Our Story

A Passion for Service

Our founders, Raphy Timour and Christopher Pontrelli, started Pontrelli, Timour & Associates in 2003 with a passion for providing superior service and the idea that by getting to know our clients’ unique needs, we could deliver better solutions for both owners and their employees. For almost 20 years, we have provided Southern California businesses with superior employee benefits tailored to their needs and budget. 

As our business grew, so did our network of trusted partners and our ability to deliver integrated business solutions. Our clients increasingly were looking for a “soup to nuts” solution to help them attract and retain top talent while mitigating risks. In 2020, we changed our name and our business model to comprehensively respond to their requirements.

PT Business Solutions is a full-service provider of employee benefit, HR, payroll, workers’ compensation and group retirement plans. Our flexible solutions utilize an integrated platform that is secure and simple to use. Best of all, you can take advantage of our full suite of services, or simply plug and play to access just what you need. 

Great Service Starts with an Exceptional Team

Our team of dedicated professionals places your needs first. You are not merely an account number, and our team is not the faceless bureaucracy you might experience with corporate giants. At PT Business Solutions, you have a dedicated support team ready to serve your needs throughout the process. 

With a wide array of backgrounds that include insurance carrier experience, our team can address many issues that might arise for your business. Whether for claims, invoices, treatment denials, Rx issues or more general questions, our team is ready to help.

We have partnered with PT Business Solutions since 2006.  Over the last 14 years our business has grown and PT right along with us. The team is great with communication – always prompt in answering our questions and finding solutions to any issues we have.  Each year PT helps us evaluate our offerings and find comprehensive affordable solutions for our business.  We truly appreciate the partnership we have formed and look forward to its continued growth.

Melissa Lopez – Controller, Showpro 

This testimonial may not be representative of the experience of other customers and is not a guarantee of future performance or success.

Christopher Pontrelli


Providing great customer service is the most natural activity in the world. It’s fun to help others because it feels good.

After graduating from UC Irvine in 1992, Chris started his career with Bankers Trust in its 401(k) administration division. The company managed many of the largest accounts in Southern California, including for the County of Los Angeles. In addition to his life and health insurance license obtained in 1993, Chris has Series 6 and Series 63 securities licenses that enable him to offer 401(k) retirement plans. If you are interested in discussing group retirement plans, please contact Chris through his broker dealer at: cpontrelli@woodburyfinancial.net.

In 2003, Chris teamed up with childhood friend Raphy Timour to form Pontrelli, Timour & Associates, Inc., now PT Business Solutions, to help businesses achieve their goal of offering employees top-tier benefits at the best possible value. For close to 20 years, we have delivered creative, cost-saving solutions and best-in-class support to Southern California business owners.

Married with two children, Chris believes in providing customer-centric service with a human face. He enjoys spending time with his family and friends, loves to surf and paddleboard and is a huge sports fan.

CA Insurance Lic #0B22066

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Raphy Timour


Always put your client first and good things happen.

Raphy began his career at Automatic Data Processing (ADP). During his time with the company, he worked in its Major Accounts Division (100–1000 employees). At ADP, he learned the full range of employee benefits administration and human capital management. Raphy has an active life and health insurance license from the California Department of Insurance.

Taking an entrepreneurial step forward, Raphy co-founded Pontrelli, Timour & Associates, Inc. in 2003 with his lifelong friend Chris Pontrelli. For almost 20 years, Pontrelli, Timour & Associates, Inc., now PT Business Solutions, has thrived as a full-service, independent insurance agency specializing in employee benefits for the small to mid-sized business community. Raphy’s extensive experience provides a unique perspective of the benefits landscape bringing focus to recruitment and retention. Raphy specializes in bringing integrated, creative and cost-saving solutions to his clients.

Raphy is married and has two children. Outside of work he enjoys the beach, hiking and spending time with family and friends.

Raphy Timour is not affiliated with Woodbury Financial Services, Inc.

CA Insurance Lic #0D95832

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Check the background of this investment professional on FINRA’s BrokerCheck.

Christopher Pontrelli offers securities through Woodbury Financial Services, Inc. (WFS), member of FINRA and SIPC.

WFS is separately owned and other entities and/or marketing names, products or services referenced here are independent of WFS. This communication is strictly intended for individuals residing in the states of California and New York. No offers may be made or accepted from any resident outside the specific state(s) referenced.

PLEASE NOTE: This communication is strictly intended for individuals residing in the state of California. When you link to any of the websites provided here, you are leaving this website. We make no representation as to the completeness or accuracy of information provided at these websites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, websites, information and programs made available through this website. When you access one of these websites, you are leaving our web site and assume total responsibility and risk for your use of the websites you are linking to.

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