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Business Services

Client Centered

You work hard every day to build a strong future for your company and its employees, and your dedication shows in the results you deliver to your customers and stakeholders.

We’re equally dedicated to the financial well-being of both you and your business. We offer access to quality investment and insurance strategies customized to address the individual needs of businesses of every size and in all stages of development.

Based on our thorough understanding of both opportunities and challenges you face, we can provide comprehensive strategies to address your business needs while delivering a high level of customer service.

Small Business Owner Client Brochure

  • Retirement Plans - We offer a broad array of retirement options, and if one of the following is not right for you, your Financial Advisor will work with you to find the one that is. View the retirement plan comparison guide here.
    • SEP IRA
    • Simple IRA
    • Solo 401(k)
    • 401(k)
    • Defined benefit 403(b) 457 profit-sharing plan
    • Cash balance
    • Non-qualified deferred compensation (NQDC)
    • Employee stock ownership plan (ESOP)
  • Insurance Plans - Most businesses utilize a wide variety to assist with business planning. The following are a few products that we offer:
    • Succession planning 
    • Buy/sell agreements
    • Disability insurance
    • Key person insurance
    • Deferred compensation
    • Non-qualified retirement plans
    • Group long-term care
    • 412(i)
  • Cash Management Services - We offer access to a variety of cash management services, each customized to address the individual goals of businesses of all sizes. 
    • Cash enhancement strategy
    • Cash management
  • Personal Wealth Management - With access to a wide range of products and services, we will work with you to build a diversified portfolio to better position you for potential returns and help manage risk.

Providing services from retirement and insurance to cash and personal wealth management strategies, your Kinecta Wealth Management advisor can be the qualified professional you need to help you ensure that your business is positioned to succeed today, tomorrow and for years to come.

Contact us today for a no-obligation consultation to see what working with us can do for your business and personal success.

Howard Martinez, CPFA
Serving Southern California

Qualified Plan Specialist, LPL Financial Advisor, CA Insurance License #0745256



Serving Southern California As a Qualified Plan Specialist with Kinecta Wealth Management, I implement, educate, and manage group retirement plans. With over 20 years of experience in the financial services industry, I am deeply...

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Paul Smith

Insurance Protection Specialist, CA Insurance License #0E67251


As an Insurance Specialist with Kinecta Wealth Management, I have developed a specialization in working with individuals, families and small to mid-size business owners, understanding the unique challenges they face in safeguarding...
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