Your Consultants

Your Consultants' Group Benefits team works as an extension of your human resources division. We serve as a liaison between the carriers/vendors and our corporate clients, and focus on providing employers with group benefit programs that are in the best interest of their employees. As part of our ongoing consulting services, we communicate with our clients on a daily basis when needed. We work with group carriers on service and claims issues. We also provide assistance with employee communications, including enrollments and introduction of coverage enhancements. We also have periodic meetings to: •Analyze plan data, including claims experience or changes in employee population, that may affect coverage's •Review legislative and regulatory changes •Review cost management approaches to reduce healthcare costs •Provide renewal projections including a review of plan premiums, retention, claims, stop loss levels and reserve adequacies for self-insured plans •Review employee contribution levels •Negotiate renewal offers Your Consultants LLC has a depth of experience in many areas that can help minimize risk, income taxes, estate taxes, business succession planning and life insurance planning. Our advisors have worked with affluent families and business owners for decades in helping them structure plans that help create wealth during their lifetime while at the same time minimizing the impact of taxes during life and at death. We have extensive experience in the financial services industry worldwide. We have developed strategies that are in some cases proprietary in nature that can take the complexity out of this very important process and give you peace of mind when it comes to your financial assets.