# McClure Wealth Management > Retirement plans and wealth management in Carlsbad, California ## Posts - [CalSavers vs 401(k)s: What is the difference?](https://mcclurewealth.com/calsavers-vs-401ks-what-is-the-difference.md): With the looming June deadline for the CalSavers program, we have many companies reaching out to financial planners and advisors, including ourselves, and asking us what to do. Should you sign up for CalSavers? What are your alternatives? We’ll walk you through the choices in front of you. - [Kids Savings Account: Getting your kids started early in savings](https://mcclurewealth.com/kids-savings-account-getting-your-kids-started-early-in-savings.md): Could you imagine if you were born with a savings account and earned compound interest on all those birthday dollars you’ve ever received? The world would probably look a lot different if that were the case. Even if you haven’t been saving since birth, that doesn’t mean you can’t change the future for your kids. You can. - [How to have a healthy attitude with your finances](https://mcclurewealth.com/how-to-have-a-healthy-attitude-with-your-finances.md): Just like the body thrives on health, so does your life on financial wellness. With that in mind, here are some tips we compiled for you to keep a healthy relationship with your finances. - [401(k)s: Four Options for your Retirement Plan when Changing Jobs](https://mcclurewealth.com/401k-options-changing-jobs.md): Employees often ask us what options they have with their 401K when changing jobs. We outline 4 different options when transferring jobs. - [The 8 Roles of a Financial Advisor](https://mcclurewealth.com/eights-roles-financial-advisor.md): Financial Advisors are guardians of financial wellness and have a vested interest in seeing your retirement savings grow. Read more - [How to Start a Business 401K](https://mcclurewealth.com/how-to-start-a-business-401k.md): Are you curious about how to start a 401K for your business? Contact us at McClure Wealth to speak with a financial advisor about your company's retirement plan needs. - [10 Things to Keep in Mind for Financial Fitness in 2018](https://mcclurewealth.com/financial-fitness-2018.md): Be proud of your financial progress in 2018 by following some of our tips. Read more. - [What are Target Date Retirement Funds?](https://mcclurewealth.com/what-are-target-date-retirement-funds.md): Target Date funds are tailor-made mutual funds that automatically adjust asset mixes to become more conservative as investors approach retirement age. Read more. - [How to Avoid Emotional Financial Decisions](https://mcclurewealth.com/avoid-emotional-financial-decisions.md): By Ed McClure, CFP® Emotions are like a roller coaster. Our financial ups and downs can send us on an... - [Earning Interest on Interest: Unlocking the Power of Compound Interest](https://mcclurewealth.com/power-of-compound-interest.md): By Ed McClure, CFP® If you’ve spent any length of time learning about finances, you’ve likely come across the buzz... - [23 Ways to Increase Your 401(k) Plan (or 403(b) Plan) Participation Rates](https://mcclurewealth.com/increase-401k-plan-or-403b-plan-participation-rates.md): By Ed McClure, CFP® Plan sponsors are continually seeking ways to increase participation in their defined contribution retirement plans, whether... - [The Top Mistakes Plan Sponsors Make: Part 2](https://mcclurewealth.com/top-mistakes-plan-sponsors-make-part-2.md): By Ed McClure, CFP®, PPC® Back in 2021, the Employee Benefits Security Administration (EBSA) acquired $1.9 billion in qualified retirement... - [Get Covered: Insurance at Every Life Stage](https://mcclurewealth.com/insurance-at-every-life-stage.md): By Ed McClure, CFP® We’re all aware of the importance of insurance and how it offers protection. And we all... - [Don’t Let 2024 Catch You Unprepared: Review Your Financial Plan](https://mcclurewealth.com/dont-let-2024-catch-you-unprepared.md): By Ed McClure, CFP®, PPC® As the countdown to 2024 begins, are your finances in order, or are you unprepared?... - [Is Debt Ever Healthy? How to Tell the Difference Between Good and Bad Debt](https://mcclurewealth.com/is-debt-ever-healthy-how-to-tell-the-difference-between-good-and-bad-debt.md): By Ed McClure, CFP®, PPC® While the word “debt” often carries a negative meaning, don’t be misled by its reputation.... - [The Biggest Mistakes I See Plan Sponsors Make: Part 1](https://mcclurewealth.com/biggest-mistakes-plan-sponsors-make-part-1.md): By