In modern day America, employees are looking for benefits more than ever. The Phelps Agencies is able to provide needed benefits on both a pre-taxed and post-taxed basis. In order to accomplish this, we work with local businesses to introduce our Section 125 program. This program does not cost an employer anything due to it being employee funded. In fact, our Section 125 program has the ability to help save employers on payroll taxes and employees of income taxes.