Our Mission Statement Is Simple & Worth Fighting For:
Keep More of Your Money Out of The Government Dumpster Fire, and Give Employees a Benefits Package They'll Rave Over, & Never Leave!
Is Your Money Going Into Your Pocket or Theirs?
HERE'S HOW...
Your Goal, Is Our Goal:
Keep more of your money, revenue growth, increase profits, reduce existing employee turnover, & increase key employee acquisition/retention while maximizing returns to owners and shareholders.
No Additional Net Costs To Employers or Employees.
We meet your Goals in the following key areas:
Owner Impact:
Workers Comp Audit & Refund Processing ($10s of thousands to millions can be refunded)
Offset 20% - 30% Tax Liability from Employee Retention Tax Credits (if received)
Access your Retained Earnings Tax Free, completely IRS compliant, while leaving the capital on the balance sheet (We'll show you exactly how, and the tax code)
Industries Best "Benefits Admin System" FREE (your HR Department will love this)
Employee Impact:
Implement additional Employee Benefits that dramatically decrease employee turnover:
(Employee Benefits Portal included for Free, or add to your own)
$100,000 Employee Owned "Cash Value" Whole Life Policy (No additional Net Costs to Employer or Employee)
360 Wellness Program (We'll show you how this reduces Workers Comp Premiums & Claims 20% - 50%)
$200 Restaurant Voucher (Gift from you as the Employer. Employee pays small activation fee )
$500 Cash Credits (Gift from you as the Employer. No activation fee)
Complimentary Vacation for 2 (Gift from you as the Employer. Employee pays small activation fee)
Up to 60% off Market Rates via the Impact Health Share Comprehensive Medical Plans (employees not on your current group plan)
Significant discounts on existing monthly expenditures (Mobile, Gas/Electricity, High Speed Internet, Television, Security, Identity Protection, Travel)
Options for "Key Employee" Executive Bonus Plans a.k.a. "Golden Handcuffs"
The Consultation Is FREE. Why not have a conversation discussing an executable plan and details on how you can increase your Revenue, Profits, Reducing Employee Turnover, while Increasing Employee Retention/Acquisition?
Learn How To Keep More of Your Money, OR Give It To The Government To Do More of This....
U.S. Taxpayers pay $451 Billion per year for housing and care of illegal migrants
Chip Roy Rips Janet Yellen's Claims About Spending And Taxes To Shreds
Billions of Taxpayer Dollars Funneled To Biden's Green Agenda
How Taxpayer Money Is Wasted
In The United States
$900 Billion waste. Taxpayers wouldn't believe where their money goes.
OUR SERVICES
We've partnered with the most experienced Attorneys, CPAs, and a Managing General Underwriter to provide unmatched services, and cost savings to our Employer Group clients. Furthermore, if you're evaluating an exit, our CPA Firm can provide Industry Market Analysis, Value Enhancement Strategies typically reserved for large businesses, and buy/sell representation.
Visit our pages below to get more details about each service.
WORKERS COMP AUDITS
Identify & Rectify Overpaid Premiums
WORKERS COMPENSATION
Save 20% - 40% on Premiums/Claims
EXECUTIVE BONUS PLANS
Section 162 | Split Dollar Plans
PROF. ATHLETES & COACHES
Split Dollar Compensation Plans
EMPLOYER GROUP HEALTHCARE
Save 30% - 50% on Group Plans
EMPLOYEE GROUP HEALTHCARE
Save Up To 50% on Comp. Medical
EMPLOYEE RETENTION TAX CREDIT
#1 Tax Law Firm in ERTC space.
No Upfront Fees. Free Consultation.
UP TO $250K BUSINESS CREDIT
No Income Tax or Income Verification. The Ultimate Leverage.
MERGERS & ACQUISITIONS
Industry Market Analysis, Value Enhancement, Buy/Sell
TESTIMONIALS
THE FUTURE OF WELLNESS & FINANCIAL LITERACY
3000+ satisfied clients Nationwide. Here’s what they’re saying.
