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OneDigital’s team of fierce advocates helps businesses and individuals achieve their aspirations of health, success and financial security. Our insurance, financial services and HR platform provide personalized, tech-enabled solutions for a contemporary work-life experience. Nationally recognized for our culture of caring, OneDigital’s teams enable employers and individuals to do their best work and live their best lives. More than 100,000 employers and millions of individuals rely on our teams for counsel and access to fully integrated worksite products and services and the retirement and wealth management advice provided through OneDigital Investment Advisors. Founded in 2000 and headquartered in Atlanta, OneDigital maintains offices in most major markets across the nation. OneDigital has received the Glassdoor Employees’ Choice Award for Best Places to Work in 2023. For more information, visit onedigital.com.

CMB & Associates, located in Miami, FL, stands out as a prominent insurance broker, particularly for employer benefits buyers seeking expertise in local and regional markets. This larger office is a key component of a local brokerage firm, known for its adept handling of medical and ancillary benefits. Their proficiency is especially notable within the securities and commodity contracts intermediation and brokerage industries, making them a reliable choice for companies in these sectors. The office boasts a strong track record with midsize employers, demonstrating an ability to understand and cater to the unique needs of this business segment. A testament to their expertise and customer satisfaction is their relationship with top clients like Fmsbonds, a player in the securities and commodity contracts intermediation and brokerage industry in Florida. With over 100 participants, CMB & Associates has effectively managed their needs, showcasing their capacity to handle complex and large-scale benefit plans. Their deep understanding of the intricacies associated with the securities and commodity contracts intermediation and brokerage industries sets them apart. This specialized knowledge ensures that businesses in these fields receive tailored advice and solutions that align with their specific requirements and challenges. Overall, CMB & Associates' Miami office is a strong candidate for any midsize employer looking to secure comprehensive and industry-specific insurance solutions. Their local and regional expertise, coupled with a proven track record with significant industry players, positions them as a reliable and knowledgeable partner in the insurance brokerage landscape.

The Strategic Advantage provides you with the solutions to help reach your goals. The Strategic Benefits team of experts understands the impact a company’s benefit package has on employees, owners, and the bottom line. We know sophisticated problems require sophisticated solutions, not cookie cutter answers. This is why we utilize a team approach, calling on the expertise of our consultants, who bring years of specialized experience to build relationships and guide you every step of the way. Our commitment is to help you make prudent business decisions regarding your employee benefit plans. We achieve this by combining innovative products with our outstanding expertise and service to best meet your needs.

Tomorrows Solutions, Inc., situated in the dynamic hub of Miami, FL, emerges as a trusted ally for employers navigating the intricacies of benefit solutions. Renowned for its adept handling of medical and ancillary benefits, this local brokerage firm is committed to serving the unique needs of both local and regional businesses. Exemplifying their proficiency, Tomorrows Solutions, Inc. boasts an impressive clientele that includes industry leaders such as Caribbean Cruise Lines. Operating within the travel arrangement and reservation services sector, Caribbean Cruise Lines, with 50+ participants, underscores the agency's ability to cater to diverse industries. Further showcasing their versatility, Tomorrows Solutions, Inc. extends its expertise to Tampa Bay Treatment Associates, a key player in the offices of physicians industry with 140+ participants. This demonstrates the agency's in-depth understanding of the healthcare landscape and its commitment to providing tailored solutions for businesses in this sector. As a vital player in the local brokerage landscape, Tomorrows Solutions, Inc. is more than a service provider; it is a strategic partner invested in the success of its clients. Through a comprehensive approach and a nuanced understanding of various industries, this Miami-based office stands out as a reliable source for businesses seeking personalized and effective benefit solutions.

Shirley Sastre Souto's Miami, FL office is a prominent player in the insurance brokerage landscape, operating from a larger office with a proven track record of catering to the unique needs of both small and midsize employers. Specializing in employer benefits, their seasoned team possesses extensive experience in working with self-funded clients, offering comprehensive support to local and regional employers. This distinguished office boasts a diverse portfolio of clients, including notable names such as Adonel Concrete Corp, a key player in the foundation, structure, and building exterior contractors industry, All American Containers in the miscellaneous nondurable goods merchant wholesalers sector, and City National Bank of Florida in the depository credit intermediation industry. With participant numbers exceeding 130, 100, and 240 respectively, these client success stories underscore the broker's commitment to delivering tailored solutions across different industries. Shirley Sastre Souto's Miami team stands out for its exceptional expertise in air transportation, depository credit intermediation, and fruit and vegetable preserving, and specialty food manufacturing industries. As part of a local brokerage firm, they bring a nuanced understanding of the regional business landscape, further enhancing their ability to provide personalized, strategic guidance. With demonstrated proficiency in serving both small and midsize employers, this office is a reliable partner for businesses seeking comprehensive and customized insurance solutions.

Sabal Benefits provides innovative employee benefits services beyond those typically offered through large national brokers. Using their in-depth knowledge and expertise in benefits plan structure, funding and negotiation, legislative compliance, HRIS implementation, and wellness programming, Sabal Benefits concentrates on clients with complex needs that seek cutting-edge programs. After carefully analyzing the business priorities, financial goals, coverage need and unique culture of each client company, Sabal Benefits strives to optimize the right structure, mix and level of benefits to maximum value. Sabal Benefits is a leader in seeking new ways to manage benefit risks and was the first broker in the South Florida region to define and implement a Cost- Plus arrangement. Clients are also provided with comparative data to help make informed decisions about local medical procedure costs. The Sabal Benefits team brings advanced analytical skills and razor-edged negotiation tools to deliver the precise level of benefit program that fits each client’s objectives while making sure it is delivered at the fairest price. New clients seek guidance from Sabal Benefits when: • Renewal costs have steadily escalated and you need to explore options • Employees are complaining to HR about the current program • Payroll size or classifications are changing rapidly • Compliance requirements are unclear, especially ACA provisions If your mid-size to large business (50-1,000 employees) is ready for a review of your benefits program, please reach out to us so we can help you with a custom and affordable solution to meet the needs of your business and your workforce. Contact us: office (954) 828-9948.

BRP is now The Baldwin Group! We’ve updated our name to reflect our unified group of talented teams across the country. The Baldwin Group is a cohesive group of experts in business insurance, employee benefits, retirement planning, and all areas of private and personal insurance. Since our founding in 2011, we’ve evolved from a local business into a national firm with a vast network of specializations and industry practices for the benefit of our more than two million clients across the country. In addition, we have built excellent relationships with a wide range of insurance company partners. These relationships, coupled with our entrepreneurial and family-oriented culture, and deep expertise enable us to seamlessly deliver a breadth of innovative solutions to clients. At The Baldwin Group, we help provide the solutions our clients need to have confidence and gain peace of mind as they pursue what’s possible for themselves, their families, and their businesses. Whether they are renting their first apartment or buying a larger home, opening a small business or taking their company public, we offer solutions to support them on every step of their journey. This has been our story since the beginning—we provide the indispensable expertise and quality insights that give our clients peace of mind to pursue their purpose, passion, and dreams. And that’s what The Baldwin Group will continue to do for years to come: we protect the possible.