Carl is the Founder and Managing Principal of Mitigate Partners, a Risk Management, Cost Containment and Employee Benefits Consulting firm, which is a partnership of 29 employee benefit consulting and brokerage firms that allows local management within a collaborative environment with more than 400 years of combined experience.

With more than 30 years of experience in benefits consulting and financial services, Carl pioneered the fiduciary approach to benefits advisory services. His interest in treating the employer’s money like his own, led Carl through years of research culminating in the development of his proprietary FairCo$t Health Plan, an innovative plan design seamlessly integrated with a High-Performance Healthcare Solutions platform that provides best-in-class benefits at substantially lower costs while improving clinical and financial outcomes for health plans and their members. A founding Health Rosetta Charter Certified Advisor, Carl’s work as a consultant has been nationally recognized as he is a highly accomplished speaker and author who is engaged in the pursuit of EMPLOYER-Built Healthcare to replace the archaic Insurer-Built Healthcare system that has ceased to meet the needs of employers and their employees.

We are an intentionally small “concierge” consulting firm offering a unique approach to benefits management for a select group of clients. We have chosen collaboration over competition and maintain healthy relationships with a cadre’ of like-minded consultants and resources throughout the United States. Being open to and encouraging the ideas of others allows us to remain on the cutting edge of thinking in our area of expertise, rather than developing the myopic view of the world that so often occurs in single source benefit brokerage shops.

By serving as a Fiduciary and Steward of our client’s health plan dollars, and focusing on how to reduce the cost of healthcare (rather than the cost of insurance), we operate more as Population Health Managers rather than as “Brokers”, allowing our team to specialize in Cost Containment and Risk Mitigation strategies that result in dramatic reductions in the overall health plan spending of our clients. Our more than 400 years of combined experience in benefit planning, allows us to offer our clients improved cash flow, “employer friendly health plans” and lower cost trends over time.