Complete Seven-Module Program
$997 totalOne participant • seven core modules • required instructor-reviewed capstone • knowledge checks • final examination • certification after satisfying all requirements
Enroll now — $997Professional benefits-advisor education
Build the knowledge to advise employers with confidence.
More than a basic course, the Nexus125™ HR Partner Program is a comprehensive professional-learning experience connecting employee benefits, Section 125 strategy, ACA employer responsibilities, documentation, IRS response-readiness and employer advisory practice.
Enroll & access your training
Choose your enrollment option—or continue your course.
New participants can complete secure enrollment below. Returning participants can open the Nexus125™ learning portal using the email address and access credentials assigned to their registration.
Coordinated Team Enrollment
$897 per participantFull seven-core-module program and required capstone access for each registered participant with coordinated onboarding.
Enroll a teamOrganizational Enrollment
$797 per participantFull program access for every registered participant. Groups of 11 or more receive a custom proposal.
Enroll an organizationProtected course delivery
Training is assigned after enrollment—not shared through public lesson links.
This public page is the program catalog. Course content is released only to verified individual learners or participants authorized by a sponsoring employer.
- 01Enroll or receive sponsorship
Complete payment or be included on an approved employer roster.
- 02Verify the learner
Nexus125 confirms the registered name, email and purchased offering.
- 03Receive assigned access
The secure portal provides access only to the course or package authorized.
- 04Complete and document
Progress, assessments and qualifying completion requirements remain tied to the registered learner.
Access safeguards
Credentials, access codes and course links are individual, confidential, non-transferable and time-limited. Sharing credentials or links, recording, copying, redistributing or republishing course content is prohibited. Nexus125™ may suspend or revoke access when unauthorized use or distribution is identified.
Two learning experiences · one program
Choose the presentation that supports your learning.
Both experiences are accessed through the secured Nexus125 learning portal. Learners may use either presentation or both for review; they do not need to complete two separate programs. Standard access is 90 days.
Nexus125 Professional Learning
The structured instructional experience with exercises, professional workpapers and the official assessment pathway.
Mindsmith Guided Learning
The complementary visual, narrated, avatar-led experience for guided learning and review.
Self-paced study-time guide
Plan 24–30 hours for the core program, including the capstone.
These are self-paced study estimates, not measured seat time or continuing-education credit hours. Individual study needs vary. Instructor review turnaround is separate.
| Module or activity | Estimated study time |
|---|---|
| Module 1 | 3–4 hours |
| Module 2 | 3–4 hours |
| Module 3 | 3–4 hours |
| Module 4 | 2–2½ hours |
| Module 5 | 2–2½ hours |
| Module 6 | 3–3½ hours |
| Module 7 | 3–3½ hours |
| Applied employer capstone and submission preparation | 3–4 hours |
| Orientation, supplemental review and final examination | Approximately 2 hours |
| Core total — INCLUDING the capstone | 24–30 hours |
| Optional Module 8 — excluded from the core total | 2–3 ADDITIONAL hours |
Required instructor-reviewed capstone
Apply the coursework to a fictional employer case.
Produce professional workpapers and a coordinated readiness/action plan that brings the seven core modules together.
Certification requires completion of all required coursework and activities, a score of at least 80% on the final examination and satisfactory instructor review of the capstone.
Debbie Kaglear or a trained and certified advisor performs the review. Instructor review turnaround is separate from the study-time estimates. No review deadline or instant certificate issuance is promised.
Optional Module 8 · 2–3 additional hours
Medicare Transition & Retirement Readiness
Support aging or retiring employees as they prepare to transition to Medicare. Explore MECOS — the Medicare Employer Compliance Operating System — as a Medicare readiness resource.
Module 8 is optional. Its estimated 2–3 study hours are additional to, and excluded from, the 24–30-hour core program total. The seven core modules and required instructor-reviewed capstone form the core certification pathway.
The value of completion
Complete the program benefits-advisor ready—with knowledge employers can immediately value.
Participants receive a wealth of connected knowledge—not a surface-level review of benefit terminology. They learn how Section 125, major medical, MEC, Minimum Value, ACA employer responsibilities, employee ramifications, documentation and IRS penalty exposure connect in a real employer engagement.
