JJ spoke about retirement solutions available to small business owners. He said that the California state mandate requires businesses with five or more employees to offer a retirement plan, else they will be fined. However, in spite of being a cost in terms of time and/or money, it also allows businesses to attract talent because offering good benefits to employees shows that they care about the employees. Also, there is a Federal credit available for the first three years to compensate for the cost incurred in setting up a new retirement plan. JJ suggests that there are many options available and it is important for the business owners to give time to come on a quick call and evaluate the benefits of going with a private company like Human Interest and compare it with the CalSavers state plan.