Below is a small sample of testimonials that we hand picked to demonstrate the diversity of our client's industries. For additional client testimonials, click below to view thank you letters from our clients.
Tom Harkin, Former United States Senator
"America's health care system is in crisis precisely because we systematically neglect wellness and prevention."
Andrew Saul, Former Commissioner of the United States Social Security Administration
"We need total health more than medically approved health.
Our wellness should not be limited to our doctor's experience, but enhanced by our own experience."
Jim McCrery, Former United States Representative
"Reducing health cost and increasing access to health care are worthy goals that every Member of Congress should support."
Client: Sierra Health + Wellness Centers
- EMPLOYEES: 80+
- INDUSTRY: Behavioral Health Rehab Centers
- HOW WE HELPED: 360 Wellness & Employee Benefits Integration | Workers Comp Audit/Refund | Workers Comp Premium Savings
- FROM THE CLIENT: “From the start, your team's dedication and professionalism have set you apart. The financial savings you've generated will pave the way for ambitious growth initiatives that were once out of reach. Your commitment to our success has fostered trust and collaborations that's rare in today's business world. Our experience with the 360 Wellness and Workers Comp has been invaluable. The addition of this comprehensive wellness package was a strategic move, driving a safer work environment and resulting in substantial workers comp savings.”
Client: Six Flags Great Escape
- EMPLOYEES: 200+
- INDUSTRY: Destination & Tourism
- HOW WE HELPED: $70,000 refund from State Insurance Fund
- FROM THE CLIENT: “I just wanted to take a moment to thank you and your staff on a job well done. You helped us get a significant refund of over $70,000 back from the State Insurance Fund. This refund would have fallen through the cracks if not for your involvement. The way your firm handled the matter, was in my opinion extremely professional. You are obviously experts at what you do. I am very pleased with your company and would gladly recommend your services.”
Client: Acacia Network
- EMPLOYEES: 2,700+
- INDUSTRY: Community Outreach
- HOW WE HELPED: Secured a refund on policies that totaled over $150,000!
- FROM THE CLIENT: “The Workers Compensation manual rules are extremely complex. It is through your expertise and extensive knowledge in the rules, that we were able to recoup monies that was rightfully ours. As promised, your highly professional staff did most of the work and we reaped the benefits. This is a service that every business should sign up for. I would highly recommend your services.”
Client: Casey's Truck Salvage World, Inc.
- EMPLOYEES: 20+
- INDUSTRY: Vehicle Service
- HOW WE HELPED: Salvaged $50,000 from State Insurance Fund
- FROM THE CLIENT: “Your persistence paid off as we received a refund of over $50,000 from the State Insurance Fund. I had no idea that such substantial premium refunds could be achieved with such little effort on our part. You are obviously an expert in what you do and in tune with the nuances in the policy. Thank you again for your unbelievable work!”
OUR TEAM
We've put together division heads that are the best of the best, experts in their crafts.
120+ years of combined experience, and we're excited to have the opportunity to serve your business.
Executive Board Members
Our Executive Board is comprised of the most dynamic and experienced professionals within the tax law, health & wellness, and commercial insurance underwriting and issuance spaces. We're very fortunate to have put together a Team that carries the collective drive to see American business owners keep more of their money, and create massive change in the Health & Wellness of the American workforce.
Mathew Yates - Chief Executive Officer | Board Member | Visionary
Mr. Yates is the visionary that sought to put together the most dynamic Team in the Employee Benefits, Health & Wellness, Life Insurance, & Financial space that collectively offered services that will have a multi-billion dollar impact on American Business Owners and their employees. With 20+ years of Financial, Insurance and Leadership experience, Mr. Yates has been a dynamic leader in seeking out the best of the best, and putting them in a high functioning and productive Team environment. Mr. Yates has a skillset for taking a broad look at the impactful and immediate needs of business owners that he and his Teams can solve.
