What if your business could SAVE money and GIVE employees a raise—at the same time?
It’s not a fantasy. It’s called The CHAMP Plan, brought to you by The Policy Shop.

This innovative, IRS-backed employee benefit strategy helps you:

• ✅ Save $573.60 per employee in payroll taxes annually
• ✅ Boost employee take-home pay by up to $125/month
• ✅ Provide FREE access to digital wellness tools, telehealth, accident coverage & more
• ✅ Improve retention and recruiting—without raising your expenses

Here’s the magic:
 Using IRS Section 125 (cafeteria plan), The CHAMP Plan allows employees to redirect a small portion of their income pre-tax, lowering your payroll taxes and increasing their net pay. It’s a win-win for businesses and their teams.

👉 No new software
 👉 No changes to current health plans
 👉 100% compliant and confidential
 👉 Works great for companies with 25+ W-2 employees in hourly industries like home health care, manufacturing, food service, construction, staffing, and more

💡 Trusted by Domino’s, Dunkin’, Amazon, and Denny’s—now accessible for small and mid-size employers.

📊 Want to see how much you could save and how much your team could gain?

➡️ Get a free breakdown today:
 🔗 https://thepolicyshop.com/the-champ-plan/

#CHAMPPlan #EmployeeRetention #PayrollSavings #SmallBusinessTips #ThePolicyShop #WorkplaceBenefits #TakeHomePay #IRSSection125 #BusinessSolutions 

Welcome to Talk Money to Me, the show where we decode strategies that smart businesses use to boost financial wellness and retention.

Today, we're digging into one of the best-kept secrets in employee benefits: The CHAMP Plan.

What It Is
The CHAMP Plan is a compliant Section 125 pre-tax benefits program. It allows employers to offer supplemental healthcare benefits that employees don’t pay tax on — and it reduces employer payroll taxes. Yes, that means savings on both sides.

Why It Works
Unlike traditional benefits, the CHAMP Plan puts more money back in employees’ pockets — and business owners save thousands in payroll taxes annually. Plus, it’s easy to implement, and The Policy Shop handles the administration.

 It’s a true win-win: employees take home more, and you lower operating costs. The CHAMP Plan isn't just a benefit — it's a strategy.

https://thepolicyshop.com/the-champ-plan/

On this episode of Talk Money to Me, we’re comparing the CHAMP Plan to traditional group benefits — and the differences might surprise you.

Not Either/Or
First, a common myth: the CHAMP Plan doesn’t replace your current benefits. It enhances them. It’s a tax-advantaged overlay that boosts employee savings without raising premiums or changing your carrier.

Flexibility + Affordability
The CHAMP Plan is flexible, portable, and compliant with IRS Section 125. It’s also more affordable than most traditional benefit add-ons, especially for small businesses on a budget.

 If you’ve felt stuck choosing between costly benefits or cutting corners, the CHAMP Plan gives you the best of both worlds.

https://thepolicyshop.com/the-champ-plan/

Welcome to Talk Money to Me, where we break down the biggest financial questions in ways that actually make sense. Today’s episode? We’re diving into one of the most misunderstood tools in life insurance: Indexed Universal Life Insurance—or IUL for short.

What is an IUL? An IUL is a type of permanent life insurance that combines two key features: a death benefit for your loved ones and a cash value account that earns interest based on a market index—like the S&P 500. Here’s the twist: your money isn’t actually invested in the market. It’s linked to the performance of the index, giving you upside potential without direct downside risk.

How Growth Works Each year, your cash value can grow based on how the market index performs. Most IULs have a cap and a floor. For example, if your cap is 10% and the index goes up 15%, you earn 10%. If the market drops -20%, your policy might have a 0% floor—so you don’t lose anything.

Flexibility and Use Cases IULs offer flexible premium payments, potential tax-free income, and living benefits. People use them for retirement income, college savings, and even emergency liquidity.

So how does IUL really work? It gives you long-term protection, market-linked growth potential, and tax-advantaged income—all in one policy. Not bad for something that flies under most people’s radar.

https://thepolicyshop.com/our-policies/ 

Welcome to Talk Money to Me, where we unpack the financial strategies the wealthy don’t always talk about. Today, we’re revealing how high-net-worth individuals use life insurance to build and protect wealth.

