Stop Overpaying the IRS.
Start Giving Raises.
Most business owners have never heard of Section 125, the 1978 federal tax code that legally reduces your payroll taxes by $681 or more, per W-2 employee, every single year. Your employees get $72 more per paycheck. You save thousands. Zero cost to either of you.
See What You'd Save
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Minimum 10 W-2 employees · $25K+ salary · ACA-compliant health coverage required
Verified by CBIZ & HitesmanLaw · Zero cost · Zero obligation
Section 125 Plan for San Diego Businesses
Two San Diego case studies anchor this market: Golden Living Point Loma (51-employee assisted living facility, owner is a practicing attorney) saves $120K/year, and Maaco San Diego (Peter Capdevielle, 20-year franchisee) confirmed a 50%+ Workers' Comp reduction.
Two attorneys and a 20-year franchisee — three sophisticated due-diligence buyers — independently verified the Section 125 program before enrolling their San Diego businesses. Dan Salceda at Golden Living personally reviewed the IRS tax code; Peter Capdevielle at Maaco reviewed the documentation thoroughly enough that he then referred 26 other Maaco owners.
San Diego businesses in the 30–80 employee range see net annual FICA savings between $20,000 and $54,000, plus industry-specific WC reduction. The math compounds especially well for senior-care and auto-service operators in the area.
What this looks like in practice.
“Being a lawyer myself, I implemented a rigorous evaluation — review of tax codes, consultations with CPAs, and securing a robust legal opinion. We proceeded unanimously.”
Verified by the Best in the Country
Skepticism is the right response. We don't ask you to take our word for it — we bring institutional proof that convinced CPAs, CFOs, attorneys, and insurance brokers to enroll their own companies.
Darcy L. Hitesman, J.D.
35+ years as an Employee Benefits attorney specializing in IRC Section 125, ERISA, HIPAA, and the ACA. Her May 5, 2025 opinion letter concludes: “In this firm's opinion, the Program described satisfies applicable IRS requirements.”
She specifically reviewed the IRS Chief Counsel Advice memoranda on "double-dip" arrangements — the exact schemes the IRS has flagged — and concluded this program is built differently and compliantly.
CBIZ Advisors LLC
CBIZ independently reviewed the program against IRC §§ 125, 105, and 106, plus ERISA, ACA, and COBRA requirements. Their August 22, 2025 letter concludes: “If operated per its provisions, the Program appears to satisfy the requirements of ERISA, the ACA, and COBRA as well.”
This review was commissioned by Affinity Hospice's CEO before enrolling his nationwide organization — and the CFO (himself a CPA) shared the letter publicly in his testimonial.
Direct From the U.S. Government
Section 125 has been in the Internal Revenue Code since 1978. Congress wrote it there specifically to encourage employers to fund preventive healthcare for American workers. This is not a loophole — it is the precise, intended use of a 47-year-old federal law, grounded in IRS Revenue Ruling 69-154, the specific published ruling supporting the benefit payment structure.
→ Verify on IRS.gov — Section 125 Cafeteria Plans ↗Questions specific to San Diego businesses
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Verified: CBIZ Advisors LLC (Aug 2025) · HitesmanLaw P.A. (May 2025)
$500K legal protection per enrolled employer · IRS Section 125 · Federal law since 1978