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Build smarter benefits. Advise with clarity. Empower your people.

Strategic benefits leadership. No products. No commissions.

Our Services

1

ADVISORY TIER

Strategic benefits guidance for growing organizations. On-going oversight of benefits strategy, renewals, vendor alignment, and compliance to bring structure, clarity, and confidence - without adding headcount.

2

STRATEGIC TIER

Forward-looking benefits leadership aligned to growth and talent.

Multi-year planning, cost forecasting, compliance governance, and market benchmarking to help organizations scale benefits programs thoughtfully and sustainably. 

3

EXECUTIVE TIER

Senior, executive-level benefits leadership for complex environments. Board-ready reporting, M&A support, workforce modeling, and on-demand advisory for organizations navigating scale, change, or heightened executive oversight.

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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