Cambridge Insurance Advisors brings a 32+ year track record of optimizing our clients and partners Human Capital spend. We are known as experts in Benefit Technology, Compliance, PEO, Fully Insured, and Self-Funded / Captive Strategies. We strive to be your trusted advisor of choice, recognized for our client-focused innovative approach to planning and products, highly skilled team, and industry leading client service & collaboration.

Trusted Total Rewards Providers. BETTER BENEFITS. BETTER PEOPLE. BETTER FOR YOUR BUSINESS. We take a personal approach to help you make professional decisions. The landscape of communication has evolved. Using technology to our advantage, in consideration of Individual preference and circumstances, you can be assured that The Richards Group will be there for you. A key component to every successful business is its ability to find and retain great employees. they’re the ones that help keep your business moving every day. One of the best ways for you to do this is to offer your employees a competitive benefits package as a form of compensation. With a staff of 36 in our Total Rewards Division, we have robust capabilities to well serve clients throughout Vermont & New Hampshire. At The Richards Group, we understand how important it is to strike the balance between what you provide for your employees and how it affects your company’s bottom line. With our Total Rewards offerings, we’ll work with you as a partner and extension of your team. We’ll develop a comprehensive and affordable Total Rewards program that will give you a strong, competitive edge. As the region's leading resource to help you understand the effects of healthcare reform and its' implications, we're here to help. Our strategy is uniquely focused to help make your organization a Best Place to Work. The Richards Group and many of our clients hold this endorsement. Using a steering wheel approach, we pilot our clients 360 degrees navigating risk management, compliance, worksite wellness, human resources, payroll, and leadership development. What sets us apart: 3rd Generation; Locally owned; Independent; One-stop for Benefits, Business Insurance, and Retirement Planning.

Cambridge Insurance Advisors brings a 32+ year track record of optimizing our clients and partners Human Capital spend. We are known as experts in Benefit Technology, Compliance, PEO, Fully Insured, and Self-Funded / Captive Strategies. We strive to be your trusted advisor of choice, recognized for our client-focused innovative approach to planning and products, highly skilled team, and industry leading client service & collaboration.

In a competitive labor market, offering comprehensive employee benefits is not just an option — it’s a necessity. We provide tailored benefits packages that rival the ones offered by Fortune 500 companies, providing a seamless, online benefits administration and boosting your employees’ performance and well-being. Paychex Agency's Unique Value Proposition includes: Integrated Services - Payroll companies often bundle insurance offerings (like workers' compensation or health insurance) with their payroll and HR services, simplifying processes and reducing administrative tasks; Premiums can be seamlessly calculated and deducted based on payroll data, ensuring accurate and timely payments. Real-Time Adjustments - Workers' compensation premiums can be adjusted automatically as payroll changes, reducing the risk of overpayments or underpayments; Avoidance of large year-end premium audits since adjustments are handled in real-time. Compliance Support - Payroll companies stay up to date with labor laws and regulations, helping businesses remain compliant with insurance-related requirements, such as workers’ comp laws, cobra, model notices, and ACA reporting. Streamlined Reporting - Access to consolidated reports covering payroll, insurance, and related data, making it easier for businesses to manage records and meet reporting requirements. Ease of Onboarding - New employees can be easily enrolled in insurance plans as part of the payroll setup process, reducing paperwork and delays.