California Benefits and Retirement Group, LLC

The firm provides ongoing portfolio management and financial planning to individuals (including high‑net‑worth), charitable organizations, and business entities. It documents each client’s situation and risk tolerance in an Investment Policy Statement and advises on mutual funds, fixed income, insurance products (including annuities), equities, ETFs (including precious‑metal ETFs), TIPS and non‑U.S. securities.

Its investment process combines multiple methods of analysis — including charting, cyclical, fundamental, quantitative, technical, and modern portfolio theory — and typically implements long‑term trading consistent with documented client risk tolerances. The firm generally seeks discretionary authority to execute trades, monitors accounts regularly, and states policies to allocate limited investment opportunities fairly among clients.

The brochure discloses several uncommon features for a small independent adviser: the principal is also registered with a broker‑dealer and with another investment adviser, the firm may accept commissions and soft‑dollar research, and it offers performance‑based fee arrangements for qualified clients with a high‑water mark. These outside relationships and fee arrangements are identified as potential conflicts of interest in the brochure and are addressed through disclosed policies and client disclosures.