About Cardwell Associates
HERE'S WHY WE DO WHAT WE DO
At Cardwell Associates, we believe employers deserve clarity, control, and a benefits plan that respects both budget and employees. The right plan does not just save money, it improves lives.
A SMARTER APPROACH TO BENEFITS
Most employers do not wake up thinking they want to spend more money on a plan no one understands. Yet that is where many end up. Renewal season rolls in, costs go up, coverage goes down, and everyone pretends this is normal.
More than forty years later, Cardwell Associates exists for one simple reason: to help employers stop overpaying and start offering benefits that make sense. No upheaval, no confusing switches, no starting from scratch.
MEET DAVID AND MICHAEL
Cardwell Associates is led by David and Michael Cardwell, a team with decades of industry experience and the belief that benefits should actually benefit people.
David Cardwell
David has spent more than 40 years inside the system building strategies, fixing plans, and teaching advisors how to stop repeating expensive mistakes.
Michael Cardwell
Michael brings nearly two decades of leadership and operational experience, helping employers reduce cost, improve coverage, and make confident plan decisions without disruption.
WHAT MAKES US DIFFERENT
Most brokers show up once a year with a rate increase and a nervous smile. We do not. You keep your network, you get transparency, and you get measurable savings.
45+Years of experience
10,000+Employers helped
20%Average savings
WHAT MATTERS TO US
Most companies assume saving money means lowering coverage. It does not. Cardwell Associates has proven solutions that cut costs, improve coverage, and keep your trusted network intact.
PEOPLE FIRST
Benefits should support real people, not just renewals and rate sheets.
CLARITY
If you need a decoder to understand your benefits, something is wrong.
SAVINGS WITHOUT SACRIFICE
You should not have to choose between protecting your budget and your employees.
PARTNERSHIP
We guide, you stay in control, and everyone breathes easier.
A SMARTER PATH TO BETTER BENEFITS
Book a quick discovery call, review your current plan, and get a better benefits program that keeps your carrier and cuts costs by about 20%.