A Whole New Way of Thinking about - Your Benefits Options

Innovative Solutions

Health Options PlusTM is a whole new way of thinking about self-funded health plans. Based upon proven actuarial and clinical evidence, plan designs provide comprehensive and integrated ACA compliant benefits that dramatically reduces health care costs by 10-30%.


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The Kai-Zen PlanTM takes advantage of the power of leverage (other people's money) to allow business owners to significantly increase their retirement savings while at the same time providing a significant death benefit in the event their career is prematurely cut short.


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The ARC TrustTM is an employee benefit trust designed to assist public and private sector employers meet their pension and OPEB funding obligations under FASB and GASB rules.


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The 401Rx Plan® is a turn-key defined contribution retiree health plan designed specifically for small to mid-size businesses and governments. Business owners can contribute and deduct up to $530,000 in a single year. Governments can significantly reduce and eliminate their OPEB liability.


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The ABIL PlanTM is a wealth accumulation and estate transfer plan designed for business owners and other high income & high net worth individuals.



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“Innovation arises from ongoing circles of exchange, where information is not just accumulated or stored, but created. Knowledge is generated anew from connections that weren’t there before.”

Margaret J. Wheatley
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