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Introduce you to Programs that Increase Cashflow

Lower Your Payroll Tax Liability!
Is this something you would want?

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How does the Federal Program help a Business?

Save $500
per Employee
per Year

This little-known Affordable Care Act program reduces an Employer's payroll taxes for all eligible employees. 

Eligible employees must be W2 full-time workers working 30 hours per week. 

All types of organizations are eligible to participate:

Public, Private, Union, Non-Union, and Nonprofit. 

20% - 30%
Workers' Comp

With the uncertainty of how Covid-19 will affect your future Workers' Compensation premiums, companies should do all they can to lower premiums now.

A Company is limited on what they can do to lower their Workers' Comp premiums. Implementing a Safety Program, a Return to Work Program, Joining a State-Sponsored Program, or securing a Group Rating are the typical responses a company can pursue to lower premiums. 

With our help, a California business may be able to reduce Workers' Compensation premiums by an estimated 20% - 30%. 

Employee Benefits
No Investment

Our Key Program provides a non-taxable allowance to purchase supplemental benefits (think: critical care, accident, disability, cancer care, and life insurance) without reducing the employees take-home pay.


Added features of the program provides virtual access to telemedicine, counseling, financial, and legal support services plus an educational portal to support healthy lifestyle choices.  

This Federal Program requires No Investment from Employer.

Here are the estimated savings for different-sized companies.

Minimum eligibility requires 3 full-time employees

Who work a minimum of 30 hours per week



Payroll Tax Savings per Year


Workers' Comp

Gross Wages Reduction



Payroll Tax Savings per Year


Workers' Comp

Gross Wages Reduction



Payroll Tax Savings per Year


Workers' Comp

Gross Wages Reduction


Learn More from a Federal Programs Specialist

How does the Federal Program help an Employee?

Non-Taxable Allowance

The Affordable Care Act's primary goal is to provide more benefits for Americans. This little-known provision details how a company can use their "Cafeteria Plan" to its fullest potential. A cafeteria plan permits an employee to pay for their "share" of healthcare benefits. 

This incentive plan permits a company to incorporate this type of incentive which provides a non-taxable allowance that must be spent on specific supplemental benefits: Accident, Critical Illness, Cancer Care, Disability or Life Insurance.


In the aftermath of Covid, people are taking a harder look at Supplmental Benefits and how those benefits can help their families. 

This ACA program's allowance requires participating employees to use the entire allowance to purchase their options.


Employees can choose from a one company program that has every option or individual plans from multipe providers. We can help the employee decide which works best for the employee's unique circumstance. 

Save Money

How does an employee save money? 


First, if they are paying for Supplmental Benefits, this program provides an allowance to purchase Supplemental Benefits from providers of the program.

Second, most employees buy Accident Benefits. Accident plans provide a cash payment to the employee when a claim is presented to the insurer.

Third, Supplemental benefit plans are instrumental in reducing out of pocket expenses for future unplanned events.

Schedule Your Discovery Call to Get Started

Why should an Employee Participate in this Program?

Here are some reasons why an Employee should consider participating in this ACA program:

  • No Out-of-Pocket Cost. An employee and their family can benefit from these valuable insurance policies without impacting the family's budget. An employee's Take-Home Pay will remain the same!

  • Family Income Protection. If a family relies on an employee's monthly income; it is critical to protect it. All of these policies provide cash to the insured when a claim is filed per the policies terms and conditions. 

  • Reliance on Credit Cards. A 2021 survey by Bankrate showed that 39% of Americans could pay for a $1,000 emergency expense. The majority of Americans would have to borrow the money (18% would use a credit card). The insurance policies available would help lessen the need to incur more debt during the emergency.

  • Family History. Critical illnesses may be a part of the employee's family history. Having a plan for out-of-pocket expenses could be a strong financial plan. 

  • Do they have Children? Kids get sick and they get injured especially when they play sports. Having a plan to cover out-of-pocket expenses could be a great solution to lessen the financial impact to the family's budget.   

