FICA Solutions, 315 E Avenue G Suite 169, Killeen, TX (2026)

10/22/2026

𝘽𝙪𝙨𝙞𝙣𝙚𝙨𝙨 𝙤𝙬𝙣𝙚𝙧𝙨, 𝙦𝙪𝙞𝙘𝙠 𝙦𝙪𝙚𝙨𝙩𝙞𝙤𝙣. 𝙒𝙝𝙚𝙣 𝙮𝙤𝙪𝙧 𝙝𝙚𝙖𝙡𝙩𝙝 𝙞𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚 𝙧𝙚𝙣𝙚𝙬𝙖𝙡 𝙘𝙖𝙢𝙚 𝙞𝙣 𝙩𝙝𝙞𝙨 𝙮𝙚𝙖𝙧, 𝙙𝙞𝙙 𝙩𝙝𝙚 𝙣𝙪𝙢𝙗𝙚𝙧 𝙜𝙤 𝙙𝙤𝙬𝙣? 😅

I didn’t think so.

𝗣𝗿𝗲𝗺𝗶𝘂𝗺𝘀 𝗵𝗮𝘃𝗲 𝗴𝗼𝗻𝗲 𝘂𝗽 𝗮𝗹𝗺𝗼𝘀𝘁 𝟴𝟬% 𝗶𝗻 𝘁𝗵𝗲 𝗹𝗮𝘀𝘁 𝘁𝗲𝗻 𝘆𝗲𝗮𝗿𝘀 𝘄𝗵𝗶𝗹𝗲 𝗽𝗮𝘆𝗰𝗵𝗲𝗰𝗸𝘀 𝗵𝗮𝘃𝗲 𝗴𝗼𝗻𝗲 𝘂𝗽 𝗮𝗯𝗼𝘂𝘁 𝗮 𝘁𝗵𝗶𝗿𝗱. 𝗬𝗼𝘂𝗿 𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗲𝘀 𝗳𝗲𝗲𝗹 𝗶𝘁 𝗶𝗻 𝘁𝗵𝗲𝗶𝗿 𝗱𝗲𝗱𝘂𝗰𝘁𝗶𝗯𝗹𝗲𝘀. 𝗬𝗼𝘂 𝗳𝗲𝗲𝗹 𝗶𝘁 𝗼𝗻 𝗲𝘃𝗲𝗿𝘆 𝗿𝗲𝗻𝗲𝘄𝗮𝗹.

Here is what most owners never get told. A lot of that cost comes from how the plan is put together, and plan design can be fixed.

𝘽𝙚𝙩𝙩𝙚𝙧 𝘽𝙚𝙣𝙚𝙛𝙞𝙩𝙨 𝙐𝙎𝘼 is a nonprofit I work with that reviews employer health plans line by line. 𝗢𝗻 𝗮𝘃𝗲𝗿𝗮𝗴𝗲 𝘁𝗵𝗲𝘆 𝘀𝗮𝘃𝗲 𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗿𝘀 $𝟮,𝟬𝟬𝟬 𝘁𝗼 $𝟯,𝟬𝟬𝟬 𝗽𝗲𝗿 𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗲 𝗲𝘃𝗲𝗿𝘆 𝘆𝗲𝗮𝗿, 𝗮𝗻𝗱 𝘁𝗵𝗲 𝗰𝗼𝘃𝗲𝗿𝗮𝗴𝗲 𝘀𝘁𝗮𝘆𝘀 𝗶𝗻 𝗽𝗹𝗮𝗰𝗲.

Do the math on your own team. 👀

𝗜𝗳 𝘆𝗼𝘂 𝗵𝗮𝘃𝗲 𝟭𝟬 𝗼𝗿 𝗺𝗼𝗿𝗲 𝗳𝘂𝗹𝗹 𝘁𝗶𝗺𝗲 𝗪-𝟮 𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗲𝘀, 𝗯𝗼𝗼𝗸 𝗮 𝗳𝗿𝗲𝗲 𝗛𝗲𝗮𝗹𝘁𝗵 𝗕𝗲𝗻𝗲𝗳𝗶𝘁 𝗦𝗮𝘃𝗶𝗻𝗴𝘀 𝗔𝗻𝗮𝗹𝘆𝘀𝗶𝘀 𝘄𝗶𝘁𝗵 𝗺𝗲 𝗵𝗲𝗿𝗲 👉 http://BenefitSavings.Pro

10/14/2026

𝙒𝙝𝙖𝙩 𝙞𝙛 𝙮𝙤𝙪𝙧 𝙩𝙚𝙖𝙢 𝙘𝙤𝙪𝙡𝙙 𝙩𝙖𝙠𝙚 𝙝𝙤𝙢𝙚 𝙩𝙬𝙤 𝙩𝙤 𝙩𝙝𝙧𝙚𝙚 𝙩𝙝𝙤𝙪𝙨𝙖𝙣𝙙 𝙙𝙤𝙡𝙡𝙖𝙧𝙨 𝙢𝙤𝙧𝙚 𝙖 𝙮𝙚𝙖𝙧, 𝙖𝙣𝙙 𝙞𝙩 𝙘𝙤𝙨𝙩 𝙮𝙤𝙪𝙧 𝙘𝙤𝙢𝙥𝙖𝙣𝙮 𝙡𝙚𝙨𝙨, 𝙣𝙤𝙩 𝙢𝙤𝙧𝙚?

