JF Wealth Strategies
Jason Foster, LACP
Call: (951) 405-2020
For California Small Business Owners

Add Employee Benefits — At Zero Cost to Your Business.

Offer your team accident, disability, hospital, and critical illness coverage without paying a dollar in premiums. Stronger retention, easier hiring, no impact to your overhead.

  • No premium cost to the business
  • Employees pay through payroll deduction (only if they choose to enroll)
  • Full-service rollout — setup, enrollment, education, claims support
  • Done in 30–60 days, minimal lift on your end
Book My Free Strategy Call How It Works
Free Strategy Call

Book Your 15-Minute Call

No pitch. Just a straight conversation about whether voluntary benefits fit your business.

1
Pick a time that works for you
2
15-minute call, zero obligation
3
Get a custom plan — or honest "no"
Schedule My Call Now →
Prefer to talk?
(951) 405-2020
Or email jason@jfwealthstrategies.com
$0
Employer Cost
15
Minute Call
30–60
Days to Rollout
6+
Coverage Options
Why Business Owners Choose This

The benefits move most owners miss.

Voluntary benefits let you offer a richer benefits package — without changing your budget. Here's why it works for small businesses.

01
Zero Direct Cost

You're not paying premiums. Employees who enroll pay through payroll deduction. The business absorbs no premium expense — but earns the employer credit for offering the benefits.

02
Retention & Hiring Lift

When a competitor tries to recruit your best employees, your benefits package matters as much as the offer. A richer package keeps them — and helps you win the next hire.

03
Potential Tax Savings

When set up under a properly structured Section 125 plan, employee contributions can come out pre-tax — meaning employees take home more and the business may reduce payroll tax exposure.

04
Genuine Employee Value

When an employee has a baby, breaks an arm, or gets a serious diagnosis, these policies pay real cash benefits — often the difference between financial stress and stability.

05
Full-Service Rollout

We handle setup, employee education, enrollment meetings, and ongoing claims support. Your only lift: a 30-minute discovery call and approval on plan design.

06
Portable for Employees

Most voluntary policies are portable — if an employee leaves, they can take their coverage with them. It's one of the features employees value most.

How It Works

From first call to full rollout.

A clean, three-step process designed to be hands-off for the business owner.

1
Discovery Call

A free 15-minute conversation about your business, your current benefits, and what you're trying to accomplish. No pitch — just discovery. If voluntary benefits aren't a fit, you'll know in 15 minutes.

2
Custom Plan Design

If it's a fit, we put together a plan design tailored to your team — products, rates, and a clear rollout plan. You approve the lineup before anything goes to your employees.

3
Rollout & Support

We handle the entire rollout — employee education, enrollment meetings, payroll setup, and ongoing claims support. You stay focused on running your business.

What Your Team Gets Access To

A complete suite of voluntary coverage.

Designed to complement your existing health plan — or stand on its own as a baseline benefits offering.

A
Accident Insurance
D
Short-Term Disability
H
Hospital Indemnity
C
Critical Illness
L
Life Insurance
V
Dental & Vision
"

The benefits gap between small businesses and large employers has never been wider — and it's quietly costing you talent. Voluntary benefits close that gap without changing your budget.

— Jason Foster, LACP
Common Questions

Questions owners always ask.

What does this cost my business? +

The employer cost for a standard voluntary benefits program is $0. You're not funding premiums — your employees pay through payroll deduction if they choose to enroll. There may be minor administrative costs depending on your payroll provider, but these are typically nominal.

Will my employees be required to enroll? +

No. Enrollment is 100% voluntary. Employees choose what — if anything — they want. There's no minimum participation requirement to keep the program in place at most carriers.

What if I already offer health insurance? +

Voluntary benefits are designed to work alongside your existing health plan, not replace it. They're especially valuable for businesses with high-deductible health plans, since they help bridge the gap between what the health plan covers and what the employee actually pays out of pocket.

What if I don't offer any benefits today? +

Voluntary benefits can serve as a strong starting point. Many small businesses use them to establish a baseline benefits offering before they're ready to take on the cost of a traditional health plan.

How long does setup take? +

From the initial discovery call to having employees enrolled and coverage active, most rollouts take 30–60 days, depending on your timeline and how quickly you want to move.

How much work is required from me? +

Very little. About 30 minutes for the discovery call, a short approval window for plan design, coordinating one enrollment window with employees, and a brief setup with your payroll provider. Everything else is handled.

Ready to see what this looks like for your team?

Free 15-minute strategy call. No pitch — just a straight conversation about whether this fits your business.

Book My Free Strategy Call