FICA Solutions

💼 𝙒𝙝𝙚𝙣 𝙋𝙧𝙤𝙩𝙚𝙘𝙩𝙞𝙣𝙜 𝙔𝙤𝙪𝙧 𝙏𝙚𝙖𝙢 𝘼𝙘𝙩𝙪𝙖𝙡𝙡𝙮 𝙄𝙣𝙘𝙧𝙚𝙖𝙨𝙚𝙨 𝙔𝙤𝙪𝙧 𝙋𝙧𝙤𝙛𝙞𝙩
𝗜𝗺𝗮𝗴𝗶𝗻𝗲 𝘁𝗲𝗹𝗹𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝘁𝗲𝗮𝗺 𝘁𝗵𝗲𝘆'𝗿𝗲 𝗴𝗲𝘁𝘁𝗶𝗻𝗴 $𝟱𝟬𝟬-$𝟯,𝟬𝟬𝟬 𝗠𝗢𝗥𝗘 𝗶𝗻 𝘁𝗵𝗲𝗶𝗿 𝗽𝗮𝘆𝗰𝗵𝗲𝗰𝗸𝘀 𝘁𝗵𝗶𝘀 𝘆𝗲𝗮𝗿...

𝘞𝘩𝘪𝘭𝘦 𝘼𝙇𝙎𝙊 𝘴𝘢𝘷𝘪𝘯𝘨 𝘺𝘰𝘶𝘳 𝘤𝘰𝘮𝘱𝘢𝘯𝘺 𝘵𝘩𝘦 𝘴𝘢𝘮𝘦 𝘢𝘮𝘰𝘶𝘯𝘵 𝘱𝘦𝘳 𝘦𝘮𝘱𝘭𝘰𝘺𝘦𝘦.

𝗦𝗼𝘂𝗻𝗱𝘀 𝗶𝗺𝗽𝗼𝘀𝘀𝗶𝗯𝗹𝗲? It's happening right now through
𝘽𝙚𝙩𝙩𝙚𝙧 𝘽𝙚𝙣𝙚𝙛𝙞𝙩𝙨 𝙐𝙎𝘼—a nonprofit changing how smart companies handle healthcare.

𝗪𝗵𝗮𝘁 𝘆𝗼𝘂𝗿 𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗲𝘀 𝗴𝗲𝘁:

✅ Zero out-of-pocket healthcare costs
✅ 24/7 doctor access (unlimited)
✅ Medications delivered home
✅ $500-$3,000 more in take-home pay

𝗪𝗵𝗮𝘁 𝘆𝗼𝘂𝗿 𝗰𝗼𝗺𝗽𝗮𝗻𝘆 𝗴𝗲𝘁𝘀:

✅ $500-$3,000 savings per employee
✅ Better retention and morale
✅ Strategic tax advantages
✅ Complete cost control

𝟱𝟬 𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗲𝘀 = $𝟭𝟬𝟬𝗞+ 𝘀𝗮𝘃𝗶𝗻𝗴𝘀 𝗮𝗻𝗻𝘂𝗮𝗹𝗹𝘆

𝘛𝘩𝘪𝘴 𝘪𝘴𝘯'𝘵 𝘤𝘶𝘵𝘵𝘪𝘯𝘨 𝘣𝘦𝘯𝘦𝘧𝘪𝘵𝘴—𝘪𝘵'𝘴 𝘳𝘦𝘥𝘦𝘴𝘪𝘨𝘯𝘪𝘯𝘨 𝘵𝘩𝘦 𝘦𝘯𝘵𝘪𝘳𝘦 𝘴𝘺𝘴𝘵𝘦𝘮 𝘧𝘰𝘳 𝘮𝘢𝘹𝘪𝘮𝘶𝘮 𝘷𝘢𝘭𝘶𝘦.

𝗦𝗲𝗲 𝗵𝗼𝘄 𝘁𝗵𝗶𝘀 𝘄𝗼𝗿𝗸𝘀 𝗳𝗼𝗿 𝗬𝗢𝗨𝗥 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀:
👉 https://RichardGiraldez.com/employee-benefits -benefits

𝗢𝗿 𝗰𝗮𝗹𝗹 𝗺𝗲 𝗱𝗶𝗿𝗲𝗰𝘁𝗹𝘆:
📱 833-379-9727

Stop overpaying. Start protecting your people AND your profits.

