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Build smarter benefits. Advise with clarity. Empower your people.
Strategic benefits leadership. No products. No commissions.
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Let's Talk Benefits
About
Ritma Sagar, Founder & CEO
I am an independent fractional benefits leader with deep in‑house experience partnering with executive and HR teams to lead strategy, compliance, and execution. I provide fractional and interim benefits support and work alongside brokers and vendors to bring clarity and confidence to benefits decisions — without selling insurance.
I care deeply about this work because benefits decisions have real consequences for employees, families, and organizations. I bring a thoughtful, disciplined approach to every engagement, combining financial rigor, governance, and practical execution to help leaders make informed, confident decisions they can stand behind.

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