Be benefits-advisor ready
Develop the in-depth employee-benefits knowledge and employer-consulting framework needed to lead stronger discovery conversations, explain plan strategies and support annual benefit reviews.
Master Section 125 strategy
Understand POP, FSA and DCAP arrangements, eligible pre-tax benefits, payroll coordination, employer tax-saving opportunities and the importance of disciplined plan administration.
Navigate ACA employer compliance
Gain working knowledge of MEC, Minimum Value, affordability, Applicable Large Employer responsibilities, employee ramifications and the records that support compliance readiness.
Recognize IRS penalty exposure
Learn how documentation gaps and employer shared-responsibility issues may lead to IRS correspondence, including Letters 226J and 227, and how to help employers prepare for a coordinated response.
Your investment develops professional capability—not just course completion.
Successful participants leave better prepared to serve as knowledgeable benefits advisors: recognizing compliance concerns, explaining benefit and Section 125 strategies, supporting employer reviews, strengthening documentation practices and coordinating with payroll, TPA, legal and tax professionals when specialized guidance is required.
A consistent path for every selection
From course selection to confident application.
Every Nexus125™ learning option follows a structured experience so participants understand what happens before enrollment, during training and after successful completion.
- 01
Select your training
Review the outcomes, subject matter, delivery format, price and completion requirements.
- 02
Enroll and pay securely
Choose the appropriate individual, webinar or team option and complete secure Stripe checkout.
- 03
Complete onboarding
Receive your welcome message, enrollment agreement, access instructions, timeline and participant forms.
- 04
Begin the learning experience
Complete assigned lessons, workbook exercises, employer scenarios and supporting resources.
- 05
Apply the knowledge
Practice discovery conversations, identify compliance concerns and connect benefit strategies to employer situations.
- 06
Complete assessments
Finish required coursework and activities, earn at least 80% on the final examination and submit the required capstone for satisfactory instructor review for program certification.
- 07
Receive your certificate
Receive a course-specific certificate after satisfying the applicable completion requirements.
- 08
Continue your development
Schedule an assessment, enroll in advanced education or request employer-specific implementation guidance.
Employer and group enrollment
A coordinated organizational workflow.
Employer-sponsored training includes defined scope, participant coordination and completion reporting.
- 1Select the service or training option
- 2Schedule an assessment
- 3Confirm scope, participants and delivery format
- 4Sign the engagement agreement
- 5Submit the participant roster
- 6Complete coordinated onboarding
- 7Participate in training and assessments
- 8Receive certificates and an employer completion report
Why the program carries substantial value
A deep body of knowledge designed for real employer conversations.
The value is not measured by module count alone. It comes from the range of subjects, the way the concepts are connected, the practical tools and the ability to apply the learning in benefits-advisory and employer-support settings.
A connected compliance framework
See how employee benefits, Section 125, payroll, ACA employer responsibilities, MEC, Minimum Value and documentation work together—rather than learning each topic in isolation.
Employer-facing application
Use discovery questions, advisory methodology, enrollment concepts and annual-review practices to turn technical knowledge into more confident employer conversations.
Documentation and IRS readiness
Build awareness of waivers, eligibility and enrollment records, required notices, defensible compliance files and the coordinated response process for IRS Letters 226J and 227.
Resources that extend the learning
Reinforce the curriculum through knowledge checks, applied exercises, a glossary, reference materials, exam preparation and a final assessment—not passive video viewing alone.
Advanced executive application component
Apply benefits knowledge through a fractional executive lens.
This advanced component strengthens the existing Nexus125™ program by showing experienced participants how benefits, payroll, compliance-readiness, documentation and vendor responsibilities are evaluated and communicated at the leadership level.
Fractional Benefits & Compliance Executive Application
- Executive benefits governance and professional boundaries
- Leadership assessments, findings and risk priorities
- HR, payroll, broker, carrier and TPA responsibility mapping
- Compliance calendars and 90-day implementation roadmaps
- Executive communication and capstone application
Documented learning milestones
A course-specific Certificate of Completion for every completed Nexus125™ course.
Participants receive a professionally issued digital certificate after satisfying the attendance, participation or knowledge-check requirements established for the applicable course. Each certificate identifies the participant, completed course, completion date and unique certificate number.
Course certificates document completion of an individual learning experience. The separate Nexus125™ HR Partner Program credential is awarded only after all required program modules and activities are completed and the participant earns at least 80% on the final examination and receives satisfactory instructor review of the required capstone.
