The Lofton Agency

06/20/2026

Education Saturday…

What is a SIMERP?

A SIMERP (Self-Insured Medical Expense Reimbursement Plan) is an employer-sponsored benefits strategy that uses provisions of the tax code (typically Sections 105 and 125) to reduce payroll taxes and provide additional employee benefits. It is an ongoing employee benefits program, not a government loan or grant.

Was the PPP Loan a SIMERP?

No, the PPP (Paycheck Protection Program) was not a SIMERP.

The PPP was a federal COVID-19 relief program created under the CARES Act. It provided forgivable loans to businesses to help keep employees on payroll during the pandemic. If the money was used properly (primarily for payroll and certain business expenses), the loan could be forgiven and effectively become a grant.

I EHP a SIMERP?

Yes, it is!

What is the connection between the PPP and EHP?

The reason they often get mentioned together in your EHP/SIMERP conversations is that:

* PPP showed which companies had employees and payroll.
* Companies that qualified for PPP often have the type of workforce that may qualify for SIMERP/EHP savings.
* Both programs can improve cash flow, but they do it in completely different ways.

For example, if a company received a PPP loan in 2020, that does not automatically mean it had a SIMERP. However, that PPP recipient may be a strong prospect for an EHP/SIMERP review because it already demonstrated payroll expenses and employee headcount.

“The PPP was a temporary government relief program. EHP/SIMERP is an ongoing IRS-compliant employee benefits strategy that may reduce payroll taxes and enhance employee benefits year after year.”

Every employee that jumps out of bed before the sun comes up to get the children off to school then hits the clock from 9 to 5 deserves the comforts EHP.

Owners, CEO’s, CFO’s, POE’s and Directors, you all deserve the payroll tax breaks that EHP provides. Hit me up and let’s see if you all qualify.

Employers, contact me at [email protected]

06/17/2026

Good Decisions…

I’ve always known I was meant to lead. Even as a young boy in elementary school, I found myself stepping into leadership roles. Throughout school, I served as President of 4-H, President of FFA, and President of my class. Leadership wasn’t something I learned later in life—it has always been part of who I am.

I was also blessed to be a competitor. I played running back for a small Alabama high school and was part of the team that helped bring home the first three of what would eventually become twenty-five state football championships. Those experiences taught me discipline, teamwork, perseverance, and the importance of doing your part when others are depending on you.

My greatest accomplishment, however, has nothing to do with sports, business, or awards. I have been married to my beautiful wife, Lula, for 44 years. Together, we have raised two children and have been blessed with three wonderful grandchildren. Family has always been the foundation upon which everything else in my life has been built.

I also spent nearly twenty years serving our country in the military. Those years taught me lessons that continue to guide me every day: integrity matters, your word matters, and true leaders lead from the front. The military reinforced values that have shaped both my personal life and my business career.

Along the way, I pursued another passion—fitness. Through years of dedication, sacrifice, and hard work, I earned the title of Mr. Alabama Bodybuilding Champion. Bodybuilding taught me that success rarely comes from talent alone. It comes from consistency, discipline, and the willingness to keep going long after most people have quit.

Professionally, I have been in business since 1992. Like many entrepreneurs, I’ve experienced both success and failure. I’ve made good decisions and some not-so-good decisions. I’ve trusted people who earned that trust and trusted others who didn’t. Through it all, I’ve learned that business is ultimately about relationships and serving people.

Today, my focus is on helping businesses reduce costs, improve employee benefits, and create opportunities that strengthen both employers and employees. I am involved in several ventures, including healthcare solutions, renewable energy, and nonprofit work. One of my passions is helping organizations find practical solutions that improve lives while creating long-term value.

I’m also deeply committed to building solar energy projects and creating opportunities that can benefit communities for generations. I believe we should leave things better than we found them, and I try to bring that mindset into every project I pursue.

Faith has played a major role throughout my life. I believe God gives each of us gifts, talents, and opportunities, but He also gives us challenges. The challenges are often where the greatest lessons are found. Some of the hardest experiences I’ve faced have become the most valuable teachers.

At this stage of my life, I am not chasing titles or trophies. I’m focused on building a legacy. I want to leave behind something meaningful—something my children and grandchildren can be proud of and continue long after I am gone.

I believe success is measured by more than money. It’s measured by the lives we impact, the promises we keep, the people we help, and the legacy we leave behind.

