focused on your employees well being and health
Zero-Cost Employee Benefits That Boost Paychecks and Profits
Legacy Financial Team helps employers unlock the Capstone Plus Program. An IRS compliant wellness benefit that increases employee take-home pay, lowers payroll taxes, and adds profit to your bottom line.
Why Businesses Choose Capstone Plus
We help companies enhance benefits, improve retention, and increase profit.
Without any out-of-pocket cost.
Trust & Value
$0 Cost – to implement for employers
$725+ – average annual profit per enrolled employee
2 Weeks – average setup time
100% Compliant – with IRS, DOL, and ERISA
56+
Years of service
4000+
Agents/Brokers
250,000+
Lives Covered
The Capstone Plus Wellness Advantage
A smarter way to provide benefits that pay your team and your business.
24/7 Virtual Healthcare
Employees get access to urgent care, primary care, mental health, and chronic condition support — all with $0 copays.
Hospital Indemnity Coverage
Cash payouts directly to employees during hospital stays or qualifying medical events.
Wellness Reimbursements
Gym memberships, nutrition, therapy, and even pet care — employees earn rewards for staying healthy.
Payroll-Integrated Savings
Pre-tax deductions reduce taxable income for both employer and employee, creating instant take-home pay increases.
Compliance
&
Support
Capstone Plus is fully IRS, DOL, and ERISA compliant and integrates seamlessly with any payroll system.
Your Partner in Building Stronger Businesses and Happier Teams
Meet Jessica
At Legacy Financial Team, we believe employee wellness and financial strength go hand in hand. Led by Jessica Moreno, a California-licensed Life and Health agent, our mission is to help employers deliver meaningful benefits that cost nothing to implement, yet create long-term loyalty and measurable savings.
We partner with Amaze Health to bring businesses the Capstone Plus Program, a groundbreaking benefit platform that rewards healthy employees and reduces employer tax burdens.
Highlights:
Licensed Life & Health Agent (CA, CO, NV)
Full IRS, DOL, ERISA Compliance
Simple 2-Week Setup
No Disruption to Existing Payroll
We Offer Premium Eyewear
Three easy steps to start saving and improving employee wellness.
Step 1 – Enroll Your Team
Employees are automatically enrolled in a compliant Section 125 wellness plan.
Step 2 – Apply Pre-Tax Deductions
Small pre-tax deductions lower payroll taxes for both employer and employee.
Step 3 – Receive Cash Benefit Reimbursements
Employees get post-tax cash reimbursements — increasing their net pay while maintaining coverage and care access.
What Business Owners Are Saying
“Capstone Plus was the easiest program we’ve ever implemented. Our employees are thrilled, and it’s saving us thousands each year.”
— Small Business Owner, Los Angeles
“The extra paycheck boost our team saw in month one was a game-changer. Highly recommend Legacy Financial Team.”
— HR Director, Anaheim
Experience exceptional service and quality at our store, where we prioritize your vision and comfort. Our dedicated team is here to help you find the perfect eyewear tailored to your needs.
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Capstone Plus is a wellness benefit program administered by Amaze Health and distributed by Legacy Financial Team. This is not traditional insurance. The program is designed to comply with IRS Section 125, DOL, and ERISA regulations.
© 2025 Trusted Wellness Benefits - All Rights Reserved.
Phone: (906) 999-9757