Empowering People-First CEOs & Executive Directors

Smarter Benefits. Better Protection. Retention That Lasts. Some brokers see employee benefits as a product to sell. I see them as an act of stewardship — and I treat your costs, your people, your revenue, and your capital the same way. I help mission-driven leaders cut benefit costs, retain top talent, capture lost revenue, and unlock funding pathways — all without changing healthcare plans, adding overhead, or sitting through a pitch. Hablamos español. Serving leaders across New Mexico and nationally.

What I help you do

Four Pillars. One Strategist. A Vetted Team Behind Every Piece. Reduce Costs Without Cutting Care. Cut payroll taxes up to $639 per employee while your team gets better coverage — not less of it. Properly structured Section 125 and 105 plans, layered preventative care, and a benefits philosophy that becomes a retention advantage. Capture Revenue Automatically. Respond to leads in under 60 seconds, increase confirmed appointments by up to 60%, and stop losing revenue after hours. AI automation that pays for itself — quantified before you commit. Build a Business That Funds Itself. Establish legitimate EIN-based business credit, separate from your personal credit, and unlock capital tiers most owners never see. Strategic guidance from a vetted advising team with direct lender relationships. Fund the Nonprofit Without Asking for Another Check. Turn everyday business activity into recurring monthly funding for a 501(c)(3) — no out-of-pocket cost, no enrollment fees, no grant cycle. Built for sustainability, not one-time gifts.

Who I work with

This is for you if any of these are on your radar: • Premium increases eating into your margins • Employees stretched thin by out-of-pocket expenses • Benefit dissatisfaction quietly driving turnover • Missed revenue from manual outreach and after-hours unavailability • A business credit denial — or growth blocked by limited capital options • A community-based nonprofit that needs predictable recurring support

How I Work — and Who Works Alongside Me

No one person is an expert at everything. Anyone who claims otherwise is selling you something.

Here's what I am: a Licensed Group Benefits Broker with two decades of business consulting behind me, and a strategist who knows where the leverage points live across costs, people, revenue, and capital.

Here's what I'm not: a payroll tax attorney, an AI engineer, a commercial credit underwriter, or a 501(c)(3) compliance specialist. So I don't pretend to be.

Instead, I've built relationships with a vetted team of specialists across each pillar of the work:

Section 125 / 105 plan structuring and implementation — handled in partnership with specialists who do this all day, every day.
How implementation works
As your licensed broker, I'm directly involved in the strategy, fit, and ongoing relationship. The plan structuring and administration is handled by specialists who set up Section 125 and 105 plans every day, with payroll integration, compliance documentation, and employee communication built in. You get one point of contact — me — and a deep bench behind the scenes.
Business credit and capital strategy — guided by advisors with direct relationships across the lender ecosystem.
How implementation works
The credit-building and lender-readiness work is led by an experienced advising team with direct relationships in the funding ecosystem. I coordinate the engagement, make sure the strategy fits your broader business goals, and stay involved through the milestones — so you have a strategic partner, not just a service vendor.
AI revenue automation — implemented by the team behind the platform.
How implementation works
The AI platform and deployment are handled by the WiBiz team — the specialists who built and continue to refine the system. My role is to make sure it's the right fit before you commit, that the audit numbers reflect your actual business, and that someone is advocating for you if anything needs adjustment after launch.
Recurring nonprofit funding via merchant processing — coordinated with the partners who built and operate the funding model.
How implementation works
The merchant processing funding model is operated by the partner organization that built the structure and maintains compliance with IRS 501(c)(3) requirements. I'm the connector — I introduce the right businesses to the right nonprofits, make sure the model fits both sides, and stay in the relationship as it grows. Nonprofit Funding Connector is a role I take seriously; the funding floor it builds is genuinely the most underused tool in community-based nonprofit work.

My role is to be your quality control. I map the strategy, vet the fit, coordinate the experts, and stay on your side of the table from the first conversation through implementation and beyond. You get the depth of a specialist team without having to assemble it yourself — and without wondering whether each expert is actually pulling for you.

That's the stewardship part. Anyone can sell a product. Fewer people will sit with you, understand your business, and build a structure where every piece supports the next one — like dominos.

