The Only Employee Benefits Plan That Funds Itself and Increases Your EBITDA.
Standard benefits packages are not enough to retain top talent in today’s market. We provide a solution that maximizes both impact and tax efficiency.
By implementing an IRC-compliant SIMERP, we reduce your annual payroll tax overhead. We reallocate these savings to fund premium medical services like 24/7 Telehealth and $0-copay prescriptions, providing "Big Corp" benefits on a "Small Business" budget.
This is not a new cost. This is a strategic tax savings converting into tangible employee satisfaction and cultural equity. Let’s assess your needs and demonstrate how this proven strategy protects your legacy.
Tax-Advantaged Benefits Built on Statutory Anchors
1. Operates Within Established IRS Code: §§ 125, 105(b), and 213(d)
Our program strictly adheres to time-tested IRS provisions:
IRC § 125: Enables employees to elect pre-tax salary reductions for qualified benefits through a "Cafeteria Plan."
IRC § 105(b): Allows tax-free reimbursements for medical expenses incurred by employees.
IRC § 213(d): Defines eligible "medical care" expenses, including telemedicine, mental health counseling, and health risk assessments.
This structure ensures tax savings and benefit enhancements without compliance risks.
2. Backed by a Formal Legal Opinion from a Tax Attorney
In June 2024, tax attorney Michael Hallock reviewed the DCBG plan and issued a comprehensive Tax Opinion Letter:
"It is my opinion the Plan creates an 'excepted benefit' to the employee. This excepted benefit means that, under IRC § 105(b), the election made by the employee to offset gross income for participation in the plan is proper. Additionally, the reimbursement to the employee from the employer does not create a taxable event."
— Michael Hallock, Esq., The Hallock Law Office, June 2024
The opinion confirms:
Qualification as a Cafeteria Plan under IRC § 125.
Valid reimbursements under IRC § 105(b).
Services align with IRC § 213(d).
Benefits are actuarially valued based on real medical pricing.
This isn't guesswork – it's precedent-backed assurance.
3. Differentiated from Problematic Plans (e.g., AFLAC, Fixed Indemnity Models)
Unlike past programs scrutinized by the IRS, our SIMERP avoids pitfalls:
No fixed indemnity insurance, which triggered issues in prior cases.
As noted in DCBG's response to the IRS Chief Counsel Memo (May 9, 2023):
"DCBG does not operate with a fixed-indemnity insurance policy... Our program provides a self-insured medical reimbursement plan (SIMRP), cafeteria plan document, and a preventative care management plan... Our benefits are 213(d) compliant and based on utilization, not cash rewards."
— DCBG Memo Response, 2023
We've designed it to exceed IRS standards, learning from industry lessons.
4. Administrative Ease for Your "Zero-Net Cost" Workforce Strategy.
Tired of predictable FICA liabilities and healthcare costs diminishing your company’s bottom line? We provide a solution that maximizes both impact and tax efficiency, optimizing your duty of care without increasing your workload.
Longhorn Benefit Pros simplifies advanced tax strategy into accessible financial growth. This innovative, IRS-compliant plan requires a seamless, turnkey solution. We provide that by partnering with a premier national Third-Party Administrator (TPA) for comprehensive management:
Rigorous Plan Documentation and Necessary Annual Regulatory Compliance.
Integrated Payroll Coordination and Contribution Reporting.
Eligibility Verification and Proactive Utilization Monitoring.
Reimbursement Substantiation Anchored in strict Section 213(d) Compliance.
Employee Gaining and Ongoing Education, Dashboards, and Full-Service Support.
This high-performance oversight converts Complexity Simplification into administrative ease, creating a seamless strategy that builds enterprise value and cultural equity. This is a proven strategy built for businesses of all sizes.
5. Proven FICA Reallocation: Clean Audits That Protect Your EBITDA.
FICA tax overhead is un-optimized capital. Longhorn Benefit Pros converts that predictable leak into a frictionless asset. Hundreds of businesses—from 10-employee Texas startups to 1,000+ multi-state enterprises—currently utilize this exact SIMERP strategy.