So, in a nutshell, that’s who I am: a husband, father, grandfather, veteran, entrepreneur, bodybuilder, man of faith, and someone who still believes the best chapters of life are yet to be written.

As for the rest of the story, you’ll have to wait for the book. 😄

05/16/2026

Koufax…

05/16/2026

Money Everlasting…

If you own a business with 10+ employees, I can provide NoCost Healthcare benefits for ALL of your employees AND their families. In addition, I can save you $640 per employee per year in payroll taxes. However, you must qualify by having a 15-30 minute conversation with my boss. A win-win for employers and employees. The money and benefits are real and they are everlasting as long as you have 10+ employees.

This video describes the EHP preventive healthcare program with $640 annual savings per employee in F**A taxes. No Cost to the company and a net-zero cost to...

05/07/2026

Honest to God…

Do you guys remember the PPP Program back in 2020? They called it a “loan,” but for many people it became a true financial blessing during one of the hardest times in our lives.

My wife and I both qualified and received $20,000 each. How did I even learn about it? God placed a tax specialist directly across the street from my home. We became friends, and she taught me how to complete the paperwork. Through that connection, I helped 12 people receive PPP funding.

“But Robert, why didn’t more people take advantage of it?”

The truth is… I told nearly 50 of my closest friends about it. Thirty-eight of them said, “That sounds too good to be true.”

What I told them then is what I’m telling you now:

Sometimes God sends a blessing exactly when you need it most — but you have to recognize it when it arrives.

For the past several days, I’ve been talking to you about a NEW government-supported program called the Essential Health Plan (EHP).

This program offers NO-COST healthcare coverage for employees AND their families. Most traditional insurance plans focus only on the employee, but EHP was designed to help the entire household.

Here’s what makes it even more powerful for employers:

Companies can potentially receive a F**A tax savings of approximately $640 per employee per year.

• 10 employees = approximately $6,400/year in savings
• 200 employees = approximately $128,000/year in savings
• 500 employees = approximately $320,000/year in savings

Every single year.

Do the math for yourself.

I’m always looking for legitimate ways to reduce taxes and strengthen businesses. Aren’t you?

EHP was designed with BOTH the employer and employee in mind. It was created to help working people — the people who get up every morning and keep America moving.

Will everyone qualify? No.

But one thing is certain:

You absolutely will not qualify if you never ask.

If you own a company with 10 or more employees, or know someone who does, reach out to me. Let’s see if this program can help your business and your employees.

04/16/2026

Business Owners — Are You Leaving Money on the Table?

Many companies don’t realize there are programs tied to F**A that can:

✔️ Provide health benefits to employees at no cost
✔️ Generate up to $640 per employee per year back to the business
✔️ Improve retention and employee satisfaction

This isn’t a loan. It’s not a gimmick. It’s a structured program designed to help both employers and employees.

If you have 25+ employees, it’s worth a conversation.

I’m now working with the Essential Health Plan (EHP) to help businesses understand and access these benefits.

👉 If you’d like to see if your company qualifies, let’s connect or message me directly.

04/16/2026

Who Is Robert Lofton?

I am a business owner, energy advocate, and community builder focused on creating long-term solutions that impact both people and the planet.

Through The Lofton Agency, LLC and my work in solar energy, I am committed to helping communities understand and access clean, sustainable power. I believe energy is not just a utility — it is the foundation of independence, security, and generational legacy.

My mission is simple:
To help create a future where families never have to worry about whether the lights will stay on.

I am also the founder of a nonprofit initiative dedicated to supporting families and strengthening communities, because real success is not just measured in business — it is measured in impact.

With decades of experience, resilience through challenges, and a clear vision forward, I am focused on:
• Expanding access to solar energy
• Building strategic partnerships
• Creating opportunities for others
• Leaving a legacy for the next generation

If you are interested in clean energy, community impact, or collaboration opportunities, let’s connect.

In addition to my work in solar energy and community development, I also help businesses explore strategic benefit programs that can reduce costs while supporting their employees.

Through the Essential Health Plan (EHP), I work with companies to identify opportunities tied to existing tax structures that may provide health benefits to employees at no additional cost, while potentially creating financial advantages for the business.

If you are a business owner with 25 or more employees and are open to exploring new solutions, I welcome the conversation.