𝘔𝘰𝘴𝘵 𝘣𝘶𝘴𝘪𝘯𝘦𝘴𝘴 𝘰𝘸𝘯𝘦𝘳𝘴 𝘵𝘩𝘪𝘯𝘬 𝘵𝘩𝘢𝘵 𝘴𝘦𝘯𝘵𝘦𝘯𝘤𝘦 𝘪𝘴 𝘢 𝘵𝘺𝘱𝘰. 𝗜𝘁 𝗶𝘀 𝗻𝗼𝘁.

𝗧𝗵𝗲 𝘆𝗲𝗮𝗿𝗹𝘆 𝗵𝗲𝗮𝗹𝘁𝗵 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗶𝗻𝗰𝗿𝗲𝗮𝘀𝗲 𝗵𝗮𝘀 𝗾𝘂𝗶𝗲𝘁𝗹𝘆 𝗯𝗲𝗰𝗼𝗺𝗲 𝗼𝗻𝗲 𝗼𝗳 𝘁𝗵𝗲 𝗯𝗶𝗴𝗴𝗲𝘀𝘁 𝗹𝗶𝗻𝗲 𝗶𝘁𝗲𝗺𝘀 𝘆𝗼𝘂 𝗰𝗮𝗻𝗻𝗼𝘁 𝘀𝗲𝗲𝗺 𝘁𝗼 𝗰𝗼𝗻𝘁𝗿𝗼𝗹. You pay more, your employees feel squeezed, and the benefits never seem to get better. It feels like the only lever you have is to cut.

𝗧𝗵𝗲𝗿𝗲 𝗶𝘀 𝗮𝗻𝗼𝘁𝗵𝗲𝗿 𝗽𝗮𝘁𝗵 𝘁𝗵𝗮𝘁 𝘃𝗲𝗿𝘆 𝗳𝗲𝘄 𝗼𝘄𝗻𝗲𝗿𝘀 𝗸𝗻𝗼𝘄 𝗲𝘅𝗶𝘀𝘁𝘀. By restructuring how the health plan is funded and designed, companies are lowering their costs while giving employees added wellness benefits and more money in every paycheck. Same people, better outcome, lower spend.

𝗜 𝘀𝗶𝘁 𝗱𝗼𝘄𝗻 𝘄𝗶𝘁𝗵 𝗼𝘄𝗻𝗲𝗿𝘀 𝗮𝗻𝗱 𝗲𝘅𝗲𝗰𝘂𝘁𝗶𝘃𝗲𝘀 𝗮𝗻𝗱 𝘄𝗮𝗹𝗸 𝘁𝗵𝗿𝗼𝘂𝗴𝗵 𝗲𝘅𝗮𝗰𝘁𝗹𝘆 𝘄𝗵𝗮𝘁 𝘁𝗵𝗶𝘀 𝘄𝗼𝘂𝗹𝗱 𝗹𝗼𝗼𝗸 𝗹𝗶𝗸𝗲 𝗳𝗼𝗿 𝘆𝗼𝘂𝗿 𝘀𝗽𝗲𝗰𝗶𝗳𝗶𝗰 𝘁𝗲𝗮𝗺. 𝗡𝗼 𝗽𝗿𝗲𝘀𝘀𝘂𝗿𝗲 𝗮𝗻𝗱 𝗻𝗼 𝗰𝗼𝘀𝘁 𝘁𝗼 𝗳𝗶𝗻𝗱 𝗼𝘂𝘁.

𝗧𝗮𝗸𝗲 𝗮 𝗹𝗼𝗼𝗸 𝗮𝗻𝗱 𝗴𝗿𝗮𝗯 𝗮 𝘁𝗶𝗺𝗲 𝘁𝗵𝗮𝘁 𝘄𝗼𝗿𝗸𝘀 𝗳𝗼𝗿 𝘆𝗼𝘂: https://RichardGiraldez.com/employee-benefits -benefits

09/30/2026

𝙀𝙫𝙚𝙧 𝙤𝙥𝙚𝙣 𝙮𝙤𝙪𝙧 𝙢𝙖𝙞𝙡𝙗𝙤𝙭, 𝙨𝙚𝙚 𝙖𝙣𝙤𝙩𝙝𝙚𝙧 𝙢𝙚𝙙𝙞𝙘𝙖𝙡 𝙗𝙞𝙡𝙡, 𝙖𝙣𝙙 𝙩𝙝𝙞𝙣𝙠 "𝙄 𝙝𝙖𝙫𝙚 𝙣𝙤 𝙞𝙙𝙚𝙖 𝙞𝙛 𝙩𝙝𝙞𝙨 𝙞𝙨 𝙚𝙫𝙚𝙣 𝙘𝙤𝙧𝙧𝙚𝙘𝙩"?

