Chad Parks didn't know he would become a retirement guru.

But when he chose to focus on personal finance, as opposed to corporate, during his master's education at Golden Gate University the "seed was planted." He got licensed in financial planning during his tenure as a retail stockbroker and began working with small business owners in his investment advisory practice. That's when the light bulb went off - he was always recommending that each small business get a retirement plan in place to coincide with their employee benefits. He didn't see any products that met his clients' needs. "One thing led to another, and I started The Online 401(k)," he says.

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