Fifty years inside the system. One book to change it.

Robert J. Christadore

The Wrong Turn Book Cover

A Structural Diagnosis & Practical Roadmap

After fifty years in employee benefits, Robert J. Christadore reveals how the 1970s shift to managed care created today’s broken system — and proposes the Vitality-Capital Model as a practical alternative.

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The Vitality-Capital Model

A practical, relationship-first system designed to realign incentives and put health back in the hands of the individual.

Personal Vitality Advisor

A dedicated physician-led relationship focused on keeping you healthy through proactive guidance and early intervention.

Health Capital Account

Your personally owned, portable, tax-advantaged account that puts you in direct control of your health dollars.

Claims Limit Insurance

True catastrophic coverage only. Insurance returns to its proper role as a backstop.

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