ReFrame exists because we kept asking an awkward question:
If workplace wellness and benefits are supposed to help people, why do so many of them feel so… unhelpful? 

Our story begins as Corporate Occupational Solutions, where we worked hands‑on in workplace health and wellness. We saw the good intentions, the glossy programs, and the well‑designed binders. We also saw the disconnect — plenty of effort, not nearly enough impact.

So our founder, Antonio Zivanovic, did what any curious, slightly stubborn problem‑solver would do: he zoomed out. Instead of treating wellness as a standalone initiative, he shifted into employee group benefits consulting and strategy, where the real levers for long‑term health, engagement, and results actually live. 

‍That shift flipped the script — and the ReFrame Financial Group was born. 

Today, we’ve grown beyond group benefits into individual and commercial insurance solutions, backed by a team with 100+ years of combined industry experience. We’ve intentionally assembled people who know the industry inside out — and still believe it can be done better. 

No fluff. No one‑size‑fits‑all answers. Just smart strategy, clear advice, and benefits that actually make sense for real businesses and real people. 

That’s how we got started. And honestly? We’re just warming up.