Captives are often pitched as the silver bullet for rising healthcare costs, but as Ralph Weber and Phil Holowka reveal, the truth is a lot messier. In this no-fluff episode, Phil, COO of Complete Captive, breaks down the real story behind collateral, risk pooling, and why most brokers are doing their clients zero favors.
We dig into:
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Why collateral in most group captives is a trap
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How bad structuring leads to massive leakage
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What a clean, transparent captive should look like
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How employers can finally take control of claims and cash flow
This is a must-listen for CFOs, HR leaders, and advisors tired of opaque promises and bloated renewals.
👉 Book a free consultation with Ralph: https://bit.ly/3T6TUz0
Visit fixmybenefitsnow.com
Email ralph@thebenefitwhisperer.com
Call (832) 924-3330
Let’s keep pulling back the curtain.
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