A graduate of the University of Missouri with a bachelor’s degree in finance, Richard knows small business well.  At an early age he worked alongside his father at the family business and experienced first-hand the challenges of running a small business. Over the last 10 years he has honed his craft in the employee benefits industry working for a Fortune 200 insurance carrier.  While in this role he has worked with businesses of all size and all industries.  Such as law offices, architects, construction firms, machine shops, manufacturers; all the way to restaurants, retailers, school districts and major distributors.   Over the last 5 years he has focused on delivering enrollment fulfillment for over 3,300 clients and counting.  He has worked with dozens if not hundreds of brokers from Dallas to Chicago to New Jersey.  Richard understands the current landscape of benefits and he always has his finger on the pulse.  His goal is to share this unique experience and fresh perspective of benefits with as many people as possible.

Carles is originally from Barcelona, Spain where he attended UAB and received a bachelor’s degree in business and a masters degree in Human Resources.  Carles has over ten years of experience in Human Resources and Employee Relations.  He initially worked for a multinational German company and has since transferred his skillset to the employee benefit side of Human Resources.  He found his passion working in the Hispanic owned business community and has assisted hundreds of businesses and thousands of employees through bilingual benefit enrollments.  He enjoys the challenge of helping this community navigate the many changes in healthcare reform.  As a consultant for BeneSmart Carles is leading the charge in our mission to serve the underserved business community in providing benefits that matter to the business.