Why Choose Us
You'll Retire Once. We Help Kaiser Employees Retire All Year Long.
Work with a fiduciary advisor who is legally required to give advice in your best interest.
Fiduciary Standard
Advice given in your best interest, always.
Advice Over Products
We don't sell products, we provide guidance.
No April Surprises
Tax planning and preparation year-round.
Transparent Fees
Clear pricing with no hidden costs.
Kaiser Pension Expertise
Understanding your Kaiser pension options.
Results Focused
Measurable outcomes for your financial goals.
Modern Digital Platform
Access your accounts anytime, anywhere.
About Bereket
Your Trusted Kaiser Retirement Specialist
After serving in the Air Force repairing avionics systems on the F-16, I learned the importance of attention to detail and responsibility—skills that now guide my financial planning practice.
My focus has narrowed to working with medical professionals in the Sacramento region, a community I know well. At least half a dozen family members, relatives, and friends work at Kaiser. My wife is a 20-year employee of Kaiser, working in the lab.
I'm a CA-licensed, fee-based fiduciary advisor. I work for my clients alone and owe them a duty of undivided loyalty and utmost good faith.
Our Process
What You Get in the First 30 Days
A clear, structured approach to understanding your Kaiser benefits and planning your retirement.
1
Discovery Call (20 Minutes)
Advice given in your best interest, always.
2
Data & Benefits Review
Tax planning and preparation year-round.
3
​One-Page Retirement Readiness Plan
Understanding your Kaiser pension options.
4
Implementation
Access your accounts anytime, anywhere.
Kaiser Expertise
How We Align Your Kaiser Benefits With Your Plan
Understanding Kaiser's unique benefits structure to maximize your retirement.
Optimize Your 401(k)
Contribution strategy, Roth vs pre-tax decisions, and catch-up contributions tailored to your situation.
Pension Options
Picking the right option for you (and your spouse) from Kaiser's pension plan.
Paycheck Tune-Up
Income projections each year with tax withholding check-ups to avoid surprises.
What You Get
Results You Can Expect
Measurable deliverables that give you clarity and confidence.
One-Page Financial Plan
Clear action items you can actually follow.
Retirement Income Projection
With spending guardrails for peace of mind.
Updated Tax Projections
Each year to avoid April surprise bills.
Social Security Timing Strategy
Optimized for your specific situation.
Who We Serve
Is This Right for You?
We work with Kaiser employees at different stages of their career.
Ready to Retire
You're ready to put in your 90-day notice and want everything in order.
In Your 50s
Starting to think seriously about when you can retire and what that looks like.
In Your 40s
Asking 'Are we saving enough?' and want a clear roadmap.
Pricing
Transparent. Simple. Aligned with your best interests.
Fee-based planning with no hidden costs or product commissions.
Fiduciary
Fee-only advice
No commissions. No product sales.
How we're compensated
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We're paid only by our clients. No commissions, no product sales, no kickbacks.
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Clear scope, clear fees, quoted up front before any work begins.
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You can hire us for ongoing wealth management (AUM) or planning without moving assets.
Why this model serves you better
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Incentives that align: Our advice isn't influenced by product payouts.
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Predictable, plain-English fees: No hidden costs or surprise add-ons.
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Flexibility: Planning available without moving assets; implementation when you want it.
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Focus on outcomes: We measure success by your progress, not by products sold.
What to expect on a call
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We'll learn about your goals and complexity (equity comp, business/real estate, tax scope).
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We'll recommend the best engagement path (ongoing wealth management or planning-only).
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You'll receive a clear proposal with your exact fee, scope, and timeline before you decide.
FAQ
Common Questions
Answers to questions we hear most often.