I wish all of the mothers out there a Happy Mother's Day. We owe you our love and respect because we could not be here without you.

𝙄𝙛 𝙮𝙤𝙪𝙧 𝙤𝙧𝙜𝙖𝙣𝙞𝙯𝙖𝙩𝙞𝙤𝙣 𝙝𝙖𝙨 𝟭𝟬𝟬+ 𝙛𝙪𝙡𝙡-𝙩𝙞𝙢𝙚 𝙒-𝟮 𝙚𝙢𝙥𝙡𝙤𝙮𝙚𝙚𝙨, 𝙮𝙤𝙪𝙧 𝙝𝙚𝙖𝙡𝙩𝙝𝙘𝙖𝙧𝙚 𝙥𝙡𝙖𝙣 𝙢𝙖𝙮 𝙗𝙚 𝙥𝙧𝙞𝙘𝙚𝙙 𝙡𝙞𝙠𝙚 “𝙧𝙚𝙩𝙖𝙞𝙡”—𝙬𝙞𝙩𝙝 𝙡𝙖𝙮𝙚𝙧𝙨 𝙤𝙛 𝙢𝙖𝙧𝙠𝙪𝙥𝙨 𝙮𝙤𝙪 𝙣𝙚𝙫𝙚𝙧 𝙨𝙚𝙚.

𝙋𝙚𝙖𝙧𝙡 𝙇𝙤𝙜𝙞𝙘 (founded 2003) helps employers transition to an unbundled, employer-driven health plan that provides access to wholesale pricing for medical, pharmacy, and ancillary benefits—𝗼𝗳𝘁𝗲𝗻 𝗱𝗲𝗹𝗶𝘃𝗲𝗿𝗶𝗻𝗴 𝟯𝟬–𝟳𝟬% 𝗰𝗼𝘀𝘁 𝗿𝗲𝗱𝘂𝗰𝘁𝗶𝗼𝗻 𝘄𝗵𝗶𝗹𝗲 𝗸𝗲𝗲𝗽𝗶𝗻𝗴 𝗰𝗼𝘃𝗲𝗿𝗮𝗴𝗲 𝗶𝗻𝘁𝗮𝗰𝘁.

𝗛𝗶𝗴𝗵𝗹𝗶𝗴𝗵𝘁𝘀:

• $187M+ saved for clients
• Avg. $200–$400 PMPM reduction without raising employee costs
• Fast, no-cost, no-obligation audit
• 100% performance-based (no fee to prove savings)

𝗜𝗳 𝘆𝗼𝘂’𝗿𝗲 𝘁𝗶𝗿𝗲𝗱 𝗼𝗳 𝗴𝘂𝗲𝘀𝘀𝗶𝗻𝗴 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂’𝗿𝗲 𝗽𝗮𝘆𝗶𝗻𝗴 𝗳𝗼𝗿, 𝗶𝘁’𝘀 𝘁𝗶𝗺𝗲 𝗳𝗼𝗿 𝗳𝘂𝗹𝗹 𝘁𝗿𝗮𝗻𝘀𝗽𝗮𝗿𝗲𝗻𝗰𝘆.

𝗟𝗲𝗮𝗿𝗻 𝗺𝗼𝗿𝗲: https://richardgiraldez.com/employee-benefits -logic

𝗦𝗰𝗵𝗲𝗱𝘂𝗹𝗲 𝗮 𝗕𝗲𝗻𝗲𝗳𝗶𝘁𝘀 𝗖𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝘁𝗶𝗼𝗻: https://EmployerHealth.Solutions

𝗢𝗿 𝗖𝗮𝗹𝗹: 𝟴𝟯𝟯-𝟯𝟳𝟵-𝟵𝟳𝟮𝟳

𝙏𝙤𝙙𝙖𝙮 𝙬𝙚 𝙘𝙚𝙡𝙚𝙗𝙧𝙖𝙩𝙚 𝙨𝙤𝙢𝙚𝙩𝙝𝙞𝙣𝙜 𝙙𝙚𝙚𝙥𝙚𝙧 𝙩𝙝𝙖𝙣 𝙖 𝙙𝙖𝙩𝙚 𝙤𝙣 𝙩𝙝𝙚 𝙘𝙖𝙡𝙚𝙣𝙙𝙖𝙧. We celebrate a people who have built businesses in every corner of this country with nothing but work ethic, family, and faith. Who have fed communities, healed patients, built homes, cleaned offices, filed taxes, raised children, and kept this economy moving — often without recognition, often without support, and almost always without anyone telling them there was $800 billion in grant funding available to help them grow.

