Retirement plans are our business.
A dedicated retirement plan team in La Jolla, serving more than 150 401(k) plans across more than fifteen recordkeepers.
Plans of every size, from a few employees to more than a thousand.
Marine Street Financial is an independent, LPL-affiliated advisory firm in La Jolla, California, with a dedicated retirement plan team serving more than 150 companies locally and nationally. Plan design, fee benchmarking, investment monitoring, fiduciary support, and participant education, coordinated with your recordkeeper and administrator.
For the people responsible for the plan, and the people in it.
Plan sponsor services
Fiduciary support and documentation
Every plan gets a dedicated, organized fiduciary folder: investment policy statement, quarterly fund performance reports, plan sponsor education, the annual plan health analysis, and the annual review and recommendations, kept current and audit-ready.
Plan design consulting
Safe harbor, vesting, eligibility, matching and profit-sharing formulas, auto-enrollment, and Roth provisions reviewed against what the company is trying to accomplish, with changes coordinated through your administrator.
Annual fee benchmarking and investment monitoring
Fees benchmarked every year against plans of similar size. The investment lineup scored each quarter against your investment policy statement using Fi360, with a written report and recommended actions where a fund falls short.
Recordkeeper and compliance coordination
Recordkeeper relationship management, TPA coordination, Form 5500 support, and regular plan health reviews with the plan sponsor. When a review points to a change, a documented recordkeeper search and project management of the conversion.
Participant services
On-site education and individual advising
Group presentations and individual Q&A, quarterly or semi-annually, at your office or virtually, plus one-on-one meetings so each employee understands their own retirement picture.
Proactive outreach
Year-round outreach to drive engagement. We do not wait for open enrollment; we stay in front of your team through the year.
Custom enrollment site and plan content
A branded Participant Hub for your plan in English and Spanish, with a plan video, Plan Highlights, enrollment steps, and recordkeeper links, built from your plan's actual provisions and kept current.
Planning tools and advisor access
Every participant gets access to RightCapital to model retirement and track progress, and a direct line to the advisors on the plan with same-day response during business hours.
Setting up a first plan or weighing a SIMPLE IRA, SEP, 401(k), or CalSavers for a small team? See how we help companies start a plan →
All we need is your company's name.
Pick a time
Choose a meeting slot and tell us the name of your company. That is all we ask of you before we meet.
We do the homework
Before the meeting, we review your plan's public Form 5500 filing where one is available and prepare a benchmark report on fees, plan design, and participation.
Walk through it together
In the meeting we go through what we found and what, if anything, is worth a closer look. The decisions stay yours.
Frequently asked questions
What does a retirement plan advisor do for my company?
The recordkeeper runs the plan's accounts and administration. An independent advisor works for the plan's fiduciaries: benchmarking fees, monitoring the investments, documenting committee decisions, consulting on plan design, and educating employees. We work alongside your recordkeeper and administrator rather than replacing them.
How do I know if our 401(k) fees are reasonable?
Plan fiduciaries are responsible for understanding what the plan pays and whether those fees are reasonable for the services received. A benchmarking review compares your plan's costs with plans of similar size.
Do we have to change recordkeepers to work with you?
No. We work with many recordkeepers. A review may confirm your current provider or identify alternatives to compare. The decision is always yours.
We have a committee. How do you work with it?
We prepare the agenda and materials, present the quarterly monitoring report and the fee benchmark, record minutes, and keep the fiduciary folder current between meetings. Most committees meet with us once a year in person and receive written updates each quarter.
Pick a time. We will do the homework.
Protect your business and your employees by starting your retirement plan review. Tell us your company's name and choose a meeting time. Before we meet, we review your plan's Form 5500 where one is available and prepare a benchmark report for the conversation.