Financial Architecture for Employers

Benefits shouldn't just cost less. They should create more value.

Transform your benefits from a fixed expense into deployable capital; strengthening your people and your business.

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$4–5K
Avg. Savings Per Employee
40–50%
Lower Premium Cost
1
Integrated Financial System
100%
Get a Personalized ShapeUP Plan
Any Time
Switch Whenever You're Ready
Our Network

Trusted Benefits Partners

Aetna
Ambetter
Ambient TPA
Anthem
CareSource
Charles Schwab
Cigna
CMS
Delta Dental
Employee Navigator
Fidelity Investments
Gradient Investments
HealthCare.gov
iSolved
Kaiser Permanente
Messer Financial Group
Moda
OneAmerica
Premera Blue Cross
Premium Payment Manager
Select Health
UnitedHealthcare
Aetna
Ambetter
Ambient TPA
Anthem
CareSource
Charles Schwab
Cigna
CMS
Delta Dental
Employee Navigator
Fidelity Investments
Gradient Investments
HealthCare.gov
iSolved
Kaiser Permanente
Messer Financial Group
Moda
OneAmerica
Premera Blue Cross
Premium Payment Manager
Select Health
UnitedHealthcare
The Funding Shift

Same spend. Different destination.

Drag to explore how changing the funding structure can turn premium spend into deployable capital.

Traditional Model
Group Plan
$100,000
Premium Spend
Example Group / Year
Drag to explore
Traditional SHAPE
The SHAPE Way
Individual Platform
$0
Capital Created
Example Group / Year

Figures are illustrative, based on an example 20-employee group at $5,000 per employee per year ($100,000 total).

01

100% of the budget is consumed by premium.

The employer's benefits budget is committed to the traditional group plan. There is no meaningful capital left to redeploy elsewhere.

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The SHAPE Framework
Our System. Exclusively Yours.

SHAPE is a framework we built and refined in-house, developed at the intersection of health, retirement, payroll, and personal financial planning. It exists nowhere else. It connects every layer of financial wellness into one coherent strategy, and it is only available through OneAdvocate Financial.

One system. Every layer connected.

OneAdvocate integrates all five disciplines into one financial architecture designed around your people.

Why Timing Matters

You don't have to wait for renewal.

Enroll any timeNo renewal cycle required.
Savings start day oneNot at your next renewal.
Capacity is limitedWe onboard a focused number of clients.
Q4 fills up fastDon't wait for the busiest window.
What Clients Say
“

We were in a death spiral with our insurance costs until we found OneAdvocate. They saved us over $250,000 per year while giving our employees better coverage. Total game-changer.

Tyler
Indiana
“

We didn't realize how much we were overpaying until OneAdvocate showed us a smarter way. If I could reach through the phone and hug them, I would.

Mason
Indiana
“

Working with this team has been great. They are always helpful and quick to provide clear answers to any questions. Even though this was their first time working with an Alaskan business, they made the entire process smooth and stress-free.

Ilka
Alaska
“

I was approved, then when I went to pick up the Ozempic, not only was it $25, but that was for THREE months worth. Just wanted to share the good news!

Dawn
Indiana
The Path to Evaluate

A simple, four-step process.

01
Input
Executive Brief Delivered

Review the framework on your own schedule. No call required.

02
Analysis
Feasibility Study Produced

We model potential savings using your workforce data.

03
Review
Findings Walkthrough

We walk through what it means for your business.

04
Decision
Implementation Path

If it fits, we build the plan together. If not, we'll say so.

Take the Next Step

See the Structure.
Then Decide.

Everything starts with understanding how the model works.

In our Executive Brief, we break down the entire process from structural redesign to capital redeployment, so you can see exactly what a restructured benefits strategy looks like for your company.

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Investment advice offered through One Advocate Financial, an Indiana-registered investment advisor able to provide investment advice in states where it is registered, exempt, or excluded from registration. Content contained herein is for informational purposes only and is not intended and should not be construed as personalized investment advice or an offer for the purchase or sale of any security, insurance, or other investment product. Investments involve the risk of loss, including possible loss of principal. Please consult with a qualified financial, tax, accounting, or legal professional before implementing any ideas or strategies discussed here. Content provided may be obtained from sources believed to be reliable but cannot be guaranteed as to its accuracy or completeness.

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