𝗧𝗵𝗲𝗿𝗲 𝗮𝗿𝗲 𝗼𝘃𝗲𝗿 𝟱 𝗺𝗶𝗹𝗹𝗶𝗼𝗻 𝗟𝗮𝘁𝗶𝗻𝗼-𝗼𝘄𝗻𝗲𝗱 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀𝗲𝘀 𝗶𝗻 𝘁𝗵𝗲 𝗨𝗻𝗶𝘁𝗲𝗱 𝗦𝘁𝗮𝘁𝗲𝘀. 𝗧𝗵𝗲𝘆 𝗴𝗲𝗻𝗲𝗿𝗮𝘁𝗲 𝗼𝘃𝗲𝗿 $𝟴𝟬𝟬 𝗯𝗶𝗹𝗹𝗶𝗼𝗻 𝗶𝗻 𝗮𝗻𝗻𝘂𝗮𝗹 𝗿𝗲𝘃𝗲𝗻𝘂𝗲. 𝗧𝗵𝗲𝘆 𝗮𝗿𝗲 𝘁𝗵𝗲 𝗳𝗮𝘀𝘁𝗲𝘀𝘁-𝗴𝗿𝗼𝘄𝗶𝗻𝗴 𝘀𝗲𝗴𝗺𝗲𝗻𝘁 𝗼𝗳 𝘀𝗺𝗮𝗹𝗹 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗼𝘄𝗻𝗲𝗿𝘀 𝗶𝗻 𝘁𝗵𝗲 𝗻𝗮𝘁𝗶𝗼𝗻.

𝘼𝙣𝙙 𝙢𝙤𝙨𝙩 𝙤𝙛 𝙩𝙝𝙚𝙢 𝙝𝙖𝙫𝙚 𝙣𝙚𝙫𝙚𝙧 𝙖𝙥𝙥𝙡𝙞𝙚𝙙 𝙛𝙤𝙧 𝙖 𝙨𝙞𝙣𝙜𝙡𝙚 𝙜𝙧𝙖𝙣𝙩.

Not because they don't qualify. Because no one ever told them — in their language, on their terms — that the money was there.

𝗧𝗵𝗮𝘁 𝗰𝗵𝗮𝗻𝗴𝗲𝘀 𝘁𝗼𝗱𝗮𝘆.

𝙂𝙧𝙖𝙣𝙩𝙎𝙩𝙧𝙚𝙖𝙢.𝙖𝙞™ 𝘄𝗮𝘀 𝗯𝘂𝗶𝗹𝘁 𝗯𝗶𝗹𝗶𝗻𝗴𝘂𝗮𝗹 𝗳𝗿𝗼𝗺 𝗱𝗮𝘆 𝗼𝗻𝗲 𝘁𝗼 𝗵𝗲𝗹𝗽 𝘀𝗲𝗿𝘃𝗲 𝘁𝗵𝗲 𝗟𝗮𝘁𝗶𝗻𝗼 𝗰𝗼𝗺𝗺𝘂𝗻𝗶𝘁𝘆. Our website. Our AI grant assistant, GrantStream Rich. Our intake process. Our course. English and Spanish. Because grant funding shouldn't require you to navigate a system that wasn't built for you, in a language that isn't yours.

