TEN POINT
Financial Group
(586) 899-1003

For owners with full-time W-2 workers

Pay less payroll tax. Give your team more.

See what your business could save each year. Then we walk you through your real numbers on a call.

Get My Savings Estimate

Built on IRS code. Checked by CPAs and ERISA attorneys.

Your savings estimate

Step one is just your head count. No contact info needed to see your number.

ProfitGuard Plus

See your savings estimate

Type in how many W-2 workers you have. You see your number right away.

What you get

Money back to the business

About $600 a year in payroll tax savings for each worker who joins.

More for your team

About $1,400 a year in health benefits for each worker who joins. No cut to take home pay.

Real care, all year

Care by phone or video at any hour, mental health help, health checks and coaching for the whole family.

A call to walk it through

We run your real numbers and go over them with you. Then you decide.

How it works

  1. 1

    See your number

    Type in your head count. Your estimate shows up right away.

  2. 2

    Get your real report

    Send us a payroll report. We build your savings report and go over it with you on a call.

  3. 3

    We do the setup

    We handle the plan papers, payroll and sign up. It takes 30 to 45 days, and we run a test payroll first.

Is this legit? Good question.

  • It is built on IRS code sections 125, 105, 106(a) and 213(d). These rules have been around a long time.
  • CPAs and ERISA attorneys check the plan documents before any plan goes live. Your own CPA can read them too.
  • Some plans pay for gift cards or step counts. The IRS has warned about that. This plan pays for real medical care.
  • It sits next to your group medical plan. It does not replace it.

Questions owners ask

Who is this for?

Businesses with full-time W-2 workers who earn about $17,000 a year or more and have health coverage. Any industry.

What does it cost the business?

No added net cost. The tax you save is what pays for the plan.

Do we have to change our health plan?

No. It sits next to your group medical plan.

Will my team take home less pay?

No. There is no cut to take home pay.

See what your payroll could save.

It starts with one number. You see your estimate first. Then you choose what comes next.

Not financial or tax advice. Talk to your CPA or benefits attorney about your business.