You are not alone. Most people never check. And that is exactly how families and businesses end up overpaying year after year.

𝗪𝗲 𝗯𝘂𝗶𝗹𝘁 𝗮 𝗵𝗲𝗮𝗹𝘁𝗵𝗰𝗮𝗿𝗲 𝗮𝗱𝘃𝗼𝗰𝗮𝗰𝘆 𝘀𝗲𝗿𝘃𝗶𝗰𝗲 𝘁𝗼 𝗳𝗶𝘅 𝘁𝗵𝗮𝘁. Here is what we do for you. 𝗪𝗲 𝗿𝗲𝘃𝗶𝗲𝘄 𝘆𝗼𝘂𝗿 𝗺𝗲𝗱𝗶𝗰𝗮𝗹 𝗯𝗶𝗹𝗹𝘀 𝗮𝗴𝗮𝗶𝗻𝘀𝘁 𝘆𝗼𝘂𝗿 𝗰𝘂𝗿𝗿𝗲𝗻𝘁 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗽𝗹𝗮𝗻. 𝗪𝗲 𝗰𝗼𝗻𝗳𝗶𝗿𝗺 𝘆𝗼𝘂𝗿 𝘁𝗿𝘂𝗲 𝗱𝗲𝗱𝘂𝗰𝘁𝗶𝗯𝗹𝗲𝘀. 𝗪𝗲 𝗳𝗶𝗻𝗱 𝘆𝗼𝘂 𝗺𝗼𝗿𝗲 𝗮𝗳𝗳𝗼𝗿𝗱𝗮𝗯𝗹𝗲 𝗽𝗹𝗮𝗰𝗲𝘀 𝘁𝗼 𝗴𝗲𝘁 𝘁𝗵𝗲 𝘀𝗮𝗺𝗲 𝗽𝗿𝗼𝗰𝗲𝗱𝘂𝗿𝗲𝘀 𝗱𝗼𝗻𝗲. 𝗔𝗻𝗱 𝗶𝗻𝘀𝘁𝗲𝗮𝗱 𝗼𝗳 𝘁𝗵𝗮𝘁 𝗲𝘅𝗽𝗲𝗻𝘀𝗶𝘃𝗲, 𝘁𝗶𝗺𝗲 𝗱𝗿𝗮𝗶𝗻𝗶𝗻𝗴 𝘁𝗿𝗶𝗽 𝘁𝗼 𝘁𝗵𝗲 𝗘𝗥, 𝘄𝗲 𝗯𝗲𝗰𝗼𝗺𝗲 𝘆𝗼𝘂𝗿 𝗳𝗶𝗿𝘀𝘁 𝗰𝗮𝗹𝗹 𝗼𝗿 𝘁𝗲𝘅𝘁 𝗳𝗼𝗿 𝗮𝗹𝗺𝗼𝘀𝘁 𝗲𝘃𝗲𝗿𝘆𝘁𝗵𝗶𝗻𝗴.

This does not replace your health insurance. It works right alongside it.

𝗧𝗵𝗲 𝗯𝗲𝘀𝘁 𝗽𝗮𝗿𝘁 𝗳𝗼𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗼𝘄𝗻𝗲𝗿𝘀 𝗶𝘀 𝘁𝗵𝗮𝘁 𝗳𝗼𝗿 𝗺𝗼𝘀𝘁 𝗰𝗼𝗺𝗽𝗮𝗻𝗶𝗲𝘀 𝘁𝗵𝗶𝘀 𝗶𝘀 𝗰𝗼𝗺𝗽𝗹𝗲𝘁𝗲𝗹𝘆 𝘀𝗲𝗹𝗳 𝗳𝘂𝗻𝗱𝗲𝗱 𝘁𝗵𝗿𝗼𝘂𝗴𝗵 𝘁𝗮𝘅 𝗶𝗻𝗰𝗲𝗻𝘁𝗶𝘃𝗲𝘀, 𝗺𝗲𝗮𝗻𝗶𝗻𝗴 𝗻𝗼 𝗰𝗼𝘀𝘁 𝗼𝘂𝘁 𝗼𝗳 𝗽𝗼𝗰𝗸𝗲𝘁. A dedicated HR team does all the heavy lifting, and it can be up and running in as little as 45 days.

𝗡𝗼 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗳𝗼𝗿 𝘆𝗼𝘂𝗿 𝘁𝗲𝗮𝗺 𝗿𝗶𝗴𝗵𝘁 𝗻𝗼𝘄? Still a great way to attract and keep good people. Already buying insurance? 𝗪𝗲 𝗰𝗮𝗻 𝗼𝗳𝘁𝗲𝗻 𝗳𝗶𝗻𝗱 𝘁𝗵𝗲 𝘀𝗮𝗺𝗲 𝗽𝗹𝗮𝗻 𝗳𝗼𝗿 𝟯𝟬 𝘁𝗼 𝟱𝟬% 𝗹𝗲𝘀𝘀.