Our operational logic has never resulted in an IRS enforcement action. Instead, clean audits and verified financial outcomes demonstrate Complexity Simplification in action.
These verified results directly increase enterprise value, secured by the strict statutory anchors and expert administrative ease that protect your legacy. Let’s calculate your return on FICA.
Mario Hajro
Complexity Simplification Anchored in Licensed Group Benefits Expertise
Mario is a dedicated insurance and group benefits professional with a Bachelor's degree in Economic Development. His demonstrated history in the insurance industry includes deep expertise in [Underwriting/Claims Management/Texas TDI Licensing, per DCBG SOPs]. Mario leads the complex initial conversation and frictionless onboarding process at Longhorn Benefit Pros. He specializes in the operational fulfillment that converts advanced FICA tax reallocation strategy (specifically DCBG operational logic) into administrative ease for business owners. Mario excels at demonstrating Complexity Simplification and verified, clean audits that protect enterprise value. His work connects statutory anchors and expert administration, simplifying advanced workforce strategies into high-performance assets for organizations of all sizes. Mario uses his strong economic development and [underwriting] background to demonstrate that a duty of care is an asset, not a new cost.
Corwin Davidson
Administrative Ease Secured by Coordinated Statutory Anchors
Corwin co-founded BreakLine Wealth + Tax to disrupt generational mindsets of confusion and complexity, replacing them with coordinated, strategic execution. He is an architect of Virtual Family Offices, a model designed to bring advanced wealth and tax strategies—including year-round tax mitigation and statutory anchors—under one unified plan. Corwin bridges the gap between complexity simplification and administrative ease for high-achievers who are traditionally short on coordination. His disciplined process (Discovery, Design, Implementation, and Oversight) moves business owners from reactive to intentional. He translates advanced DCBG operational logic and IRC Section 105(b) definitions into a frictionless and turnkey employer experience, meticulously managing the end-to-end dcbg operational logic to ensure strict accuracy over speed. His focus on coordinated strategy means ironclad protection, clean audits, and maximized cultural equity for business owners.
Dan Janjigian
The EBITDA Maximizer Anchored in 30 Years of High-Performance Leadership
Dan is a veteran sales leader with over 30 years of experience building and optimizing teams, most recently serving as VP of Sales for a premier real estate development firm where he increased revenue by over 40%. Previously, as a Family Heritage Life Agency Owner, he set weekly sales records that stood for 25 years and built Gridiron Financial, a team generating over $150M in revenue. His Amazon #3 best-selling book on selling (2022) reflects a career dedicated to high-performance results. Today, as a Senior Advisor for Mergers & Acquisitions in Austin, TX, Dan connects optimized workforce benefits (FICA reallocation) directly to maximized enterprise value and increased exit valuations. His focus is simplifying complex advanced tax strategy into administrative ease, directly increasing cultural equity for LBP’s clients.
Tom Spano
Engaging Workforce Audiences to Lock in Cultural Equity and Enterprise Value
Tom has been creating unforgettable experiences and engaging audiences since the inception of social platforms. He has worked with and for some of the hottest brands in the digital space, bringing a whirlwind of connectedness, creativity, and knowledge to every collaboration. Tom specializes in Community Management, Brand Awareness, Content curation, and Social Media Implementation. At Longhorn Benefit Pros, Tom translates advanced tax concepts into compelling, high-impact cultural equity visual narratives. He designed the LBP "Differentiated SIMERP" and "Frictionless Workforce" infographics, using the DCBG SOPs on simplicity to make advanced financial strategy accessible to owners and employees. His background in social platforms and emerging technologies ensures that Complexity Simplification is the core driver of LBP’s national distribution strategy. Tom’s focus is expanding LBP’s brand into a dominant national player, simplifying the story to maximize CPA partner referral adoption.