Learn About Our Strategy
Your all-in-one solution for up to $2.5 Million of enhanced FDIC protection and competitive yields.
Our program strategically spreads your cash reserves across multiple FDIC-insured banks, maximizing your protection up to $2.5 Million. Feel confident in knowing your funds are safeguarded to the highest standard.
Your cash funds will be held at large, well-known custodians like Fidelity Institutional and LPL Financial. This ensures the utmost safety and reliability for your cash reserves.
Establish a seamless link between your custodian and your checking or operating account for effortless ACH and Wire transfers. Enjoy the flexibility of having instant access to your funds whenever you need them.
We aim to help you maximize your yield by using a variety of financial instruments like T-Bills, CDs, or government securities. Benefit from competitive returns without compromising on security
Manage all your banking and government securities holdings on one consolidated statement. Streamline your financial oversight and simplify your monthly reconciliation process.
Utilize our online portal to keep a real-time pulse on your ReserveGuard360 account. Integrate seamlessly with your accounting software for hassle-free financial management.
About Pension Financial Group
Who We Are
Pension Financial Group is a premier financial advisory and investment management firm committed to shaping the financial futures of high net worth individuals and businesses. Headquartered in Los Alamitos, CA, we have expanded our reach over the years to include clients across the country. Our experienced team of financial professionals and investment strategists is dedicated to delivering personalized financial strategies for your unique needs.
What We Do
We take a personalized approach to asset management. Our services range from retirement planning, estate planning, and tax optimization to cash management strategies aimed at preserving the cash reserves of high-net-worth customers and businesses.
While we offer a broad spectrum of financial services, our core expertise lies in managing the complex financial needs of high-net-worth individuals and businesses. Whether you’re an entrepreneur, a CEO, or a family with significant assets, we offer specialized services that are designed to maximize your wealth and secure your legacy.
Integrity and Compliance
We are committed to the highest ethical standards to our customers and regulatory agencies. The advisors at Pension Financial Group, LLC adheres to the fiduciary standard, ensuring that your interests are always put first.
About Richard Sturm
Since 1989, Richard has worked in financial services, initially focusing on retirement and pension asset management at MetLife Securities. Driven by a commitment to client success, he founded Pension Financial Group, LLC, offering advisory and financial management services tailored to high-net-worth individuals and companies.
Richard prioritizes a high level of customer service, extending from individual wealth management to comprehensive family estate planning. He holds FINRA Series 6, Series 7, Series 63, and Series 65 licenses through LPL Financial and has a degree in business. His approach combines industry expertise with a focus on practical, client-centered solutions.
As a public speaker, Richard has lent his motivational style to many corporate, fraternal, civic, and faith-based organizations. Among these groups, Richard has spoken for the Lion’s Club International, The Optimists, the City of Westminster, the Communications Workers of America, and numerous faith-based organizations across the country.
You can also find Richard teaching classes on financial management, Social Security, and retirement income planning, and has been consulted as a source for various news outlets like U.S. News and World Report, Yahoo! Homes, and Consumer’s Digest.
Richard is a native Californian who grew up around Long Beach, CA. Today, he calls Orange County home along with his wife Tracy Sturm, a Realtor® at RE/MAX Real Estate Specialists. Richard and Tracy are proud parents of two children, Zachary and Sarah.
Let’s Start the Conversation!
If you’re ready to take a deeper dive into ReserveGuard360®, please complete the information below. One of our experienced cash management advisors will be in contact to answer your questions.