Defined Plan Advisors

Defined Plan Advisors We are focused on delivering retirement plan consulting services. Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC.

With over 40 years of combined experience working with corporate retirement plans, you can rely on us to be central to your 401(k) plan. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. Kestra IS or Kestra AS are not affiliated with Defined Plan Advisors or Retirement Plan Advisory Group. This site is published for residents of the

United States only. Registered Representatives of Kestra IS and Investment Advisor Representatives of Kestra AS may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed. Not all products and services referenced on this site are available in every state and through every representative or advisor listed. For additional information, please contact our Compliance Department at 844-5-KESTRA (844-553-7872). The web site links referenced are being provided strictly as a courtesy. Neither us, nor Kestra IS or Kestra AS are liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of the links provided. Investor Disclosures: https://www.kestrafinancial.com/disclosures

06/24/2026

Many plan sponsors look at their retirement plan once a year when reports arrive.

But what if plan health isn't really about account balances or investment performance?

A simple question can reveal a lot:
Are more employees saving today than they were a year ago?

Participation rates, deferral trends, and the effectiveness of auto-features can tell a story about employee engagement and financial readiness.

Sometimes the most valuable insights come from looking beyond the investment lineup and focusing on how employees are actually using the plan.

What metric do you find most useful when evaluating plan success?

Investors should understand the ways in which financial professionals are compensated for the services they provide.
06/24/2026

Investors should understand the ways in which financial professionals are compensated for the services they provide.

Read this overview to learn how financial advisors are compensated.

Your debt-to-income ratio is one of the key numbers lenders look at. Find out where you stand and what it might mean for...
06/22/2026

Your debt-to-income ratio is one of the key numbers lenders look at. Find out where you stand and what it might mean for major financial decisions.

Calculate your debt-to-income ratio to understand how lenders may view your financial health.

When markets wobble, even experienced investors can get nervous. But history holds some encouraging lessons.
06/19/2026

When markets wobble, even experienced investors can get nervous. But history holds some encouraging lessons.

When markets shift, experienced investors stick to their strategy.

Want to test your life insurance knowledge? Take our quiz and find out where you rank.
06/17/2026

Want to test your life insurance knowledge? Take our quiz and find out where you rank.

How much do you know about one of the most important tools you have to help protect your and your family’s financial future?

No one likes paying taxes, but that check to the IRS is often a sign your investments are doing exactly what they’re sup...
06/16/2026

No one likes paying taxes, but that check to the IRS is often a sign your investments are doing exactly what they’re supposed to. In today’s increasingly concentrated market environment, avoiding taxes can come at the cost of taking on unintended risks. In this week’s Money with Murphy, Kara reframes how to think about capital gains and why disciplined portfolio management matters more than tax avoidance.

No one likes paying taxes, but that check to the IRS is often a sig...

82% of employers are already using or planning to use AI in their workforce. At its core, AI is a risk. Phishing, social...
06/16/2026

82% of employers are already using or planning to use AI in their workforce.

At its core, AI is a risk. Phishing, social engineering, and AI-generated misinformation are among the top cybersecurity threats employees face today.
And the #1 AI priority employers identified? Training employees to recognize it.

How you frame AI to your workforce matters. Employees who don't understand the guardrails are a liability. Employees who do are an asset.

For CFOs and HR leaders, AI is increasingly a governance conversation rather than one around innovation or adoption.



Learn more on this trend:

Employees need training to help curtail the risks posed by artificial intelligence, according to new reports.

06/15/2026

What could your IRA actually produce in retirement income? Enter your balance and assumptions to see a projection of monthly withdrawals over time.

Dividend yield tells you how much income a holding generates relative to its price. Use this tool to calculate yield and...
06/12/2026

Dividend yield tells you how much income a holding generates relative to its price. Use this tool to calculate yield and see what it could mean for your portfolio.

Calculate the dividend yield of a holding and see what that means for income over time.

06/12/2026

Dividend yield tells you how much income a holding generates relative to its price. Use this tool to calculate yield and see what it could mean for your portfolio.

Address

1012 11th Street, Suite 200
Modesto, CA
95354

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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