Welcome To Pacific Retirement Planning

As a plan sponser, you may be considered to be in breach of you fiduciary duties if you:

• fail to offer a diversified selection of investment choices

• fail to monitor the plan's investment options and if necessary, replace investment option that are not producing adequate returns over an appropriate time period

• conduct self-dealing transaction, using plan assets for your own or company's benefit allow party-in-intrest transactions between the plan and any person connected to the plan, including plan administrator, trustee, officer, custidian,counsel, employer, employee and/or relatives.

• make a payment that may be considered duplicative, excessive or unnecessary

Penalties for noncompliance

• having to restore/reimburse lossing incurred by the plan and put bak any money that the plan might otherwise have made under normal circumstances.

• surrendering any profits man by you from the plan

• criminal penalties and prison

• monetary penalties for failure to properly disclose information to plan participants

• payment of attoryey's fees

• payment of possible excise taxes

• civil actions