Making Employee Benefits Simple
Clear, unbiased information about Section 125 plans, FICA savings, and supplemental benefits. Free for everyone who wants to understand how to maximize employee value.
Our Mission
We believe every organization deserves access to clear, unbiased information about employee benefits. Too many companies miss out on legitimate tax savings and better benefits because the information is buried in jargon, gated behind sales calls, or spread across dozens of confusing sources.
Benefits Genius exists to change that. We've built a free, comprehensive resource that explains Section 125 cafeteria plans, FICA tax savings, fixed indemnity insurance, and supplemental benefits in language that makes sense. No hidden agendas. No pressure. Just honest education.
Our Professionals
Benefits Genius partners with licensed professionals who've spent their careers helping organizations save money and improve coverage.
A licensed benefits professional who partners with Benefits Genius to help organizations implement Section 125 plans. David's background in healthcare technology and financial services gives him a unique perspective on how the right benefits strategy impacts the bottom line.
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Jerek partners with Benefits Genius to connect businesses with the right benefits strategies. He specializes in Section 125 implementation, FICA savings, and building broker partnerships that deliver measurable results for employers and employees alike.
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Real results from a real Section 125 implementation
Real Results, Real Savings
Hear how a Benefits Genius client saved $18,000 in payroll taxes by implementing a Section 125 plan. The process was simple, and the savings started immediately.
Get Your Free Savings EstimateWhat We Do
Education Hub
Free guides on Section 125, FICA savings, supplemental benefits, and how to structure a successful benefits program.
Free Tools
Calculators and assessments to estimate your savings, understand tax implications, and model different benefit scenarios.
Expert Resources
Downloadable guides specifically created for CFOs, HR teams, and brokers to implement benefits strategies.
Who We Serve
Benefits Genius is built for the professionals making benefits decisions. Explore content tailored to your role:
Our Partnership with Toves Financial Group
Benefits Genius partners with Toves Financial Group because we share the same goal: help businesses stop overpaying in taxes.
Toves Financial Group is a financial services firm founded by the Toves family, now based in Phoenix, Arizona. They bring a wealth management perspective to employee benefits, helping organizations understand how pre-tax strategies like Section 125 fit into the bigger financial picture.
David and Jerek Toves partnered with Benefits Genius because they kept seeing the same problem in the field: businesses paying more in payroll taxes than they needed to, simply because no one had explained Section 125 in a way that made sense. Their real-world experience implementing plans for employers of all sizes makes them the ideal bridge between education and action.
Everything on this site is free. The calculators, the guides, the comparison tools. We believe that when people have the right information, they make better decisions. And when you're ready to take the next step, our partners are here to help.
Disclosure: Fixed indemnity insurance is supplemental coverage that pays a fixed dollar amount for covered services. It is not major medical insurance and does not satisfy the ACA requirement for minimum essential coverage. It should supplement, not replace, comprehensive health insurance. We believe in full transparency so you can make the right decision for your organization.
Ready to Explore Benefits Options?
Start with our free tools and guides to understand what's possible for your organization.
Ready to see how much your company could save?
Connect with David Toves for a free, no-obligation consultation — or ask Sarah a quick question anytime.
