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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June 2026: Supporting Employee Wellbeing — How to Drive Wellness Participation the Right Way
Dear HR Manager, Our organization offers several wellness and mental health resources, but employee utilization remains low. How can we encourage participation without making employees feel pressured or invading thier privacy? — Committed to Supporting Employees, Dear Committed, Low utilization doesn’t necessarily mean employees don’t need the benefit; often it means they are unaware
June 23, 2026 -
Spending Time in Nature to Boost Wellness
Spending Time in Nature to Boost Wellness Many employees spend much of the day indoors, seated and connected to screens. While technology is essential to modern work, the human nervous system still benefits from physical movement, sensory variety, and moments of calm. Whether it’s a walk through a local park, a few quiet minutes outside
June 23, 2026 -
June 2026 Benefits Q&A: CMS Creditable Coverage, HSA Family Contributions & Form 5500 — Your Compliance Questions Answered
6.4.26 | FORM 5500 AND COMMON OWNERSHIP Q. Two employers have common ownership but offer separate benefit plans with unique policy numbers and have separate ERISA wrap documents. When counting employees for Form 5500 filing, are employees counted separately in each company, or would common ownership indicate that the two employer groups are counted together?A. For purposes
June 23, 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!
