Measurably Better Client Advice
Your clients get an Objective read on one of their largest operating expenses, with dollars attached. The savings show up in their P&L and the credit comes back to your firm.
BOA · Benefits Optimization Alliance
Add benefits advisory to your firm without building a benefits practice.
BOA, the Benefits Optimization Alliance, is a partnership program built for mid market CPA firms. Your firm identifies employer clients carrying rising healthcare costs and introduces them. They receive an Objective, data-driven read on one of their largest operating expenses, and the credit for the introduction comes back to your firm.
Every client introduced through BOA receives two deliverables at no cost: a board-ready Executive Summary and the Benefits Optimization Report (BOR). Delivery is handled in partnership with Brian Pinto and his affiliated benefits firm, and participating firms also share in the revenue the engagements create.
The Opportunity
Why CPA firms partner with me.
Employee benefits sit directly on your clients' P&L. Better decisions there show up in profitability, cash flow, and EBITDA.
Benefits Advisory, Without Building It
Your firm adds employee benefits advisory as a practice area in partnership with Brian Pinto and the national benefits consulting organization with which he is affiliated, with no hiring, licensing, or delivery burden on your team.
A New Advisory Revenue Line
BOA also comes with a formal revenue share agreement, so your firm participates in the economics of the engagements it introduces. Client value comes first; the revenue follows it.
Client Conversations
Your clients already ask questions like...
You do not need to become the benefits expert. You need a specialist you can confidently introduce when these questions come up.
- Why did our healthcare costs increase again?
- Should we consider self funding?
- Are we paying too much for pharmacy benefits?
- How do we compare to similar employers?
- Is our broker being proactive?
- Are we leaving money on the table?
How the Partnership Works
Four steps. No heavy lift for your firm.
- Step 01
Identify
Think of employer clients with 20 or more employees who may benefit from an Objective employee benefits review.
- Step 02
Introduce
A short email introduction is all that is needed. Your role ends there; nothing else is asked of your team.
- Step 03
Benefits Optimization Report
I conduct the BOR analysis: claims and pharmacy review, funding analysis, benchmarking, compliance and predictive population health analytics. No cost, no obligation.
- Step 04
Present the Deliverables
The client receives the Executive Summary and the Benefits Optimization Report (BOR), presented to you and your client together.
What the introduction looks like
Your role is to identify and introduce. Nothing more. Most partners use two sentences and copy me on the email.
Subject: Introduction — healthcare cost review
Dan,
You mentioned your health plan renewal again last quarter. I work with Brian Pinto, who conducts an Objective Benefits Optimization Report for employer clients of the firm. He reviews claims, pharmacy, funding and plan design, then presents findings with dollars attached. There is no cost and no obligation.
Brian is copied here. I would suggest a 20-minute conversation to see whether it is worth doing.
Best,
The Two Client Deliverables
Two professional deliverables, provided at no cost.
Every client introduced through the Benefits Optimization Alliance receives both documents, built entirely from their own data.
Deliverable One
Executive Summary
A board ready executive overview of 8 to 12 pages written for the CEO, CFO, CHRO, and ownership. It highlights EBITDA opportunities, profit leakage, benchmark comparisons, key risks, and prioritized recommendations, and it anchors the executive presentation.
- 8 to 12 pages, board ready
- EBITDA opportunities and profit leakage
- Benchmark comparisons and key risks
- Prioritized recommendations
Deliverable Two
Benefits Optimization Report (BOR)
The comprehensive technical assessment: complete financial, actuarial, pharmacy, compliance, vendor, benchmarking, and funding analysis with supporting exhibits, assumptions, and an implementation roadmap. It is the detailed due diligence document behind every recommendation.
- Financial, actuarial, and funding analysis
- Pharmacy, vendor, and compliance review
- Benchmarking with exhibits and assumptions
- Implementation roadmap
Value Proposition
The Executive Summary and the BOR are provided pro bono as part of the Benefits Optimization Alliance.
A Benefits Optimization Report represents approximately $2,500 to $5,000 of consulting analysis, and engagements of greater scope can reach $7,500. For qualified employers introduced through participating strategic partners, the consulting fee is waived. Providing the work up front demonstrates value first and lets employers make decisions from their own data before any commitment.
Scope of Work
Areas we frequently improve.
Medical plan strategy
Alternative funding
Pharmacy benefit costs
Benchmarking
Vendor negotiations
Compliance and fiduciary review
Employee contribution strategy
Plan design optimization
A Note From Brian
Brian PintoEmployee Benefits Consultant
A new way to add value to your client relationships.
I'm helping professional advisory firms bring their clients an additional CFO-level advisory capability around employee benefits.
Through the Benefits Optimization Alliance, we provide clients with a complimentary Benefits Optimization Report designed to objectively identify potential cost, risk, funding, pharmacy, plan design, and optimization opportunities.
There is no obligation for the client to make a change.
The goal is simple: give your client valuable insight they may not be getting today, strengthen your position as a trusted advisor, and create an opportunity for us to help when the analysis shows there is something worth addressing.
Brian Pinto
My Role
Strategy first. Never product first.
I am an Objective strategic advisor helping employers improve one of their largest business expenses.
The work is analysis, benchmarking, and multi year planning. Recommendations are built from the client's own data and measured against their financial goals.
Your client keeps control of every decision, and you keep the relationship.
Credibility
Why CPA firms work with me.
- 25+ years specializing exclusively in employee benefits
- Experience serving employers with 20 to 2,500 employees
- Data driven approach focused on measurable business outcomes
- Supported by one of the nation's largest Objective employee benefits consulting firms
- Long term partner focused on protecting your client relationships
Representative Outcome
A 100 employee manufacturer reduced projected healthcare costs by more than $150,000.
The client was introduced by their CPA after a second consecutive double digit renewal increase. The review benchmarked their spend, tested an alternative funding structure, and repriced pharmacy.
The recommendations were implemented over two plan years. The savings dropped straight to operating income, and the CPA stayed at the center of the conversation.
Client
100 employee manufacturer
Trigger
Two double digit renewals
Result
$150,000+ projected cost avoided
Representative example based on typical engagement results. Outcomes vary by employer, claims experience, and plan structure.
Questions From Partners
Frequently asked questions.
Will this replace our relationship with our client?
No. The CPA remains the trusted advisor. My role is to provide specialized employee benefits expertise that complements your existing relationship.
Are clients obligated to change brokers?
No. Many engagements simply provide strategic recommendations. The client decides whether to implement them.
How does the CPA firm benefit?
Two ways. Your clients see measurable value on a major expense line, and BOA includes a revenue share agreement so your firm participates in the engagements it introduces. That becomes a recurring advisory revenue line, not a one-time referral fee.
What size employers are the best fit?
Generally 20 or more employees. The ideal client is a growing business whose employee benefits have become increasingly complex.
Next Step
Ready to explore a strategic partnership?
If your firm advises employer clients, let's discuss how we can help improve client outcomes while creating additional value for your practice.
20 minutes. No obligation. The client Benefits Optimization Report carries no fee.