MREmployer Savings Advisor
Matt Ragudo
Benefits consultant for business owners, and for the fractional CFOs, CPAs, controllers, and payroll people who sit with them.
If the company already has a health plan and cost is the complaint — or renewal is coming — that's the door.
The work
A company heading into renewal should have a strategy, not a sales-first quote guy.
I listen. Then I structure the plan they already have so cost doesn't eat growth. Full package. Not a quote shopper. Not a level-funded vs. self-insured pitcher.
I want to find what they want benefits to do for the team. I work with the person, not the business.
Who this is for
Owners, and the people who sit with them
Business owners
You already have a health plan. Cost is loud. Renewal is on the calendar. You need a strategy for the plan you have, not another quote.
CFOs, CPAs, controllers, payroll
Fractional or in-seat. You hear the same complaint. Bring me to the person. I work with them, not around them.
Proof
One case
$88,689
That's the number from structuring the plan they already had. One case. No client names.
Matt
Licensed. Austin area. Relationships first.
I'm a licensed insurance professional based in the Austin area. If we work together, we work together as people.
I was part of a shop that treated operations like a drag when things got hard. Later, it dissolved and came back without me. The hard lesson was that I trusted the wrong person. That's part of why I work the way I do now. I would rather listen, understand how things actually run, build strategy, and walk in with a plan of action.
I spent three years in Fukuoka, Japan on the JET Programme. Living somewhere that different taught me to slow down, pay attention, and not assume I already know what someone means.
The gym has been part of my life since I graduated high school. I was an overweight kid, and training still keeps my mind focused on who I don't want to be and who I do want to be. It's not a brand. Just a steady habit that keeps me clearheaded and present for the work.