience with financial planning. We are registered investment advisory firm. Registered with the SEC, and we custody our private clients assets at TD Ameritrade (soon to be Schwab). Who We Work With Business Owners Executives Professionals Our Services Financial Planning
- [401(k) CONSULTING](https://montereywealth.com/401k-plan-consulting/) - Many 401(k) advisors talk about “Three F’s” – Fees, Fiduciary, and Funds – but many of them miss the mark. Over the years we have realized that most 401(k) advisors do a nice job at investment guidance. Some advisors conduct employee education meetings and are effective. Few advisors focus on plan operations which is how
- [History](https://montereywealth.com/about/) - Our HistoryMonterey Wealth was founded by Jay Cohen in March 2004. The firm’s philosophy is deeply committed to providing advice that is in the best interest of our clients with fee structures that are completely transparent. Due to the growth of Monterey Wealth, David Duncan joined the firm as a partner in March of 2018.
- [Rollover Education Services](https://montereywealth.com/rollover-education-services/) - If you are like many people, you’ve had multiple employers in your life. It’s possible that you have left a 401(k) plan balance behind. Our goal is to educate you on your options.We understand that there are many factors as to why employees leave their 401(k) balance behind at their previous employer. Over the years,
- [WELCOME](https://montereywealth.com/welcome/)
- [SWAG](https://montereywealth.com/swag/) - Add SWAG to Your 401(k) You have been selected because we can help your company save time and money byDelaying or avoiding an independent 401(k) audit; and/or,Reclaiming unvested employer contributions held in terminated participants’ accounts Contact Us Today Avoid or Delay a 401(k) Audit The Department of Labor requires employers that offer 401(k) plans to
- [Our Solution](https://montereywealth.com/our-solution/) - Why? That’s the question.Why do so many employees leave money behind in prior employers’ 401k plans?Why is this not necessarily a smart thing to do?How can Monterey Wealth help? Benefits of account consolidation? Following are just a few reasons why it just makes good sense to consolidate all retirement accounts into one master rollover account.Fewer statements
- [About](https://montereywealth.com/about-2/) - Celebrating 15 years of service. Learn more about our history and team.
- [Gutenberg](https://montereywealth.com/gutenberg/) - Of Mountains & Printing Presses The goal of this new editor is to make adding rich content to WordPress simple and enjoyable. This whole post is composed of pieces of content—somewhat similar to LEGO bricks—that you can move around and interact with. Move your cursor around and you'll notice the different blocks light up with
- [Elementor Page Builder](https://montereywealth.com/elementor/) - Design Your wordpress Get complete control over the design of your WordPress site in a matter of minutes. Go from draft to website in less time than ever before. "What really turned me over was the ability to understand how everything works without any prior knowledge." John Doe Designer Experience design at scale Lorem ipsum
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- [Guided Wealth Portfolios](https://montereywealth.com/guided-wealth-portfolios/) - Start Investing for Your Future Today Invest for your future with our new online platform that combines the benefits of a personal financial advisor with sophisticated technology. You still get the Monterey Wealth experience and expertise, but with the added convenience and transparency of an automated investing solution. Guided Wealth Portfolios (GWP)
- [PRIVATE CLIENT SERVICES](https://montereywealth.com/about/services/) - Comprehensive Wealth Planning We utilize a total wealth management system which simplifies our clients’ live and gives them access to their financial picture anytime, anywhere via the world-wide web. This comprehensive program is a powerful tool that we leverage for defining, measuring, and achieving the relationship goals and objectives. This system allows us to help
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- [Personal Wealth Portfolios](https://montereywealth.com/private-client/personal-wealth-portfolios/) - Trade Logs PWP Trade Log 3-29-11 PWP Trade Log 2-23-11 Personal Wealth Portfolio Resources PWP Brochure Sample Quarterly Statement
- [Model Wealth Portfolios](https://montereywealth.com/private-client/model-wealth-portfolios/) - Trade Logs (Mutual Funds) MWP Trade Log 12-22-11 MWP Trade Log 12-20-11 MWP Trade Log 11-23-11 MWP Trade Log 9-21-11 MWP Trade Log 9-9-11 MWP Trade Log 8-17-11 Trade History MWP Trade History 6-30-11 Trade Rationale MWP Trade Rationale 7-21-11 MWP Trade Rationale 6-23-11 MWP Trade Rationale 6-6-11 Asset Allocation Guide Asset Allocation Guide
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- [MARKET COMMENTARY](https://montereywealth.com/market-commentary/) - [message type="info" title="Our Services:"] To learn more about us, please click one of the links below. Private Client 401k Plan Consulting [/message] [column size="2x1" title="2017 IRS Guidelines"] 2017 Retirement Plan Comparison [/column] [column size="2x1" title="LPL Financial Outlook"] LPL 2017 Outlook: Gauging Market Milestones Outlook 2017: Executive Summary Click here to watch the latest Wesbury
- [Family Balance Sheet](https://montereywealth.com/private-client/family-balance-sheet/)
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- [Articles](https://montereywealth.com/financial-literacy/articles/) - 401K Rollovers Education Plan & Funding Invest in Your Child's Future
