Employee
Benefits
BBCG,
Inc. has been providing brokerage and consulting services to
Florida employers since its formation in 1996. Its
principal consultant, Robert W. Murphy, has 31 years of
insurance carrier and consulting experience. In additional to
an undergraduate degree in banking & finance, he holds an
advanced financial degree (i.e., MBA) and four of the most prestigious
financial services designations in the industry (i.e.,
American College conferred REBC, ChFC,
CLU, and RHU). He has been a panelist/speaker at a national
conference on the future of healthcare and was a participant
at a Harvard University executive program entitled “Skills
for the New World of Health Care.”
BBCG,
Inc. was formed to take advantage of an eclectic mix of
strategic relationships where the best mix of benefits
professionals are always brought to bear on behalf of a
client. We have chosen to form horizontal, as opposed to
vertical, relationships to avail our clients of the most
optimum resources. We deliberately avoid any parochial
relationship which would cause our recommendations to be
biased.
However, as a service to our clients, we will at times provide
a recommendation of a preferred carrier which we feel has
exceptional expertise in a certain area.
BBCG, Inc. is also positioned
to best serve clients in the complex times of healthcare reform
under PPACA. New concepts such as "defined
contribution healthplans" are rapidly emerging as the
underwriting rules change. Many think that small businesses will
gravitate to this concept and then wholly embrace it when all
individual health policy medical underwriting is prohibited in
2014. Even major employers have adopted the concept for things
such as a means of providing future retiree health benefits. As
this trend continues, it is likely that the terms "benefits
professional" and "group insurance professional" will no longer
be synonymous. Employers will continue to provide financial
support to employees for healthcare purchases and receive
comparable tax treatment to that now received. However, the
underlying mechanisms will be much different and they will have
a new emphasis on individuals purchasing their own individual
policies. In recognition of this sea change in the method of
providing benefits, BBCG, Inc. has put renewed emphasis on
individual healthcare insurance carriers and administrators with
exceptional knowledge of "health reimbursement arrangements"
(i.e., "HRA's").
Strategic,
Operational, Financial, Investment, and Insurance Consulting
Following
on the same horizontal benefits strategy above, in 2007 BBCG,
Inc. formed two new key strategic relationships for the
delivery of a full array of financial planning solutions for
senior decision makers. BBCG, Inc. remains the primary
insurance resource but can now couple those services with
strategic planning, corporate governance review, estate
planning services, investment consulting, money management and
general management consulting. It is important to note
that BBCG, Inc. provides directly only those services for
which its consultants are properly licensed. All other
services are via strategic relationships with other high
caliber professionals. Please contact us via one of the
methods shown below to discuss these resources in more depth.
You may click
here to email us or click on our Contact Information tab at left for
additional contact methods.
Former Pinellas County Florida
Board Member