Certificate of Completion
This certifies thatParticipant Namehas successfully completedCourse Title
Debbie Kaglear, M.Th. • Founder & Lead Instructor
Eligible course certificates
- Benefits Foundations & ACA Compliance
- Section 125 Cafeteria Plans
- Plan Compliance — ERISA, Testing & COBRA
- Advisory Practice & Employer Strategy
- Advanced Topics & Exam Preparation
- Compliance Documentation & IRS Response
- Filing Operations & Information Returns
- ACA Employer Readiness Webinar
- Section 125 Administration Webinar
- IRS Notice & Penalty Preparedness Webinar
Private workshops and customized classroom programs may also include certificates when attendance and completion requirements are defined in the engagement agreement.
Verified private issuance
Certificates are issued directly by Nexus125™ after completion is verified.
Blank certificate templates are not publicly available. Eligible participants receive their personalized digital certificate after Nexus125 confirms the applicable attendance, participation, coursework and examination requirements, including satisfactory instructor review of the required capstone for the HR Partner Program credential.
Professional pricing options
Choose the level of education and support that fits your goals.
From individual enrollment to a comprehensive organizational partnership, every Nexus125™ option is designed to deliver practical value, stronger benefits knowledge and clearer compliance-readiness processes.
Program Enrollment
Professional education for individuals and teams building practical Section 125, ACA and employer-benefits capability.
Complete Seven-Module Program + Required Capstone — Individual Enrollment
$997 totalThe $997 price covers all seven core modules collectively—not $997 per module—and the required instructor-reviewed capstone. Includes integrated advanced administration resources, knowledge checks, final examination and downloadable learning resources. Certification is awarded after all requirements are satisfied.
Enroll in all seven modules — $997Team Enrollment
$897 eachFull program access for every participant with coordinated enrollment.
Enroll a teamOrganization Enrollment
$797 eachFull program access for every participant with coordinated enrollment. Groups of 11 or more receive a custom quote.
Enroll an organizationAdvisory & Compliance-Readiness Services
Focused educational support for employers and professionals who want clearer priorities, stronger processes and practical next steps.
Strategy Session
$295 per hourA focused conversation about your goals, current questions and recommended next steps.
Book a strategy sessionReadiness Review
From $1,500Structured document and process review with a written educational gap summary.
Request a readiness reviewCustom Advisory
Custom quoteExpanded support based on workforce size, plan complexity and engagement scope.
Request a proposalLive Public Webinars
Accessible live education for individuals and employer teams seeking a focused introduction or deeper series.
Single Webinar
$197 per instructional hourOne 60–90 minute live session • additional 30 minutes billed at $98.50 • Q&A • digital workbook • 7-day replay
Reserve the first hourThree-Part Webinar Series
$497 per participantACA readiness • Section 125 administration • IRS documentation and penalty preparedness
Reserve the seriesEmployer Team Pass
$795Five seats for one public live webinar under a single employer registration.
Reserve a team passPrivate Virtual & Onsite Classroom Training
Facilitated education for employers, payroll companies, HR firms, benefits agencies and professional organizations.
90-Minute Virtual Workshop
$1,495Focused topic • facilitated presentation • live Q&A
Purchase this workshopHalf-Day Customized Session
$2,995Tailored agenda • facilitated instruction • participant resource handout
Purchase half-day sessionFull-Day Customized Session
$4,995Expanded curriculum • facilitated instruction • participant resource handout
Purchase full-day sessionHalf-Day Onsite Classroom
From $4,500Customized four-hour agenda • resources • facilitated Q&A • travel quoted separately. The deposit reserves scheduling and is credited toward the final contracted fee.
Pay $2,250 scheduling depositFull-Day Onsite Intensive
From $7,500Expanded curriculum • applied exercises • resources • facilitated Q&A • travel quoted separately. The deposit reserves scheduling and is credited toward the final contracted fee.
Pay $3,750 scheduling depositPremium Employer & Professional Services
High-value engagements for organizations seeking deeper education, stronger compliance-readiness systems and team development.
Employer Section 125 Readiness & Implementation
$5,000Leadership consultation, benefits and payroll workflow review, Section 125 document inventory, election and waiver review, compliance calendar, HR education, sample forms, written readiness summary and follow-up strategy session.