Mr. Yates was quickly able to recognize that Workers Comp, Group Healthcare Costs, and Taxation have been on a dramatic rise. Furthermore, employee retention & recruitment are more important than ever. Mr. Yates took the first steps to seeking out the best of the best in these spaces, asking questions, digging deeper, and looking for solutions that would fit the needs he saw.
Vision: Help business owners put over $35 Billion back in their pockets by 2030, and impact over 4 million employees.
Peter Karl III - Chief Compliance Counsel | CPA/Attorney/Partner
Professor of Taxation at New York University (NYU) State University of New York (SUNY)
Certified Public Accountant At Large Board
Partner at Paravati, Karl, Green & DeBella, LLP
Member of the American Association of Attorney-Certified Public Accountants
Member of the Editorial Board of the CPA Journal
The CPA Journal has published 18 of Peter Karl's works in the "20 questions" series
Peter Karl III currently holds a record 86 - 0 against the IRS.
Peter Karl III, an honors graduate of the University of Notre Dame, has conducted over two hundred and fifty seminars nationally and has authored several manuals on the subject of taxation. Sponsoring organizations for his seminars include numerous professional associations from Atlanta to Alaska such as solo sixteen-hour presentations before the North Dakota Society of CPAs over two days in October 2012 and the Iowa CPA Society in October 2013.
The CPA Journal has published thirteen of his works (the “20 Question” series) as featured articles including a cover story one on the topic of Elder/Estate Planning and another in their September 2013 Financial Planning issue on the use of Delaware Trusts for asset protection. These articles are accessible on the Journal's website www.cpajournal.com using the author's name in the search box.
He is the author of an informational web site on IRC Section 1031 exchanges, www.1031exchangetax.com. and has been published more since then. Since 1989 Karl has been on the faculty of New York University (NYU) where he has periodically presented eight-hour seminars for their National Real Estate Institute.
He is also tenured as a Professor of Taxation and Law for the State University of New York (SUNY). For the past seven years Karl has been a member of the Editorial Board of the CPA Journal. He is certified as a Hearing Neutral by the American Arbitration Association, conducting arbitration hearings on commercial matters throughout the Northeast. Karl is a member of the American Association of Attorney-Certified Public Accountants for whom he served as an at large Board Member. Besides specializing in transactional law, his practice includes tax/legal consultations to realtors, accountants and attorneys throughout the country in such areas as Section 1031 deferred real estate exchanges, estate/trust planning and asset protection.
A.G. Crowe - Legislator | Retired State Senate Leader | Visionary
One of seven children, A.G. grew up in the public housing projects of the Ninth Ward in New Orleans, the son of a waitress and a plumber. He worked his way through high school and college and was the first in his family to attend and graduate from college with a Bachelor of Science in Business Administration from Southeastern Louisiana University.
After many years of success, and rapidly moving up the corporate ladder working for national and international companies, A.G. and his wife Linda decided to move back home to St. Tammany Parish to raise their family.
He opened his first small business, St. Tammany Office Products in Slidell in 1982 and immersed himself in community activity and service. He served on the St. Tammany Parish School Board and took Senator John Kennedy’s lead and became a certified substitute teacher.
In 2002, A.G. founded The File Depot in Slidell, Louisiana, specializing in secure records management and archiving services. In 2014, he converted it into a national company, which today has numerous locations in twelve states and is still growing. The File Depot, LLC, was the only nationally franchised records management company in the nation offering confidential records storage, retention, consulting, shredding/disposal, and cloud services. After many years as CEO and President, A.G. retired in 2016 from The File Depot and sold his majority interest to his partner. In 2017, A.G. founded Shop Local USA, a company established to support local and small businesses. This new web-based venture has proven to be extremely popular, with expectations to expand nationwide. Check out www.shoplocalusa.com for more details and how it’s helping local businesses.