This is the kind of thing that helps your people and your business at the same time.

𝗟𝗲𝗮𝗿𝗻 𝗺𝗼𝗿𝗲 & 𝘀𝗰𝗵𝗲𝗱𝘂𝗹𝗲 𝗮 𝗙𝗿𝗲𝗲 𝗕𝗲𝗻𝗲𝗳𝗶𝘁𝘀 𝗘𝘃𝗮𝗹𝘂𝗮𝘁𝗶𝗼𝗻 𝗮𝘁: https://RichardGiraldez.com/employee-benefits

09/28/2026

📶 𝙔𝙤𝙪𝙧 𝙗𝙪𝙨𝙞𝙣𝙚𝙨𝙨 𝙒𝙞-𝙁𝙞 𝙘𝙤𝙪𝙡𝙙 𝙗𝙚 𝙚𝙖𝙧𝙣𝙞𝙣𝙜 𝙮𝙤𝙪 𝙢𝙤𝙣𝙚𝙮 𝙧𝙞𝙜𝙝𝙩 𝙣𝙤𝙬!
𝗠𝗮𝗷𝗼𝗿 𝗰𝗮𝗿𝗿𝗶𝗲𝗿𝘀 (𝗔𝗧&𝗧, 𝗧-𝗠𝗼𝗯𝗶𝗹𝗲, 𝗚𝗼𝗼𝗴𝗹𝗲-𝗪𝗶𝗙𝗶) 𝗮𝗿𝗲 𝗿𝘂𝗻𝗻𝗶𝗻𝗴 𝗼𝘂𝘁 𝗼𝗳 𝗰𝗲𝗹𝗹𝘂𝗹𝗮𝗿 𝗯𝗮𝗻𝗱𝘄𝗶𝗱𝘁𝗵. 𝗜𝗻𝘀𝘁𝗲𝗮𝗱 𝗼𝗳 𝗯𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝗲𝘅𝗽𝗲𝗻𝘀𝗶𝘃𝗲 𝗰𝗲𝗹𝗹 𝘁𝗼𝘄𝗲𝗿𝘀, 𝘁𝗵𝗲𝘆'𝗹𝗹 𝗽𝗮𝘆 𝘁𝗼 𝗽𝗶𝗴𝗴𝘆𝗯𝗮𝗰𝗸 𝗼𝗻 𝘁𝗵𝗲 𝗪𝗶-𝗙𝗶 𝘆𝗼𝘂 𝗮𝗹𝗿𝗲𝗮𝗱𝘆 𝗵𝗮𝘃𝗲.

✅ Foot Traffic of 100+ 1hr/day, 50+ 2hr/day, 25+ 4hr/day, etc
✅ No cost to you
✅ No security or speed issues
✅ ~30-min remote setup
✅ Completely separate, secure channel

𝗪𝗵𝗲𝗻 𝗰𝘂𝘀𝘁𝗼𝗺𝗲𝗿𝘀 𝘄𝗮𝗹𝗸 𝗶𝗻, 𝘁𝗵𝗲𝗶𝗿 𝗽𝗵𝗼𝗻𝗲𝘀 𝗰𝗼𝗻𝗻𝗲𝗰𝘁 𝗮𝘂𝘁𝗼𝗺𝗮𝘁𝗶𝗰𝗮𝗹𝗹𝘆, 𝗮𝗻𝗱 𝘆𝗼𝘂 𝗲𝗮𝗿𝗻 𝗽𝗮𝘀𝘀𝗶𝘃𝗲 𝗿𝗲𝘃𝗲𝗻𝘂𝗲 𝗳𝗿𝗼𝗺 𝗶𝗻𝗳𝗿𝗮𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲 𝘆𝗼𝘂 𝗮𝗹𝗿𝗲𝗮𝗱𝘆 𝗼𝘄𝗻.

𝗟𝗲𝗮𝗿𝗻 𝗺𝗼𝗿𝗲 𝗮𝗻𝗱 𝗯𝗼𝗼𝗸 𝗮𝗻 𝗼𝗻𝗹𝗶𝗻𝗲 𝗺𝗲𝗲𝘁𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝗺𝗲👇
https://RichardGiraldez.com/wifi-income

09/25/2026

❌ 𝘿𝙤𝙣'𝙩 𝙘𝙤𝙪𝙣𝙩 𝙮𝙤𝙪𝙧𝙨𝙚𝙡𝙛 𝙤𝙪𝙩 𝙗𝙚𝙛𝙤𝙧𝙚 𝙮𝙤𝙪 𝙠𝙣𝙤𝙬 𝙮𝙤𝙪𝙧 𝙤𝙥𝙩𝙞𝙤𝙣𝙨.
One of the biggest myths about business funding is that you need perfect credit to qualify. The reality? Every business is different, and funding decisions are based on much more than a single credit score.

