About Affordable Benefit Solutions

Affordable Benefit Solutions is a professional employee benefit, brokerage and consultation firm, serving our clients needs since 1995. We respond to your needs by listening to your goals and fulfilling them with the most appropriate and affordable solution. These solutions are tailored to your firm's strategic goals. We help make certain you receive optimum rates and contracts specific to your needs. Our motto is: "Benefit Plans Designed to Meet Employee Needs and Employer Objectives."

Meet the owners of Affordable Benefit Solutions: Marian Carpenter, CBC, and David Guyot, FLMI.

3 Advantages of Contracting with Affordable Benefit Solutions

WE ARE INDEPENDENT
We are not an employee of any insurance company or any one provider. The benefit to you is that we are not obligated to place your business with a carrier that does not meet your needs, and we can give you an objective evaluation of the marketplace. Our recommendations are always based on your goals and objectives.

WE ARE YOUR MARKETING TEAM
By combining a traditional brokerage approach to marketing, implementation and ongoing service with traditional consulting practices -- strategic plan development, analysis and cost effective recommendations – we offer the best of both practices. Our back-room support will enable you to effectively manage your employee benefit plan through technology-driven solutions for immediate access to benefit information, employee data, and HR and regulatory/compliance information.

OUR COMPENSATION
We work with our clients to establish a compensation agreement that meets their needs. Many of the insurance products we secure have standard commissions built in, so the commission is t the same whether a client works with us, another agency, or buys directly from the insurer. For insurance products with negotiable commission schedules, we work with our clients to establish a fair and competitive commission rate. Consulting fees and fees for support services are fully disclosed when a client contracts with us. In some cases, insurers pay overrides to us based upon sales volume retention and quality. If this occurs, clients whose contracts contributed to the override are notified.

Our commitment to our clients is that we will not allow commission rates or the potential for additional compensation to influence us in recommending the best insurance companies and products to meet their needs and objectives.

MARIAN CARPENTER, CBC

President/CEO

Eden Prairie

Phone: 952-746-1258

Marian is the Founder, majority owner and President of Affordable Benefit Solutions. She has more than 30 years of experience in insurance and as a benefits broker/consultant. Marian consults with employers on all aspects of Health & Welfare, including strategy, design implementation, communication, funding, claim resolution, administration and assistance with federal and state legislative and regulatory issues.

Resident Insurance Producer License, issued by the Minnesota Department of Commerce, is #744667.

DAVID GUYOT, FLMI
COO
Eden Prairie
Phone: 952-746-1259

David is the office manager and training coordinator for Affordable Benefit Solutions. He brings a broad wealth of technical and administrative knowledge to our organization, having served for 30 years in the insurance and financial services industry. His primary function is to supply the technical and human resources necessary to provide superior service to our clients.

Resident Insurance Producer License, issued by the Minnesota Department of Commerce, is #200539889.