Why Alpha & Omega
The Small Business Benefit Plan Design and Investment Advice Specialists
We created Alpha & Omega because as we looked around our industry, it seemed that individual investors and small to mid-sized companies always got the short end of the stick. We also saw a lot of American workers facing uncertain retirements because their employers couldn’t afford the cost of a plan. So we decided to put together a business that could help employers and their employees save for retirement more effectively.
Several decades later, Alpha & Omega has grown to become a leader in benefit plan design and administration and a provider of customized, cost-effective retirement investment services in the San Diego and Orange County areas, as well as outside California.
If you are:
- Thinking about offering an employee benefits plan but don’t know how to get started,
- Seeking an investment advisor you can trust to act in your BEST INTERESTS (rather than maximizing their own fees and commissions)
- Considering an audit of your current company-sponsored employee benefits plan for accuracy and effectiveness
For Plan Sponsors
5 Good Reasons to Make A&O Your TPA Benefit Plan Consultant
Today’s crowded financial markets offer employers an abundance of benefit plan TPAs and investment advisors to choose from. In San Diego and Orange County, smart employers with less than 300 employees choose Alpha & Omega.
What sets us apart from all the rest?
01 / Unsurpassed Knowledge and Experience
A pioneer in the industry, Alpha & Omega has been designing, implementing and administering qualified benefit plans for small to mid-sized companies for more than 50 years. Our in-depth knowledge of plan design, plan funding and regulatory compliance issues allows us to customize a plan to meet the unique benefit needs of your organization.
02 / Trusted Partners Provide More Options
To provide a broader range of benefit plan solutions for our clients, we partner with a number of leading service providers in highly specialized areas. For example, our partners who specialize in investment management enable Alpha & Omega to offer our clients access to institutional funds that are typically available only to much larger companies.
03 / Comprehensive Administrative Services
Alpha & Omega offers a comprehensive suite of benefit plan services – from plan design to investment selection, employee communication and more. Our seamless plan administration process makes life easier for you and your employees by taking important but repetitive administrative tasks off your plate.
04 / Proven Results
As an Alpha and Omega client, you enjoy:
- A benefits plan custom tailored to your company’s benefit needs
- Access to cost-effective and managed institutional funds
- A custom investment portfolio based on your risk profile
- A plan design that minimizes costs while optimizing returns
- Expert advice on compliance regulations to avoid excess taxes or other penalties
- A TPA that believes in honesty, integrity and transparency
- Peace of mind of knowing your advisor is sincerely working on your behalf
05 / Full Compliance Audit
By serving as the TPA for your plan and your plan’s investment advisor, we provide comprehensive monitoring of your plan so that nothing falls through the cracks. Most importantly, we keep your plan qualified by investing the time and manpower needed to keep up with frequently changing IRS and Department of Labor rules and regulations.
“Leadership is the ability to inspire and engage others. Stewardship is the passion and discipline to protect the long-term interests of others. At A&O, we practice both.”
Founder, President and CEO
Don’t settle for less – get the retirement plan that’s right for your business.
For Individual Investors
As a Registered Investment Advisor (RIA), Alpha & Omega has decades of experience in designing investment portfolios for individuals, family trusts and IRA accounts.
Our proven solutions are ideal for individual investors who:
- Want more sophisticated solutions with lower fees than offered by institutions, money managers and brokers
- Want to roll over an existing IRA or 401k to an individual 401k or traditional IRA
- Are unhappy with their current retirement plan
- Have left their retirement plan
- Need professional investment advice regarding their 403(b) account
- Own a PenChecks Trust default IRA (as a result of a transfer from their previous broker)
Unmatched IRA Experience and Expertise
PenChecks Trust – our partner who administers our AutoRollover and traditional IRA accounts – created the first missing participant IRA program that became the basis for the default IRA regulations of the Economic Growth and Tax Reconciliation Relief Act. They also developed the first premier IRA fiduciary service that satisfies all DOL FAB 2014 – 01* requirements for plan sponsor trustees. You won’t find another RIA with more experience and expertise in this area.
More Investment Options. Lower fees.
Alpha & Omega offers more investment options, from some of the biggest names in the financial industry, by providing access to cost-effective managed investment options that are typically available only to large institutional investors. We also charge less for those options.
No Off-the-shelf Programs
Unlike some investment firms, we don’t believe in “one size fits all” investment solutions. Instead, we take the time to understand your unique retirement investing goals and design a custom plan to help you get there.
High-touch Service That Treats You Like a Person, Not a Number.
At a large institutional investment advisory firm, you can sometimes get lost in the crowd. At Alpha & Omega, you’ll work one-on-one with an experienced investment advisor who designs a custom plan to help achieve your retirement goals.
Building Trust Through Transparency
Our investment advisors do not receive fees or commissions for the financial products we recommend. You get the peace of mind that comes with knowing your advisor is making investment decisions based on your best interests rather than his or her own bottom line.
Full Account Administrative Oversight
Alpha & Omega works with a number of leading retirement plan service providers to provide comprehensive administrative oversight of your investment account. We manage your account and the RIAs who manage the actual investments to optimize returns and help achieve your retirement goals.
Get started on your retirement nest egg!
“Most people are not disciplined investors. That’s why we use a proven investment philosophy to overcome their erratic investing patterns.”
Executive Vice President