Validated Fiduciary™ Program

An implementation-ready blueprint to help employers meet the highest legal standards under ERISA and the CAA—while delivering better benefits at lower cost for employees and their families.

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Fiduciary Risk is Real - and it's Personal

In today’s regulatory landscape, fiduciary oversight failures can lead to costly lawsuits, reputational damage, and personal liability for executives and HR leaders. 


Under ERISA and the CAA, the stakes have never been higher. Without a clear, actionable plan, your organization risks non-compliance, financial penalties, and employee dissatisfaction with benefits. The question isn’t whether you can afford a solution—it’s whether you can afford to ignore the problem. 

Discover how the Validated Fiduciary™ Program shields you from Risk. 
FROM INSIGHT TO IMPLEMENTATION—WITH ACCOUNTABILITY BUILT IN

The Program

The Validated Fiduciary™ Program is more than just a training course—it’s a complete, actionable framework designed to help employers meet stringent legal standards while optimizing benefits for employees. Our comprehensive program combines education, tools, and validation to ensure you’re not just prepared, but protected. The program consists of the following key components:

  1. The Validated Fiduciary™ Online Course: Expert-led training to deepen your understanding of fiduciary responsibilities.
  2. The Health Plan Fiduciary Handbook - Essential Guide: A comprehensive handbook that serves as a foundational resource for fiduciary best practices and compliance.
  3. The Health Plan Fiduciary Handbook - Fast Start Kit: An implementation-ready toolkit with guides, templates, and checklists to put knowledge into action.
  4. The Validated Fiduciary™ Certification Test: A rigorous assessment to validate your team's understanding and application of fiduciary duties.
  5. The Validated Fiduciary™ Certificate: Upon successful completion, receive a digital certificate and recognition as a Validated Fiduciary™.
  6. The Validated Fiduciary™ Guarantee: You can qualify for our exclusive $100,000 Guarantee.


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Complete the program and you’re eligible for our $100,000 Validated Fiduciary™ Guarantee

And here’s the kicker: we’ll even work with your Fiduciary Liability Insurance carrier to reduce your premium.


By completing the Validated Fiduciary™ Program, you'll not only gain the knowledge and tools necessary to mitigate fiduciary risk but also earn recognition as a leader in fiduciary excellence.

We Stand Behind Your Progress with the $100,000 Validated Fiduciary™ Guarantee

  • By successfully completing the Certification Course and the first three steps of the Fast Start Kit, you’ll unlock unparalleled recognition and protection.

    You’ll qualify for our exclusive $100,000 Validated Fiduciary™ Guarantee—a testament to our commitment to your success. Additionally, we’ll collaborate with your Fiduciary Liability Insurance provider to explore opportunities for lowering your premiums, delivering even greater savings. 


Benefits of the Program


Mitigate Risk

Protect your organization and yourself from personal liability and costly lawsuits.

Save Costs

Deliver better benefits at lower costs for your employees and their families.

Build Confidence

Equip your team with the knowledge and tools to excel in fiduciary oversight.

Earn Recognition

Stand out as a Validated Fiduciary™ with a digital certificate. 

Financial Security

Unlock the $100,000 Validated Fiduciary™ Guarantee, safe-guarding your financial future.

Streamline Compliance

Implement best practices with actionable templates, checklists, and guides.
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What You Get

The Validated Fiduciary™ Program Toolkit

  • The Validated Fiduciary™ Online Course: Expert-led training to deepen your understanding of fiduciary responsibilities.
  • The Health Plan Fiduciary Handbook - Essential Guide: A comprehensive handbook that serves as a foundational resource for fiduciary best practices and compliance.
  • The Health Plan Fiduciary Handbook - Fast Start Kit: An implementation-ready toolkit with guides, templates, and checklists to put knowledge into action.
  • The Validated Fiduciary™ Certification Test: A rigorous assessment to validate your team's understanding and application of fiduciary duties.
  • The Validated Fiduciary™ Certificate: Upon successful completion of the Validated Fiduciary™ Online Course, receive a digital certificate and recognition as a Validated Fiduciary™
  • The Validated Fiduciary™ Guarantee:  Our exclusive $100,000 protection—securing your reputation and financial peace of mind as a fiduciary.
Flexible Plans for Organizations of All Sizes

Choose your plan

Each plan is designed to help you mitigate risk, strengthen compliance, and earn recognition as a leader in fiduciary excellence—choose the level that best fits your organization's needs and budget.

Standard Plan

$5,000
The best choice for most organizations.
  • Up to 10 participants 
  • Validated™ Fiduciary Program Education
  • Validated Fiduciary™ Certificate for each participant
  • $100,000 Validated Fiduciary™ Guarantee

Enterprise Plan

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Our premium offering with personalized support.

  • More than 10 participants
  • Validated™ Fiduciary Program Education
  • Validated Fiduciary™ Certificate for each participant
  • $100,000 Validated Fiduciary™ Guarantee
  • Dedicated Live Support
  • Expert - Led Online Sessions

Frequently asked questions

Who is the Validated Fiduciary™ Program for?

This program is designed for board directors, executives, HR leaders, and fiduciary committees responsible for health plan oversight under ERISA and CAA.

How long does the program take to complete? 

The self-paced Certification Course and Fast Start Kit are tailored for busy professionals, featuring concise, modular content that fits seamlessly into your schedule—completion takes just two hours or less.

What is the $100,000 Guarantee?  

By completing the Certification Course and the first three steps in the Fast Start Kit, you’re eligible to qualify for our $100,000 Guarantee that safeguards your professional reputation and provides security as a fiduciary.

How does this help with insurance premiums? 

We’ll collaborate with your Fiduciary Liability Insurance carrier to explore opportunities to reduce your premium, adding financial value to your investment.

What if we don't have Fiduciary Insurance?  

Even more reason to protect yourself. And if you decide to purchase insurance you can use the course as proof to the underwriters, you're a low risk.

How can this course save me money? 

The templates alone are worth more than $10,000 in legal fees. But the biggest return will come from reducing the cost of benefits. Many companies see 10%-30%+ reduction in benefit costs from compliant procurement processes.

About the Author

For over three decades, I’ve dedicated my career to healthcare leadership, pioneering innovative solutions that enhance value, quality, and affordability across the industry. My expertise spans health plans, health systems, physician groups, medical technology, and digital health companies.

Through this journey, I’ve realized that employer-sponsored health plans hold untapped potential to drive transformative change. By fully embracing their fiduciary responsibilities, employers can unlock a rare opportunity where compliance not only meets regulatory standards but also delivers measurable returns. The result? Sustainable cost reductions, superior employee benefits, and heightened satisfaction—all achieved simultaneously.

Having seen this impact firsthand across diverse organizations, I’m now channeling my insights and experience to empower employers. My mission is to help them harness The Health Plan Compliance Advantage—turning obligation into opportunity and reaping the rewards of a healthier, more productive workforce.
linkedin.com/in/stevenditto/
Steve@DittoAndAssociates.com

Don’t Wait—Protect Your Organization and Yourself Today

Fiduciary risk is personal, but so is the solution. Enroll in the Validated Fiduciary™ Program now to access the tools, training, and validation you need to meet legal standards, reduce costs, and earn recognition as a leader in compliance.

With our $100,000 Validated Fiduciary™ Guarantee, you can act with confidence.  Take the first step today!