𝗟𝗮𝘁𝗶𝗻𝗼-𝗼𝘄𝗻𝗲𝗱 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀𝗲𝘀 𝗾𝘂𝗮𝗹𝗶𝗳𝘆 𝗳𝗼𝗿 𝗴𝗿𝗮𝗻𝘁 𝗰𝗮𝘁𝗲𝗴𝗼𝗿𝗶𝗲𝘀 𝗺𝗼𝘀𝘁 𝗼𝘄𝗻𝗲𝗿𝘀 𝗻𝗲𝘃𝗲𝗿 𝗵𝗲𝗮𝗿 𝗮𝗯𝗼𝘂𝘁:

🟢 Minority Business Enterprise programs — $10K to $500K
🟢 SBA 8(a) Business Development — access to $40B+ in set-aside contracts
🟢 HUBZone programs for businesses in underserved areas
🟢 Community Impact grants for businesses serving their neighborhoods
🟢 State and local programs specifically targeting Hispanic-owned businesses
🟢 Foundation grants from organizations committed to Latino economic empowerment

Professional grant writing for $750 per application. Complete packets that that can include Spanish translations of all documents in 5 to 7 days. Reviewed by certified U.S. grant writers. Management starting at $150 a month (for 1 to 3 grants)

𝗦𝘁𝗮𝗿𝘁 𝘄𝗶𝘁𝗵 𝘆𝗼𝘂𝗿 𝗙𝗥𝗘𝗘 𝗚𝗿𝗮𝗻𝘁 𝗔𝗻𝗮𝗹𝘆𝘀𝗶𝘀 𝗥𝗲𝗽𝗼𝗿𝘁 — 𝗶𝗻 𝗘𝗻𝗴𝗹𝗶𝘀𝗵 𝗼𝗿 𝗦𝗽𝗮𝗻𝗶𝘀𝗵.

📞 𝟴𝟯𝟯-𝟯𝟳𝟵-𝟵𝟳𝟮𝟳 🔗 GrantStream.ai

Hoy celebramos a los que construyen. Mañana, les ayudamos a crecer.

𝙏𝙝𝙚 𝙎𝙩𝙧𝙚𝙖𝙢 𝙉𝙚𝙫𝙚𝙧 𝙎𝙩𝙤𝙥𝙨.™

— Richard Giraldez Founder & CEO, 𝙂𝙧𝙖𝙣𝙩𝙎𝙩𝙧𝙚𝙖𝙢.𝙖𝙞™ U.S. Army Veteran · Puerto Rican · Killeen, TX

𝙏𝙤𝙙𝙖𝙮, 𝙩𝙝𝙚 𝙙𝙤𝙤𝙧 𝙤𝙥𝙚𝙣𝙨.
$𝟴𝟬𝟬 𝗯𝗶𝗹𝗹𝗶𝗼𝗻 𝗳𝗹𝗼𝘄𝘀 𝘁𝗵𝗿𝗼𝘂𝗴𝗵 𝘁𝗵𝗲 𝗨.𝗦. 𝗴𝗿𝗮𝗻𝘁 𝘀𝘆𝘀𝘁𝗲𝗺 𝗲𝘃𝗲𝗿𝘆 𝘆𝗲𝗮𝗿. 90% of small business owners never apply for a dollar of it — not because they don't qualify, but because the system was never built for them.

𝗧𝗼𝗻𝗶𝗴𝗵𝘁, 𝘁𝗵𝗮𝘁 𝗰𝗵𝗮𝗻𝗴𝗲𝘀.

𝙂𝙧𝙖𝙣𝙩𝙎𝙩𝙧𝙚𝙖𝙢.𝙖𝙞™ 𝗴𝗼𝗲𝘀 𝗹𝗶𝘃𝗲 𝘁𝗼𝗻𝗶𝗴𝗵𝘁 𝗮𝘁 𝟳:𝟬𝟬 𝗣𝗠 𝗖𝗲𝗻𝘁𝗿𝗮𝗹.

AI-powered grant discovery matched to your exact eligibility. Complete grant applications written by certified grant professionals using our system. Delivered in 5 to 7 days. At a fraction of what traditional grant writers charge.