Pay scheduling depositPrivate Program Cohort
$5,000Seven-core-module access with the required instructor-reviewed capstone, private orientation, facilitated sessions, handbook and workbook, compliance toolkit, employer scenarios, examination, progress tracking, completion report and certificates for qualifying participants.
Discuss a private cohortHR Compliance Partner Program
$10,000Leadership discovery, HR and benefits assessment, Section 125 and ACA readiness review, documentation and workflow assessment, compliance calendar, customized education, strategy sessions, templates, written findings, implementation roadmap and follow-up support.
Pay engagement depositReady for secure online enrollment:
Fixed-price selections will connect to secure Stripe checkout. Customized, “from” and scope-based services begin with a consultation or written proposal. Travel, lodging, venue, printing and specialized customization are quoted separately when applicable.
Customized agreement provided privately:
Training, advisory, onsite and fractional executive engagements are confirmed through a private electronic agreement outlining the selected scope, fees, schedule and applicable terms. Editable agreements and internal client templates are not publicly displayed or downloadable.
Full course outline
From benefits foundations to a defensible compliance file.
All seven core modules below and the required instructor-reviewed capstone are included collectively in the $997 Individual Enrollment. Advanced administration and regulatory resources are integrated into the curriculum. The module blocks describe one complete program, not separate $997 purchases.
Benefits Foundations & ACA Compliance
Establish the employer-benefits foundation and connect coverage design to ACA responsibilities.
- Introduction to employee benefits
- Major medical and Minimum Essential Coverage (MEC)
- Minimum Value (MV), affordability and the ACA employer mandate
- Potential employer ramifications under Internal Revenue Code §4980H
- Employee ramifications: job-based offers, Marketplace coverage and premium tax credits
- Knowledge check: benefits foundations and ACA
Section 125 Cafeteria Plans
Understand the written-plan framework that supports eligible pre-tax elections and disciplined administration.
- Section 125 foundations and cafeteria-plan purpose
- Eligible benefits, elections and payroll coordination
- Employer tax-savings strategy
- Knowledge check: Section 125 plans
Plan Compliance — ERISA, Testing & COBRA
Recognize the documents, testing responsibilities and continuation-coverage considerations surrounding benefit plans.
- ERISA and plan documentation
- Nondiscrimination testing awareness
- COBRA implications
- Knowledge check: ERISA, testing and COBRA
Advisory Practice & Employer Strategy
Translate compliance awareness into a consistent employer-discovery, enrollment and advisory process.
- Enrollment and administration
- Employer positioning strategy
- Practice: employer discovery conversation
- Nexus125™ consulting process
- Voluntary-benefits integration
- Sales and scaling strategy
- Knowledge check: advisory practice
Advanced Topics & Exam Preparation
Bring strategic employer-advisory concepts together and prepare to demonstrate practical comprehension.
- Additional strategic topics for employer advisors
- Employer compliance awareness and risk reduction
- Knowledge check: compliance awareness and risk reduction
- Pre-exam study guide
Compliance Documentation & IRS Response
Build response-readiness around employee records, required notices, IRS correspondence and defensible documentation.
- Employee eligibility, enrollment and medical-plan waivers
- ACA full-time considerations and required benefit notices
- Responding to IRS Letters 226J and 227
- IRS Publication 969: HSAs and other tax-advantaged health accounts
- IRS Publication 503: child and dependent-care expense rules
- IRS Form 8962: Premium Tax Credit reconciliation for Marketplace coverage
- Building a defensible compliance file
- Knowledge check: documentation and IRS response
Filing Operations & Information Returns
Connect employer records, information-return preparation and filing operations to a coordinated compliance-readiness workflow.
- Forms 1094-C and 1095-C: employer reporting workflow
- Forms 1094-B and 1095-B: coverage-provider reporting distinctions
- ACA Information Returns (AIR) filing operations and submission preparation
- Data validation, reconciliation, corrections and filing evidence
- Professional workpapers and knowledge check: filing operations
Integrated advanced learning resources
Advanced Benefits Administration & Regulatory Resources
No additional charge
These advanced resources are integrated across the seven core modules, applied exercises and required capstone. They reinforce administrative controls, documentation practices and regulatory awareness within the expanded curriculum; they are not a separate required module or a second program.
