Steve Smith

(Steve Smith, pictured. Photo by Jim Olvera)

Nobody's ever accused Steve Smith of playing it safe. He's takensome chances most small employers wouldn't even consider (and mostbrokers wouldn't recommend).  But with the benefit ofhindsight we see that he isn't so much a gambler as an earlyadopter. And it's because of Smith's willingness to take calculatedrisks that his company is having another record-setting year andfinds itself well-positioned looking ahead to 2014, when most ofthe health reform provisions will take effect.

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