Qmulate Capital

🔔 Attention California Business Owners! 🔔

Did you know, starting December 31, 2025, if you have just 1 employee (including yourself!), you’re required by law to offer a retirement plan or enroll in CalSavers? 📈

This mandate means businesses must either:

- Offer a private retirement plan (like a 401(k)), or
- Enroll employees in the state-run CalSavers program.

Why does this matter to you?
✔️ Avoid penalties and stay compliant.
✔️ Provide employees with a valuable benefit.
✔️ Help your team save for the future and improve retention.

As an investment advisor, we can help you explore affordable retirement plan options that benefit your team and your bottom line—while keeping you compliant. Let’s talk about turning a legal obligation into a smart business advantage.

💬 Message me today to learn more about your retirement plan options!

What does financial freedom look like to you? Being proactive and having a plan allows you to make choices from Control not Panic... to me, that means a last minute wine tasting trip. If you don't have a retirement plan in place, TAKE THE STEP, give me a call!

Maxing Out x Time Invested = Big Impact. Time is the most important factor for growth. So many clients state they wish they'd started sooner; if you haven't started, TODAY IS THE DAY! And if you haven't reviewed your account in 6 months or more, TODAY IS THE DAY. Reach out to Jennifer Warner for help, or if you have questions.