Gustavo AltuzarraEmployee Benefits Advisor
Areas of Expertise
- Employee Benefits
- Self-Funded Health Plans
- Captives
- Large Group Plans
- ACEC Life / Health Trust
Qualifications
- BS – University of Southern California
- Life and Health Insurance Licenses
- License 0M62658
Gustavo is an Employee Benefits Advisor at Aston Sharp. Gustavo started his career in mortgage banking and in 2008 started a fund to purchase up the undervalued mortgage notes from banks across the country. Being the purchaser of the funds’ health plan – he quickly realized that most health plans lack transparency to claims data and ownership of claims funds.
When Gustavo left the fund in 2015 he shifted his focus to developing partnerships with independent TPAs and Captives to fix these problems he once faced. Gustavo now helps companies with 10-1000 employees put together a strategy for their health plan using alternative funding arrangements such as self-funding and captive programs to lower the bottom line.
Recent Blog Posts
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Beyond Employee Surveys: Understanding Why Top Talent Leaves
Dear HR Manager Our employee surveys generally show high satisfaction, but we are losing people we wanted to keep. Leadership is questioning whether the surveys are useful. How can we better understand what is happening? — Looking Beyond the Scores Dear Looking Beyond the Scores,The surveys may be useful while still leaving gaps.
October 23, 2026 -
How Work Environment Shapes Your Wellbeing
2026 NAMI-Ipsos Workplace Mental Health Poll When we think about wellness, we often think about the choices we make. We might focus on what we eat, how much we move, how well we sleep, or what we do to manage stress. But there is another part of wellbeing that can be easy to overlook: the
October 23, 2026 -
October Q&A: HSA, Medicare, Dependent Coverage & COBRA
10.1.26 | COBRA FOR SMALL EMPLOYER Q. An employer has 25 total employees, however, 20 of those employees fall under the union plan and not the group coverage plan, so technically only 5 employees are signed up for coverage under the group plan. Should all 25 employees be counted for COBRA purposes, or only the 5
October 23, 2026