Health & Benefits

Customized, Independent Group Insurance and Health Benefits for Family Business

Your health is important to you and we know how to protect it. Our priority is to provide the right mix of personal and group employee benefits to you and your businesses. We are independent, allowing us to deliver custom plans to you and your employees throughout the life of your company, matching your needs to the provider.

Risk management is at the core of our financial management philosophy. We offer a broad range of insurance vehicles to protect you and your businesses from unforeseen disasters and crises.

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Group Insurance

Managing risk through customized disability, life,
and critical illness insurance

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Group Health Benefits

Customized extended health and dental benefits packages

Charles Boldt


Charles is responsible for all aspects of employee and corporate benefits management for The Terra Cotta Financial and Oxygen Working Capital client group, including forecasting, budgeting, tax and legal compliance, and reporting of group insurance and retirement plans. He guides the analysis process, plan modelling, adjustment and implementation of new programs and the development of risk controls to ensure the sustainability of client plans.

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Brent Dufton

Senior Consultant

Brent manages the Health & Benefits consulting division of The Terra Cotta Financial Group and Oxygen Working Capital. His responsibilities include: proper process guidance, forecasting, tax and legal compliance, and continuous reporting. He helps deliver sustainable benefit solutions to employers, by delivering superior value and driving down cost.

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