Life Insurance as a Wealth Tool Permanent policies like IULs and Whole Life offer more than just a death benefit. They grow cash value tax-deferred, offer access to funds tax-free, and pass wealth tax-efficiently to heirs.

Bank On Yourself Strategy Many wealthy individuals use life insurance as a private bank—borrowing against their policies to invest in real estate, fund businesses, or create income without triggering taxes.

Generational Wealth Transfer Life insurance ensures a smooth, tax-advantaged transfer of wealth across generations. It’s one of the few tools that can bypass probate, avoid estate taxes, and keep money in the family.

You don’t need to be a billionaire to use these strategies. With the right structure, life insurance can be your secret weapon for building generational wealth.

https://thepolicyshop.com/our-policies/

This week on Talk Money to Me, we’re demystifying the setup process behind the CHAMP Plan — spoiler alert: it’s easier than you think.

Step-by-Step Setup
Here’s how it works: The Policy Shop handles plan design, documentation, employee education, and compliance. All you do is say yes, provide your census, and we take care of the rest.

Admin & Ongoing Support
We don’t just hand you a plan and walk away. The Policy Shop provides ongoing admin support, regular compliance checks, and clear employee communications — so your team knows exactly how it benefits them.

 Implementing the CHAMP Plan takes less than 30 days. Want to improve benefits and reduce payroll tax without hiring a benefits consultant? You’re in the right place.

https://thepolicyshop.com/the-champ-plan/

Today on Talk Money to Me, we’re talking about a life insurance feature that most people don’t even realize exists: living benefits.

What Are Living Benefits? These are riders or built-in features that allow you to access a portion of your death benefit while you’re still alive if you experience a critical, chronic, or terminal illness.

Real-Life Scenarios Imagine you’re diagnosed with cancer and can’t work. With living benefits, you can tap into your policy to cover expenses—without touching your savings or going into debt.

Why It Matters Living benefits turn life insurance into a financial lifeline. It’s not just for what happens after you’re gone—it’s protection for your quality of life now.

Life insurance that pays while you're alive? That’s the kind of modern protection more people need to know about.

https://thepolicyshop.com/our-policies/

Welcome back to Talk Money to Me!

How the CHAMP Plan translates to real dollars saved — for both employers and employees.

Employer Savings
Here’s the math: for every employee who participates in the CHAMP Plan, employers save an average of $500–$800 per year in FICA taxes. Multiply that by 20, 50, or 100 employees — you’re looking at serious annual savings.

Employee Advantage
Employees save on out-of-pocket medical expenses using pre-tax dollars — for everyday needs like doctor visits, prescriptions, mental health services, and more. That means their paychecks go further.

 Whether you’re trying to trim expenses or offer richer benefits, the CHAMP Plan delivers. And The Policy Shop is here to guide the rollout, step-by-step.

https://thepolicyshop.com/the-champ-plan/ 

Welcome back to Talk Money to Me. If you’ve ever wondered whether annuities are worth the hype, today’s episode is for you. We’re answering the big one: Can you really retire off an annuity?

What’s an Annuity? An annuity is a financial product that turns your money into a steady stream of income—often for life. It’s like a personal pension you create for yourself.

The Power of Guaranteed Income One of the most attractive features of annuities is the guaranteed lifetime income. Unlike the market, annuities don’t swing with volatility. You know what you’re getting month after month, year after year.

Retirement Planning Strategy Smart retirees use annuities to cover essential expenses—housing, food, healthcare—so they can invest more aggressively with the rest of their portfolio or just sleep better at night.

Yes, you can retire off an annuity. For the right person, it creates stability, predictability, and peace of mind. And we think that’s worth talking about.

https://thepolicyshop.com/our-policies/

Welcome to Talk Money to Me. Today, we're talking talent — and how the CHAMP Plan helps you keep your best people around.

Competitive Advantage
In today’s job market, a basic health plan isn’t enough. The CHAMP Plan gives your team a tangible raise — more take-home pay, lower medical costs, and better financial security — without increasing your payroll budget.

Culture & Morale
When employees feel financially supported, morale improves. The CHAMP Plan sends a strong message: we care about your health and your wallet.

 If you want to compete with bigger employers without bigger benefit budgets, the CHAMP Plan is your secret weapon.

https://thepolicyshop.com/the-champ-plan/