FSA, HSA and DCAP administration
Permitted midyear election changes
Claims, substantiation and reimbursement controls
Form 5500 filing awareness
COBRA coordination
HIPAA privacy and security awareness
ERISA fiduciary responsibility awareness
IRS, DOL and CMS regulatory-update monitoring
Annual compliance and curriculum review practices
Applied employer scenarios and knowledge assessment
What this adds:Deeper readiness to recognize administration gaps, discuss operational responsibilities and help employers coordinate appropriate next steps with payroll, TPAs, brokers, legal counsel and other qualified professionals.
Ready to begin the complete program?
Enroll in all seven modules — $997 totalYour single $997 enrollment provides Modules 1–7 and the required instructor-reviewed capstone as one coordinated learning experience.
MEC, Minimum Value and real-world impact
Clear distinctions for employers and employees.
MEC and Minimum Value are related ACA concepts, but they are not interchangeable. Nexus125™ teaches participants to recognize the distinction and understand why affordability and employee premium-tax-credit eligibility also matter.
MEC
Minimum Essential Coverage addresses whether qualifying health coverage exists. The course connects MEC offers and enrollment evidence to employer reporting, waivers and employee records.
Minimum Value
Minimum Value is a separate standard. Training explains the 60% plan-value concept, substantial physician and inpatient-hospital coverage, and why MV must be evaluated alongside affordability.
Employer ramifications
Participants examine Applicable Large Employer status, full-time considerations, offer strategy, reporting coordination, potential §4980H exposure and timely response to IRS correspondence.
Employee ramifications
Participants learn how an employer coverage offer may affect employee contributions, waiver decisions, Marketplace options and possible eligibility for premium tax credits.
Live Nexus125™ webinars
Practical compliance education—delivered live and ready to apply.
Join a focused public webinar or enroll your team. Each session connects ACA, Section 125 and employee-benefits compliance concepts to employer responsibilities, documentation practices and IRS penalty exposure.
$197 per instructional hour
One 60–90 minute live session with Q&A, a digital workbook and a 7-day replay. If the full 90 minutes is selected, the additional 30 minutes is billed at the prorated rate of $98.50.
Reserve the first hour — $197$497 per participant
ACA readiness, Section 125 administration, and IRS documentation and penalty preparedness.
Reserve all three — $497$795 for up to 5
Bring your HR, payroll or benefits team to one public live webinar under one registration.
Reserve a team pass — $795Compare webinar optionsCall 866-413-8777
Public webinar registration is educational and separate from private organizational workshops, consulting, and legal or tax advice. Upcoming dates are announced as scheduled.
In-person onsite classroom training
Bring the Nexus125™ learning experience directly to your organization.
Designed for employers, payroll companies, HR firms, benefits agencies and professional associations that want a facilitated classroom experience with live discussion, organization-specific emphasis and practical application.
Nexus125™ program credential standards
A defined standard for knowledge, assessment and professional conduct.
The Nexus125™ HR Partner Program connects technical benefits education with measurable completion requirements and practical commitments for employer-facing work.
Core competencies
- Employee Benefits Fundamentals
- Major Medical Plan Structures
- Minimum Essential Coverage (MEC) & Minimum Value (MV)
- ACA Employer Compliance & IRS Employer Shared Responsibility
- Section 125 Cafeteria Plans (POP, FSA, DCAP)
- Employer Tax Savings Strategies
- ERISA Documentation Requirements
- Nondiscrimination Testing
- Enrollment Administration
- Voluntary Benefits Integration
- Employer Consulting Methodology
- FSA, HSA & DCAP Administration
- Permitted Election Changes, Claims & Reimbursement Controls
- Form 5500, COBRA, HIPAA & ERISA Fiduciary Awareness
- Regulatory Monitoring & Annual Compliance Review
Completion requirements
- Complete all seven required core modules and activities
- Earn satisfactory instructor review of the required applied employer capstone
- Pass the Final Examination with a score of 80% or higher
- Acknowledge adherence to applicable compliance standards
- Demonstrate understanding of employer-benefit strategies
Professional commitments
- Lead with compliance expertise in every employer engagement
- Maintain current knowledge of IRS, DOL and ACA regulatory updates
- Partner with TPAs, payroll providers and compliance professionals
- Conduct annual compliance reviews for every employer client
- Position Section 125 as a strategic business tool—not an administrative add-on
Credential scope: Successful participants receive a Nexus125™ program-issued credential or certificate of completion. It is not a government license or independent third-party accreditation and does not authorize legal or tax advice.
