Advisory & Consulting Services

1. Flexible Spending Accounts (FSA)

A Flexible Spending Account (FSA) is a tax-advantaged savings account that employees can use to pay for qualified medical and dependent care expenses.

• Key Benefits: Employees contribute pre-tax dollars, reducing taxable income.

• Covers: Medical co-pays, prescriptions, dental care, vision expenses, and childcare.

• Who Needs It? Businesses that want to offer employees additional healthcare savings options.
  A great way for employees to save on healthcare costs while reducing employer payroll taxes.

2. Professional Employer Organizations (PEO)

PEOs provide businesses with HR, payroll, employee benefits, and compliance support by co-employing workers.

• Key Benefits: Reduces administrative burden, provides access to better employee benefits, and ensures compliance with labor laws.

• Who Benefits? Small to mid-sized businesses looking to streamline HR functions.
  An ideal solution for companies that want to focus on growth while outsourcing HR and compliance management.

3. Online Benefit Platforms

Online benefits platforms simplify employee benefits management by offering a centralized portal for enrollment, tracking, and compliance.

• Features: Employee self-service, automated enrollment, real-time reporting, and compliance tracking.

• Who Needs It? Businesses that want to modernize benefits administration with digital tools.
  Enhances efficiency, reduces paperwork, and improves employee experience with easy access to benefits.

4. Exclusive Employer Insurance Programs

Custom-designed insurance solutions tailored to the specific needs of businesses and industries.

• Includes: Group health, dental, vision, disability, and other specialized employer-sponsored plans.

• Who Benefits? Companies seeking unique insurance solutions beyond standard offerings.
  A personalized approach to employee benefits that ensures comprehensive coverage at competitive rates.

5. Medicare Consulting

Expert guidance on navigating Medicare options for individuals and businesses with employees nearing retirement.

• Services Include: Medicare enrollment, supplemental plans, Medicare Advantage, and Part D prescription coverage.

• Who Needs It? Businesses with aging employees, retirees, or individuals transitioning to Medicare.
  Ensures employees make informed decisions about their healthcare coverage after retirement.

6. Insurance Consulting

Comprehensive advisory services to help businesses and individuals choose the right insurance plans based on needs and budgets.

• Includes: Risk assessment, policy analysis, cost-benefit evaluations, and compliance reviews.

• Who Benefits? Companies seeking expert insights on optimizing insurance coverage.
  Helps businesses and individuals make strategic insurance decisions for better financial security.

7. Section 125 – Premium Only Plans

A Section 125 Plan allows employees to pay health insurance premiums with pre-tax income, reducing taxable wages.

• Key Benefits: Employers save on payroll taxes, and employees get more take-home pay.

• Who Benefits? Businesses offering employer-sponsored health insurance.
  A cost-effective way to enhance employee benefits while maximizing tax savings.

8. Employee Assistance Programs (EAPs)

EAPs provide confidential support services to help employees manage personal and work-related challenges.

• Services Include: Mental health counseling, financial planning, legal advice, and substance abuse assistance.

• Who Needs It? Companies looking to improve workplace well-being and employee retention.
  Fosters a healthier, more productive work environment by offering employees professional support.

9. Advisory Services

Professional consulting services that help businesses navigate insurance, employee benefits, and risk management.

• Includes: Custom strategy development, compliance guidance, and policy optimization.

• Who Benefits? Businesses of all sizes looking to improve financial planning and benefits management.
  Expert insights to ensure companies stay compliant and competitive in employee benefits and insurance planning.

10. Individual Insurance Products

Customized insurance solutions for individuals, including life, health, disability, and long-term care insurance.

• Options Include: Term life, whole life, health insurance, and supplemental coverage.

• Who Needs It? Individuals seeking personal coverage outside of employer-sponsored plans.
  A flexible way for individuals to secure financial protection tailored to their needs.

11. Payroll Integration

Seamless integration of benefits management with payroll systems for efficient processing and compliance.

• Features: Automated deductions, tax calculations, and real-time reporting.

• Who Benefits? Businesses looking to streamline payroll and benefits administration.
  Reduces administrative workload and ensures accuracy in benefits and payroll processing.