Risk TAG
Risk TAG
More
data:image/gif;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=

Reimagining insurance and benefits with a customer first model.

Reimagining insurance and benefits with a customer first model. Reimagining insurance and benefits with a customer first model. Reimagining insurance and benefits with a customer first model.

Building a network of growing, innovative and ambitious independent agencies to ignite growth through partnerships.

Contact Us

Reimagining insurance and benefits with a customer first model.

Reimagining insurance and benefits with a customer first model. Reimagining insurance and benefits with a customer first model. Reimagining insurance and benefits with a customer first model.

Building a network of growing, innovative and ambitious independent agencies to ignite growth through partnerships.

Contact Us

Why and how was RTA formed? What makes RTA different?

Learn more about RTA through this podcast where our CEO, Zain Hasan, explains his history, how and why Risk Transfer Advisory Group, LLC was created and an in depth description about the challenges we solve for independent agencies as well as the principles and vision for RTA‘s future - one where we build the market leading insurance and benefits agency of tomorrow, today.

Zain Hasan on "Buy Grow Sell" Podcast:

From an early age, wherever Zain Hasan saw problems, he wondered how he could fix it. Entrepreneurship was in his DNA, and he bootstrapped, grew and sold 4 businesses to Private Equity owned companies – disrupting the health insurance system in America along the way.


After a botched acquisition, Zain knew there was much to be improved in the world of mergers and acquisitions, so he set out to challenge the status quo. Learn more in this podcast!

About Us

Our Model

This is a truly differentiated model. RTA is bringing an alternative solution to the market - we're like a strategic investor with deep M & A experience and very specialized GA capabilities. By targeting the benefits firms focused on positively impacting the client rather than the carrier as our Founding Partners and letting them decide who is good enough to join our network - we set the bar high.


Most importantly, we believe that this isn't an industry that should rest on the status quo. We are deeply committed to being indispensable to our clients. We make quantifiable impact on their business and we transform their investment in healthcare by bringing a customer-obsessed core value to everything we do. Placing insurance is not why RTA exists, it's a byproduct of more important work - transferring risk away from the employees and the employer so they can focus on growing their businesses.

About Us

Zain Hasan, Co-Founder & CEO

Lester Morales, Co-Founder & Chief Growth Officer

Dennis Pauls, Co-Founder & President

Hasan is a 3rd time Entrepreneur with 2 exits to Private Equity backed Strategics. Hasan's expertise came from CIGNA and Guardian where he created programs for employers with 25-1000 employees. As the #2 rep nationally in his 3rd year, Hasan knew he wanted his own consulting firm. Through rapid growth and accolades, Hasan led his firm through being acquired by a Private Equity backed platform with an "integrated" model. 


Using hindsight to allow him to clearly understand how to build a better option than the market offers today, one that is purposely built to be a collaborative network of partners & developing capabilities or resources based upon direct feedback from the partners who join the RTA journey.

Dennis Pauls, Co-Founder & President

Lester Morales, Co-Founder & Chief Growth Officer

Dennis Pauls, Co-Founder & President

 Mr. Pauls is an experienced executive with over 30 years of senior leadership experience in the insurance industry. Mr. Pauls has been on the executive leadership teams of three of the top 20 insurance agencies in North America today. 


In addition to holding positions as CFO, COO, CSO and CEO Mr Pauls has been involved in 200 plus agency acquisitions during his career including leading IPO’s on both the TSX and NYSE. Mr. Pauls has a passion for developing people to create the next generation of leaders while creating engaged sales and operations teams to achieve growth and excellence

Lester Morales, Co-Founder & Chief Growth Officer

Lester Morales, Co-Founder & Chief Growth Officer

Lester Morales, Co-Founder & Chief Growth Officer

Prior to becoming an entrepreneur, Lester had 5/6 consecutive years at Willis as a top 5 consultant, growing a $3.5 Million benefits book by age 29. Lester subsequently led national sales for an On-Site Health Clinic company, when Willis asked Lester to return as the youngest ever C-Level Executive and he served more than three-years as Executive Vice-President and Chief Growth Officer for Willis’ Human Capital Practice, 


As leader of the $350 Million operation within Willis, Lester identified how to drastically improve growth and did so by creating Next Impact, LLC, a rapidly growing wholesale benefits arm designed to serve the mid-large market self funded programs.

RTA Partner Firms

Take Cash off the Table

Take Cash off the Table

Take Cash off the Table

We offer a market competitive process that is grounded in collaboration instead of negotiation.