𝗥𝗲𝗮𝗰𝗵 𝗼𝘂𝘁 𝘁𝗼 𝗥𝗢𝗞 𝘁𝗼𝗱𝗮𝘆 𝘁𝗼 𝘀𝗲𝗲 𝘄𝗵𝗮𝘁 𝗺𝗮𝘆 𝗯𝗲 𝗮𝘃𝗮𝗶𝗹𝗮𝗯𝗹𝗲 𝗳𝗼𝗿 𝘆𝗼𝘂𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀. 👇
https://BizFunding.online

09/15/2026

𝙄'𝙫𝙚 𝙗𝙚𝙚𝙣 𝙢𝙚𝙣𝙩𝙞𝙤𝙣𝙞𝙣𝙜 𝙩𝙝𝙞𝙨 𝙛𝙤𝙧 𝙖 𝙮𝙚𝙖𝙧... 𝙗𝙪𝙩 𝙄 𝙣𝙚𝙫𝙚𝙧 𝙩𝙤𝙡𝙙 𝙮𝙤𝙪 𝙝𝙤𝙬 𝙢𝙪𝙘𝙝 𝙞𝙩 𝙖𝙘𝙩𝙪𝙖𝙡𝙡𝙮 𝙝𝙚𝙡𝙥𝙨. 𝙇𝙚𝙩 𝙢𝙚 𝙛𝙞𝙭 𝙩𝙝𝙖𝙩. 👇

Real talk.

I've posted about this benefits program on and off for a year now. 𝗕𝘂𝘁 𝗜 𝗻𝗲𝘃𝗲𝗿 𝘁𝗿𝘂𝗹𝘆 𝗳𝗼𝗰𝘂𝘀𝗲𝗱 𝗼𝗻 𝘁𝗵𝗲 𝘁𝗵𝗶𝗻𝗴 𝘁𝗵𝗮𝘁 𝗺𝗮𝘁𝘁𝗲𝗿𝘀 𝗺𝗼𝘀𝘁, 𝗵𝗼𝘄 𝗺𝘂𝗰𝗵 𝗶𝘁 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗵𝗲𝗹𝗽𝘀 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗼𝘄𝗻𝗲𝗿𝘀 𝗮𝗻𝗱 𝘁𝗵𝗲𝗶𝗿 𝘁𝗲𝗮𝗺𝘀.

(I was busy building my grant company. Fun twist: my benefits partner's Founder hired ME to write grants for his nonprofit. 🤝)

𝗦𝗼 𝗹𝗲𝘁 𝗺𝗲 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝘀𝗹𝗼𝘄 𝗱𝗼𝘄𝗻 𝗮𝗻𝗱 𝘀𝗮𝘆 𝗶𝘁 𝗽𝗹𝗮𝗶𝗻𝗹𝘆. 𝗜𝗳 𝘆𝗼𝘂 𝗼𝘄𝗻 𝗮 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝘄𝗶𝘁𝗵 𝟭𝟬+ 𝗳𝘂𝗹𝗹-𝘁𝗶𝗺𝗲 𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗲𝘀, 𝘁𝗵𝗶𝘀 𝗽𝗿𝗼𝗴𝗿𝗮𝗺 👇

💰 𝗦𝗮𝘃𝗲𝘀 𝘆𝗼𝘂 $𝟮,𝟬𝟬𝟬–$𝟯,𝟬𝟬𝟬 𝗽𝗲𝗿 𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗲, 𝗽𝗲𝗿 𝘆𝗲𝗮𝗿
🩺 𝗠𝗮𝗸𝗲𝘀 𝘆𝗼𝘂𝗿 𝘁𝗲𝗮𝗺 𝗵𝗲𝗮𝗹𝘁𝗵𝗶𝗲𝗿 — 𝟮𝟰/𝟳 𝗨𝗦 𝗱𝗼𝗰𝘁𝗼𝗿𝘀, $𝟬 𝗰𝗼𝗽𝗮𝘆𝘀, 𝗺𝗲𝗱𝘀 𝗱𝗲𝗹𝗶𝘃𝗲𝗿𝗲𝗱
🤝 𝗛𝗲𝗹𝗽𝘀 𝘆𝗼𝘂 𝗞𝗘𝗘𝗣 𝘆𝗼𝘂𝗿 𝗯𝗲𝘀𝘁 𝗽𝗲𝗼𝗽𝗹𝗲
💵 𝗣𝘂𝘁𝘀 $𝟮,𝟬𝟬𝟬–$𝟯,𝟬𝟬𝟬 𝗺𝗼𝗿𝗲 𝗶𝗻 𝘁𝗵𝗲𝗶𝗿 𝗽𝗮𝘆𝗰𝗵𝗲𝗰𝗸𝘀
✅ 𝗔𝗻𝗱 𝗰𝗼𝘀𝘁𝘀 𝘆𝗼𝘂 𝗻𝗼𝘁𝗵𝗶𝗻𝗴 — 𝟭𝟬𝟬% 𝘁𝗮𝘅-𝗶𝗻𝗰𝗲𝗻𝘁𝗶𝘃𝗲 𝗳𝘂𝗻𝗱𝗲𝗱

Works alongside your current insurance. Done-for-you. Live in ~45 days.

