We focus on independent contractors and their families. Most of our team at Forge come from your same background. That's why we focus on you. We understand how frustrating it is to tackle 1099 "benefits", how few resources there are for your size, and how much the industry turns a blind eye to the small-but-mighty.
There are plans & providers out there specifically designed for independent contractors and their families.
You just have to know where to look. We did that looking for you.
Its uncommon for savings to occur without a "cost"... Sometimes that cost means nothing to you and your family - you might not have benefited from it to begin with. Where there is a cost, we make it clear what you're giving up - good or bad.
Real support shouldn't just apply at the top of an agency. That's why we make sure each person, seasoned Realtor or just-getting-started, gets the same one on one experience. The fact is you don't get that often.
Benefits Administrators, whether health, retirement or personal wealth, keep the best secrets for the biggest companies. Some of that is inexcapable - a lot of it is not.
Sometimes these high-level strategies aren't brought "down" because of pure laziness or greed - the bigger the company, the more $$$. We don't play that game - Enterprise for 1099.
Have benefits felt out of reach - even if you've "explored what's available?"
Has your health plan felt like a sink hole of year-over-year increased expenses and cost with less and less "benefit"?
In either case, we have strategies to ease-in for cheaper or lean-in with strategies to reduce or eliminate yearly increased cost.
Hear it from Forge clients: There's lots to love.
“I am so grateful for the outstanding support Forge Financial has provided me and my family. Curtis is extremely knowledgeable about the plans, resources, and benefits offered through Clearwater and has been a tremendous help in guiding me through the best options to fit our needs."
I am so grateful for the outstanding support Forge has provided me and my family. My broker was extremely knowledgeable about the plans, resources, and benefits offered and has been a tremendous help in guiding me through the best options to fit our needs.
“Clearwater took the time to listen and help us explore what would work best for us. Within two months, we had saved enough money through the plan we chose to cover the premium for one month. I highly recommend Clearwater for an honest look at your healthcare.”
What stands out most was my broker's professionalism and responsiveness. He always takes the time to explain details in clear, digestible pieces, which has made navigating healthcare coverage so much less overwhelming. They have been an amazing point of contact, ensuring I felt supported and well-informed at every step.
I spent twelve weeks in the ICU. The bills mounted up to about two million dollars. The length of time I was in th hospital I would have been bankrupt. And because of (Clearwater Benefits) I have survived that.
“I am so grateful for the outstanding support Forge Financial has provided me and my family. Curtis is extremely knowledgeable about the plans, resources, and benefits offered through Clearwater and has been a tremendous help in guiding me through the best options to fit our needs."
“The Carrier has made it easier for me, and taken off the (financial) burden from my shoulders (by paying $12,000 less a year for a health plan). Under the old healthcare pricing, I used to say 'Wow I'm taking care of one thing, and I'm hurting the other”
I could not be happier with the customer service and care I’ve received. Curtis and his team have gone above and beyond, and I truly appreciate the dedication they bring to their role.
“Clearwater has made it easier for me, and taken off the (financial) burden from my shoulders (by paying $12,000 less a year for a health plan). Under the old healthcare pricing, I used to say 'Wow I'm taking care of one thing, and I'm hurting the other”
I spent twelve weeks in the ICU. The bills mounted up to about two million dollars. The length of time I was in th hospital I would have been bankrupt. And because of (Clearwater Benefits) I have survived that.
Here you'll find information spanning the HR and benefits spectrum. We strive to bring you value.
We build your staff, while you build your business
My name is Curtis Johnson, I wanted to shoot a short video introducing myself. It'll only take a couple minutes.
