EJC Insurance & Financial

What EJC Insurance & Financial does

EJC Insurance & Financial is an independent, privately-held financial advisory and insurance brokerage firm headquartered in Colorado Springs, Colorado, with a secondary office in Lakewood/Denver. Founded in 2000 by Robert Edgin and co-founded with Brian Johnson, the firm operates on a fiduciary standard of care and offers three integrated service lines: insurance planning (home, auto, life, annuities, long-term care, and 17 industry-specific commercial coverages), financial planning (retirement, tax, Social Security, IRAs, 401(k), 529 plans, emergency funds), and estate planning (delivered through a partnership with Wealth.com for wills, trusts, and healthcare directives). Securities and investment advisory services are delivered through a partnership with Silver Oak Securities, Inc., a FINRA/SIPC-registered advisor.

The firm employs 11-50 people with a 7-person partnership team holding specialized credentials (ChFC, RICP, LACP), and serves 3,000+ clients, primarily individual consumers, families, and small business owners across Colorado. Revenue is generated through three streams: insurance carrier commissions on personal and commercial policies, recurring advisory fees from investment management through Silver Oak Securities, and annuity product placements. The firm emphasizes an advisory-led (rather than sales-led) go-to-market motion supported by educational content across a weekly radio show ('The Money Puzzle Hour'), podcast, blog, social media, and email newsletter channels, with distribution through two physical offices and online appointment scheduling.

Robert Edgin has won Allstate's 'Agency of the Year' for Colorado 17 times, and the firm has held the Gazette Best-Of designation for Insurance & Financial Planning since 2022. The business is bootstrapped with no venture or private equity backing, and has incrementally expanded by adding team members, opening the Denver office, and layering estate planning onto the core insurance/advisory offering.

Name

EJC Insurance & Financial

Legal name

EJC Insurance & Financial

Website

https://ejcteam.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Short description

EJC Insurance & Financial is an independent Colorado-based advisory firm offering insurance planning, financial planning, and estate planning services to 3,000+ individual consumers, families, and small businesses across Colorado Springs and Denver.

Ownership category

akta.pro rank

Product category

Insurance and Financial Advisory Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Portfolio Management and Investment Advice (523940)

SIC

Insurance Agents, Brokers & Service (6411), Investment Advice (6282)

akta.pro primary industry

Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)

Keywords

• Insurance advisory services
• Financial planning services
• Estate planning services
• Retirement planning services
• Small business insurance

Headquarters

HQ city

Colorado Springs

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Others

Revenue model

1. Insurance Commissions: Commission-based revenue from insurance products including home, auto, life, long-term care, business liability, workers compensation, and commercial insurance. As an independent firm, they access nearly every carrier and compare features and premium prices.
2. Investment Advisory Services: Securities and investment advisory services offered through Silver Oak Securities, Inc., a FINRA/SIPC registered investment advisor. Revenue from advisory fees for financial planning, retirement planning, portfolio management, and investment management.
3. Annuity Products: Annuities as contracts for retirement income, providing ongoing revenue streams from insurance carriers through product sales.
4. Estate Planning Services: Partnership access to Wealth.com for estate document creation, working in tandem with estate attorneys.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

EJC Insurance & Financial is an independent advisory firm delivering insurance planning, financial planning, and estate planning services to individuals, families, and small businesses in the Colorado Springs and Denver metro areas. The firm places coverage across multiple carriers, provides investment advisory services through Silver Oak Securities, Inc. (FINRA/SIPC registered), and offers estate planning document preparation in partnership with Wealth.com. It serves more than 3,000 clients with a partnership team combining 60+ years of insurance and financial services experience.