𝙏𝙝𝙞𝙨 𝙙𝙚𝙨𝙚𝙧𝙫𝙚𝙨 𝙮𝙤𝙪𝙧 𝙖𝙩𝙩𝙚𝙣𝙩𝙞𝙤𝙣. 𝙇𝙚𝙩 𝙢𝙚 𝙨𝙝𝙤𝙬 𝙮𝙤𝙪 𝙬𝙝𝙖𝙩 𝙞𝙩 𝙢𝙚𝙖𝙣𝙨 𝙛𝙤𝙧 𝙔𝙊𝙐𝙍 𝙗𝙪𝙨𝙞𝙣𝙚𝙨𝙨.

👉 𝗚𝗿𝗮𝗯 𝗮 𝗙𝗥𝗘𝗘 𝗰𝗼𝘀𝘁 𝘀𝗮𝘃𝗶𝗻𝗴𝘀 𝗿𝗲𝘃𝗶𝗲𝘄:
https://RichardGiraldez.com/employee-benefits -benefits

09/10/2026

𝙇𝙚𝙩 𝙢𝙚 𝙖𝙨𝙠 𝙮𝙤𝙪 𝙨𝙤𝙢𝙚𝙩𝙝𝙞𝙣𝙜, 𝙗𝙪𝙨𝙞𝙣𝙚𝙨𝙨 𝙤𝙬𝙣𝙚𝙧 𝙩𝙤 𝙗𝙪𝙨𝙞𝙣𝙚𝙨𝙨 𝙤𝙬𝙣𝙚𝙧.

𝗪𝗵𝗲𝗻'𝘀 𝘁𝗵𝗲 𝗹𝗮𝘀𝘁 𝘁𝗶𝗺𝗲 𝘆𝗼𝘂𝗿 𝗵𝗲𝗮𝗹𝘁𝗵𝗰𝗮𝗿𝗲 𝗰𝗼𝘀𝘁𝘀 𝘄𝗲𝗻𝘁 𝗱𝗼𝘄𝗻?

Never, right? Every year the renewal letter shows up, the number's higher, and you just eat it. I've been there.

So here's something worth two minutes of your attention.

𝗧𝗵𝗲𝗿𝗲'𝘀 𝗮 𝗽𝗿𝗼𝗴𝗿𝗮𝗺 𝗳𝗼𝗿 𝗰𝗼𝗺𝗽𝗮𝗻𝗶𝗲𝘀 𝘄𝗶𝘁𝗵 𝟭𝟬 𝗼𝗿 𝗺𝗼𝗿𝗲 𝗳𝘂𝗹𝗹-𝘁𝗶𝗺𝗲 𝗪-𝟮 𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗲𝘀 𝘁𝗵𝗮𝘁 𝗱𝗼𝗲𝘀 𝘁𝗵𝗿𝗲𝗲 𝘁𝗵𝗶𝗻𝗴𝘀 𝗮𝘁 𝗼𝗻𝗰𝗲:

✅ Cuts your healthcare-related expenses: averaging $2,000 to $3,000 per employee a year
✅ Gives your team better benefits (U.S.-based doctors 24/7, $0-copay telehealth, meds delivered to their door, someone to fight their medical bills for them)
✅ Actually puts more money in your employees' paychecks, around $2,000–$3,000 a year each

𝗔𝗻𝗱 𝘁𝗵𝗲 𝗸𝗶𝗰𝗸𝗲𝗿? 𝗙𝗼𝗿 𝗺𝗼𝘀𝘁 𝗰𝗼𝗺𝗽𝗮𝗻𝗶𝗲𝘀 𝗶𝘁'𝘀 𝟭𝟬𝟬% 𝘀𝗲𝗹𝗳-𝗳𝘂𝗻𝗱𝗲𝗱 𝘁𝗵𝗿𝗼𝘂𝗴𝗵 𝘁𝗮𝘅 𝗶𝗻𝗰𝗲𝗻𝘁𝗶𝘃𝗲𝘀, 𝗺𝗲𝗮𝗻𝗶𝗻𝗴 𝘇𝗲𝗿𝗼 𝗻𝗲𝘁 𝗰𝗼𝘀𝘁 𝘁𝗼 𝘆𝗼𝘂.

It doesn't replace your current insurance. It works alongside it. It's done-for-you. And it can be up and running in about 45 days.