In March of 2020 during the pandemic, A.G. teamed up with Josh Picou and founded Malady, a medical technology and testing platform that provides preventive healthcare strategies designed for people to know their health through a 50-panel biomarker blood test. Test kits are offered direct to consumer throughout the US utilizing a network of phlebotomists that collect and send the samples to their local lab partner.
In 1999, A.G. ran for public office and was elected to the Louisiana House of Representatives and was re-elected in 2003. He was then elected to the State Senate in 2007 and reelected in 2011. He has served/chaired several Senate committees including Labor & Industrial Relations (Chairman); Commerce, Consumer Protection, and International Affairs (Vice-Chair) Environmental Quality; Retirement, Senate Select Committees; Coastal Restoration and Flood Control; and the Oversight Committee of the Gulf Coast Claims Facility. He took the lead throughout his legislative tenure, fighting for Louisiana families and businesses. He led the way for job-creating legislation and pushed for higher pay for our teachers. He has the most conservative voting record when it comes to family values, taxes and protecting our most vulnerable--the unborn. As a legislator, A.G. has received numerous awards including the prestigious Gladiator Award presented by the Louisiana Family Forum for achieving a 100% voting record for family value issues for 10 straight years. As State Senator, A.G. authored legislation to establish the Louisiana International Gulf Transfer Terminal. A $9.2 billion project to construct a deep-water port just east of the Southwest Pass, it is projected the terminal will provide over 34,000 jobs to Louisiana residents. As President of the Authority for 10 years, A.G. has headed the effort to complete the project, which will provide a positive economic impact in 32 states along the Mississippi River and its tributaries. The port will be instrumental in the eventual development of an all-new supply chain connecting South, Central and North America.
A.G. and Linda met at Southeastern Louisiana University and have been married for 50 years. Linda is a retired kindergarten teacher. They have 2 children and 7 grandchildren. Both are active in their communities with Rotary, their church, and numerous other community organizations. Linda served as President of the Louisiana Legislative Spouses Auxiliary, President of Inner-Wheel, a Phi Mu Fraternity member, and is a life member of Junior Auxiliary. A.G. is an ordained Deacon at First Baptist Church in Slidell. His hobbies include family, fishing, music, horses, working the land on his tractor and helping others in need.
Nino Pedrini - Chief Executive Officer | Visionary
Nino Pedrini has over 45 years of diverse industry experience, with proven accomplishments in formulating the vision and structure of successful companies. He is also an Owner, Chief Operating Officer and Managing Partner who has been recognized as a results oriented leader and for his entrepreneurial vision and spirit.
Prior to forming Brain Health Restoration, Nino, who also leads the Capstone Group of Companies, was affiliated with Duncanson & Holt, a New York-based reinsurance managing underwriting firm, that specialized in life, accident/health, property/casualty, marine and aviation.
From 1982 to present, he and business partner Bob Baratta co-founded and have operated the Capstone Group of Companies. Together, they were responsible for forming the first self-funded Employee Retirement Income Security Act (ERISA) health programs nationally. As lead reinsurer, they initiated and supported programs for managing general agents, managing general underwriters, insurance carriers, third-party administrators and other reinsurers nationally. They built a national managing general underwriting firm, which developed and managed over $100 million of revenue. Additionally, they created the first long-term care specialty company that provided actuarial, underwriting and consulting services to the insurance industry, all while developing products for entry-level carriers and providers, which resulted in managing over $500 million dollars of long-term care premiums.
Nino has a proven record of accomplishments in formulating management strategies and objectives specific to managing underwriting, overall administration and reinsurance risk pool management. He has been responsible for all marketing and strategies, both nationally and internationally; he has been instrumental in product development and enhancement, administrative systems, and development of overall corporate management and infrastructures. He has been instrumental in creating cross-functional initiatives to achieve corporate goals, consistently demonstrating competency in leadership, management, strategic planning and execution, marketing and profit optimization.
Nino has also spearheaded mergers, acquisitions and their associated integrations, and he has repeatedly created strategic measures with organization leaders to effectively align with and support key business initiatives – all while building and retaining high-performance teams.
