Strategic Health
Benefit Architecture.

Every service Christine offers is designed around one principle: your health benefit strategy should work as hard as you do. Not just protect you — advance you.

01

1099 Professionals

Being your own boss shouldn't mean being unprotected. As a 1099 professional, you face unique challenges: variable income, no employer subsidy, and a marketplace that wasn't designed with your independence in mind.

Christine engineers health benefit strategies specifically for independent contractors, freelancers, and self-employed professionals. She navigates the complexity of the individual marketplace, private PPO options, and tax-advantaged structures to build coverage that fits your life — not a corporate template.

What's Included

  • Individual and family health plan strategy
  • Private PPO network access and evaluation
  • Health Savings Account (HSA) integration
  • Tax deduction optimization for self-employed premiums
  • Coverage continuity planning during income transitions
  • Annual strategy review and plan optimization

All strategies are customized to your specific situation. Christine begins every engagement with a comprehensive assessment before making any recommendations.

02

Entrepreneurs & Founders

You've built something. Now protect it — and yourself — with the same strategic intelligence you apply to every other aspect of your business.

Entrepreneurs carry unique risk. Your health is your most critical business asset, and your coverage strategy should reflect that. Christine designs benefit architectures that align with your business structure, support your tax position, and scale as your company grows.

What's Included

  • Business owner health benefit architecture
  • Executive and key-person benefit strategies
  • Health insurance as a business deduction strategy
  • Solo 401(k) and HSA coordination
  • Coverage that scales with business growth
  • Spouse and family coverage integration

All strategies are customized to your specific situation. Christine begins every engagement with a comprehensive assessment before making any recommendations.

03

Small to Mid-Size Businesses

Offering competitive health benefits is one of the most powerful tools for attracting and retaining top talent. But traditional group insurance is often overpriced, overcomplicated, and misaligned with your actual business needs.

Christine works with businesses of 2 to 100 employees to design group benefit strategies that are cost-effective, competitive, and strategically structured. She cuts through the complexity to deliver clarity — and results.

What's Included

  • Group health plan design and carrier evaluation
  • Cost-sharing strategy and employer contribution modeling
  • Employee benefit communication and education
  • Compliance guidance (ACA, ERISA basics)
  • Annual renewal strategy and cost management
  • Supplemental and ancillary benefit integration

All strategies are customized to your specific situation. Christine begins every engagement with a comprehensive assessment before making any recommendations.

04

Advanced Benefit Strategies

For business owners who are ready to move beyond conventional coverage and leverage health benefits as a sophisticated financial instrument.

Christine specializes in advanced benefit structures that most advisors don't even know exist. These strategies can dramatically reduce your tax liability, increase your benefit value, and create a more sustainable, revenue-positive health benefit model.

What's Included

  • Self-Insured Medical Reimbursement Plans (SIMRP)
  • Health Reimbursement Arrangements (HRA / ICHRA / QSEHRA)
  • Tax-advantaged benefit structuring for business owners
  • Level-funded and self-funded plan evaluation
  • Captive insurance strategy assessment
  • Integrated wealth and health planning coordination

All strategies are customized to your specific situation. Christine begins every engagement with a comprehensive assessment before making any recommendations.

How We Work Together

01

Strategy Session

A complimentary 30-minute call to understand your situation, goals, and current coverage.

02

Assessment & Analysis

Christine conducts a comprehensive review of your business structure, tax position, and risk profile.

03

Strategy Design

A customized benefit architecture is engineered specifically for your needs — not a generic recommendation.

04

Implementation & Support

Seamless enrollment, ongoing support, and annual strategy reviews to keep your plan optimized.