𝙔𝙤𝙪𝙧 𝙥𝙚𝙤𝙥𝙡𝙚 𝙜𝙚𝙩 𝙝𝙚𝙖𝙡𝙩𝙝𝙞𝙚𝙧 𝙖𝙣𝙙 𝙩𝙖𝙠𝙚 𝙝𝙤𝙢𝙚 𝙢𝙤𝙧𝙚. 𝙔𝙤𝙪𝙧 𝙘𝙤𝙢𝙥𝙖𝙣𝙮 𝙨𝙖𝙫𝙚𝙨 𝙢𝙤𝙣𝙚𝙮. 𝙏𝙝𝙖𝙩'𝙨 𝙖 𝙧𝙖𝙧𝙚 𝙩𝙝𝙞𝙣𝙜 𝙬𝙝𝙚𝙧𝙚 𝙚𝙫𝙚𝙧𝙮𝙗𝙤𝙙𝙮 𝙖𝙘𝙩𝙪𝙖𝙡𝙡𝙮 𝙬𝙞𝙣𝙨.

𝗜𝗳 𝘆𝗼𝘂'𝘃𝗲 𝗴𝗼𝘁 𝟭𝟬+ 𝗳𝘂𝗹𝗹-𝘁𝗶𝗺𝗲 𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗲𝘀, 𝘁𝗮𝗸𝗲 𝗮 𝗹𝗼𝗼𝗸 𝗮𝘁 𝘄𝗵𝗮𝘁 𝗶𝘁 𝗰𝗼𝘂𝗹𝗱 𝗺𝗲𝗮𝗻 𝗳𝗼𝗿 𝘆𝗼𝘂𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀, 𝘁𝗵𝗲𝗻 𝗴𝗿𝗮𝗯 𝗮 𝗳𝗿𝗲𝗲 𝗯𝗲𝗻𝗲𝗳𝗶𝘁𝘀 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝘁𝗶𝗼𝗻.

👉 https://RichardGiraldez.com/employee-benefits -benefits

09/07/2026

To my family, friends, clients, colleagues, connections, and everyone else I wish a Happy Labor Day!

08/20/2026

🏗️ 𝙒𝙖𝙞𝙩𝙞𝙣𝙜 𝙤𝙣 𝙘𝙪𝙨𝙩𝙤𝙢𝙚𝙧 𝙥𝙖𝙮𝙢𝙚𝙣𝙩𝙨 𝙬𝙝𝙞𝙡𝙚 𝙥𝙧𝙤𝙟𝙚𝙘𝙩𝙨 𝙠𝙚𝙚𝙥 𝙢𝙤𝙫𝙞𝙣𝙜?

𝗔 𝗟𝗼𝘂𝗶𝘀𝗶𝗮𝗻𝗮 𝗰𝗼𝗻𝘀𝘁𝗿𝘂𝗰𝘁𝗶𝗼𝗻 𝗰𝗼𝗺𝗽𝗮𝗻𝘆 𝘀𝗲𝗰𝘂𝗿𝗲𝗱 $𝟯𝟱𝟳,𝟬𝟬𝟬 𝗶𝗻 𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝘀 𝗥𝗲𝗰𝗲𝗶𝘃𝗮𝗯𝗹𝗲 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝗶𝗻 𝗷𝘂𝘀𝘁 𝟭𝟬 𝗱𝗮𝘆𝘀, giving them the cash flow to cover payroll and keep projects on time while waiting for unpaid invoices to be paid. 💼📈

🌐 𝗔𝗽𝗽𝗹𝘆: https://BizFunding.Online
📖 𝗟𝗲𝗮𝗿𝗻 𝗺𝗼𝗿𝗲: https://RichardGiraldez.com/business-funding
📅 𝗦𝗰𝗵𝗲𝗱𝘂𝗹𝗲 𝘆𝗼𝘂𝗿 𝗺𝗲𝗲𝘁𝗶𝗻𝗴: https://MyBizFunding.Online

𝙋𝙖𝙧𝙩𝙣𝙚𝙧 𝙬𝙞𝙩𝙝 𝙤𝙣𝙚 𝙤𝙛 𝙩𝙝𝙚 𝙩𝙤𝙥 𝙧𝙚𝙫𝙞𝙚𝙬𝙚𝙙 𝙡𝙤𝙖𝙣 𝙗𝙧𝙤𝙠𝙚𝙧𝙨 𝙞𝙣 𝙩𝙝𝙚 𝙘𝙤𝙪𝙣𝙩𝙧𝙮
https://go.mypartner.io/referral-partner/?ref=0014x00001C7qfQAAR

