Important Licensing and Other Disclosure Information

Most of our work is done on a pure fee basis with monthly invoices for professional services being sent to our clients.  However, some of the best arrangements for retirement plans are available from financial institutions, brokerage firms and insurance companies.  In order to discuss or handle these special retirement programs, various licenses are required.

For purposes of any insurance company retirement program offered to trustees in California, we have a California Corporate Insurance License # 0A99982.   The California Insurance Department requires us to do business under a dba containing the word "insurance".  For that purpose, we use a business name of: PDC 401(k) and Insurance Services.  Our actual corporate name is Plan Design Consultants, Inc.  If we are recommending one of the insurance company products to trustees of retirement plans located in other states, we will either have the appropriate insurance license for that state or a properly licensed individual in that state will be involved in the sales process. 

Some states also require a Securities License in order to offer a retirement program or a 401(k) plan that is underwritten by an insurance company if that program involves mutual funds or variable products.  Other retirement products we might provide from broker/dealers, brokerage firms and/or mutual fund families also require a Securities License.  In some cases, we may be working in conjunction such a licensed individual who is not a part of our firm.  In other cases, Richard Viola, who is a member of our firm will handle the sales process.

Securities are offered through L.M. Kohn & Company, Cincinnati, OH 45242, Member NASD/SIPC.  Prospectuses are available from Richard Viola or by writing L.M. Kohn & Company, 9810 Montgomery Road, Cincinnati, OH 45242.  

Please read prospectuses carefully before you invest or send money.