Copyright, trademark and permitted use
© 2026 Nexus125 LLC. All rights reserved. Nexus125™ and the Nexus125™ HR Partner Program are trademarks of Nexus125 LLC. Course materials are provided to authorized participants for personal study and internal reference. No portion may be copied, distributed, modified, recorded, resold, publicly posted or used to create competing or derivative training without prior written permission from Nexus125 LLC.
Program resources and completion
A supported path through assessment and completion.
The curriculum concludes with the Nexus125™ Glossary of Key Terms, Reference Library, Final Examination, Course Summary and Certificate of Completion. Program certification requires all required coursework and activities, at least 80% on the final examination and satisfactory instructor review of the required capstone. Review is performed by Debbie Kaglear or a trained and certified advisor; review turnaround is separate and certificate issuance is not instant.
Program materials are educational and do not confer a government license or authorize participants to provide legal or tax advice. Employers and advisors should engage qualified legal, tax, benefits and plan professionals for organization-specific decisions.
Discuss a private cohortEnrollment FAQs
Clear answers before you enroll.
Is this self-paced or instructor-led?
The core program is self-paced, with a required instructor-reviewed capstone. Nexus125 Professional Learning is the structured instructional experience with exercises, professional workpapers and the official assessment pathway. Mindsmith Guided Learning complements it with visual, narrated, avatar-led learning. Both are accessed through the secured Nexus125 learning portal; use either presentation or both for review without completing two separate programs.
How much study time should I plan?
Plan 24–30 hours for the seven-module core program INCLUDING the required capstone. Optional Module 8 adds 2–3 hours and is excluded from the core total. These are self-paced study estimates, not measured seat time or continuing-education credit hours. Instructor review turnaround is separate.
What is the capstone?
Apply the coursework to a fictional employer case, producing professional workpapers and a coordinated readiness/action plan. Satisfactory review by Debbie Kaglear or a trained and certified advisor is required for certification; no review deadline or instant certificate issuance is promised.
Is Module 8 required?
No. Medicare Transition & Retirement Readiness is optional and takes an estimated 2–3 additional hours. It introduces MECOS, the Medicare Employer Compliance Operating System, to support aging or retiring employees transitioning to Medicare. It is excluded from the 24–30-hour core total.
Is the $997 price for each module?
No. The $997 individual enrollment price is one total payment for all seven core modules and the required instructor-reviewed capstone. The module blocks describe one coordinated program, not separate $997 purchases.
What happens after I pay?
Keep your Stripe receipt. Individual participants receive separate onboarding instructions. Team and organization purchasers should submit the participant roster using the link provided on the confirmation page.
How long do I have to complete the full program?
Standard self-paced access is 90 calendar days. One approved no-cost extension of up to 30 days may be available for documented circumstances.
What is required to earn the Nexus125™ credential?
Complete all required coursework and activities, earn at least 80% on the final examination and receive satisfactory instructor review of the required capstone. Debbie Kaglear or a trained and certified advisor performs the review. Review turnaround is separate from study time; no review deadline or instant certificate issuance is promised.
Is the credential government-issued or independently accredited?
No. It is a private Nexus125™ program-issued credential recognizing successful completion. It is not a government license, academic degree or independent accreditation.
How do team and organization enrollments work?
Team pricing applies to 3–5 participants and organization pricing to 6–10. Purchase the appropriate number of seats in Stripe, then submit the participant roster for coordinated onboarding.
What do premium deposits cover?
The listed 50% deposit reserves scheduling and begins planning. The written proposal or service agreement confirms scope, milestones, approved expenses, remaining balance and due date before work begins.
What is the cancellation and refund policy?
A participant may cancel in writing through midnight of the third business day after signing the enrollment agreement and before instruction begins for a full refund. After instruction begins, the published proportional refund schedule applies.
Does the training replace legal, tax, ERISA counsel or TPA services?
No. Nexus125 provides professional education and compliance-readiness guidance. Organization-specific legal, tax, accounting, plan-document and administrative decisions should be handled by qualified professionals.