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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August Employee Benefits & Workplace Insights: Helping Employees Thrive at Work
August 2026 • Employee Benefits | From Offered to Used: Helping Employees Navigate Benefits• Workplace Culture | The Post-Summer Reset: Rebuilding Focus without Burning People Out• Dear HR Manager | Protecting PTO Dear HR Manager One of our managers regularly emails and texts employees while they’re on PTO. He says he only contacts them
August 26, 2026 -
Sleep: The Workplace Performance Multiplier
Quality sleep is becoming a business issue, not just a personal one. It starts innocently enough. An employee stays up a little later than planned to finish a project, answer a few emails, or simply unwind after a busy day. The next morning, they make it through work with an extra cup of coffee and
August 26, 2026 -
August Compliance Q&A: Key Employer Guidance on COBRA, HSAs, FSAs & Form 5500
8.6.26 | FSA LIMIT Q. An employer’s FSA renews 7/1. With the increase to the dependent care limit, can employees contribute the full $7,500 in 2026?One employee has contributed $2,500 to date in 2026. Since the plan renews 7/1, the contribution limit from 7/1 to 12/31 is $3,750, leaving the employee $1,250 short of the 2026
August 26, 2026