I work with the owners and managers of large and small businesses. Many of my clients are referrals from existing clients. Attorneys and accountants who are familiar with my work are also an important referral source for me. Often my work begins with a review of the employee group health coverage. I work with a dozen or so different companies and I also counsel clients on the use of, and provide assistance with, the installation of 125 Plans.

An analysis of the effectiveness and efficiency of an existing retirement plan is another frequent starting point. With changes in the law, and new requirements by the I.R.S., much of the pension business I do is takeover business. Administrative costs can become disproportionate to the expected benefits, and/or the existing plan can slip into noncompliance through neglect. Sometimes the best solution is to amend the plan. At other times it is better to replace the existing plan with one more suited to the employer's current financial needs and objectives.