David Gold

About David Gold

I help business owners and HR teams add real money back to the bottom line while giving employees benefits they actually use and appreciate… all at zero net cost to the company.Through the WIMPER program (Wellness-Integrated Medical Plan Expense Reimbursement) at 1st Capital Financial, we bundle IRS-approved wellness and reimbursement plans (Sections 106, 105, 125) with a menu of fully customizable ancillary benefits employees pick from.Most popular options:• Life Insurance (by far the #1 choice)• Accident & Critical Illness (with Cancer)• Dental + Vision• Hospital Indemnity• Short-Term Disability• Telemedicine, mental-health support, and moreHow it works in plain English:• Zero out-of-pocket cost to the company — the tax savings pay for everything (and usually 5–10× over)• Healthier, happier employees = fewer claims = 15–30 % lower Workers’ Comp premiums• Optional MEC plan available if you don’t currently offer major medical (keeps you 100 % ACA-compliant without the headache or expense of traditional group health)Important: WIMPER never replaces or changes your existing group health plan or broker relationship. It simply layers on top as an additional, fully voluntary benefit — most brokers actually love it because it makes their job easier and reduces claims.Conservative real-client examples (Year 1 cash flow added):• 134-employee manufacturer → $91k• 42-employee construction company → $48k• 120-employee trucking firm → $108kNo disruption to your broker or existing plans. Takes about 15 minutes to see if it fits your group.If you have 10+ W-2 employees and want to know your real number, just shoot me a quick message with:• **Headcount**• **Industry**• **Main state**I’ll reply with a one-page conservative estimate + the exact ancillary/MEC options that make sense for your team (takes me ~10 minutes).No pressure at all — if it’s not a fit, I’ll tell you straight up.Looking forward to helping however I can.#WIMPER #AncillaryBenefits #MECPlan #EmployeeBenefits #WorkersCompSavings #1stCapitalFinancial

Experience

1. Workforce Benefits Consultant

   1st Capital Financial

   Oct 2024 — Present · Redding, CA, US

   Deliver the WIMPER program: IRS-approved (§105, §106, §125) solution that adds $500–$1,200+ per employee in net-new annual cash flow at zero net cost to companies with 10–500+ employees Cut Workers’ Compensation premiums 15–30% through taxable-payroll reduction while layering fully voluntary ancillary benefits (Life, Dental/Vision, Telemedicine, Critical Illness, Hospital Indemnity, etc.) on existing group health plans Drive 85–90% employee adoption of tax-free wellness + reimbursement benefits with zero impact on take-home pay and zero disruption to current brokers or coverage Proven conservative Year-1 results from implemented programs:→ 42-employee construction company → 120-employee trucking firm → 134-employee manufacturer →

Education

• Simpson University

  Cross-Cultural Studies

  1999 — 2003