Retirement Planning Services Built for Professionals

Confident Retirement Starts with a Clear Plan

No matter where you are in your career, building a solid retirement plan now can help you make smarter choices and avoid unnecessary stress later. At Benefit Consultant Inc, we work with professionals across Chino and surrounding areas—from Los Angeles, to Orange County, and across the US.—to help turn today’s income into tomorrow’s freedom. Whether you’re just getting started or want to improve the plan you already have, we’ll help you create a tax-efficient retirement strategy that fits your lifestyle and long-term goals.

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What We Can Help With

Strategies That Grow with You

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Our approach to retirement planning is all about creating options—not restrictions. We focus on flexible strategies that help you build wealth, reduce taxes, and generate income you can count on down the road. Each plan is personalized to fit your unique circumstances and lifestyle, with strategies designed to work seamlessly with your profession, business, and personal goals.

Retirement Plans

We design custom retirement plans that align with your earnings, your tax bracket, and your timeline. From individual strategies to employer-sponsored options, we help you choose the most effective vehicles to support your future lifestyle.

401(k) Planning

For professionals and business owners with access to a 401(k), we offer guidance on contribution strategies, Roth vs. traditional options, rollovers, and tax implications—so you get more from the plan you already have.

Defined Benefit Plans

A retirement plan that guarantees a specific payout at retirement, typically based on salary and years of service—ideal for high-income earners seeking large, tax-deferred contributions.

Profit Sharing Plans

Looking to reward employees while minimizing your tax liability? Profit sharing plans offer flexibility for employers and employees alike—and we’ll walk you through how to set them up and maximize their value.

IRAs (Traditional & Roth)

Whether you’re supplementing a 401(k) or saving independently, IRAs offer critical tax advantages. We help you evaluate the best fit—Roth or Traditional—and build them into your broader financial plan.

Questions We Hear All the Time

  • When should I start planning for retirement?

    The earlier, the better—but it’s never too late. Whether you're in your 30s or your 60s, the key is having a plan tailored to where you are right now. We work with clients at all stages to make meaningful progress toward retirement goals. You can even start at birth. Our plans are flexible, if not used for college or middle age, you can use it for retirement.

  • What if I already have a 401(k) through work?

    That’s great—and we can help you get more out of it. We’ll review your current plan, make sure your contributions align with your income and goals, and explore ways to supplement it with IRAs or annuities if needed.

  • Can you help if I’m self-employed or own a business?

    Absolutely. We specialize in creating retirement plans for small business owners, contractors, and self-employed professionals. That includes SEP IRAs, Solo 401(k)s, and tax-smart strategies that benefit both your business and your future.

  • How do taxes impact my retirement strategy?

    Taxes play a major role in retirement planning. We build strategies that aim to reduce your taxable income now and help you manage your tax burden in retirement—so more of your money stays yours.

  • What happens if I need to adjust my plan later?

    Life changes—and your retirement plan should be able to adapt. We build flexibility into every strategy, and we’re here long-term to help you make adjustments when needed.