𝙏𝙖𝙜 𝙖 𝙗𝙪𝙨𝙞𝙣𝙚𝙨𝙨 𝙩𝙝𝙖𝙩 𝙣𝙚𝙚𝙙𝙨 𝙩𝙝𝙚𝙞𝙧 𝘼𝙍 𝙧𝙚𝙫𝙚𝙣𝙪𝙚 𝙣𝙤𝙬 𝙩𝙤 𝙨𝙚𝙚 𝙩𝙝𝙞𝙨 👇🏠

08/06/2026

🪱 𝙒𝙖𝙧𝙧𝙚𝙣 𝘽𝙪𝙛𝙛𝙚𝙩𝙩 𝙬𝙖𝙧𝙣𝙚𝙙 𝙪𝙨 𝙞𝙣 2017. 𝙃𝙚 𝙬𝙖𝙨 𝙧𝙞𝙜𝙝𝙩, 𝙖𝙣𝙙 𝙞𝙩'𝙨 𝙘𝙤𝙨𝙩𝙞𝙣𝙜 𝙮𝙤𝙪𝙧 𝙗𝙪𝙨𝙞𝙣𝙚𝙨𝙨 𝙢𝙤𝙧𝙚 𝙩𝙝𝙖𝙣 𝙮𝙤𝙪 𝙩𝙝𝙞𝙣𝙠.
Buffett called medical costs "the 𝘁𝗮𝗽𝗲𝘄𝗼𝗿𝗺 𝗼𝗳 𝗔𝗺𝗲𝗿𝗶𝗰𝗮𝗻 𝗲𝗰𝗼𝗻𝗼𝗺𝗶𝗰 𝗰𝗼𝗺𝗽𝗲𝘁𝗶𝘁𝗶𝘃𝗲𝗻𝗲𝘀𝘀." Not a soundbite. A diagnosis.

𝗘𝗶𝗴𝗵𝘁 𝘆𝗲𝗮𝗿𝘀 𝗹𝗮𝘁𝗲𝗿? 𝗧𝗵𝗮𝘁 𝘁𝗮𝗽𝗲𝘄𝗼𝗿𝗺 𝗴𝗼𝘁 𝗯𝗶𝗴𝗴𝗲𝗿, 𝗵𝘂𝗻𝗴𝗿𝗶𝗲𝗿, 𝗮𝗻𝗱 𝗺𝗼𝗿𝗲 𝗱𝗲𝘀𝘁𝗿𝘂𝗰𝘁𝗶𝘃𝗲:

📈 18.0% of U.S. GDP in 2024

💸 $17,496 per employee, per year in average health benefit costs

👨‍👩‍👧 $26,993 average family premium

𝗧𝗵𝗶𝘀 𝗶𝘀𝗻'𝘁 𝗮 𝗙𝗼𝗿𝘁𝘂𝗻𝗲 𝟱𝟬𝟬 𝗽𝗿𝗼𝗯𝗹𝗲𝗺 𝘄𝗶𝘁𝗵 𝗮 𝗙𝗼𝗿𝘁𝘂𝗻𝗲 𝟱𝟬𝟬 𝗯𝘂𝗱𝗴𝗲𝘁. 𝗜𝘁'𝘀 𝘁𝗵𝗲 𝟭𝟮-𝗽𝗲𝗿𝘀𝗼𝗻 𝗰𝗼𝗺𝗽𝗮𝗻𝘆, 𝘁𝗵𝗲 𝟯𝟬-𝗽𝗲𝗿𝘀𝗼𝗻 𝘀𝗵𝗼𝗽, 𝘁𝗵𝗲 𝗳𝗮𝗺𝗶𝗹𝘆 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝘁𝗿𝘆𝗶𝗻𝗴 𝘁𝗼 𝗱𝗼 𝗿𝗶𝗴𝗵𝘁 𝗯𝘆 𝗶𝘁𝘀 𝗽𝗲𝗼𝗽𝗹𝗲.

𝗛𝗲𝗿𝗲'𝘀 𝘁𝗵𝗲 𝗴𝗼𝗼𝗱 𝗻𝗲𝘄𝘀: these costs are not fixed. They're negotiable, if you know what you're doing. And businesses using a smarter, unbundled model are reporting 15% to 25% per-employee savings without cutting coverage.

𝗜 𝗲𝘅𝗽𝗹𝗮𝗶𝗻 𝗲𝘅𝗮𝗰𝘁𝗹𝘆 𝗵𝗼𝘄 𝗶𝗻 𝗺𝘆 𝗻𝗲𝘄 𝗮𝗿𝘁𝗶𝗰𝗹𝗲 👇

📖 𝗥𝗲𝗮𝗱 𝗶𝘁 𝗵𝗲𝗿𝗲: https://richardgiraldez.com/blog/warren-buffett-was-right-about-healthcare-costs

🔎 𝗟𝗲𝗮𝗿𝗻 𝗺𝗼𝗿𝗲 𝗮𝗯𝗼𝘂𝘁 𝗼𝘂𝗿 𝗽𝗿𝗼𝗴𝗿𝗮𝗺𝘀: https://richardgiraldez.com/employee-benefits

🗓️ 𝗕𝗼𝗼𝗸 𝗮 𝗙𝗥𝗘𝗘, 𝗻𝗼-𝗼𝗯𝗹𝗶𝗴𝗮𝘁𝗶𝗼𝗻 𝗯𝗲𝗻𝗲𝗳𝗶𝘁𝘀 𝗲𝘃𝗮𝗹𝘂𝗮𝘁𝗶𝗼𝗻: https://EmployerHealth.Solutions

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