Supplemental Benefits With Russ Goldner

August 3, 2020

Dear Valued Client,

I hope this letter finds you well.  It has been a very interesting year to say the least.  Times are ever evolving, but our goal at Saxon remains unchanged to ensure you have the best benefit experience possible.  In working with over 600 groups, we find this comes in many forms and fashions.

The one aspect of benefits that Saxon has provided through direct to carrier relationships is the supplemental benefit arena.  Supplemental benefits are plans many folks use to help offset the cost of a major medical procedure or the recent rise of deductibles.  In response to the more frequent request for these plans, I am excited to announce Saxon has decided to step into this arena to assist our clients directly.

Russ Goldner has joined Saxon as our Director of Supplemental Benefits.  With 15 years of experience in this discipline, Russ can assist in developing a supplemental benefits program that fits the needs of your company and, most importantly, the needs of your employees.

Supplemental benefits are an excellent means of complimenting your major benefit lines because they further enhance a benefit lineup assisting in both recruiting and retention.  These lines are voluntary, allowing your employees to opt for coverage that is best for them and their families, especially in filling potential gaps in their deductible funding or costs of living while recovering from a medical malady.

Russ will be following up with you to further discuss the advantages of providing supplemental benefits to your employees.  If you want to reach out to Russ prior to, he can be reached via email at or via phone at (513) 317-8412.


Jamie Charlton

Dayton Office with Beavercreek chamber ribbon cutting group photo

Saxon Financial Services Expands to Open Office in Dayton

Saxon Financial Services has broadens Ohio market footprint with expanded services and accessibility for Dayton area customers. COVID-19 related precautions and protocols have been established to protect staff and community while providing personal, friendly expertise to Dayton-area customers. Read on to learn more about this exciting announcement.

Dayton, Ohio – Saxon Financial Services is excited to announce the expansion of offices into the Dayton, Ohio area. This new office will be able to provide services such as: Employee Benefits, Supplemental Benefits and Corporate Retirement Planning (401, 403, Simple, SEPs). Eventually, Saxon will expand their individual wealth management team to the Dayton offices, too.

“Expansion in the Dayton market is a deliverable to our Dayton clients that has been in the works for some time, so I am very excited to have a physical presence in Dayton,” states Jamie Charlton, CEO at Saxon Financial Services.

Saxon has had the opportunity to maintain client relationships in Dayton and its surrounding suburbs for many years. Therefore, Dayton remains an important aspect of Saxon’s growth strategy. The success of Kettering native and Saxon Group Benefits Consultant, Kelley Bell, in the Dayton market during the past three years has provided Saxon the ability to maintain an active presence in the Dayton marketplace. The goal is to make Dayton aware they are fully committed to the communities they work in and serve. Kelley will be personally involved and in charge of their new Dayton office in Beavercreek Office Suites starting July 1, 2020.

Opening During COVID

Saxon is taking every caution they can to maintain a healthy and safe environment for each employee and client that walks through their doors. Saxon takes the recent outbreak of the COVID-19 virus seriously, and they continue to adhere to the rules set forth by Governor DeWine’s office. As a facilitator of client’s medical plans, they have been open the duration of the epidemic to ensure they are able to address clients’ concerns. During this time, they are allowing their staff the choice of working from home.

“As a facilitator of healthcare plans, we have seen the impact that COVID is having not only on the health of individuals but also small businesses. This pandemic has affected everyone on all levels. I have challenged our team at Saxon with the goal to make the life transitions people are experiencing as smooth as possible. This situation is not only creating physical maladies but is taking a toll on the mental aspect of everyone. It is crucial for everyone to understand the resources available to maintain their physical and mental well-being,” explains Charlton.

Overall, Saxon is excited to be able to expand into the area of Dayton.

“The expansion of Saxon to the Dayton market is an exciting time for our firm. Given our past and current success in this market, it is a move that simply makes sense. I am further excited to have Kelley Bell serving as our market leader in this space. Kelley was born and raised in Dayton, and she has always called Dayton home. I know she will continue to deliver to the Dayton small business community impactful solutions to the ever changing employee landscape,” states Charlton.

About Dayton Market Leader

Kelley Bell, Dayton Market

Kelley Bell has over 25 years of experience in the financial industry. Kelley enjoys partnering with business owners and those responsible for choosing benefits for their employees. She understands that every business is unique and is dedicated, accessible and proactive in serving the needs of each client. Kelley has a strong business network and serves the Dayton and Cincinnati markets. She has recently been named Dayton Chamber’s 2019 Ambassador of the Year award recipient. This award honors the ambassador who demonstrated exemplary efforts in working with members each year.

About Saxon Financial Services

From employee benefits and insurance to wealth management and retirement, Saxon’s team of experts is knowledgeable on cutting-edge techniques that focus on controlling rising healthcare costs while still delivering solutions with compassion and transparency to you and your organization. With caring, knowledgeable experts working to service your needs, Saxon brings an element of strategic innovation to the conversation. We strive daily to lay the foundation for long-term relationships with our clients because we care about being a partner you can count on.


For more information, you can contact Brianna Louder, Saxon’s Marketing and Community Outreach Coordinator, at or 513.774.5480

Rising Health Care Costs: Driving Factor Causing Changes to Employer Health Plans, SHRM Survey Finds

Get the latest trends in healthcare benefits in the survey conducted by SHRM.

Original Post from on July 13, 2016

Rising health care costs remain a primary driver for how other benefit costs are allocated, as employers continue evaluating the impact of the Affordable Care Act.
According to a new survey from the Society for Human Resource Management (SHRM), preferred provider organization (PPO) plans (offered by 84 percent of U.S. employers) continue to be the most common type of health care coverage. However, consumer-directed health care plans such as health savings accounts (HSAs) increased from 2012 and 2015, as did employer contributions to HSAs compared with 2012 (both by 7 percent).


Other health care findings:
  • Ninety-six percent of organizations offered some type of health care plan to their employees.
  • Mail order prescriptions have gone down by 6 percent over the past five years.
  • Eighty-five percent of organizations offer mental health coverage, compared to 91 percent just last year.
  • Organizations were evenly split as to whether they offered coverage to spouses who had access to health care coverage through another employer, or if there was a spousal surcharge for health care coverage.
  • Several new health-related items added to the survey this year: health care services such as diagnosis, treatment or prescriptions provided by photo or video (23 percent), high deductible health plan not linked to an HSA or a health reimbursement account (HRA) (17 percent), genetic testing coverage for diseases such as cancer (12 percent) and a smoking surcharge for health care plans (20 percent).


View the full survey online.


Read the full press release on this survey here.


Unknown (2016, July 13). Rising health care costs: Driving factor causing changes to employer health plans, SHRM survey finds [Web log post]. Retrieved from