Richard Toral Email & Phone Number

The Business Incentives, LLC team works with employers to help them take advantage of Federal and State Tax Credits and Incentives that they may not be aware of. We are consultants who help our clients in two areas: 1) We help businesses implement Section 125 plans which are guaranteed to increase employee take-home pay, decrease employer payroll taxes, and provide a Health Management Plan/Primary care program to all employees. The 125 plan enhances an existing medical plan and does not… Show more The Business Incentives, LLC team works with employers to help them take advantage of Federal and State Tax Credits and Incentives that they may not be aware of. We are consultants who help our clients in two areas: 1) We help businesses implement Section 125 plans which are guaranteed to increase employee take-home pay, decrease employer payroll taxes, and provide a Health Management Plan/Primary care program to all employees. The 125 plan enhances an existing medical plan and does not replace your broker.2) 1) We Identify and recover Research and Development credits and bring tens of thousands of dollars into companies we represent. Show less

Consulting and Investments. Managed the development and implementation of marketing and operational systems for clients in multiple industries including HMOs, IT, retail sales and manufacturing and distribution.Purchasing and selling REOs and Short Sales in Southern California.

Santa Ana, Ca

The Admar Group, Inc (ADMR:NASDAQ)CEO and Chairman of the BoardAs a publicly traded (NASDAQ) company doing business in 33 states, Admar’s divisions provided services for and were integrated into insurance companies and self funded employer groups. Admar was grown from the garage to a publicly traded, Nasdaq listed company. The divisions and functions of The Admar Group were:• Admar Corporation. Provided claims payment, employee eligibility administration, employee communications… Show more The Admar Group, Inc (ADMR:NASDAQ)CEO and Chairman of the BoardAs a publicly traded (NASDAQ) company doing business in 33 states, Admar’s divisions provided services for and were integrated into insurance companies and self funded employer groups. Admar was grown from the garage to a publicly traded, Nasdaq listed company. The divisions and functions of The Admar Group were:• Admar Corporation. Provided claims payment, employee eligibility administration, employee communications, etc. for insured and self funded employers and insurance companies. Negotiated and implemented specific and aggregate stop-loss insurance for employers who self fund and created, marketed and administered a small group MET. The services were marketed directly and through brokers.• Med Network. The first PPO in the nation to be implemented into multiple insurance companies and large self funded employers. Med Network is discussed in Alvin Toffler’s book, “Future Shock”. Toffler, a futurist, wrote on what he perceived to be trends affecting American society. Over 150 insurance companies utilized Med Network and the services were integrated into major employers including Southern California Gas Co, Automobile Association of America (AAA Southern California), etc.• HealthWatch Utilization Management and HealthWatch Advantage. Physician and nurse based utilization management provided to reduce the overutilization of healthcare services. HealthWatch provided negotiation services to reduce the cost of care for those services which were provided outside of the PPO network.Admar was taken private and sold to The Principal Financial Group and I continued to serve as President of the Admar Group division of Principal Healthcare (HMO subsidiary of The Principal Financial Group) and consulted with The Principal in Des Moines, Iowa during their transition from a mutual insurance company to a stock company. Show less

Business Administration From Ucla Anderson School Of Business, Double Major In Business And Music

Activities and Societies: Kappa Kappa Psi fraternity, UCLA marching band, Concert Orchestra, El Mariachi Ucatlan

Anderson School Of Business