I am an unapologetic follower of Jesus Christ. My faith and obedience to His calling guides all my personal and business decisions and direction. Primum Risk Strategies’ core values are Biblically based and are established in Scripture: Proverbs 11: 1-3.
Proverbs 11: 1. The Lord abhors dishonest scales, but accurate weights are his delight.
It is a simple precept. In business we understand that a free and fair marketplace needs profit to operate. But there is a difference between profit and profiteering. Profiteering is a pejorative term for the act of increasing profit by methods considered unethical and at someone else’s demise. A capitalist society only survives when the exchange of goods or services is based on a fair exchange. If one party to a business transaction gains more than the other party because of a hidden unfair advantage that’s economic extraction. It provides no value.
For us, this means that hidden charges, undisclosed fees, commissions, and other forms of opaque compensation have no place in a sound benefits strategy. The employee benefits industry is filled with carrier arrangements, PBM contracts, point solutions, and brokerage relationships where costs and financial incentives are often difficult for employers to see or understand. We believe our responsibility is to uncover and disclose every material financial and contractual element of both our advisory services and the vendor partners we recommend. Anything less falls short of the standard of honest weights and measures.
Proverbs 11:2. When pride comes, then comes disgrace, but with humility comes wisdom.
Humility means approaching every client, colleague, and decision with the understanding that we do not have all the answers. We listen before we speak, remain open to challenges, admit mistakes, and seek wisdom from others. In business, humility builds trust, improves judgment, and keeps pride from interfering with what is right for the people we serve. It means recognizing that true wisdom comes from God, not from our own pride or position. In business, we seek to listen well in order to serve our clients, admit when we are wrong, and make decisions with integrity rather than ego. By remaining teachable and placing God’s principles above personal ambition, we build trust and lead in a way that honors Him.
Proverbs 11: 3. The integrity of the upright guides them, but the unfaithful are destroyed by their duplicity.
Integrity requires clarity about whom we serve and whose interests we are committed to protect. Proverbs 11:3 reminds us that upright conduct provides direction, while duplicity ultimately destroys trust. In the benefits business, a broker who claims to represent the employer while also depending on carriers for compensation, incentives, or preferred relationships can create divided loyalties. A broker’s loyalty lies with whomever pays him. This is common agency law. True integrity means avoiding those conflicts, being transparent about compensation and relationships, and placing the employer’s interests first in both word and action. Primum Risk Strategies does not accept commissions or incentives from carriers, vendors, or service providers. We work on a fee-only basis with our employer clients. If we are required by a carrier or vendor to accept commissions, we fully disclose those to our clients and reduce our fee commensurately.
These principles define how Primum Risk Strategies conducts business every day. Fair dealing means rejecting hidden compensation and economic extraction. Humility means listening, remaining teachable, and putting sound judgment ahead of ego. Integrity means eliminating divided loyalties, disclosing financial relationships, and acting solely in the employer’s best interest. We believe Biblical values should be visible in business behavior—in how we are paid, how we evaluate vendors, how we negotiate contracts, and how faithfully we serve our clients. Our standard is simple: conduct business in a way that earns trust, creates real value, and honors God.