David Gratke Wealth Advisors, LLC


DIRECT-PORTLAND: 503.972.8987 \| DIRECT-BEND: 541.306.3579 \| TOLL-FREE: 888.970.8987 \| FAX: 888.414.8957

888.970.8987

SIMPLIFIED 401(K)

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DIRECT-PORTLAND:
503.972.8987
DIRECT-BEND:
541.306.3579
TOLL-FREE:
888.970.8987
FAX: 888.414.8957
EMAIL

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The Simplified 401(k)
The 401(k) started in 1978 when Congress amended the IRS code to add section 401(k). This changed retirement plans unlike before. Until 1978, most retirement (pension) plans were managed by professional investment managers. The 401(k) did just the opposite, it made the “rank-and-file” employee within a 401(k) plan, the “investment manager” of their own retirement assets. What skills did these employees possess to allow them to manage such a largely important asset within their personal balance sheet? Nothing. As a result, we at David Gratke Wealth Advisors, LLC believe the traditional “do it yourself” 401(k) plan is fundamentally flawed in three ways.
DGWA has teamed up with a La Jolla, CA based The Retirement Consulting Group* to address and remedy the three flaws which are: Plan Underperformance Personal Liability for Sponsors Complicated Administrative Burden Whether you are a company owner (Plan Sponsor), Participant of a 401(k), or local Financial Advisors, DGIA is your consultative path to the Simplified 401(k).

Contact David Gratke now to review your plan

Due to various state regulations and registration requirements concerning the dissemination of information regarding investment products and services, we are currently required to limit access of the following pages to individuals residing in states where we are currently registered. Investments products and services available only to residents of: California (CA), Georgia (GA), Oregon (OR), Washington (WA).
We are licensed to sell insurance products in the following states of: California (CA), Oregon (OR), Washington (WA). Securities and Advisory Services Offered through KMS Financial Services, Inc.

*Please remember that there are many providers of these services. We have experienced good results in the past working with The Retirement Consulting Group but you assume the risk of working with firms other than DGIA.