I recently was at the four-star Jefferson Hotel in Richmond, Va., to speak to Anthem's top-performing Virginia agencies on reinventing their firms for post-reform success. For me, there are three essential amenities for an elite hotel. At the Jefferson, I found the three amenities I expect at such a hotel: glassware, a fluffy robe and plush five-foot (or bigger) bath sheets. But what are the essential, baseline offerings of an elite, reform-proof 21st Century Agency?

As I help our agency clients reinvent their firms to survive and prosper in the post-reform world, the first order of business is strategically diversifying the portfolio to bring massive business value to the client. There are three portfolio items that every successful benefits firm should offer if they want to stay profitable and remain relevant by driving the client's benefits strategy:

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