𝗩𝗲𝘁𝗲𝗿𝗮𝗻-𝗼𝘄𝗻𝗲𝗱. 𝗪𝗼𝗺𝗮𝗻-𝗼𝘄𝗻𝗲𝗱. 𝗠𝗶𝗻𝗼𝗿𝗶𝘁𝘆-𝗼𝘄𝗻𝗲𝗱. 𝗛𝗨𝗕𝗭𝗼𝗻𝗲. 𝗥𝘂𝗿𝗮𝗹. 𝗪𝗼𝗿𝗸𝗳𝗼𝗿𝗰𝗲. 𝗛𝗲𝗮𝗹𝘁𝗵𝗰𝗮𝗿𝗲. 𝗠𝗮𝗻𝘂𝗳𝗮𝗰𝘁𝘂𝗿𝗶𝗻𝗴. 𝗧𝘄𝗲𝗹𝘃𝗲 𝗺𝗼𝗿𝗲 𝗰𝗮𝘁𝗲𝗴𝗼𝗿𝗶𝗲𝘀 𝗺𝗼𝘀𝘁 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗼𝘄𝗻𝗲𝗿𝘀 𝗱𝗼𝗻'𝘁 𝗸𝗻𝗼𝘄 𝘁𝗵𝗲𝘆 𝗾𝘂𝗮𝗹𝗶𝗳𝘆 𝗳𝗼𝗿.

If you've ever stood at the edge of grant funding and thought "that's not for someone like me" — 𝘁𝗼𝗻𝗶𝗴𝗵𝘁, 𝗜'𝗺 𝗴𝗼𝗶𝗻𝗴 𝘁𝗼 𝗽𝗿𝗼𝘃𝗲 𝘆𝗼𝘂 𝘄𝗿𝗼𝗻𝗴.

𝗙𝗿𝗲𝗲 𝗹𝗶𝘃𝗲 𝗹𝗮𝘂𝗻𝗰𝗵 𝘄𝗲𝗯𝗶𝗻𝗮𝗿. 𝗧𝗵𝗲 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆, 𝘁𝗵𝗲 𝗽𝗹𝗮𝘁𝗳𝗼𝗿𝗺, 𝘁𝗵𝗲 𝗴𝗿𝗮𝗻𝘁𝘀 𝘆𝗼𝘂 𝗱𝗶𝗱𝗻'𝘁 𝗸𝗻𝗼𝘄 𝗲𝘅𝗶𝘀𝘁𝗲𝗱.

📅 𝗧𝗼𝗻𝗶𝗴𝗵𝘁 — 𝟳:𝟬𝟬 𝗣𝗠 𝗖𝗲𝗻𝘁𝗿𝗮𝗹
Register To Atttend:🔗 https://us06web.zoom.us/meeting/register/N2UoGpllQ-6yFLpW4H9IlQ

𝙏𝙝𝙚 𝙎𝙩𝙧𝙚𝙖𝙢 𝙉𝙚𝙫𝙚𝙧 𝙎𝙩𝙤𝙥𝙨.™

— Richard Giraldez Founder & CEO, GrantStream.ai™ U.S. Army Veteran · 30+ years in business · Killeen, TX

𝙏𝙤𝙢𝙤𝙧𝙧𝙤𝙬, 𝙬𝙚 𝙚𝙣𝙙 𝙨𝙤𝙢𝙚𝙩𝙝𝙞𝙣𝙜.
A pattern that has cost American small business owners hundreds of billions of dollars in funding they were entitled to but never received.

$𝟴𝟬𝟬 𝗯𝗶𝗹𝗹𝗶𝗼𝗻 𝗮 𝘆𝗲𝗮𝗿 𝗳𝗹𝗼𝘄𝘀 𝘁𝗵𝗿𝗼𝘂𝗴𝗵 𝘀𝗶𝘅 𝗿𝗶𝘃𝗲𝗿𝘀 𝗼𝗳 𝗴𝗿𝗮𝗻𝘁 𝗳𝘂𝗻𝗱𝗶𝗻𝗴 𝗮𝗻𝗻𝘂𝗮𝗹𝗹𝘆 — 𝗳𝗲𝗱𝗲𝗿𝗮𝗹, 𝘀𝘁𝗮𝘁𝗲, 𝗳𝗼𝘂𝗻𝗱𝗮𝘁𝗶𝗼𝗻, 𝗰𝗼𝗿𝗽𝗼𝗿𝗮𝘁𝗲, 𝗽𝗿𝗶𝘃𝗮𝘁𝗲, 𝗮𝗻𝗱 𝗹𝗼𝗰𝗮𝗹.