What I Bring To The Table

20+ years as a business consultant

I've supported more than 50 clients a year across two decades, helping owners find creative ways to drive performance, increase profitability, and unlock revenue opportunities most advisors miss.

I've been ranked #1 in new client acquisition and revenue attainment, but the number that matters more is the one that doesn't make a leaderboard: the leaders who stayed, grew, and built something they're proud of.

A licensed independent broker's perspective

As a Licensed Group Health, Life, and Accident Insurance Producer, I'm your quality control for employee benefits. I'm not tied to a single carrier or a single product. I set up your coverages like dominos — so when that one thing happens, everything falls into place, and you have more options instead of just more bills.

Frameworks that hold up under pressure

Six Sigma Green Belt
Scrum Master Certified
Certified Leader in group facilitation
Certified Happy for No Reason Trainer

Translation: I think in systems, I run disciplined processes, and I know how to facilitate the kind of conversations where leaders actually figure out what they want.

Bilingual. Bicultural. Built for New Mexico and beyond. I serve clients in English and Spanish across the Albuquerque–Santa Fe metro and nationally.

What you can expect from working with me:

• Straight answers — even when the answer is "this isn't a fit"

• Math that holds up under scrutiny, not slide-deck claims.

• A long view of your organization, not a one-time transaction.

• Strategies built around your people, not around what's easiest to sell.

• Smarter Benefits. Better Protection. Retention That Lasts.

Working with Michelle

What an engagement actually looks like — from first call through implementation and beyond.

Step 1: The 20-Minute Strategy Call

No commitment. No pitch. No deck. We map your current cost structure, your people, your goals, and your leadership philosophy against where the gaps and opportunities live. By the end of the call, you'll have a short written recap and the two or three highest-leverage opportunities specific to your situation. If nothing actionable surfaces, I'll tell you. That's a legitimate outcome. What you walk away with: Clarity. A written recap. Zero obligation.

Step 2: The Deeper Look (Only If It Fits)

If the strategy call surfaces something worth pursuing, the next step is a deeper analysis specific to whichever pillar applies — a benefits review, a Revenue Leakage Audit, a credit and capital assessment, or a nonprofit funding model walkthrough. This step often involves bringing in the relevant specialist from my team — but I stay in the room. You're not handed off; you're introduced. What you walk away with: Real numbers. A written proposal. A clear "here's what this would cost, save, or unlock" — no vague projections.

Step 3: Decision Point

You decide whether to move forward. There's no soft pressure, no follow-up sequence designed to wear you down, no "limited-time" framing. The math either makes sense for your business or it doesn't. If you say no, we stay in touch — many clients come back six or twelve months later when timing changes. That's fine. The work is too important to force.

Step 4: Implementation

If you move forward, implementation is handled by the specialists who do this work every day: Benefits and Section 125 plan structuring — handled in partnership with plan-specific implementation experts, with full payroll integration and employee communication. AI automation deployment — handled by the WiBiz team, with the platform live within weeks. Business credit building — handled by the advising team, with milestones tracked over a defined engagement window. Nonprofit funding setup — handled by the funding partner organization, with onboarding and marketing for both the business and the nonprofit. My role through implementation: quality control, advocacy, and the person you call when something needs adjusting. You get the depth of a specialist team with one accountable point of contact.

Step 5: The Long View

This is the part most advisors skip. After implementation, I stay involved. Renewals get reviewed. Revenue numbers get checked. Credit progress gets tracked. Nonprofit funding gets reported on. If something stops working, we adjust. If something new becomes possible — a benefits expansion, a credit tier upgrade, a new revenue automation — we revisit. You're not a closed file. You're a long-term relationship.

What This Costs You

The Strategy Call is free. The Blueprint is free. Beyond that, every engagement is structured so the math works for you — meaning the savings, revenue capture, or capital access materially exceeds any cost involved. Specific costs depend on the pillar and the scope, and you'll see real numbers before you decide anything. If a number doesn't make sense for your business, I'll be the first to say so.

What This Asks of You

20 minutes for the first call. Honesty about what's actually happening in your business. A willingness to look at your structure as a system — not as a stack of disconnected line items. That's it.