- [FINANCIAL LITERACY](https://montereywealth.com/financial-literacy/) - Mission Our mission is to educate and empower our clients to ask the right questions at the right time to achieve financial security. Request for More Information To learn more about us, please click one of the links below. Private Client Request 401k Plan Consulting
- [401K Rollovers](https://montereywealth.com/financial-literacy/videos/401k-rollovers/) - [youtube_sc url="http://www.youtube.com/watch?v=WkmxX-ZgLOI&feature=youtu.be" height="340" theme="light" modestbranding="1" fs="1"]
- [Retirement Planning](https://montereywealth.com/financial-literacy/videos/retirement-planning/) - [youtube_sc url="http://www.youtube.com/watch?v=1rud1PoHReY" theme="light" modestbranding="1" fs="1"]
- [Retirement Income Planning](https://montereywealth.com/financial-literacy/videos/retirement-income-planning/) - [youtube_sc url="http://www.youtube.com/watch?v=kDnS3_e0Jk0" theme="light" modestbranding="1" fs="1"]
- [Investing Basics](https://montereywealth.com/financial-literacy/videos/investing-basics/) - [youtube_sc url="http://www.youtube.com/watch?v=iM7cb8FJQAk&context=C3666a51ADOEgsToPDskKCLUvdRzsMcmhojV3Y9LWr" theme="light" modestbranding="1" fs="1"]
- [e-Seminars](https://montereywealth.com/financial-literacy/eseminars/) - Under construction. Check back soon!
- [Are You Protecting Your Employees' 401(k) Assets?](https://montereywealth.com/day-1-401k-plan-checkup/) - Anyone who manages an employee benefit plan or controls its assets is considered a Fiduciary. Those responsibilities include: Acting solely in the interest of plan participants and their beneficiaries Carrying out their duties prudently (exercising good judgment) Following the plan documents (unless inconsistent with ERISA) Diversifying plan investments Paying only reasonable plan expenses After watching
- [Investment Concepts Education](https://montereywealth.com/investment-concepts-education/) - Plans that allow participants to direct their own investments provide a core group of investment products from which participants may choose. Otherwise, professionals hired by the employer direct and manage the employees' investments. General Financial Concepts Three Principals of Personal Finance [youtube_sc url="IRVzqROJmR4" title="Three%20Principals%20of%20Personal%20Finance" width="240" height="160" border="1" color1="282828"] Key Takeaways from Video Spend less than
- [Our Solutions](https://montereywealth.com/401k-plan-consulting/solutions/) - Investment Policy Statement We help our clients develop their investment policy statement in a way that helps them establish parameters for consistent, prudent management of their investment lineup. [button title="Read More" url="https://montereywealth.com/401k-plan-consulting/solutions/investment-policy-statement" color="magenta"] Investment Committee We help our clients assemble an investment committee that represents the interests of the plan participants. [button title="Read More" url="https://montereywealth.com/401k-plan-consulting/solutions/investment-committee/"
- [Rollover Services](https://montereywealth.com/401k-plan-consulting/solutions/rollover-services/) - A major problem today is many plans have substantial balances from terminated employees. This issue creates unnecessary risk for the plan fiduciaries as well as excessive expense for the sponsor. We have found that human resource departments are busy with many other more pressing issues than trying to track down terminated employees with small plan
- [Best Practices](https://montereywealth.com/401k-plan-consulting/best-practices/) - Open Architecture Choice is always a good thing. Having a plan that is open architecture means you have choice in terms of investment lineup. [button title="Read More" url="https://montereywealth.com/education/401k-plan-sponsors/best-practices/open-architecture/" color="magenta"] Keep Plan Clean Keeping your plan clean means you minimize the number of accounts belonging to terminated employees. [button title="Read More" url="https://montereywealth.com/401k-plan-consulting/best-practices/plan-clean/" color="magenta"] Manage Plan Expense
- [401(k) Plan Checkup Series](https://montereywealth.com/401k-plan-checkup-series/) - 3 Steps to Evaluate Your 401(k) Plan Discover how to properly evaluate your 401(k) Plan, become a better Fiduciary, and keep more money in your participants' accounts! Protecting Participant's 401(k) Assets As a Plan Fiduciary, the Department of Labor states that decisions should be based on the best interests of the participants. Gain a better
- [Service Delivery Agreement](https://montereywealth.com/401k-plan-consulting/best-practices/service-delivery-agreement/) - Nothing is worse than believing you are buying something and then not getting what you thought you paid for. We are laser-focused on delivering on what we say we are going to do. This starts with a culture of doing what we say we are going to do and backing that up with the systems,
- [Model Portfolios](https://montereywealth.com/401k-plan-consulting/best-practices/model-portfolios/) - Most people do not have a thorough understanding of financial markets and investing. Yet, many plans do not offer model portfolios. However, with the evolution of technology, model portfolios have become more prominent than ever. Model portfolios serve to provide a well-diversified portfolio by matching the participants risk with an appropriate asset allocation. These models
- [Monitor Investment Performance](https://montereywealth.com/401k-plan-consulting/best-practices/monitor-investment-performance/) - Another common violation of ERISA by plan fiduciaries is the failure to properly monitor investment performance. Since plan participants rely upon fiduciaries for their investment choices, their performance should be monitored on a regular basis and findings should be well documented. Following is a list of investment performance criteria that should be monitored: One, three,
