MREmployer Savings Advisor
Matt Ragudo
Benefits consultant for owners and HR. First package, a better one for growth or exit, or a plan inherited after an acquisition.
Benefits people are glad to have. A working partner through the year, enrollment and after, so insurance questions don't sit on HR.
The work
A company should have a working partner, not a sales-first quote guy.
I listen. Then I bring the market, major carriers and the funding options that fit, so the package is one people are glad to have. Full year. Enrollment and after. Not a quote shopper.
I take the insurance questions off HR's plate. I work with the person, not the business.
Who this is for
Owners and HR
Building or improving the package
First benefits package. Or a better one because the company is growing, heading toward an exit, or just inherited a plan after an acquisition. That's the door.
Through the year
Enrollment is the start. You need someone who stays after, and a place for insurance questions that isn't HR's inbox.
Matt
Licensed. Harker Heights. Relationships first.
I’m Matt, originally from Hawaii and now a licensed insurance professional based in Harker Heights, in the Bell County area, about an hour north of Austin. I moved to Texas in 2021 to be closer to my aging in-laws.
I spent over a decade in financial planning at wealth management firms, then ran a health insurance agency with 60 licensed agents. I built relationships with local physicians and helped their patients with insurance claims, serving as a point of contact between patients and insurers.
That experience shapes how I approach benefits today. The numbers matter. So does what happens when someone actually needs to use their coverage.
I also spent three years in Fukuoka, Japan, on the JET Programme. Living somewhere that different taught me to slow down, pay attention, and ask questions before assuming I understood someone. That’s how I want to get to know you and your business.
The gym has been part of my life since I graduated high school. I was an overweight kid, and training still keeps my mind focused on who I don’t want to be and who I do want to be. Exercise and nutrition have been a major part of who I am. They keep me grounded and present. Also, I’m gluten-free, so if we meet up, I may not eat anything. Lol. If you know any good places to eat with gluten-free options, I’d love to hear about them.
Next
If you want a working partner on the package, start with 30 minutes.
Market access and support through Vector Health and Emerson Rogers.