You've spent countless hours building the value of your firm and we want to ensure you can de-risk and put your family in the position to realize the value of your business and enable you to take up to 100% of the transaction in cash off the table.




Retain Autonomy

Take Cash off the Table

Take Cash off the Table

You maintain your branding, internal systems, leadership structure and you decide what part of our shared services you want to utilize and what you don't.


We have seen what happens when Entrepreneurs are turned into corporate employees and for successful, growing agencies, we believe the value is in identifying growing partners and being resources to partner with them to keep growing. No deal is the same but we collaborate to define exactly what you want help with and what you want to retain control over.



Partner to Drive Growth

Take Cash off the Table

Partner to Drive Growth

We know that being independent can pose challenges regarding having the capital to invest in the technology solutions transforming our industry.


We retain your brand but convert your website and digital presence to allow your organic growth to catapult. We put groups of specialty teams together to evaluate which technologies could transform the industry. You never have to be worried about trying to make technology investments. We have an accessible capital base and dedicated team constantly studying the marketplace to keep your team equipped with access to the best solutions.

Why RTA

 Employers have been brainwashed by the insurance brokerage industry to the point that almost every employer believes that an annual increase of 8-10% is "inevitable". The brokers spreadsheet quotes with "apples to apples" benefits and suggest the employer increase copays and deductibles, thereby increasing employee cost. Over time, this has led to a healthcare crisis - and employers need a team of expert consultants that "think radically differently". 


Risk Transfer is a process where we transfer risk away from employees and employers, not increase the risk. Proactive risk advice strengthens the role of brokers as trusted advisors to their corporate clients, rather than as middlemen for carrier offerings. This strategy requires new and enhanced broker skills and greater knowledge of innovative technology that can deliver more healthcare value for dollars spent, which represents a significant shift in the overall value proposition for customers. A client success-driven model adds far greater value to core broker traditional business offerings by expanding their ability to make knowledge-based recommendations driven by hard, timely data and analysis. 


RTA is offering the resources and partnerships to enable any firm to deliver unparalleled results with unique solutions throughout the landscape of benefits. We evaluate our partners from the following lens:


Can the partner bring value to other RTA partners that we can expect will drive organic growth opportunities and improve the value of our existing partners?


OR


Do we see a meaningful opportunity for the talent and resources within RTA to drive meaningfully better results to the firm we are evaluating?


How We Approach Our Partnerships

We only win if you win. In each business, we deployed operational improvements and strategy development without compromising the autonomy, strategic vision and entrepreneurial spirit of their leadership teams. With every company we acquire (which we call our partners), our goal is to buy, build and keep on building, alongside the talented people who make the business possible. Because companies don’t create value; people do. 

The Difference

 What truly defines us as a business is how we do it, and that’s by fostering a caring, trusting, nurturing organizational culture through which people feel safe to express their ideas and share their gifts and talents. 

How We Help You Realize Your Vision

We provide M & A Support (Sourcing, Valuations, and Access to Our Capital).

We provide M & A Support (Sourcing, Valuations, and Access to Our Capital).

We provide M & A Support (Sourcing, Valuations, and Access to Our Capital).

We assist with producer and book acquisitions, mergers and acquisitions. We compensate our partners for referring in other agencies that want to stand alone and we assist with agencies you want to integrate.

Industry leading digital marketing and organic growth coaching.

We provide M & A Support (Sourcing, Valuations, and Access to Our Capital).

We provide M & A Support (Sourcing, Valuations, and Access to Our Capital).

Since COVID, our industry producers are having a hard time writing new logos. We have realized over 200% revenue growth since 2019 - organically - utilizing a digital marketing playbook developed by our Chief Growth Officer.

Coaching for Talent Attraction, Retention, Development & Succession.

We provide M & A Support (Sourcing, Valuations, and Access to Our Capital).

Coaching for Talent Attraction, Retention, Development & Succession.

We all know the industry has a talent gap. We can show you how to bring your agency in line with best in class employers to change the way potential employees view the industry and your firm.

Sign up to hear from us.

Contact Us

Contact Us

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Send us a message, tell us a little bit about your situation, and we will get back to you as soon as we can.

Risk Transfer Advisory Group

Copyright © 2023 Risk Transfer Advisory Group (TAG), LLC - All Rights Reserved.

This website uses cookies.

We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.

Accept