Your Business Deserves
a Smarter Strategy.
Most business owners are overpaying the IRS, underprotecting their key people, and leaving retirement money on the table — without knowing it. Rodney helps you fix all three.
Your biggest opportunity might be right here:
for qualifying Oregon businesses
Six Strategies That Change
How Your Business Operates.
FICA Tax Reduction (Ignite Health)
Legally redirect FICA payroll taxes — the 7.65% you and your employees both pay — into employee benefits. IRS-approved, $0 cost to implement, average savings $620/employee/year.
Learn more →Group Health & Dental Plans
Multi-carrier group health and dental plans for small businesses. We shop the full market to find plans that work for your team and your budget — not a one-size-fits-all package.
Learn more →Remote Care for Medical Practices
Telehealth infrastructure for physicians, clinics, and hospitals. Generate $40–$120/patient/month in CMS remote monitoring reimbursements. Powered by RemoteCareToday.com.
Learn more →Key Person Life Insurance
Protect your business from the financial loss of a key employee or partner. Key person policies fund business continuation, buy-sell agreements, and recruitment of a replacement.
Learn more →Executive Benefits & IUL
IUL-based executive compensation plans create a tax-advantaged benefit that attracts and retains senior talent — and builds tax-free wealth for owners and key executives.
Learn more →Business Succession & Legacy
What happens to your business when you retire, become disabled, or pass away? Buy-sell agreement funding, entity-owned life insurance, and estate planning create a clear succession path.
Learn more →How We Work With Business Owners
Free Business Analysis
A 30-minute call to understand your business: employee count, current benefits, payroll structure, and what keeps you up at night. We identify your biggest opportunities — FICA savings, protection gaps, succession risks — before we talk about any specific product.
Your Custom Strategy
I prepare a personalized analysis: your estimated FICA savings, a benefits gap review, and a succession/protection scorecard. You get a clear picture of what's available and what it costs — presented in plain English, not insurance-industry jargon.
Implementation on Your Terms
We implement what makes sense, when it makes sense. No pressure, no commissions pushed. And I'm your advisor going forward — reviewing your benefits annually, responding to changes in your business, and proactively bringing you new strategies as they emerge.
What Business Owners Actually Achieve
$47,000/year recovered in FICA taxes
Names changed for privacy.
A Portland-area restaurant group with 58 employees was paying $47,000/year in FICA taxes they could legally redirect. After a 30-minute analysis and 45-day implementation, that money now funds employee health benefits — at zero additional cost to the business.
Business survived a partner's death
Names changed for privacy.
A two-owner construction company in Salem had no buy-sell agreement. When one partner became seriously ill, a properly funded key-person policy meant the surviving partner could buy out the estate — without a bank loan or forced sale.
$85/patient/month in new revenue
Names changed for privacy.
A family medicine clinic in Beaverton implemented remote patient monitoring through our RemoteCareToday.com partnership. Within 90 days, they were generating $85/patient/month in CMS reimbursements from patients they were already seeing.
Don't forget your team
Your Employees Are Aging Into Medicare Too.
As your team members approach 65, they need Medicare guidance — and a trusted advisor who understands their employer coverage transition. Rodney works with business owners and their employees as a single integrated team.
Explore Medicare & Social Security →
Ready to See What Your
Business Is Leaving Behind?
Most business owners are surprised by how much is available to them. A 30-minute free analysis shows you exactly where the opportunities are — no obligation, no pressure.
Rodney Cummings · OR License #18847712 · Licensed in 25 States · Independent — not captive to any carrier
Legacy Wealth Services is an independent insurance agency licensed in Oregon and 25 states. OR License #18847712. The FICA tax reduction strategy is an IRS-compliant Section 125 benefit program; results vary based on business size, payroll structure, and employee demographics. Insurance products are not guaranteed by any bank or government agency. Information presented is for educational purposes only. Please consult Rodney for personalized guidance.