𝟵𝟬% 𝗼𝗳 𝘁𝗵𝗲 𝗽𝗲𝗼𝗽𝗹𝗲 𝘁𝗵𝗮𝘁 𝗺𝗼𝗻𝗲𝘆 𝘄𝗮𝘀 𝗱𝗲𝘀𝗶𝗴𝗻𝗲𝗱 𝗳𝗼𝗿 𝗻𝗲𝘃𝗲𝗿 𝗮𝗽𝗽𝗹𝘆 𝗳𝗼𝗿 𝗮 𝗱𝗼𝗹𝗹𝗮𝗿 𝗼𝗳 𝗶𝘁.

𝙏𝙤𝙢𝙤𝙧𝙧𝙤𝙬 𝙣𝙞𝙜𝙝𝙩, 𝙩𝙝𝙖𝙩 𝙚𝙣𝙙𝙨.

𝙂𝙧𝙖𝙣𝙩𝙎𝙩𝙧𝙚𝙖𝙢.𝙖𝙞™ l𝗮𝘂𝗻𝗰𝗵𝗲𝘀 𝗪𝗲𝗱𝗻𝗲𝘀𝗱𝗮𝘆, 𝗔𝗽𝗿𝗶𝗹 𝟮𝟵 𝗮𝘁 𝟳:𝟬𝟬 𝗣𝗠 𝗖𝗲𝗻𝘁𝗿𝗮𝗹.

AI-powered grant discovery matched to your exact eligibility. Complete applications written by certified grant professionals using our system, in 5 to 7 days, at a fraction of what traditional grant writers charge.

𝗘𝘃𝗲𝗿𝘆 𝗰𝗮𝘁𝗲𝗴𝗼𝗿𝘆 𝘆𝗼𝘂𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝘂𝗻𝗹𝗼𝗰𝗸𝘀. Every door of grant funding the system never told you was open.

𝗙𝗼𝘂𝗻𝗱𝗶𝗻𝗴 𝗠𝗲𝗺𝗯𝗲𝗿 𝗮𝗰𝗰𝗲𝘀𝘀 𝗰𝗹𝗼𝘀𝗲𝘀 𝗮𝘁 𝟳:𝟬𝟬 𝗣𝗠 𝘁𝗼𝗺𝗼𝗿𝗿𝗼𝘄. $𝟮𝟵𝟳 𝗼𝗻𝗲 𝘁𝗶𝗺𝗲. 𝗣𝗼𝘀𝘁-𝗹𝗮𝘂𝗻𝗰𝗵: $𝟳𝟱𝟬.

𝘐𝘧 𝘺𝘰𝘶'𝘷𝘦 𝘦𝘷𝘦𝘳 𝘴𝘵𝘰𝘰𝘥 𝘢𝘵 𝘵𝘩𝘦 𝘦𝘥𝘨𝘦 𝘰𝘧 𝘨𝘳𝘢𝘯𝘵 𝘧𝘶𝘯𝘥𝘪𝘯𝘨 𝘢𝘯𝘥 𝘵𝘩𝘰𝘶𝘨𝘩𝘵 "𝘵𝘩𝘢𝘵'𝘴 𝘯𝘰𝘵 𝘧𝘰𝘳 𝘴𝘰𝘮𝘦𝘰𝘯𝘦 𝘭𝘪𝘬𝘦 𝘮𝘦" — 𝘵𝘰𝘮𝘰𝘳𝘳𝘰𝘸 𝘯𝘪𝘨𝘩𝘵, 𝘐'𝘮 𝘨𝘰𝘪𝘯𝘨 𝘵𝘰 𝘱𝘳𝘰𝘷𝘦 𝘺𝘰𝘶 𝘸𝘳𝘰𝘯𝘨.

📅 𝗪𝗲𝗱𝗻𝗲𝘀𝗱𝗮𝘆, 𝗔𝗽𝗿𝗶𝗹 𝟮𝟵 — 𝟳:𝟬𝟬 𝗣𝗠 𝗖𝗲𝗻𝘁𝗿𝗮𝗹

Register for Webinar at: 🔗 https://us06web.zoom.us/meeting/register/N2UoGpllQ-6yFLpW4H9IlQ

𝙏𝙝𝙚 𝙎𝙩𝙧𝙚𝙖𝙢 𝙉𝙚𝙫𝙚𝙧 𝙎𝙩𝙤𝙥𝙨™.

