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Daisy Chow's list (5)
Daisy Chow is looking for a great Automotive Mechanic in Millbrae, CAAfter paying my registration, I received a notice from the DMV that my car needs a smog check. It's a 2007 Civic Hybrid. Any suggestions for a smog check station would be appreciated! read more
Daisy Chow is looking for a great Notary in Millbrae, CAI'm looking for a notary to help with a business dba form. We're willing to travel between South San Francisco and Belmont, or thereabouts. Alternatively, a mobile notary who can come to us would be great too! Thanks in advance for your recommendations! read more
Daisy Chow recommended Bronzini Dental GroupWe're big fans of Dr. Nick Bronzini in Millbrae. He's a great dentist with a wonderful "chairside" manner with kids. We refer all our friends and neighbors to him, and they've all had great experiences too. Which reminds me, time to make an appointment! http://www.bronzinikidsdds.com read more
Daisy Chow is looking for a great Appliance/Refrigerator repair person in Millbrae, CAWe came back from a trip to find our refrigerator at 50 degrees F and the freezer at 20 degrees F. We've been home for a day now, and the temps have stayed the same. Looks like we could use a recommendation for a refrigerator repair person! Thanks! read more
Daisy Chow recommended Martin J Wolff & Company Inc.Sasha helped put together a great basic benefits package for a small startup company, and he and his team were instrumental in getting the employees insured quickly and for a reasonable cost.
Sasha’s knowledge of medical/vision/dental insurance is encyclopedic, surpassed only by his ability put it in everyday terms for us to understand. His pragmatic advice was indispensable, helping get the most coverage for the employees while minimizing costs to the employer. He really performs his due diligence: he made sure we considered all feasible options while keeping in mind the long term so the company wouldn’t make the benefits mistakes typical of startups. Sasha’s extensive experience in insurance really shows.
His team continues to provide our employees with support, and, in fact, they urge us to contact them first if any problems come up because he and his team can often drastically cut down the amount of time it takes to resolve an issue (and they have certainly done so!).
In short, Sasha is awesome. He’s an insurance nerd, so you don’t have to be. I am grateful to have Sasha on our side. read more
Daisy Chow recommended 1080 Financial GroupI reached out to Stephen with a question about retirement plans, and even though I’m not a client, Stephen took the time to explain everything I needed to know. After speaking with Stephen at length, it became clear to me that Stephen is someone who has a genuine and sincere desire to educate people so they can make good financial decisions, and who is dedicated to transparency in financial services.
To be more specific, I was trying to find out the basic requirements to set up a 401k plan for a small business. Stephen helped me understand the four components: 1) a plan administrator that puts together the documents that govern the plan and the yearly form 5500, 2) a record keeper that tracks transactions and runs a web portal so employees can manage their accounts, 3) a custodian/trustee that acts like a bank for the money/investments, and 4) an investment/financial adviser — that would be 1080 Financial’s role.
He further explained the pros of having an adviser that is a 3(38) fiduciary: they are required to act in the best interests of their clients and to avoid conflicts of interest. The fiduciary would share with the plan sponsor (i.e. the company setting up the 401k plan for its employees) the liability for making sure employees have appropriate investment choices in the plan, amongst other duties, like being a point of contact for employees.
Stephen went on to detail the ballpark costs involved in creating and maintaining a plan, how those costs can be divvied up between the employer and employees, as well as some of the different ways employers can set up matching (if any) especially vis-à-vis compliance testing (e.g. Safe Harbor plans).
He also turned my attention to other, potentially more cost-effective alternatives for smaller companies. One option Stephen spoke about in detail was a SIMPLE IRA. He explained that this type of individual retirement account has the advantage of no compliance testing and no reporting requirements so you save on admin costs/time, but the annual contribution maximum of $12.5k per employee is lower than the $18k max for a 401k. There’s also a requirement for an employer match of 3% and no wait for employees to be vested in the employer match. Finally, he noted that the SIMPLE IRA can be rolled into a 401k later on. This was an option that I would never have even thought about if Stephen hadn’t mentioned it, but now I could see the pluses, and you get the flexibility to become a 401k plan down the road.
I came away with a far better understanding of retirement plan options than I could’ve imagined. I was impressed with Stephen’s knowledge of retirement planning — he touched on topics from pensions (defined benefit plans) to the tax advantages for employers — and with his ability to explain things in a clear and easy-to-understand manner. Stephen also followed up immediately by sharing a helpful information sheet. Though I had contacted Stephen while strictly on an information-gathering mission and made that clear, Stephen was still patient in his explanations and generous with his time. Thumbs up for Stephen! read more
Daisy Chow recommended Hyperactive MonkeyThe most hyperactive designs around are to be found right here! Jerome's art is full of action, adventure, and a large dollop of whimsy, with lots of fun for the whole family. He has an extensive background in the toy industry and is now the Head Monkey of his own studio.
He is a reliable and responsive designer who doesn't mind taking time out to "please Photoshop this real quick" for his significant other. read more