Group sponsored health benefits are critical for large employers, active employees, and retirees. For active employees, concerns about healthcare loom large. They depend on their employer to have a secure, comprehensive healthcare plan in place. Senior financial officers and human resource executives trust RBS to manage and evolve their health and welfare plans by analyzing, designing, structuring, and implementing programs specifically suited to their particular needs. Our long-standing commitment and sound advice have earned the trust and respect of our clients. The right advisor should: · Be fiercely independent. · Be completely transparent in every respect, especially   regarding fees. · Be totally unbiased and without any conflicts of interest. · Not be a subsidiary or operating unit of a much larger entity,   especially an insurance company. · Not have ownership stakes or personal interests in the   vendors and service providers they recommend. · Not accept contigent commissions — ever. In the end, it’s about keeping a promise. When it comes to the business of health benefits, we take it personally at RBS, because to active employees, it’s very personal.