𝙃𝙚𝙖𝙡𝙩𝙝𝙘𝙖𝙧𝙚 𝙧𝙚𝙣𝙚𝙬𝙖𝙡𝙨 𝙞𝙣 𝟮𝟬𝟮𝟲 𝙖𝙧𝙚 𝙨𝙝𝙖𝙥𝙞𝙣𝙜 𝙪𝙥 𝙩𝙤 𝙗𝙚 𝙤𝙣𝙚 𝙤𝙛 𝙩𝙝𝙚 𝙗𝙞𝙜𝙜𝙚𝙨𝙩 “𝙨𝙞𝙡𝙚𝙣𝙩 𝙢𝙖𝙧𝙜𝙞𝙣 𝙡𝙚𝙖𝙠𝙨” 𝙄’𝙢 𝙨𝙚𝙚𝙞𝙣𝙜 𝙞𝙣 𝙢𝙞𝙙-𝙢𝙖𝙧𝙠𝙚𝙩 𝙘𝙤𝙢𝙥𝙖𝙣𝙞𝙚𝙨.

Mercer projects +6.7% employer health benefit cost growth in 2026 (after +6.0% in 2025) and KFF reports average family premiums hit $26,993.

But the real issue usually isn’t that companies spend “𝘁𝗼𝗼 𝗺𝘂𝗰𝗵.”

It’s that they spend inefficiently—because benefits are managed like an annual purchase instead of a business system.

𝗛𝗲𝗿𝗲 𝗮𝗿𝗲 𝟱 𝗽𝗹𝗮𝗰𝗲𝘀 𝗼𝘃𝗲𝗿𝗽𝗮𝘆𝗺𝗲𝗻𝘁 𝘁𝘆𝗽𝗶𝗰𝗮𝗹𝗹𝘆 𝗵𝗶𝗱𝗲𝘀:

• Auto-renewal without a structured review (negotiating the increase ≠ fixing the design)

• Premium-only thinking (total cost of care + productivity + retention is the real metric)

• No benefits audit (you can’t manage what you don’t measure)

• Missed tax/funding efficiencies (benefits decisions made in an HR silo)

• Cost-shifting to employees before removing waste (often creates downstream costs and turnover risk)

𝗜 𝘄𝗿𝗼𝘁𝗲 𝗮 𝗳𝘂𝗹𝗹 𝗟𝗶𝗻𝗸𝗲𝗱𝗜𝗻 𝗮𝗿𝘁𝗶𝗰𝗹𝗲 𝗯𝗿𝗲𝗮𝗸𝗶𝗻𝗴 𝗱𝗼𝘄𝗻 𝘁𝗵𝗲 𝗲𝘅𝗲𝗰𝘂𝘁𝗶𝘃𝗲 𝗽𝗹𝗮𝘆𝗯𝗼𝗼𝗸 𝗜 𝘂𝘀𝗲 𝘄𝗶𝘁𝗵 𝗖𝗘𝗢𝘀/𝗖𝗙𝗢𝘀 𝘁𝗼 𝗿𝗲𝗱𝘂𝗰𝗲 𝘄𝗮𝘀𝘁𝗲, 𝗿𝗲𝗱𝗲𝘀𝗶𝗴𝗻 𝗯𝗲𝗻𝗲𝗳𝗶𝘁𝘀 𝗳𝗼𝗿 𝗽𝗲𝗿𝗳𝗼𝗿𝗺𝗮𝗻𝗰𝗲, 𝗮𝗻𝗱 𝗺𝗲𝗮𝘀𝘂𝗿𝗲 𝗼𝘂𝘁𝗰𝗼𝗺𝗲𝘀—𝘄𝗶𝘁𝗵𝗼𝘂𝘁 𝗴𝘂𝘁𝘁𝗶𝗻𝗴 𝗰𝗼𝘃𝗲𝗿𝗮𝗴𝗲.

If you’re heading into renewal season, this is worth a read.

