Andrew Clayton is President of Pareto Captive Services. Andrew has nearly 25 years of experience creating captives and employer centric risk financing programs. Andrew has structured property and casualty captives for Fortune 500 companies but is best known as an industry leader in the employee benefit group captive space. Andrew’s areas of expertise include healthcare finance, risk management, and cost containment. Andrew graduated from Swarthmore College and lives in Philadelphia with his wife and two sons.