Employee Benefits

Business Planning

  • Group Health Insurance
  • Group Life Insurance
  • Group Disability Plans
  • Group Vision
  • Group Dental Plans
  • Human Resource Center
  • Pension Planning
  • 401(K) Plans
  • Pension & Profit Sharing
  • Voluntary Benefits
  • Payroll deduction plans
  • Cash Balance Plans
  • Executive Bonus Plans
  • Buy/Sell Agreements
  • Key Person Life Insurance

401(K) plans are designed for businesses electing to have employees share responsibility for retirement savings. With features such as availability of loans and hardship withdrawals, the 401(K) is one of the most flexible retirement plans available. As a result of these extra features, however, a 401(K) plan requires thorough administration.


  • Allows employees to make annual pretax, salary-deferral contributions
  • Additional “catch-up” contributions may be made by participants age 50 and older
  • Optional employer-matching contributions
  • Loans and hardship withdrawals may be available
  • Vesting Schedule is available
  • Part-time and seasonal workers (fewer than 1000 hours) may be excluded because of eligibility requirements.

Other plans include:
Safe Harbor 401(K)
Individual 401(K)
Age-Weighted Profit Sharing
New Comparability
Super Comparability
Money Purchase

For additional retirement tools visit http://www.getretirementright.com/.

Group Life & Disability Insurance
Group disability insurance pays a benefit in the event you are disabled while you are insured. The complete benefit design depends on the plan design your employer or sponsoring organization has selected.

Your employer or sponsoring organization will be able to provide you with the exact plan design. This will include all benefits, plan limits, exclusions and rights you have under the policy.

The most important elements of disability insurance include:

  • Benefit period – how long benefits are paid
  • Percentage of pay the benefit will represent (in some plan designs a flat benefit amount takes the place of a percentage of pay)
  • Elimination period – the amount of time you must be unable to work before benefits are paid
  • Definition of earnings – what income amount is covered (for example, if overtime or bonus amounts are included)
  • Exact definition of disability
  • Exclusions – outline what is not covered

Reviewing your employee benefits package does not need to wear you out, With our quoting and benefit review process, we make it easy for you to know that you are getting the best values for your insurance dollars. Ask us about our Human Resources services at no cost to you.

List of companies we work with:

And more…With over 25 companies to choose from, we can find the right plans for you.

Retirement Plans 401(k)s
Mutual of Omaha Retirement plan Services – Northern California Division Office
Genworth Financial Services
America Funds
Fidelity Advisors
And more…

We also provide Group Life and Disability plans

Human Resource References

Securities offered through Mutual of Omaha Investor Services, Inc., A Registered Broker/Dealer Member. FINRA/ SIPC. Richard McDaniel, Registered Representative. Advisory Services offered through Mutual of Omaha Investor Services, Inc., a SEC Registered Investment Advisory Firm. Richard McDaniel, Investment Advisor Representative. McDaniel Financial Services and Mutual of Omaha Investor Services, Inc., are not affiliated. The information provided is general in nature. It has been obtained from sources believed to be reliable, but no warranty is made as to its accuracy, timeliness or completeness. The information is not intended, and should not be construed as legal, tax or investment advice, or a legal opinion. Consult with your legal, tax or investment professional before taking any action based on this information. This is not an offer of solicitation in any jurisdiction where we are not authorized to do business.