Ed McClure, CFP®, PPC® While sponsoring a workplace retirement plan is a worthy endeavor, it also requires vigilant oversight.... - [Plan Sponsors, Don’t Neglect Your Plan Fees Review](https://mcclurewealth.com/plan-sponsors-dont-neglect-your-plan-fees-review.md): By Ed McClure, CFP®, PPC® As they pass by, the years tend to blend together, which can make it challenging... - [Social Security 101: Everything You Need to Know for 2023](https://mcclurewealth.com/social-security-101-everything-you-need-to-know-for-2023.md): By Ed McClure, CFP®, PPC® You’re probably used to seeing Social Security coming out of your paycheck since your first... - [Is Your Sponsor Plan Audit Ready?](https://mcclurewealth.com/is-your-sponsor-plan-audit-ready.md): By Ed McClure, CFP®, PPC® No one likes to hear the word “audit.” But when you sponsor a retirement plan,... - [With the Passage of SECURE 2.0, Is Your Plan Still the Best?](https://mcclurewealth.com/with-the-passage-of-secure-2-0-is-your-plan-still-the-best.md): By Ed McClure, CFP®, PPC® It’s no secret that planning for retirement is a challenge for just about everyone. It... - [Why 30 and 40-Year-Olds Need to Care About Investing & Retirement Income](https://mcclurewealth.com/why-30-and-40-year-olds-need-to-care-about-investing-retirement-income.md): By Ed McClure, CFP®, PPC® When you think about where you want to be in 20 years, many 30 and... - [What Business Owners Can Do With Their Cash](https://mcclurewealth.com/what-business-owners-can-do-with-their-cash.md): By Ed McClure, CFP®, PPC® Running a business is hard. You have to offer a valuable service, ensure your clients... - [Take Control of Your Finances: Tips for Dealing With Inflation and Market Volatility](https://mcclurewealth.com/take-control-of-your-finances-tips-for-dealing-with-inflation-and-market-volatility.md): By Ed McClure, CFP®, PPC® It’s no surprise that the words inflation, volatility, and recession have been so pervasive lately.... - [5 Ways Plan Sponsors Can Improve Retirement Outcomes for Their Participants](https://mcclurewealth.com/5-ways-plan-sponsors-can-improve-retirement-outcomes-for-their-participants.md): By Ed McClure, CFP®, PPC® Employees are saving for retirement at an increasing rate thanks to initiatives implemented by plan... - [Is a Downturn On the Horizon? How We Watch Over Our Clients’ Investments](https://mcclurewealth.com/is-a-downturn-on-the-horizon-how-we-watch-over-our-clients-investments.md): By Ed McClure, CFP®, PPC® Sometimes what causes the greatest fear is simply not knowing what lies ahead. Billionaire and... ## Pages - [Financial Planning](https://mcclurewealth.com/financial-planning.md): Do you feel confident that your financial life is in order and you can retire comfortably? Do you have a... - [Contact Us](https://mcclurewealth.com/contact.md): Please call or email us to set up an appointment and find out more information. Who we work with We... - [Employee Education](https://mcclurewealth.com/401ks/employee-education.md): Employee education is one of the most overlooked aspects of managing company retirement plans. Having the right plan is only... - [401Ks](https://mcclurewealth.com/401ks.md): Business owners may benefit from diversifying holdings away from their company and into retirement plans. Retirement plans are one of... - [About Us](https://mcclurewealth.com/about.md): Our founder, Ed McClure, established McClure Wealth Management in 2013 to help entrepreneurs get the most out of their retirement... - [McClure Home Page](https://mcclurewealth.com/index.md): Retirement Plans & Wealth Management At McClure Wealth, you can custom design a retirement portfolio for yourself, your family, and... - [Retirement Plans](https://mcclurewealth.com/retirement-plans.md): Do you really have everything handled the way your family deserves? We all have goals and dreams. Are you on... - [CalSavers](https://mcclurewealth.com/401ks/calsavers.md): For California, if you are a for-profit or non-profit employer, and have at least 5 part or full time employees,... - [Multiple Employer Plan](https://mcclurewealth.com/401ks/mep.md): Reduce your Workload and Maximize Fiduciary Protection with the Multiple Employer Plan Maintaining a company retirement plan takes time and... - [Insights](https://mcclurewealth.com/insights.md): As Financial Advisors in Carlsbad, CA, we specialize in Retirement Planning and Wealth Management. 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