Ten Point Financial Group
For Employers
Employee Benefit Plan
More take-home pay for your team.
Less payroll tax for your business.
No fees for the business.
For Banks
Bank-Owned Life Insurance
Your BOLI was a good decision.
Is it still a good policy?
We compare it to today's market, so your team decides with real numbers.
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What We Do
Where Taxes, Benefits and Insurance Overlap
We help businesses with revenue-positive tax strategies. We show you the numbers first, alongside your CPA. Then you decide.
For employers
Employee Benefit Plan
More take-home pay for your team and less payroll tax for you. No fees for the business.
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For banks
BOLI Review
An independent check of your bank-owned life insurance against today's market. No change of agent needed.
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For companies
COLI Review
A fresh look at the life insurance your company owns on key people, and where new coverage fits.
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Start with a question
Start with a question
Start with a question
For Employers
More take-home pay for your team. Less payroll tax for you.
A benefit plan your team pays for with money they were already losing to taxes. They take home more. Your business pays less payroll tax.
1
The plan comes out before taxes
It runs through a Section 125 plan, the same part of the tax code that lets workers pay for health insurance before taxes.
2
Less taxable pay means less tax
Your team pays less income tax and FICA. Your business pays less FICA too.
3
The tax saved pays for the benefits
What is left over shows up as more take-home pay.
What your business gets
Less payroll tax. About $1,186 a year for each worker on the plan, in our example.
No fees. There are no fees for the business.
Nothing to replace. It sits on top of the health plan you have.
We do the setup. We work with your payroll company. Any payroll system works.
What your team gets, at $0
- Unlimited video doctor visits, primary and urgent care
- Unlimited video counseling
- One full lab test each year
- In-person preventive care: physicals, screenings, exams and shots
- Covered prescriptions at 65,000+ pharmacies
- Plus one benefit they pick: dental or vision
Covers up to 6 family members. This is not major medical. It does not cover hospital stays or diagnostic care. That is why it adds to your health plan instead of replacing it.
What it looks like on a paycheck
Example: a worker making $45,000 a year, paid monthly.
| Before | With the plan | |
|---|---|---|
| Gross pay | $3,750.00 | $3,750.00 |
| Taxable pay | $3,750.00 | $2,457.00 |
| Taxes | $952.51 | $624.08 |
| Net pay | $2,797.49 | $2,871.92 |
The worker gets $74.43 more take-home pay each month. The business saves $98.91 a month in FICA savings, $1,186.97 a year.
Illustration only. Assumes $45,000 a year paid monthly, 12% federal, 5.75% state (Virginia), 6.2% Social Security and 1.45% Medicare. Plan cost is pre-tax; the voluntary benefit is after-tax. Your numbers depend on your team.
Who it fits
- 10 or more W-2 workers. Almost any kind of business, except restaurants where tips are most of the pay.
- Full-time workers earning $26,000 or more a year. A part-time version fits workers who earn less.
- C-corp owners can join. Sole owners, partners and S-corp owners with more than 2% cannot (Section 125 rules).
- Before go-live we run a test payroll. Anyone whose take-home would go down is left out.
How long it takes
Sign and hold a short kickoff call by the 1st. Your team gets 30 days of education. The plan goes live on the 1st of the next month.
Not the right fit? We have another option: ProfitGuard Plus.
Illustration only. Not tax or legal advice. Talk to your CPA or benefits attorney about your business. This plan is not major medical coverage and does not cover hospital stays or diagnostic care.
Who This Is For
If You Run Payroll, This Is Built For You
Business owners with W-2 employees
You pay payroll tax on every check you write. Our employee benefit plan lowers that bill and puts more take home pay in your team's pocket at the same time. There are no fees for the business. We work with clients nationwide, so it does not matter where your business sits.
Firms whose clients are business owners
We work alongside these firms, we do not replace them. You keep the relationship. We handle the piece you do not do.
- Payroll processors
- Health insurance brokers
- PEOs
- P&C insurance agencies
- CPA and tax firms
Take the one page with you
One printable page for owners: how our employee benefit plan works, what it saves, who qualifies, and what setting it up looks like. No email needed.
Independent
We work for you, not a carrier
Education First
We teach. You decide.
50
States Licensed
Free
Every Consultation
Employee Benefit Plan
Our lead offer for W-2 employers. Your team takes home more, your business pays less payroll tax, and there are no fees. ProfitGuard Plus is another option when it fits better.
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Business Tax Strategy
Most owners overpay because nobody ever showed them the code. We look at how you're structured, how you pay yourself, and how you cover your people, then show you what it costs you.
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Private Health
Self-employed, or a small team with no benefits? Private coverage often costs healthy families far less than the marketplace. We compare both routes for you.
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Infinite Banking
Use a specially designed whole life policy to become your own source of financing — borrow against your cash value for the business while it keeps growing.
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Life Insurance
From term coverage to whole life that builds cash value — we calculate what your family needs, shop the carriers, and show you real options with real prices.
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Retirement Planning
Income strategies built to last through market ups and downs — including annuities that protect your savings from market drops and pay you a check you can't outlive.
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Estate Planning & Trusts
Wills, trusts, and the documents most families forget. We help your assets pass the way you intend — privately, and without the probate wait.
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Medicare Planning
Turning 65 or reviewing your plan? We compare Advantage, supplements, and Part D across carriers, then walk you through what each one really covers. Our help is free.
Learn More →
Since day one
“Built on trust. Driven by legacy.”
Who We Are
A family committed
to your family
Anthony Buck
Founder & Owner
At Ten Point Financial Group, we believe financial planning is personal. We're not just another firm — we're a family that understands what it means to protect what matters most.
Our mission is to educate, empower, and guide families across the country toward financial security — from your first retirement conversation to the legacy you leave behind.
Out in the community
Where you will actually find us
Chamber mixers, networking nights, and a lot of coffee with business owners. Come say hello.
