Named a Financial Times Top 401(k) Advisor in 2015, Sunset Cliffs Capital in Point Loma delivers retirement-plan design and individual investment advisory services through Cambridge Investment Research from its Rosecrans Street office near its namesake coastline. The practice concentrates on employer-sponsored retirement plans for small businesses, structuring 401(k), SIMPLE IRA, and SEP IRA programs alongside personal portfolio management and insurance — a retirement-planning ecosystem that dovetails with the tax-optimization strategies at StratatTax nearby. Series registrations through Cambridge Investment Research Advisors and a California insurance license allow the firm to execute securities transactions and write annuity and life policies under a single advisory relationship. Plan sponsors evaluating fiduciary liability and fee benchmarking against ERISA standards pair those compliance reviews with the property and casualty coverage available through Einhorn Insurance Agency in Point Loma. The firm's highest-complexity engagements involve designing custom 401(k) investment menus with qualified default investment alternatives, automatic-enrollment provisions, and safe-harbor matching formulas for owner-operators seeking maximum tax-deferred contributions.