I help Missouri employers protect paychecks, get their teams real access to care, and finally understand what they're paying for. Independent advice, all year — not a quote stack at renewal.
Built for Central Missouri employers
"Understand your situation, tell you the truth about what you already have, and build something that protects your people without wasting your money."
I'm an independent benefits advisor based in Jefferson City, and I grew up in this work. I sit down with owners, HR teams, and individual employees across Central Missouri — and I represent Worksite Innovations Insurance Group.
That means I'm not here to move a product. I'm here to look at what you already have, tell you plainly where it's working and where it isn't, and build from there. And I stay involved all year, not just when renewal shows up.
I'm also a husband and a father of four, so I think about this the way you do: what actually happens to a family when something goes wrong, and whether the coverage holds when it matters.
Benefits get sold on confusion. I'd rather you understand exactly what you have, what it costs, and why.
How your plan is really priced, how this year's claims shape next year's number, and which funding approach actually fits you. No more renewals that show up with no explanation behind them.
I'm not required to place you with any one carrier. I represent Worksite Innovations Insurance Group and build the plan around your business — not around whatever I'm being pushed to sell this quarter.
Claim questions, new hires, compliance, employee confusion — those don't wait for renewal season. Neither do I. When something comes up, you have someone who already knows your plan.
On our first call I'll tell you honestly whether I can improve on what you already have. If your current plan and broker are serving you well, I'll say so and you'll have lost thirty minutes. That's the whole risk.
Most benefits packages are assembled one product at a time by whoever sold them. I build the pieces to work together.
Most companies treat major medical as a fixed cost they renew and hope for the best on. I treat it as something you can see into and influence — how your plan is really priced, how this year's claims shape next year's number, and whether fully insured, level funded, or self funded fits you best. A medical plan you understand, instead of a bill with no explanation behind it.
A plan only matters if your team can use it. Direct primary care gives employees a real relationship with a physician, same or next-day visits, and most everyday care for one flat monthly cost. HSA-compatible, so it works alongside a high-deductible plan without giving up the tax advantage. It's the difference between coverage that looks good on paper and care your team actually uses.
Health coverage handles the medical bill. Income protection handles everything else — the paycheck, the mortgage, the part of life that doesn't pause when someone gets hurt or sick. These are cash-paying plans that go straight to your employee when they need them, and they pair with any health plan you have.
These are the benefits employees notice first and miss most when they're gone. I build dental and vision into the plan as real coverage — not an afterthought bolted on at renewal — so your team has a reason to actually go to the dentist and the eye doctor. And a life benefit gives their family real protection if something happens. Straightforward coverage, priced to fit alongside whatever medical strategy we build together.
Good benefits fall apart when they're a mess to run. I bring the technology and process that make a plan easy to manage: enrollment that connects to your payroll, a modern administration system, help staying compliant, and clear education so your team understands what they have. And because I'm part of a local, family-owned agency, you're not routed to a call center when something comes up — you get real back-office support from people who already know your plan, your census, and your renewal history. Less time answering benefits questions, fewer enrollment headaches, coverage that gets used.
Alongside my work with companies, I handle voluntary benefits for State of Missouri employees — payroll-deducted coverages you can add on your own to protect your income and your family, at group rates, with someone local to walk you through them.
No long discovery process. No vague timelines. Here's exactly what working together looks like.
Thirty minutes to understand your situation, what you have today, and what you're trying to solve. No pressure, no presentation — a direct conversation to see whether there's a fit.
I go through your current plan documents, contribution structure, and renewal history. If there are problems, I'll tell you clearly what they are and how significant they are.
I come back with specific recommendations — not a stack of carrier quotes. You'll understand the reasoning behind every option I put in front of you.
If you move forward, I handle the transition — carrier paperwork, enrollment setup, and employee communication. Not things I leave on your desk.
I stay engaged all year. When renewal arrives, you have someone who already knows your plan and your priorities — not someone starting from scratch.
Your initial call and plan review are free. As your advisor I'm compensated the way benefits advisors typically are — built into the plans rather than billed to you on top. I'll always be transparent about how any recommendation is structured before you decide anything.
No. Sometimes the right move is a few adjustments to what you already have. I'll tell you the truth about your current plan first — and if it's working well, I'll say so.
Most brokers appear at renewal with a stack of quotes. I build a coordinated strategy, explain the reasoning behind every option, and stay engaged all year — so you're never starting from scratch when something actually matters.
The first call is thirty minutes. From there I do the heavy lifting — reviewing documents, building the strategy, handling implementation. Your team stays focused on running the business.
Not at all. I specialize in Missouri employers from 3 to 250 employees. Smaller teams often have the most to gain from a plan that was actually built for them instead of handed down.
A flat monthly membership that gives your employees a real relationship with a physician — same or next-day visits and most everyday care included, without a copay at the door. It pairs with a high-deductible plan and stays HSA-compatible, which usually lowers total cost while making care easier to actually get.
We'll talk through your team, your current plan, and what you're trying to solve. If I can help, I'll show you how. If I can't, I'll tell you that too.
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