👔 Employer Benefit Solutions

Protect Your Team. Reduce Taxes. Strengthen Your Business.

At The C & R Group, LLC, we help employers go beyond standard offerings and build strategic, tax-efficient benefit packages that attract and retain top-tier talent. Whether you're a startup scaling fast or a small business expanding your team, we create solutions that serve both your employees—and your bottom line.

Led by Dr. Jose G. Cardenas, a retired U.S. Army Finance Officer and business strategist, we deliver leadership-level insights and white-glove service to ensure your business stays competitive, compliant, and built to last.

🔍 What We Offer

• Custom-Tailored Employee Benefit Packages
  Build affordable, tax-deductible plans that include life, health, dental, vision, disability, and more—structured to your team’s needs.
• Executive Bonus Plans (IUL-Based)
  Offer top-tier employees or partners a tax-advantaged retirement benefit using Indexed Universal Life Insurance. These plans help attract and retain leaders while also building long-term loyalty.
• Key Person & Leadership Protection
  Secure your organization by protecting the people who drive your revenue and culture. Key person coverage ensures continuity and confidence.
• Voluntary Supplemental Benefits
  Give your employees the option to add additional protections like accident, critical illness, or cancer insurance—at no extra cost to the business.
• Owner & Partner Retirement Integration
  We help you build benefit structures that also protect your personal retirement plan and exit strategy.
• Onboarding Support & Employee Education
  We’ll support enrollment, communication, and benefit walkthroughs so your team feels confident using what you offer.

💡 Why Employee Benefits Matter

In today’s hiring climate, employees value benefits as much as salary—and a great package can make all the difference in:

• Reducing turnover and training costs
• Improving morale and retention
• Attracting high-performing talent
• Increasing productivity through peace of mind
• Legally reducing taxable income for your business

🎯 Who We Serve

• Small to mid-sized businesses (3–100+ employees)
• Dental, medical, veterinary, and wellness practices
• Real estate brokerages and investor groups
• Law firms, CPAs, and consultancies
• Veteran-owned businesses and partnerships

📘 Included Resources

All employer clients receive:

• A copy of Dr. Cardenas’ book:
  Insurance Essentials: Protecting Your Finances and Future
• Access to the Business Owner’s Benefit Strategy Workbook (in development)
• Annual review and benefits optimization session

📌 We don’t just help you offer benefits—we help you turn them into a competitive advantage.

📞 Want to offer better benefits and reduce your tax burden?
Let’s build a custom solution that supports your people and protects your business.

👉 Schedule Your Employer Benefits Strategy Session Today