- [Manage Plan Expenses](https://montereywealth.com/401k-plan-consulting/best-practices/manage-plan-expenses/) - Failure to understand and monitor expenses incurred by plan fiduciaries is a direct violation of ERISA and is frequently investigated by the Department of Labor. There are many expenses that fiduciaries should be aware and they are as follows: Record-keeping fees Fund management fees Investment advisor fees 12b-1 fees Sub-transfer agent fees
- [Keep Plan Clean](https://montereywealth.com/401k-plan-consulting/best-practices/plan-clean/) - When an employee is terminated, she is not required to move her funds from the plan except for two scenarios. If the balance is less than $1,000, the employer, after notice, can instruct the trustee to issue a check if terminated employee has not take action. If the balance is more than $1,000 and less
- [Open Architecture](https://montereywealth.com/401k-plan-consulting/best-practices/open-architecture/) - Open architecture means that the investment platform is not limited to a small, pre-determined list of fund families. To the contrary, there is a great deal more latitude. As the global economy becomes more complex, asset allocation has broadened as well. Therefore, it is important to be able to offer a variety of different types
- [401K Plan Sponsor Library](https://montereywealth.com/401k-plan-consulting/401k-plan-sponsor-library/) - The Government is implementing regulation that will drive plan sponsors to increase participation and deferral rates, provide transparency of plan fees, and expand availability of fiduciary investment advice. This page is dedicated to providing plan sponsors with timely, useful articles of interest pertaining to the evolving regulations as stated above. Plan Compliance Making Sure Your
- [Investment Policy Statement](https://montereywealth.com/401k-plan-consulting/solutions/investment-policy-statement/) - An investment policy statement allows the investment committee to review the investment lineup using consistent, objective criteria. A requirement of ERISA is for the regular monitoring of investment performance by the plan fiduciaries. The investment committee must be careful to document its findings and ensure that there is a process for freezing funds, adding funds,
- [Investment Committee](https://montereywealth.com/401k-plan-consulting/solutions/investment-committee/) - Serving as a member of the investment committee is a serious responsibility. The sponsor should pay careful attention to who serves on this committee and it should be comprised of at least three people. You should include a financial persona, a human resource person, and at least one at-large employee. Investment committees should meet between
- [Fund Review](https://montereywealth.com/401k-plan-consulting/solutions/fund-review/) - Reviewing the plan's investment lineup is one of the most important roles as a fiduciary. The investment advisor should employ a screening tool which tracks trend analysis. Our system tracks up to seven consecutive quarters of performance which allows us gauge the performance trends. In addition to measuring specific criteria, it is important to compare
- [Education and Communication](https://montereywealth.com/401k-plan-consulting/solutions/education-communication/) - People like to be empowered to make decisions. However, when it comes to investment decisions, many people freeze. There are many reasons for this but the biggest one is lack of knowledge. Information is everywhere but not all of it is good.We have invested heavily to ensure that our clients are delivering the best possible
- [Plan Benchmarking](https://montereywealth.com/401k-plan-consulting/solutions/plan-benchmarking/) - The only way to know how your plan compares to your peers is to benchmark it. We have the tools and resources necessary to help you evaluate the most important plan features such as: Investment choice Plan expense Profit sharing and/or matching Participation rates Communication effectiveness Fiduciary risk Other plan design features and/or issues
- [3 Most Common 401(k) Plan Management Mistakes](https://montereywealth.com/day-3-401k-checkup/) - In 2011, the DOL conducted 3,472 civil investigations. Their findings led to the collection of $1.38 Billion through plan restorations, fines, and penalties. A very small percentage of plans are true "bad guy situations." The majority of violations generally come from oversight, errors, and omissions by Plan Sponsors. After watching this video, you'll learn: a
- [3 Criteria to Evaluate the Quality of Your Fund Lineup](https://montereywealth.com/day-2-401k-checkup/) - In 2011, Walmart and its retirement Plan Administrator Merrill Lynch agreed to pay $13.5 million to settle a class-action lawsuit that alleged that both parties breached their fiduciary duty in making decisions about the plan that were not in the best interests of the participants and their beneficiaries. The basis of the suit was that
- [401k Plan Consulting Request](https://montereywealth.com/401k-plan-consulting/401k-plan-consulting-request/)
- [Distributions](https://montereywealth.com/401k-plan-consulting/distributions/) - At Retirement Federal law sets a mandatory date by which you must start receiving your retirement benefits, even if you would like to wait longer. This mandatory start date generally is set to begin on April 1 following the calendar year in which you turn 70½ or, if later, when you retire. However, your plan

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