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According to, Executive Director, Katie Selenski, nearly half of working Californians are on a trajectory of retiring into economic hardship, if they retire at all. She says an estimated 7.5 million residents work for employers with no retirement saving program. 

However, a new state law (a game changer) which takes effect on 1 July 2019, requires all businesses to sign-up for a state sponsored program that allows all employees to participate is is a retirement saving program.  

Program mandates that all business operating in the state of California participate in this program which allows all employee the option of participation and must opt-out if they do not wish to participate.

Starting 1 July 2019, all California business must register as follows:

* Businesses with 100 employees must be registered by June 30, 2020.

* Businesses with 50 or more employees must be registered by June 30, 2021.

* Businesses with 5 or more employees must be registered by June 30, 2022

Employees who do not want to participate in this program must opt-out.  

I personally applaud the state of California for implementing such a program and strongly encourage all employees to maximize their monthly contributions to the maximum extent possible.

This program is mandatory for all California Businesses with 5 employees or MORE and all employees of those businesses must Opt-Out if they do not wish to participate.  Learn More @ CALSAVERS.COM or Call:  855-650-6916 - Laura Mecoy. 

PS: Everyone needs a Plan A, (the “JOB”), at least until they have been able to build their Plan B to the point that it support’s all basic needs. Once that occurs it may be time to step out! 

Following is our Plan B, (we have a growing number of business owners who have selected our Plan B as a Cross-Sell for their businesses …


This is in keeping with the following:

“If you don’t find a way to make money while you sleep, you 

will work until you die” - Warren Buffett 

This is also an excellent Plan B option for business owners … let me show you why!