Compensation Designs (CDS) was established in 1985. Initially, CDS designed employee benefit plans, exempt plans, and created tax favored retirement plans. Employers retained us to advise on retirement plans, prepare employee communication books, and create retirement plans for senior management personnel. Once created, CDS met periodically with each client to track performance and determine that the financial program was "on track" - so the client could maintain the life style desired through his or her retirement years.
As word of this service spread, CDS received requests for assistance in retirement planning from rank and file employees. Word of mouth advertising did the rest. CDS depends on an independent broker dealer, VSR Financial Services, for investment products. Since VSR does not produce any investment products, they exert no pressure on brokers to "push" a particular brand. All securities are traded through First Clearing, owned by Wells Fargo.
Few advisors are as experienced on the intricacies of planning on both sides of an individual's time horizon: before retirement, using tax and benefit laws during employment; and after retirement, in moving from accumulation mode into consumption mode. CDS actively adds educational sources and software tools to improve their ability to serve their clientele.