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Maximize Your Budget.

Reduce Payroll Taxes.

Support Your Team.

Zero Budget Impact.

If you’re not using PHI, you’re overpaying payroll taxes every month.
PHI connects you to significant FICA tax reductions while providing comprehensive wellness benefits to your team—without requesting additional budget allocation.

Book Your Private PHI Briefing

**What Is PHI ?**

The Preventative Health Initiative (PHI) is a federally recognized tax strategy that allows public-sector employers, businesses and nonprofits to redirect payroll taxes into employee wellness benefits.

PHI transforms your tax obligations into employee benefits—at no extra cost.

Instead of sending money to the IRS, you redirect those same dollars to provide:

✅ Mental health services

✅ Telehealth access

✅ Wellness coaching

For your entire staff AND their families.

The Result?

✅ Employees get valuable benefits
✅ Your organization saves money
✅ Zero increase to payroll costs
✅ Complete Done-for-You implementation

This isn't just another wellness program—it's a proven, government-approved strategy that turns tax obligations into budget savings for ALL entities.

Trusted By Some of the Most Trusted Names in Health & Wellness:

Hands-Off

Done-For-You Process

We handle everything so you don't have to. Our team manages complete onboarding, staff education, regulatory compliance, and IRS alignment—delivering a fully turnkey solution with 24/7 ongoing support.

No procurement headaches. No budget negotiations. No additional administrative burden. We provide seamless integration that works within your existing payroll structure while ensuring full federal compliance.

Your only job is to enjoy the benefits: happier employees, reduced turnover, and significant annual savings that go straight to your bottom line.

Proven Results

2024 Impact-At-A-Glance

PHI Results Grid

1.35M+
People Enrolled

$250M+

Total Savings

96%

Retention Rate

$523

Avg Per Employee

21.8M
Wellness Encounters

<1.1%

Escalation Rate

(Based on 2024 Metrics)

PHI Benefits Section

Zero Net Cost Implementation

What Are The Benefits?

PHI delivers measurable value to both your organization and employees—with government backing and no impact to your budget

Average Impact Per Organization$500Per Employee FICA Savings
$100KLife Insurance Coverage

🏢

For Your Organization

Average $500 FICA tax savings per employee annually
Enhanced recruitment and retention capabilities
Reduced overall healthcare costs
Improved employee morale and productivity
Zero net cost implementation
Stand out from competitors in talent acquisition

👥

For Your Employees

Up to $100,000 in cash value whole life insurance
$1,500 additional retirement benefits annually
Comprehensive health services at no cost
No reduction in take-home pay
Personalized health dashboard access
Dedicated health coaching and telehealth

ℹ Government Recognition & Support

PHI is recognized and supported by the Departments of Health and Human Services (HHS), Labor, and Treasury under Affordable Care Act wellness program provisions, ensuring compliance and regulatory confidence for public sector organizations.

Calculate My Organization's Benefits

Meet Cynthia Chapman

PHI Specialist | Principal Business Consultant

Cynthia D. Chapman is a seasoned financial strategist with 30+ years of experience in marketing, insurance, and strategic planning. Today, she helps public-sector organizations and mission-driven businesses unlock hidden savings and strengthen their budgets through the Preventative Health Initiative (PHI).

As Senior Vice President at Bank of America, she spent nearly a decade overseeing strategic marketing initiatives across multiple business lines. That foundation—combined with her MBA and nearly 15 years as a licensed insurance professional—uniquely equips her to help leaders navigate complex financial decisions with confidence.

Specialties include:
✅ PHI implementation for public entities
✅ Tax-advantaged employee benefit strategies
✅ Budget optimization for businesses and nonprofit organizations

Her passion: unlocking hidden savings that strengthen budgets without cutting people or programs.

Service Area: Nationwide
Contact: 336-254-9490 | [email protected]

Book a Meeting with Cynthia Chapman

Our Guarantee to You:

100% Compliant

We guarantee this program to be fully IRS, ERISA, HIPAA, and ACA compliant. Our federally aligned tax strategy has been thoroughly vetted and approved for public sector implementation.

Guaranteed Eligibility

We guarantee your organization qualifies if you have 10 or more full-time employees (30+ hours per week) earning $25,000+ annually by federal definition. No exceptions, no surprises.

Zero Risk Implementation

We guarantee complete done-for-you service with 24/7 support and zero net out-of-pocket cost. If we can't deliver exactly what we promise, we'll make it right.

Want to work with us?

Project Blue is bringing the best practices of Fortune 500 Companies to public entities, nonprofits, and businesses of all sizes. Project Blue was founded on the premise that EVERY business owner should take advantage of every incentive program that they are legally entitled to claim.