Who's Managing Your "Serious Money"?                          Consider all the advertising you see on a regular basis that says, "You can do it yourself".  After 25 years working with people and their money, we have learned that most can't.   Our primary focus in the Investment Management field is to build quality portfolios that are based on the client's need, and then to keep the portfolio on track toward reaching the stated goal.   In effect, we are the pilot, and the client owns the plane.  Unless you really know how to fly, you probably don't want to try your hands at the controls after you have already taken off.   That's why do-it-yourself doesn't work for most people.   BPS - Fee Schedule   Read the following to understand our process:

Investment Process What determines your success? As an investor, it is important that you determine what approach makes you comfortable, and then to stick with it. We believe that a good approach applied consistently will provide better results than the constant search for "the best approach." In fact, several very important studies have shown that Asset Allocation and Investor Behavior are the key indicators of portfolio success. As your investment professionals, we begin by listening to you so we can clearly understand your situation and needs. From this starting point, we utilize the following four-step process to create your tailored investment portfolio. Step 1: Getting Started We work with you to: Define your investment goals and objectives Create an asset allocation that fits your situation, including your tolerance for risk Implement your strategy using the appropriate mutual funds Review your long-term investment objectives and make changes to your asset allocation consistent with life cycle changes Provide ongoing investment education and information Step 2: Creating an Asset Allocation Strategy Once we have developed a picture of your needs, we will use sophisticated asset allocation software to develop a range of portfolio options and mixes designed to meet your goals. We will explain the benefits of the various options so you clearly understand the differences. Then we will refine the options to develop the portfolio mix that is the most comfortable for you.   Step 3: Implementing Your Strategy Once we have defined your investment strategy, we will implement it - selecting the proper funds to make sure your investment is strategically diversified in alignment with your investment objectives.  We use the services of TD Ameritrade Institutional Services for our client's accounts.  This affords us the ability to select from over 5,000 top mutual funds - at no cost.  No trading fees or commissions!! Step 4: Staying on Course We recognize that, over time, your life will take some turns that may affect your investment status such as marriage, education, or retirement. Additionally, the market's movement creates a need for occasional rebalancing. For these reasons, we will meet with you periodically to make certain your investment is on course with your goals. Another important benefit for you is continuous monitoring of the fund managers within your portfolio. This regular "comparison" helps us determine whether the money managers are performing as anticipated and staying within their styles. Finally, we will keep you informed with regular: Statements Portfolio Performance Reports If you are ready to begin the process of structuring an investment portfolio that meets your situation and needs, please Contact Us.

REGULATORY AND DISCLAIMER INFORMATION           Benefit Planning Services, (BPS) is a Registered Investment Adviser in the State of California. BPS is not rendering or offering to render personalized investment advice or financial planning advice through this media. This media is limited to the dissemination of general information on the adviser's service offerings and provides for an efficient mechanism in which a prospective client may contact BPS. Advice may only be rendered after the delivery of a disclosure statement (FORM ADV), the execution of an investment advisory and/or financial planning contract by the client and the adviser, and the initial payment of the planning fee or investment advisory fee by the client to the advisor Benefit Planning Services only transacts business in states where it is properly registered, or excluded or exempted from registration requirements. Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that the future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended and/or purchased by adviser), will be profitable or equal to corresponding indicated performance levels. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client's investment portfolio.  No client or prospective client should assume that any information presented and/or made available on this Website serves as the receipt of, or a substitute for, personalized individual advice from the adviser or any other investment professional. Historical performance results for investment indexes and/or categories generally do not reflect the deduction of transaction and/or custodial charges or the deduction of an investment-management fee, the incurrence of which would have [the] effect of decreasing historical performance results. Read Our Privacy Statement BPS - Privacy Statement