Routine Care Without the Deductible Wall
Employees get access to day-to-day medical support for common needs—without waiting for a high deductible to clear.
🛡️ Our Solutions Co-Exist Seamlessly with Your Current Health Insurance Plan.
Navigator Strategy
Steady at the Helm.
Stop the Cash Leak in Every Payroll Cycle.
It's not new money. We help identify capital already leaking out through payroll taxes and keep it with your business and employees instead.
For the Employer
Save $573.60 annually in FICA taxes per enrolled employee.
For the Employee
Increase net take-home pay by up to $300/month with zero out-of-pocket costs.
Zero Disruption: Layers alongside your current health plan and existing payroll provider.
Is Your Business a Fit?
We design cash flow recovery blueprints for business owners who meet these criteria:
- You have 5 or more W2 employees.
- You currently pay matching federal FICA payroll taxes.
- Cash flow gets tight, or health insurance renewals climb again every single year.
- Good employees are getting pulled away by competitors offering better benefits or pay.
What Could FICA Recovery Mean to Your Bottom Line?
Potential Annual Employer Payroll Tax Savings:
50 Employees
Up to $28,680 / year
100 Employees
Up to $57,360 / year
250 Employees
Up to $143,400 / year
Potential savings depend on employee eligibility and participation.
Stop Fighting the Surging Tide of Rising Premiums
Major medical renewals climb higher every single year, yet most business owners accept annual rate hikes as an inevitable cost of doing business. Major Medical is critical for catastrophic events, but massive deductibles leave employees unable to afford day-to-day care.
We introduce the CHAMP Plan™—a specialized “Minor Medical” strategy designed to sit alongside your current coverage.
Layers Alongside Your Plan
You keep your existing major medical coverage and payroll provider. CHAMP Plan™ supplements—never replaces—what you already have.
We Shield Your Core Policy
By directing employees to utilize CHAMP first for routine care, you offload primary claims away from your major medical policy.
We Curb Premium Hikes
Fewer day-to-day claims on your primary health policy today actively prevent rate spikes tomorrow.
We Shift to Proactive Care
Instead of passive insurance employees are afraid to use, your team gets zero-barrier, daily health benefits.
The Proof
What Employees Get
When the plan works, people feel it in their paycheck and in the care they can actually use—without disrupting major medical.
Higher Take-Home Pay
Pre-tax structuring can increase net take-home pay by up to $300 per month for enrolled employees—with zero out-of-pocket costs.
Benefits They Actually Use
Zero-barrier wellness and minor medical access turns a neglected policy into a daily retention advantage.
No Disruption to Major Medical
Their primary coverage stays intact. CHAMP Plan™ sits alongside it—never replaces it.
$573.60
Employer FICA savings / enrolled employee / year
Up to $300
Extra employee take-home pay / month
$0
Employer net cost when structured correctly
Asset Recovery
Search for Personal Unclaimed Property
Billions of dollars in forgotten funds sit with state unclaimed property programs—old bank accounts, insurance proceeds, payroll checks, utility deposits, and more. MissingMoney.com lets you search for personal unclaimed property that may belong to you or the people around your business.
Check for the business owner, executives, employees, or family members. The search is free, official, and takes only a few minutes.
- Search by name across participating state databases
- No fee to look up personal unclaimed property
- Useful for owners, executives, employees, and family members
Frequently Asked Questions
Straight answers to the objections that usually come up first.
Will this disrupt our current health insurance plan?
No. Our solutions co-exist seamlessly with your current health insurance plan and existing payroll provider. We layer alongside what you already have—we never ask you to rip and replace.
What does the employer actually save?
Employers can save $573.60 annually in FICA taxes per enrolled employee. At scale, that can mean tens of thousands of dollars returned to cash flow each year—depending on eligibility and participation.
What do employees get out of this?
Enrolled employees can increase net take-home pay by up to $300 per month with zero out-of-pocket costs, plus access to day-to-day minor medical support without waiting on a high deductible.
Is there an upfront fee to evaluate fit?
No. Start with a compatibility check. If your business meets the criteria, you’ll leave the conversation with clear numbers—not a hard sell.
What is the MissingMoney.com search for?
It’s a free national search for personal unclaimed property. Owners, executives, employees, and family members can check whether funds or assets are being held in their name by state unclaimed property programs.
About
A Steady Hand for Operators Who Need Clarity
Phil founded Navigator Strategy to help business owners reclaim cash already leaking through payroll taxes—without disrupting the health plan and payroll systems that keep the ship upright.
His work sits at the intersection of payroll tax strategy, employee retention, and practical implementation. The mandate is simple: prove the numbers, keep disruption at zero, and make the next step effortless.
No bait-and-switch. Just a compatibility-first conversation about whether the strategy belongs on your books.
Ready for a Compatibility Check?
Tell Phil a little about your headcount and payroll setup. If you're a fit, you'll leave the call with clear numbers—not a hard sell.
phil@navigatorstrategy.com