Read the full article here: https://lnkd.in/gVX-zDHB

𝗤𝘂𝗲𝘀𝘁𝗶𝗼𝗻 𝗳𝗼𝗿 𝗹𝗲𝗮𝗱𝗲𝗿𝘀: 𝘞𝘩𝘪𝘤𝘩 𝘪𝘴 𝘵𝘩𝘦 𝘣𝘪𝘨𝘨𝘦𝘳 𝘪𝘴𝘴𝘶𝘦 𝘪𝘯 𝘺𝘰𝘶𝘳 𝘰𝘳𝘨𝘢𝘯𝘪𝘻𝘢𝘵𝘪𝘰𝘯 𝘳𝘪𝘨𝘩𝘵 𝘯𝘰𝘸—𝘱𝘭𝘢𝘯 𝘥𝘦𝘴𝘪𝘨𝘯, 𝘷𝘦𝘯𝘥𝘰𝘳/𝘢𝘥𝘮𝘪𝘯 𝘤𝘰𝘴𝘵𝘴, 𝘰𝘳 𝘦𝘮𝘱𝘭𝘰𝘺𝘦𝘦 𝘯𝘢𝘷𝘪𝘨𝘢𝘵𝘪𝘰𝘯/𝘤𝘰𝘯𝘧𝘶𝘴𝘪𝘰𝘯?

"𝙏𝙝𝙚 𝙧𝙚𝙖𝙡 𝙗𝙪𝙧𝙙𝙚𝙣 𝙤𝙣 𝘼𝙢𝙚𝙧𝙞𝙘𝙖𝙣 𝙗𝙪𝙨𝙞𝙣𝙚𝙨𝙨 𝙞𝙨𝙣'𝙩 𝙩𝙖𝙭𝙚𝙨, 𝙗𝙪𝙩 𝙝𝙚𝙖𝙡𝙩𝙝𝙘𝙖𝙧𝙚 𝙘𝙤𝙨𝙩𝙨."
𝘞𝘢𝘳𝘳𝘦𝘯 𝘉𝘶𝘧𝘧𝘦𝘵𝘵 said that years ago. He was right then. He is more right today.

𝗛𝗲𝗮𝗹𝘁𝗵𝗰𝗮𝗿𝗲 𝘀𝗽𝗲𝗻𝗱𝗶𝗻𝗴 𝗵𝗮𝘀 𝗲𝘅𝗽𝗹𝗼𝗱𝗲𝗱 𝗳𝗿𝗼𝗺 𝟱% 𝗼𝗳 𝗨.𝗦. 𝗚𝗗𝗣 𝗶𝗻 𝘁𝗵𝗲 𝟭𝟵𝟲𝟬𝘀 𝘁𝗼 𝗻𝗲𝗮𝗿𝗹𝘆 𝟭𝟳% 𝘁𝗼𝗱𝗮𝘆.

Family premiums hit $26,993 in 2025. Employer costs rose 6% in 2025. Projected to rise 6.7% in 2026. The highest increase in 15 years.

𝗙𝗼𝗿 𝗺𝗼𝘀𝘁 𝘀𝗺𝗮𝗹𝗹 𝗮𝗻𝗱 𝗺𝗶𝗱-𝘀𝗶𝘇𝗲𝗱 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀𝗲𝘀 𝗵𝗲𝗮𝗹𝘁𝗵𝗰𝗮𝗿𝗲 𝗶𝘀 𝗻𝗼𝘄 𝘁𝗵𝗲 𝘀𝗲𝗰𝗼𝗻𝗱 𝗹𝗮𝗿𝗴𝗲𝘀𝘁 𝗲𝘅𝗽𝗲𝗻𝘀𝗲 𝗮𝗳𝘁𝗲𝗿 𝗽𝗮𝘆𝗿𝗼𝗹𝗹.

Buffett knew this was a crisis. What most employers do not know is that it is also solvable.

𝗥𝗲𝗮𝗱 𝘁𝗵𝗲 𝗳𝘂𝗹𝗹 𝗮𝗿𝘁𝗶𝗰𝗹𝗲:
https://richardgiraldez.com/blog/warren-buffett-was-right-about-healthcare-costs