Jason Barnes Business Financial Solutions

03/07/2025

Section 125 cafeteria health plans are an under utilized part of the tax code that have been around since 1978. It is a voluntary and self-funded program that does not disrupt or replace an existing health plan. Additionally, it drastically reduces payroll taxes for the employer, increases the benefits and take home pay for the employees, and increases the valuation of the company.

03/04/2025

Business Owners:

Since the 1970’s there have been several revisions to the IRS tax code that allow for Employers and Employees to reduce their tax liabilities.

For example:

Section 401(k) allows for an employee to make a pre-tax contribution to a retirement plan. This lowers their taxable income and lowers the F**A for them and the employer. An employer can also make a tax deductible matching contribution on behalf of the employee.

Section 125 also allows the employee to make a pre-tax contribution to a post tax benefit plan, thereby reducing F**A for both the Employer and Employee. The plan is self funded out of these savings, and the result is a net saving to the Employer while providing a benefit to the employee including in most cases an INCREASE to their take home pay. The net saving is due to the fact that the cost of the plan is substantially less than the F**A savings. These plans are voluntary and supplemental and do not replace or disrupt an existing health plan. These plans can save a business hundreds of thousands of dollars per year.

02/28/2025

02/26/2025

Many employers are unaware of the money they are leaving on the table for themselves and their employees by not implementing a Section 125 Cafeteria Plan. These work along side your current health plan WITHOUT replacing or disrupting it. Benefits to the Employer/Employee:

1. Employer saves $573 per employee per year in F**A taxes.
2. Significant increase in company EBITDA.
3. Employees experience an increase in take home pay of $100-$200 per month.
4. Plan is self funded. These numbers are net of fees.

08/26/2024

Many people do not have the benefit of being on an Employer Sponsored Health Plan. Self Employed individuals know all too well that coverage can be very expensive to obtain on their own and not very comprehensive. I am happy to provide a breath of fresh air to anyone who may be currently paying more than they need to for their own individual or family health insurance. I am happy to provide information to anyone interested. I certainly do provide services to institutional clients for Group Benefits, but it brings me joy to offer the same concierge level of benefits to individuals and families.

08/15/2024

Boost Your Team's Morale and Your Bottom Line!

Employee benefits can be costly and complex. Employers often struggle to find the sweet spot where they can offer comprehensive benefits without breaking the bank.

With rising healthcare costs, providing employees with a substantial take-home pay increase, while maintaining a lean budget, might seem like an impossible task. Yet, neglecting this can lead to low employee morale and high turnover rates.

Introducing our revolutionary approach to employee benefits. Save an astonishing $537 per employee annually without compromising on their healthcare plan. A win for your staff, and a win for your company's financial health.

Learn More to Start Saving: Call 317-801-2669 Today!

05/27/2024

Today, we pause to honor the valor and sacrifice of our nation’s heroes.

On this Memorial Day, we pay our deepest respects to the courageous men and women who have laid down their lives to protect our freedoms. Their selflessness and dedication continue to inspire generations.

Join us in commemorating these brave souls whose spirits live on in the freedoms we cherish.

05/24/2024

Boost Your Benefits Without Disruption

What if your health insurance didn't just protect you, but also boosted your wallet? Discover a plan that:

- Saves $573 per employee each year
– Lower healthcare costs mean more savings for both you and your employees.
- Increases take-home pay
– Enhance employee satisfaction with higher disposable income, without additional costs to your business.
- Integrates seamlessly
– Our plans complement your existing health benefits, ensuring no disruptions or replacements.

Empower Your Team with Smart Savings

Choose a plan that works smarter, not harder, for your financial health. Contact us to learn how you can enhance your current benefits package effortlessly!

Get Started Today

Why wait to make your health plan work harder for you? Reach out now and let us show you how easy it is to save more and stress less.

✉️ [email protected]

05/23/2024

Make Every Moment Count

Cherish More, Worry Less

It's not just about the years in your life, but the life in your years. Does your health plan support the way you choose to live those years? With our health insurance, it's all about enhancing the quality of every day.

Stay Healthy, Stay Happy

Ensure that every moment is lived to the fullest without the worry of medical costs. Our plans are designed to keep you healthy and active, so you can enjoy the best moments of life with peace of mind.

Learn More Today

Discover how our health insurance plans can help you live each day to its fullest potential. Click to find out more: https://jasonbarnesbusinessfinancialsolutions.com

05/21/2024

What could your business achieve with extra funds?

Imagine a scenario where your healthcare costs are drastically reduced. Suddenly, there's more room in your budget for growth, innovation, and employee rewards.

What impact would this have on your team?

Lower healthcare costs don't just save money—they boost morale. Employees who feel their health is valued are happier, more productive, and deeply committed to their roles.

Are you ready to see the difference?

Explore how reducing healthcare expenses can transform your business dynamics and improve staff satisfaction. Contact me at: 317-801-2669

05/20/2024

Busting the Big Myth About Employee Priorities

Think employees only care about bigger paychecks? Think again.

It's a common misconception that salary is everything. While everyone loves a good paycheck, health insurance benefits are often valued just as highly—if not more.

Health benefits provide long-term security and peace of mind that money alone can't buy. They're not just perks; they're essential tools for a stable future.

Discover why offering excellent health insurance benefits might just be the key to retaining your top talent. Don't overlook what truly matters to your team.

Let's talk: https://jasonbarnesbusinessfinancialsolutions.com

05/16/2024

This is your reminder to be proactive managing health care costs.

What are some strategies to mitigate rising health care costs?

↳ Modify health plan designs.

How can employers address the unique needs of individual employees?

↳ Offer personalized and flexible benefits.

How can employers prioritize employee mental health?

↳ Find specialized mental health treatment from chosen vendors.

How can employers promote a sense of belonging in the workplace?

↳ Celebrate employee achievements.

What benefits are employers expanding to meet employee needs?

↳ Flexible scheduling and remote work options.