  • Be Insured when Accidents Happen. Car accidents, slip & falls, playing league sports or just life happening. An employee's medical insurance helps them with the doctors. Who helps the employee & their family pay for rent, food & gas while they are off of work?

What are my Next Steps as a business owner?

Schedule a Discovery Call

During our Discovery Call, we will discuss the details of the plan, the simplicity of implementation, and savings for the business.

We Need Some Info

We will need a payroll report and W4 for each employee. We will fill out all the documentation, and provide you with a detailed report showing expected payroll tax savings, details on the allowance per employee, and estimated reduction on workers' comp gross wages. 

Employee Participation

We will schedule an enrollment session (In-Person or Zoom). We will explain the details for the employees and explain that their take-home pay will not be reduced. Employees will be able to choose how they would like to spend the non-taxable allowance provided by the federal government. 

Practice Run

To ensure the highest quality control, the administrator of the program will complete a practice run to confirm that all deductions and plans are correctly associated with each participating employee.  


Once all items have been confirmed, and the practice run scores 100%; we will confirm your date for implementation and engage the program. During the entire program, we will be available to support your organization. 

Are You Ready to Sign Up for this Lucrative Program?

Does this Program Work with NonProfits?

Yes, Absolutely!

After more than a year of enduring the Coronavirus shut down, nonprofits were hit particularly hard. A nonprofit organization can participate in this program to help its own employees and reap the payroll tax-saving incentives, and workers' comp gross wage reductions associated with the program.


If I was advising a nonprofit, I would tell them that their donors were hit particularly hard too. The challenges to fundraising could be reversed by helping your donors become aware of this program. By helping them, a portion of their savings could be donated to your nonprofit. Helping your donors learn about this lucrative Federal Program will certainly make your nonprofit stand out amongst your peers. This program can help private, public, union, and non-union organizations of any size above 3 full-time W2 employees.  

Recently, a well-recognized nonprofit participated in this Federal Program to capture the savings for their own organization plus provide additional benefits for their full-time workforce. The idea of sharing this program with other nonprofits and their donors began the day after they completed their first payroll for their workforce. Seeing the impact spurred the nonprofit's CFO to call another nonprofit's CFO and tell them about the program. 

Leaders of nonprofit organizations and creative fundraisers can embrace the concept of sharing this ACA Incentive Program and gently reminding their friends and donors that sharing in the savings would be a fantastic idea plus the donations are still tax-deductible. 


Frequently Asked Questions

Life Insurance

Do I really need life insurance?

If your family relies on your monthly income, then you should consider buying life insurance. The tragic loss of losing a loved one is compounded when the reality of the mortgage, education and daily expenses become due. Here are some other reasons to consider life insurance. 1. Parents with minor children 2. Parents with special-needs children 3. People who own property together 4. Elderly parents who rely on you 5. Young adults whose parents co-signed student loans or a car loan 6. Young adults who want to lock in low rates on permanent insurance 7. Families expecting to owe estate taxes 8. The cost of burial / funeral 9. Maximizing a Pension 10. One income household

I have minor children and I want to protect their future; how do I get started?

It is admirable that you are thinking of them. You probably already have an idea of what you want to do for them. On our website, we have a quote tool with an accompanying calculator. Use the calculator to make sure you have all the expected costs covered. Use our Quote Tool. You can get started with the quote, however, an agent is always available for a Discovery Call or Zoom with an Agent. Remember, minor children will require a trust to be created for them in order for the insurance company to release the death benefit. So you have to plan for that too. We can help you.

What is a life insurance rider?

A rider is an insurance company's offer of customizing an insurance policy for a policyholder. There are a variety of riders that are available depending on the insurance company.

What is an Accidental Death Benefit Rider?

It is a rider when purchased provides additional life insurance coverage in the event the death of the insured was an accident.

What is a Waiver of Premium Rider?

It is a rider when purchased provides premium payment coverage if the insured becomes disabled and unable to work.

