Free Cost-Saving Consultation
Cut Payroll, Benefits & Processing Costs—Without Cutting People
Innovative FSA helps small businesses uncover hidden savings in payroll, employee benefits, and payment processing—typically freeing up 8–18% in recurring costs with no disruption to your team.
- 15–30 minute strategy call focused on your current vendors & costs
- Quick benchmarking against what similar-sized businesses are paying
- Actionable next steps you can implement—whether we work together or not
No obligation. Just a focused conversation about where you may be overspending.
Typical clients: 20–500 employees · Professional services · Healthcare · Local franchises
Snapshot Savings Review
Share a few details and we’ll confirm your free consultation within one business day.
We never sell or share your data. Your numbers stay confidential.
Trusted by owners and operators across professional services, healthcare, and local franchise brands.
How We Help
A cost-savings partner for busy small-business owners
We act as your behind-the-scenes advisor—reviewing current contracts, renegotiating with vendors, and aligning costs with what businesses your size should be paying.
1. Quick discovery
On our first call, we learn how you run payroll, benefits, and payments today—and what you’re spending.
2. Savings analysis
We benchmark your current rates, identify overcharges, and map out options that preserve (or improve) your employee experience.
3. Implement together
If you decide to move forward, we coordinate with vendors, handle the details, and track realized savings over time.
Where We Find Savings
Three major expense areas most small businesses overpay for
Vendors rarely call to tell you that you’re paying too much. Our job is to make sure your contracts, fees, and plan designs match where your business is today—not three renewals ago.
- Average identified savings range: 8–18% of annual spend
- Typical implementation window: 30–90 days
- Designed for businesses with 5–150 employees
Payroll
We evaluate provider fees, add-on services, and unused features—ensuring you’re not paying enterprise prices for a small-business team.
- Platform & per-employee fees
- Add-ons you may not need
- Contract flexibility & term
Employee benefits
From plan design to contributions and admin fees, we help you offer strong benefits while respecting your budget and compliance needs.
- Medical, dental, vision, FSA/HSA
- Employer vs. employee contributions
- Broker commissions & admin fees
Payment processing
We analyze interchange, markup, and junk fees—then structure pricing that fits your ticket size, industry, and risk profile.
- Swipe, keyed, and online rates
- Statement & assessment review
- Chargeback & PCI fee analysis
Who We Serve
Cost-conscious leaders who care about their people
Innovative FSA partners with owners, CFOs, and HR leaders who want to treat employees well while keeping overhead in check.
- Growing service businesses adding headcount
- Healthcare practices with tight reimbursement margins
- Local franchises and multi-location operators
- Organizations revisiting benefits after rapid growth or downsizing
“We thought we were getting a fair deal because we’d been with our providers for years. Innovative FSA found over $48,000 in projected annual savings across payroll, benefits, and card processing—without cutting employee coverage.”
Operations Director, 40-employee healthcare group
On your consultation, we’ll quickly assess whether similar savings are realistic for your business.
Your Free Consultation
What we’ll cover in 15–30 minutes
- A quick profile of your business and employee count
- Current providers for payroll, benefits, and payment processing
- Where costs have crept up over the last 12–24 months
- Initial savings opportunities and a rough dollar estimate
- Whether an in‑depth savings review makes sense right now
If we don’t see at least a few thousand dollars in realistic savings, we’ll tell you—and you’ll walk away with clarity on where you stand.
Perfect for: owners and leaders who want a straightforward, numbers-driven second opinion on their overhead.
Request your free cost-savings consultation
Fill out the form and we’ll follow up with scheduling options that fit your calendar.
Prefer email? Reach out at [email protected] with “Cost-Saving Consultation” in the subject line.
Questions, Answered
FAQ about working with Innovative FSA
If you don’t see your question here, include it in your consultation request and we’ll address it on the call.
What does the free consultation include?
The consultation is a 15–30 minute video or phone call where we learn about your business, review your current payroll, benefits, and payment processing setup at a high level, and identify whether there are realistic savings opportunities. You’ll leave with clear next steps—whether or not you decide to engage us further.
Is there any obligation or pressure to switch providers?
No. Our goal on the first call is to understand your situation and give you an honest assessment of potential savings. If you’re already in a strong position, we’ll tell you. If there’s room to improve, we’ll outline your options in plain language so you can decide what’s best.
How are you compensated?
Depending on the area of savings and your preferences, we may be compensated through vendor arrangements, a percentage of documented savings, or a flat consulting fee. We discuss compensation transparently before you make any decisions, and we always structure our work to align with your financial goals.
How much time will this take from my team?
Most clients invest 1–2 hours up front to share statements, contracts, and key information. From there, we handle analysis and vendor conversations, looping you in only for approvals and major decisions. You stay in control, without getting buried in the details.
Do you only work with businesses in a specific region?
We primarily serve U.S.-based businesses and can work with teams across most states. If you’re unsure whether we can advise your organization, mention your location in the form and we’ll confirm on the consultation.
Ready to see if you’re overpaying?
Book a free, no-pressure consultation with Innovative FSA and get a clear view of where payroll, benefits, and payment processing costs can be reduced—without sacrificing the people who make your business work.
Average consultation response time: within 1 business day.
Innovative FSA · Coaching & Consulting for cost-efficient payroll, benefits, and payment processing.
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