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Meet Erika Aguilar, the woman who runs a multimillion-dollar business

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Erika was born and brought up in a small town called Wasco, CA. After high school, she went to Bakersfield community college, which she ended up dropping out a year and a half later. Simultaneously, she started working at an egg packaging plant, packing eggs. It was heavy labor physically and mentally, and even emotionally for her. “I never really had a weekend off, I truly dislike packing eggs, but I never quit because I always had my parents in mind. My parents are originally from Michoacán, Mexico. I’m blessed to have them as my parents, and they taught me to work hard and show up despite the way I feel, so with that example, I couldn’t quit.” Erika stated. Later she was influenced by YouTube, which brought out an entrepreneur in her.

The people behind Erika’s motivation are her family and her team. “Setting others in a position to win and seeing them accomplish their dreams and goals keeps me motivated,” Erika stated.

PHP Agency Chairman’s Council Erika

The agency does life insurance, annuities, financial planning, debt settlement. The company helps by teaching people financial concepts that will help them prepare for the future. It helps them protect their assets and their family from financial disaster in case of an unexpected death or illness.

Erika sees the hunger factor, “how badly do you want it,” to hire the top talent. “Never forgetting why you got started in the first place and how much it matters to you” is Erika’s secret to success.

The reason behind Erika being different from the industry

“I’m in a business where being authentic and genuine stands out. I’d say carrying these

characteristics and adding work ethic with a hint of competitiveness and desire to win and be number one is what’s helped me create a name for myself. Building a culture and an environment where others can win and see their dreams and goals achieved, selfishness has no seat at the table of success. The only way to rise is by helping others rise with you”, Erika said.

Plans Erika has for her agency “TCO“

“Erika says working hard, personally developing, expanding my network, and building great relationships with people. Never forgetting where I came from and having God above all in my life and of course my family”, Erika remarked.

Follow Erika on Instagram at : @erika__tco

The idea of Bigtime Daily landed this engineer cum journalist from a multi-national company to the digital avenue. Matthew brought life to this idea and rendered all that was necessary to create an interactive and attractive platform for the readers. Apart from managing the platform, he also contributes his expertise in business niche.

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Lifestyle

Kat Marie Alvarez: Where Innovation Meets Regulation

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Regulation is often thought of as a limitation, yet in healthcare, it also serves as a foundation for building models that endure. For Kat Marie Alvarez, Founder and CEO of KATALYST & CO, the framework of rules established by agencies like CMS (Centers for Medicare and Medicaid) and the OIG ( office of the Inspector General) create opportunities to design systems that are compliant, ethical, and transformative. Her approach demonstrates that regulation can be a platform for innovation when it is interpreted with both technical rigor and vision.

Kat’s 25-year career reflects this philosophy. A former nurse who advanced into executive leadership and strategy, she has led $2.7B+ P&L operations, advised on over $5B in healthcare transactions, and guided value based organizations including Innovacare, Cano Health, WellMed, Centene, and Humana through periods of exponential scaling. Her perspective combines clinical, financial, and regulatory experience, giving her a unique ability to design structures that support integrity and accountability while driving measurable outcomes.

Turning Statutes into Strategy

For Kat, regulation serves as a framework for building smarter and more ethical models. She interprets CMS guidance and OIG rules as levers for innovation, using them to advance integrity and accountability. With the CMS V28 risk adjustment model, Alvarez refined coding practices, strengthened clinical documentation, and structured risk frameworks that reward accuracy and elevate standards of care. In addressing RADV audits, she crafted strategies that protect stakeholders while keeping patient outcomes at the forefront. She aligns compliance, cost, and care in equal measure. Her current work as a contributor to the CMS IDea Challenge, an initiative focused on strengthening the foundation of trust in our system, further echoes her commitment to advancing regulations in ways that unlock innovation while safeguarding the integrity of care.

Her interpretive approach brings discipline and vision to every challenge. She engages stakeholders to redesign workflows that meet regulatory requirements and enhance the patient experience. Each policy becomes a mechanism to strengthen accountability and operational precision, shaping a system that is both compliant and humane.

Innovation Built Within Boundaries

At KATALYST & CO, this interpretive approach is carried into every project. Kat has integrated predictive analytics and AI-driven tools into care models, with safeguards that ensure interventions remain clinician-led and ethically sound. For example, AI flags in chronic disease management are connected to human-led actions that improve patient care. The result is a model that benefits from technology while preserving accountability and clinical integrity.

Staffing and infrastructure provide another example of her philosophy in action. By leveraging offshore BPO operations in Latin America, Asia, and Eastern Europe, KATALYST & CO extends capacity for health plans and providers. These expansions are carefully designed to meet data security, licensure, and jurisdictional requirements, ensuring that global reach is paired with local compliance. It is a system that balances scale with responsibility.

The Art of Influence Through Alignment

Kat often describes her role as translating complexity into clarity. Whether she is working with payers, providers, or investors, she builds consensus by grounding ambitious strategies in the language of statute. Value-based care models, utilization management programs, and clinical frameworks are designed to prove compliant ROI for stakeholders while maintaining patient focus.

Her approach begins with people. In integrations, partnerships, and platform builds, she respects legacy strengths, listens to frontline voices, and creates systems that are not only efficient but also trusted. This ensures that compliance does not feel like restriction, but like a structure that supports innovation and adoption.

Redefining the Future of Compliance and Care

KATALYST & CO is scaling with $10M in initial funding, expanded international operations, and a growing advisory portfolio. Under Kat’s leadership, the firm is showing how regulation can be a foundation for both innovation and durability. She demonstrates that lasting progress in healthcare is achieved by leaders who know how to design systems that are bold, ethical, and deeply human.

By approaching regulation as a guide rather than a limitation, Kat Alvarez is building models that prove compliance and innovation can move forward together. Her formula ensures that the future of healthcare is shaped not only by ambition, but also by trust and responsibility.

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