Spend More Time Doing What You Do Best

As business owners ourselves, at the Alder Financial Group we understand that operating a business requires the unwavering dedication of your time and energy. For most of our clients, spending time on financial issues, such as cash management or retirement planning, takes attention away from more critical duties, namely day-to-day operations. In creating our corporate services, we continuously focus our energies only on those areas where we feel the most value is added. Please click to read more about the investment functions where we can provide an optimal combination of expertise and value.

Short Term Cash Investments

As a small business ourselves, we recognize the challenges you face in effectively managing your surplus cash. Too little time, lack of expertise, and few alternatives contribute to the reason some businesses fail to make the most of their resources. At Alder Financial Group we have utilized our core strengths to develop a package of investment services that allow you to maximize the income earned on your excess cash while enjoying flexibility, safety, and easy access to your funds. As fee-only investment advisors, we offer two strategies for our corporate clients:

• Institutional Money Market Funds provide an opportunity to invest large cash balances with very short-term needs. They provide attractive returns with low expenses, but more importantly money market funds allow easy, daily access to funds. There are no sales charges or redemption fees.
• Corporate Cash Management is very important for a client with a slightly longer time horizon. We will review your short-term investment objectives and investing guidelines to make the proper recommendations. Our strategies are based on liquidity needs, risk profiles, tax considerations, and interest rate forecasts.

Investment Planning for Business Owners/Executives

Another fee-only service we offer our corporate clients is investment planning for their executives and owners. Providing your management team with the opportunity for individual investment planning can be a tool for attracting and retaining the best executive talent for your business. This service is also valuable for business owners and managers who find their expertise lies in running the business and not their personal investments. Managing a business is difficult enough without worrying about personal finance issues such as retirement, taxes, estate planning, investments, etc.

The Alder Financial Group understands your situation. We provide a comprehensive solution that addresses your concerns. With our Individual services, you can feel comforted in knowing we focus our efforts on diversifying your wealth both inside and outside your business.

Retirement Services

Whether you are an individual, a business owner, or a business manager, you realize that having a comfortable retirement or providing one for employees takes planning. In order to attract, reward, and retain qualified employees, you must offer incentives such as retirement plans. These are not only valuable employee benefits but they can actually generate substantial tax savings for both you and your employees.

The Alder Financial Group makes it easy for small business owners and self-employed individuals to select and operate the most appropriate plan based on their personal retirement objectives and their business. Through our strategic partnerships with third party administrators, we can provide the following selection of retirement alternatives:

• Individual Retirement Accounts (IRAs: traditional and Roth)
• Simplified Employee Pension Plan (SEP-IRA)
• Simplified Incentive Match Plan for Employees (SIMPLE-IRA)
• Qualified Retirement Plans (Money Purchase and Profit Sharing Plans)