About Us

Our agency is an independent, nationwide insurance and financial planning firm specializing in the design and implementation of heatlh savings account plans for its self-employed and small business clients.  Simply stated, our firm is the most comprehensive one-stop heatlh savings account source on the net!  First, we help you obtain coverage under the “high deductible” HSA health insurance policy.  By representing only the top-rated major insurance companies offering the HSA-qualified insurance (in most states), we are in the unique position to help you select the best overall plan for you.  Then, we help you establish your own HSA savings account with the leading independent administrator of HSA accounts.   

Our services are provided at no charge to you in the anticipation that you will allow us the honor to become "agent of record" on your new HSA-qualified insurance policy. The agency is licensed in approximately 35 states. License information available upon request. If you already have an agent and would not be interested in switching health plans or in allowing us to become agent of record, we regret that we may be unable to fully satisfy your concerns regarding coverage or account options.

The agency was founded in 1980 by C. Dean Richard, JD, MSBA.  Mr. Richard is an experienced veteran of the financial services industry, having entered the field in 1980 as one of the original agents with NASE (National Association for the Self-Employed).  Since the early 1990’s, he has been totally independent, thereby allowing him to recommend to his clients only the highest quality plans underwritten by the highest quality insurance companies. Because of his early involvement in the consumer-driven health plan industry (marketing HSA plans and their precedesor, MSA plans, almost exclusively since 1999) he has become known to many and especially on the internet as "the HSA king"™. Indeed, because his websites were the FIRST to focus on MSA & HSA plans, many other websites have (somewhat unfortunately) decided to basically "copy" his concepts, sometimes word-for-word. 

Despite the long hours necessarily associated with the benefits business in which he had been involved for about fifteen years at the time, he found the time to pursue a lifelong dream, graduating from law school with a Juris Doctorate (JD) degree from Texas Tech University School of Law in 1996, making him one of the few financial advisors in the nation to carry the clout of a law degree in addition to several professional designations. 

In 2002, Mr. Richard decided to pursue a Master's degree in financial planning at San Diego State University, one of only a handful of top-tier universities offering a comprehensive masters-level program in financial planning. He graduated from the program in 2004 with highest honors. With his dual advanced degrees, he is one of only a very few individuals in the financial services industry to hold both a Master's in Financial & Tax Planning from a bona-fide top-tier reserach university and a law degree from an ABA-approved law school.

As if his background were not diversified enough, he took some time off from his insurance planning practice to fill a void at his alma mater law school in the fall of 2007. During that semester, Professor Richard taught an appellate advocacy course to advanced law students. He has since returned full time to his insurance and financial planning practice.  

It is our sincere wish that you find our site to be of service.  Should you be so inclined, we would be delighted and honored to have the opportunity to assist you in obtaining qualified HSA health insurance coverage, after which time we can also assist in establishing your HSA account.  To learn more about the HSA and how it can save you money, take the time to surf the links on our site. You won’t find a more comprehensive resource on the net.  To get started, just click on the "Free Quote" button to get a quote for HSA-qualified health insurance.  We will contact you with a proposal and will be delighted to help you get started saving money with your own heatlh savings account plan. 

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