Cafaro Greenleaf

What Cafaro Greenleaf does

Cafaro Greenleaf is an investment advisory firm founded in 1981 and headquartered in Red Bank, New Jersey. The firm specializes in investment advisory, retirement planning, and fiduciary services, serving clients in need of personalized financial guidance and trust-based portfolio management. With a reported headcount of 1-10 employees, Cafaro Greenleaf operates as a small, relationship-driven Registered Investment Advisor (RIA) likely catering to individual investors, retirement plan participants, and small institutional clients within its regional market.

The firm's business model is grounded in fiduciary advisory fees—typically charged as a percentage of assets under management (AUM)—supplemented by retirement plan consulting and plan fiduciary services. This fee structure aligns revenue with client portfolio values and incentivizes long-term retention. As a firm operating continuously for over four decades, Cafaro Greenleaf's value proposition rests on longevity, personalized service, and adherence to fiduciary standards rather than scale, technology platforms, or product breadth.

A significant data quality issue exists in the available source material: while firmographic data describes Cafaro Greenleaf as a 1-10 employee Red Bank-based advisory firm, the associated source content describes a much larger multi-office operation with 100,000+ clients, headquartered in Atlanta, GA, operating under the name "OneDigital" (Digital Insurance LLC). This appears to be either a data misattribution or an indication that Cafaro Greenleaf operates as a DBA, subsidiary, or affiliate of a larger parent organization. The analysis above reflects Cafaro Greenleaf as described by the firmographic record.

Name

Cafaro Greenleaf

Legal name

Digital Insurance LLC

Website

https://cafarogreenleaf.com

Company type

Private

Founded year

1981

Operating status

Operating

Headcount range

1–10 employees

Short description

Cafaro Greenleaf is a small investment advisory firm founded in 1981 in Red Bank, New Jersey, providing investment advisory, retirement planning, and fiduciary services to individual and institutional clients.

Ownership category

akta.pro rank

Product category

Employee Benefits & HR Consulting

NAICS

Professional Employer Organizations (561330), Insurance and Employee Benefit Funds (5251), Other Insurance Funds (525190)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321), Services-Management Consulting Services (8742), Hospital & Medical Service Plans (6324)

akta.pro industry

PRIMARYHLAEAAAC

Self-Funded (ERISA) Employer Plans

Healthcare & Life Sciences/Health Insurance & Managed Care/Commercial (Employer-Sponsored) Health Insurance

SECONDARYHLAEALAM

Disability & Leave Administration (STD/LTD/FMLA/Paid Leave)

Healthcare & Life Sciences/Health Insurance & Managed Care/Third-Party Administration (TPA) & Administrative Services Only (ASO)

Keywords

• Employee benefits administration
• Insurance advisory services
• Retirement plan services
• HR consulting services
• Wealth management services

Headquarters

HQ city

Red Bank

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Benefits & Insurance Services: Revenue generated through employee benefits administration, insurance advisory, and risk management services to employers and individuals. The model appears to be subscription/consulting-based with ongoing client relationships.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Cafaro Greenleaf (operating as OneDigital) provides employee benefits administration, business insurance and risk management, retirement plan services, HR consulting, Professional Employer Organization (PEO) co-employment, executive benefits, and financial education for employers and businesses. For individuals, it offers wealth management, personal insurance and benefits/financial guidance, delivered through direct sales and physical offices across North America.

Product overview

OneDigital offers a unified platform combining benefits administration, insurance, HR consulting, and financial services. The product portfolio includes Employee Benefits, Business Insurance, Retirement Plan Services, HR Consulting, Professional Employer Organization (PEO), Executive Benefits, and Financial Education & Guidance for employers, along with Wealth Management and Insurance products for individuals. The AI Hub provides workforce transformation resources focused on AI adoption and governance.

Differentiator

Problem solved

Functional benefit

Products and services

• Employee Benefits

Quantifiable outcome

• Net Promoter Score of 82, consistently exceeding industry benchmarks

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves1 record

Direct peers

• USI Insurance Services: USI offers an integrated platform of employee benefits, property/casualty insurance, and retirement consulting to mid-market employers — a near-direct overlap with OneDigital's product portfolio and target buyer.
• Lockton: Lockton is a large independent insurance brokerage providing employee benefits, risk management, and retirement consulting to mid-market and enterprise employers, serving as a relevant peer in benefits advisory.
• ADP TotalSource: ADP TotalSource is one of the largest PEOs in the US, bundling payroll, benefits, HR, and compliance for SMB employers — a natural scale peer in the PEO/co-employment category.
• Insperity: Insperity is a publicly traded PEO providing HR, payroll, benefits administration, and compliance services to SMB and mid-market employers — a direct comparable to OneDigital's PEO offering.
• Brown & Brown: Brown & Brown is a publicly traded insurance brokerage and benefits administrator with a national footprint and comparable employer-focused benefits and risk management offerings.
• TriNet: TriNet is a PEO offering HR outsourcing, payroll, benefits, and compliance to small and mid-sized businesses, competing directly with OneDigital's PEO product line.
• NFP (NFP Corp): NFP is one of the closest direct peers, providing employee benefits, insurance brokerage, wealth management, and HR advisory to mid-market and enterprise employers — closely mirroring OneDigital's unified platform model.
• Hub International: Hub International is a large North American insurance brokerage offering employee benefits, commercial insurance, and risk management services to employers, directly competing across the same customer segments.

Broad incumbents

• Marsh McLennan: Marsh McLennan is a global incumbent offering benefits consulting (via Mercer/Oliver Wyman) and insurance brokerage — comparable to OneDigital at the enterprise end of the market.
• Arthur J. Gallagher & Co. Gallagher is a global, publicly traded incumbent that operates a much broader risk management and benefits brokerage franchise, overlapping with OneDigital in the employer benefits and consulting space.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cafaro Greenleaf