Navigator Strategy
Navigator Strategy connects business owners with proven employee benefit, payroll, HR, compliance, operational efficiency, and financial recovery solutions.
Five ways we can help
Start with the challenge that matters most. Champion Health and TMTBSI are the primary business solutions; the resources below extend the toolkit.
Champion Health
Help employers address rising premiums while improving access to everyday medical and mental health support—designed to sit alongside current major medical coverage.
Explore Champion HealthTMTBSI
Reduce administrative work, improve accuracy, and strengthen compliance with modern payroll, HR, and human-capital-management tools plus hands-on support.
Explore Payroll & HRLifetime Navigators
A broader collection of practical resources and partners for owners who want to operate more efficiently.
Visit Lifetime NavigatorsBusiness Fund Recovery
Investigate unclaimed or overlooked business funds and get guidance through the recovery process.
Ask About Business Fund RecoveryMissingMoney.com
A free public search across participating state unclaimed-property databases—shared as a helpful resource only.
Search MissingMoney.comPriority One · Champion Health
Champion Health may help employers address rising health insurance premiums while giving employees more usable access to primary care, urgent care, prescriptions, preventive care, virtual care, and mental health support.
The Champ Plan is designed to sit alongside an employer's current major medical plan. Depending on eligibility and participation, an eligible Section 125 structure may help reduce employer payroll-tax liability and can increase take-home pay for enrolled employees.
Availability, eligibility, participation, plan design, provider access, and actual savings may vary. Potential outcomes are not guaranteed.
Request a Champion Health Compatibility ReviewPriority Two · TMTBSI Payroll & HR
TMTBSI provides payroll, HR, and human-capital-management solutions that help companies reduce administrative work, save time and money, improve payroll accuracy, strengthen compliance, and manage employees with modern workforce tools.
Additional resources
Lifetime Navigators
Lifetime Navigators is a broader collection of small-business resources and solutions for owners looking to operate more efficiently and uncover new value.
Visit Lifetime NavigatorsBusiness Fund Recovery
Businesses may have unclaimed, overlooked, or recoverable funds. Through Lifetime Navigators Financial Recovery Strategies, owners can investigate potential recoveries and get help navigating the process. No specific legal, tax, or recovery outcome is guaranteed.
Ask About Business Fund RecoveryPersonal Unclaimed Property
MissingMoney.com is a free personal unclaimed-property search resource across participating state databases. It is separate from Navigator Strategy's business fund recovery guidance.
Navigator Strategy is not affiliated with MissingMoney.com and does not receive compensation for sharing this free resource. Navigator Strategy does not manage claims submitted through that website.
Search MissingMoney.com
About Phil Hering
Phil helps business owners evaluate solutions without forcing unnecessary disruption. The goal is a clear fit assessment, plain-language explanations, and a next step only when it creates measurable value.
Contact
Phil Hering · Navigator Strategy
When you reach out, include company size, current payroll provider, current health-benefit challenge, and which solution you are interested in.