Bob Baratta - Chief Financial Officer | Visionary
As Chief Financial Officer of Brain Health Restoration, Bob Baratta brings a proven record of accomplishments with more than 55 years in all areas of the insurance and reinsurance industries. In formulating the vision and structure of successful companies, he has been instrumental in the development of marketing strategies and product development. He has also been involved with enhancing administrative systems, including the development of overall corporate management and infrastructures.
Bob began working in the insurance industry in Chicago at Continental Casualty Company as an agent in their division for special risk. Later, he joined American Home Assurance Company (AIG), serving as the Chicago Branch Manager and finally National Sales Manager out of the home office in New York City. While in New York with AIG, Bob was contacted by the owner of newly formed Duncanson & Holt, the American Accident Reinsurance Group, to become their fifth employee and to expand their facility west of the Mississippi. While at Duncanson & Holt, he was a shareholder and held positions as San Francisco Branch Manager, Western Regional Manager and Senior Vice President overseeing national sales.
From 1982 to present, he and his business partner Nino Pedrini co-founded the Capstone Group Companies, which is the parent company of Brain Health Restoration. Together, they were responsible for forming the first self-funded ERISA health programs nationally. As lead reinsurer, they initiated and supported programs for managing general agents, managing general underwriters, insurance carriers, third-party administrators and other reinsurers nationally. They built a national managing general underwriting firm, which developed and managed more than $100 million of revenue. Additionally, they created the first long-term care specialty company that provided actuarial, underwriting and consulting services to the insurance industry all while developing products for entry level carriers and providers, which resulted in managing more than $500 million dollars of long-term care premiums.
Bob’s experience in all levels of senior management from financial planning, underwriting and national sales prepared him to develop this cadre of entrepreneurial-focused companies, among them, Brain Health Restoration.
Terryl Matt - Attorney for Glacier County Blackfeet Nation & Assiniboine Tribe
Ms. Matt has been a practicing attorney for over 23 years. Ms. Matt advises us on efforts to further our relationships with Tribes all across the United States that own Casinos, and their employees. Ms. Matt sees the value in our 360 Wellness Program, especially the Mental Health component. She is extremely passionate about providing Wellness and Mental Health resources to the Tribes all across this great country. She's an invaluable asset to us.
Life/Health Insurance Division
Meet our Executive Team responsible for deploying our very unique programs surrounding Workers Comp, 360 Wellness Plan, Group Health Plans, Section 162 & Split Dollar Executive Bonus Plans, Keyman Insurance, and so much more.
Interested in learning more?
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Impact Health Share Division
Meet our Executive Team responsible for growing Impact Health Share to over 1 Million Members Nationwide, and being the fastest growing Health Share Non-Profit Organization in the World.
Interested in learning more?
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Employee Retention Tax Credit Division
Jennifer Surmacz is the Principal Tax Attorney for the #1 Tax Law Firm in the ERTC space.
Her Team of dedicated Lawyers and CPAs have navigated the extremely complex tax codes surrounding the IRS Guidelines on this program for thousands of businesses.
The results have been Billions of dollars into the hands of our Nation's businesses.
Interested in learning more?
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Mergers & Acquisitions Division
Meet the secret weapons of the M&A world, and 2nd generation experts, Mr. David and Mark Scott.
Taking over from Father Rick Scott (1944-2015), brothers David and Mark Scott have provided enhancements to their firm principles and values. In your M&A journey you want to a Team with "GRIT". One that will display courage, resolve, resilience, and strength of character. Their unique and invaluable strategies set them apart from other firms, especially in the arena of Industry Market Analysis, and Value Enhancement Strategies.
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Get In Touch
This is not an offer to sell a security or insurance product. This information is provided for informational purposes only and should not be construed as legal or tax advice. You should discuss your circumstances with a financial professional before making any decisions. This material and the opinions voiced are for general information only and are not intended to provide specific advice or recommendations for any individuals.
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