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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Dear HR: What Is ‘Quiet Cracking’? How to Recognize the Early Warning Signs Before It Impacts Your Team
Dear HR Manager, I’ve been hearing the term “quiet cracking”. What does it mean, and how can i recognize it before it becomes a problem for my team? — Supportive Manager, Dear Supportive Manager, “Quiet cracking” describes a growing sense of workplace dissatisfaction that develops before more visible disengagement occurs. Unlike “quiet quitting,” it doesn’t immediately
March 24, 2026 -
Creating Opportunities for Connection
Loneliness is no longer just a public health concern — it is an emerging business risk. In 2023, former U.S. Surgeon General Vivek Murthy identified loneliness as a national epidemic. Today, the World Health Organization estimates that approximately one in six adults worldwide experiences significant loneliness. For working adults, the workplace is one of
March 24, 2026 -
Q&A Employer Compliance Guide: Key Answers on ERISA Language Requirements, Continuation Coverage, and HSA Contributions
3.4.26 | EMPLOYEE HSA CONTRIBUTIONS WITH SPOUSE ON MEDICARE Q. An employee is under age 65 and has employee plus spouse coverage but the spouse is over age 65 and enrolled in Medicare. Is the employee limited to the individual maximum for HSA contributions?A. The family HSA limit is available to this employee regardless of whether the
March 24, 2026
The next step is to set up a quick call so we could learn more about your employee benefits challenges and goals and explain how we can help you accomplish them.
I cannot say enough about Gus and Michelle. They are always there to help, answer questions. Our company is located outside of Chicago. And when we needed them to come in and do a presentation for renewal, they were here to make sure that it was informative to the employees and process was seamless. Just a great group of people to be working with!