What is an Accelerated Death Benefit Rider?

It is a rider when purchased permits the insured to collect a portion or all the death benefit when diagnosed with a terminal illness.

What is a Long Term Care Rider?

It is a rider when purchase it permits the insured to collect a portion or all of the death benefit to pay for a nursing home, assisted living or in-home care when the insured needs this type of assistance.

What is a Guaranteed Insurability Rider?

It is a rider when purchased permits the policyholder to purchase additional insurance at a later date without a medical review.

Business Life

Is business life insurance expensive?

Term life insurance is one of the most affordable ways to protect your business and family. Yet, it is not the only solution available to you. We recommend a Business Discovery Call because a business is an important part of your family's income. It is always best to protect your family's primary source of income. Schedule a Business Discovery Call today.

How do I determine if I need Key Person Life Insurance?

Key Person Life Insurance can be for an owner, investor, or key employee. An owner may want to have Key Person insurance to cover any debts the company may have that are tied to personal family assets. An investor may be interested in having Key Person life insurance to protect their investment. A business owner may have key employees that handle the day-to-day operations of the business and the loss of those key people would have a devastating effect to the business. The key aspect of Key Person Life Insurance is that it provides for a smooth transition to maintain stability instead of a chaotic transition.

Group Health

How many employees do I need to start a group health policy?

You can begin a group health policy with 2 employees.

What do I need to do to begin?

First, Schedule a Business Discovery Call so we can find out the details of your business and have an understanding of what we should be quoting. Second, we will supply you with an employee census form that needs to be filled out. Third, we will meet via Zoom and outline the available group health proposals. Lastly, you approve the solution and we begin enrollment. The typical time-frame is 14-21 days unless you have an emergency deadline looming.


Does the supplemental insurance company pay the doctor or hospital?

No. Your supplemental policy is with you and you will be paid directly by the insurer.


Can I pay you in cash?

We do not accept cash or any payments directly. All of our transactions are handled via digital transactions with our quote tool or directly with the insurance company.

Do you have an office I can visit?

Once the pandemic is over, we look forward to re-opening our office and visiting with our clients. In the meantime, you can schedule a Discovery Call or Zoom with an Agent. All business is handled using encrypted transactions and your personal information is 100% secure.

What does it mean to be an "Independent Insurance Broker"?

An Independent Insurance Broker means that we are not STUCK (insurance term is "captive") with One Insurance Company. We can pursue what is best for you and seek out other choices. Here is a list of our Insurance Partners. We are not restricted by any insurance company. We can pursue business with any Life, Health or Accident insurance company.

ACA Incentive Program

How much money does an employee get to spend?

During the initial set up with the business, the calculations are developed for each employee that has agreed to participate. The employee will know how much money is available to them to purchase supplemental benefits through our insurers.

Is it really free?

The program is a Federal subsidy for every full-time employee. The program essentially "frees up" tax dollars that would have normally been paid as payroll taxes to the Federal Government. The U.S. government grants permission to your employer to re-direct the money back to you provided you purchase eligible supplmental benefits.

Am I purchasing the benefits?

Yes. You are purchasing the benefits with money that has been set-aside by the U.S. government for you to specifically purchase eligible supplemental benefits.

Does my employer decide what benefits I can purchase?

No. The employee decides what policies they would like to purchase with the available allowance.

Will my take-home pay be reduced?

Your take-home pay will not be reduced. If your monthly take-home pay was $3,752.21 before you started the program, your monthly take-home pay will continue to be $3,752.21 until you get an increase in your salary.

Do you have to be a salary or hourly employee?

It does not matter. You can be an hourly or salary worker. The only thing that matters is that you are a full-time worker with a minimum hours worked of 30 hours.

Customer Service Rep

At Your Service

From Orange County, we cover California.


We work with you to listen to your goals, and we develop a strategy to satisfy your requirements with insurance products from the leading insurers. 

You have the advantage, today. Take the opportunity to schedule a Discovery Call with an agent:

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