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: Why collateral in most group captives is a trap How bad structuring leads to massive leakage What a clean, transparent captive should look like 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.comEmail ralph@thebenefitwhisperer.comCall (832) 924-3330 Let’s keep pulling back the curtain.
