Business Details
32 Years
experience
Your Trusted Insurance Broker in Syracuse, NY
Your Fiscal Fitness was founded in 1994 by Clark A. Gronsbell, a seasoned Certified Public Accountant with extensive experience in financial planning and advisory services. We specialize in providing tailored employee benefit solutions for small businesses and individuals, prioritizing cost-effectiveness and personalized service. Our team leverages decades of industry expertise to navigate the complexities of health insurance, disability coverage, and retirement planning, ensuring clients receive competitive options that align with their unique needs.As an independent brokerage, we maintain no affiliations with insurance carriers, allowing us to objectively advocate for our clients' best interests. Our commitment to exceptional service is reflected in our track record of resolving client issues promptly and maintaining long-term relationships built on trust and transparency. We serve businesses across New York State, with a particular focus on Central New York, while extending our expertise to national clients with New York-based employees.
Services
Group Health Insurance
Group Dental Insurance
Disability Insurance
Medicare Plans
Life Insurance
Tax Services
SHOP Exchange Brokerage
Long Term Care Insurance
Employee Benefit Analysis
NY Statutory Disability Insurance
Details
- Year established: 1994
Highlights and features
- We have over 30 years of experience in insurance and financial planning.
- Our team provides same-day resolution for client issues.
- We operate as an independent brokerage with no carrier affiliations.
- Our founder is a Certified Public Accountant with specialized expertise.
- We offer personalized consultations for tailored benefit solutions.
What people say
Quick turnaround time
Cost saving alternatives
Excellent customer service
Same-day response time
Personalized style
Services
Group Health Insurance
We provide comprehensive group health insurance plans tailored for small businesses, offering access to national provider networks and flexible deductible options. Our services include plan selection assistance, cost-benefit analysis, and compliance management with New York State regulations. We streamline enrollment processes and provide ongoing administrative support to ensure seamless implementation for employers and employees.
Group Dental Insurance
Our dental insurance solutions for businesses include preventive, basic, and major coverage tiers with cost-effective pricing structures. We help clients navigate plan options featuring cleanings, fillings, crowns, and specialized treatments while ensuring compliance with state requirements. Our team provides educational resources to employees and handles claims coordination with providers.
Disability Insurance
We offer New York State-compliant statutory disability insurance programs that protect businesses from legal penalties while safeguarding employee income during medical leave. Our services include eligibility assessments, premium calculation guidance, and carrier selection assistance to balance cost and coverage requirements for employers.
Medicare Plans
Our Medicare solutions provide individuals with plan comparisons, enrollment assistance, and cost optimization strategies. We help clients navigate Original Medicare, Advantage plans, and supplemental policies while explaining coverage nuances and prescription drug options to ensure informed decision-making.
SHOP Exchange Brokerage
As certified SHOP brokers, we assist New York employers with 50 or fewer employees in accessing Affordable Care Act marketplaces. Our services include tax credit eligibility assessments, plan comparisons, and streamlined enrollment processes to help businesses qualify for federal subsidies while meeting employee healthcare needs.
People
Clark A. Gronsbell
Founder & Insurance Broker
Clark founded Your Fiscal Fitness in 1994 after working as a Certified Public Accountant in Washington DC. With over 30 years of experience, he specializes in integrating financial planning with employee benefits, helping small businesses navigate insurance complexities while maintaining compliance with state regulations.
Questions
What insurance services do you specialize in for small businesses?
We specialize in group health, dental, disability, and life insurance plans, along with SHOP Exchange brokerage services and NY statutory compliance programs for employers.
Do you serve businesses outside Central New York?
While we focus on Onondaga, Oneida, Madison, Cayuga, and Oswego counties, we serve businesses statewide and nationally that have employees in New York.
How does your SHOP Exchange brokerage work?
As certified brokers, we help eligible small businesses access ACA marketplaces, qualify for tax credits, and select compliant health plans with streamlined enrollment processes.
What makes your disability insurance services unique?
We provide NY State-mandated disability coverage solutions while explaining employer obligations, premium contribution options, and legal compliance requirements to prevent penalties.
Can you help with individual insurance needs?
Yes, we offer Medicare plans, life insurance, long-term care coverage, and tax services for individuals seeking personalized insurance solutions.
How quickly do you respond to client inquiries?
We resolve most client issues the same day they're reported, with our team maintaining direct communication channels between clients and our brokerage.