Product overview

EJC Insurance & Financial operates as a unified financial services firm offering insurance planning, financial planning, and estate planning services under one roof. The core product portfolio includes Consumer Insurance Coverage (home, auto, life insurance, annuities, long-term care), Business Insurance (commercial auto, workers' compensation, liability, key man, small business, and industry-specific coverages), Financial Planning Services (retirement planning, Traditional and Roth IRAs, 401(k) planning, Social Security planning, tax planning, 529 college savings, emergency funds, home buying guidance), Estate Planning Services (via Wealth.com partnership), and The Money Puzzle Hour radio show. The firm is led by co-founders Robert Edgin and Brian Johnson and serves clients throughout Colorado Springs and Denver.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning Services Comprehensive financial planning services covering tax planning, retirement planning, investment management, and 529 college savings plans for individuals and business owners.
• Insurance Planning Services Risk management and insurance coverage services including home, auto, life insurance, annuities, and long-term care insurance for consumers and businesses.
• Estate Planning Services Estate planning services delivered in partnership with Wealth.com, including wills, trusts, powers of attorney, and healthcare directives.
• Investment Management Portfolio analysis and investment management services offered through Silver Oak Securities, Inc. (FINRA/SIPC registered), designed to maximize returns without unnecessary risk.
• Home & Auto Insurance Personal insurance products for homeowners, renters, rental property, auto, trucks, RVs, boats, and motorcycles.
• Life Insurance & Annuities Term life, whole life, universal life, and indexed universal life insurance products plus annuity contracts for retirement income.
• Long-Term Care Insurance Insurance coverage for nursing homes, elder care, and assistance with daily living activities due to chronic illness or disability.
• Commercial Auto Insurance Business vehicle insurance covering collision damage, liability claims, medical payments, and uninsured motorist protection for Colorado Springs businesses.
• Workers' Compensation Coverage Workers' compensation insurance meeting Colorado state requirements, covering medical expenses, lost wages, and rehabilitation for workplace injuries.
• Business Liability Insurance Comprehensive liability coverage including general liability, professional liability, product liability, and cyber liability for businesses.
• Key Man Insurance Business insurance protecting against the financial impact of losing crucial team members, covering expertise loss, revenue disruption, and debt repayment.
• Small Business Insurance Comprehensive coverage for small businesses including general liability, property coverage, professional liability, and business interruption coverage.
• Industry-Specific Business Insurance Specialized insurance coverage for medical practices, physical therapy, retail stores, auto repair shops, roofing, personal training, painting, landscaping, debris removal, daycare, HVAC, engineering, accounting, carpentry, marketing agencies, and general contracting.
• Traditional IRAs Individual retirement accounts with tax-deductible contributions, tax-deferred growth, and flexible investment options.
• Roth IRAs Roth individual retirement accounts offering tax-free retirement income, tax-free inheritance for heirs, and no required minimum distributions.
• 401(k) Planning for Business Business retirement plan services helping employers set up and maintain 401(k) or similar group retirement plans with tax-advantaged savings and employer matching.
• Retirement Planning Retirement income strategy development helping clients create income they cannot outlive while managing risks and saving on taxes.
• Social Security Planning Social Security benefit optimization guidance including retirement benefits, spousal benefits, survivor benefits, disability benefits, and Medicare enrollment.
• 529 College Savings Plans Education savings plans with Colorado tax advantages, investment optimization, beneficiary flexibility, and gift tax benefits.
• Tax Planning Strategies Proactive tax planning services minimizing tax liability while maximizing wealth-building opportunities throughout the year.
• Home Buying Guidance Financial guidance for home purchases including purchase preparation, market navigation, cost analysis, and investment protection strategies.
• Emergency Fund Planning Strategic emergency fund development providing immediate accessibility, risk protection, and strategic allocation of savings.

Quantifiable outcome

• 17-time 'Agency of the Year' winner for the state of Colorado
• +2 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Wealth.comcoreStrategic or Co-development PartnerPartnership with Wealth.com provides clients with access to estate planning document creation tools. EJC provides tax-advantaged financial information and insurance policies for estate planning that estate attorneys may not know or have access to. The partnership enables clients to easily create wills, trusts, powers of attorney, healthcare directives, and other estate documents.

Scale indicators4 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• MassMutual: Mutual insurer offering life insurance, disability income, annuities, retirement plans, and wealth management through a national advisor network. Mirrors EJC's integration of insurance, annuities, retirement planning, and investment advisory under one advisor relationship.
• Northwestern Mutual: Large mutual insurer with a financial planning and advisory practice combining life insurance, disability income, annuities, and investment products under a single advisor. Comparable to EJC's bundled insurance + financial planning model and similar holistic advisor-driven delivery.
• Edward Jones: National independent financial advisory and insurance agency providing investment, retirement, and insurance products with a localized branch model. Highly comparable to EJC's independent advisor + insurance + retirement planning offering, with a similar relationship-based, fiduciary-adjacent GTM.
• State Farm: Largest U.S. personal lines insurer with a captive agent model offering home, auto, life, and small business insurance. Comparable to EJC's consumer insurance agency focus, though EJC is independent across carriers while State Farm is captive.
• Allstate: Major national P&C and life insurer with a captive/exclusive agent network. EJC's Robert Edgin is a 17-time Allstate agency award winner, making Allstate both a direct competitor and a long-standing carrier partner with comparable product categories.
• New York Life: Mutual life insurer with a large career-agent force providing life insurance, long-term care, annuities, and investment advisory. Highly comparable to EJC's life + long-term care + annuity + planning mix and agent-led local market positioning.

Broad incumbents

• Wells Fargo Advisors: Wirehouse-affiliated wealth management platform offering investment advisory, retirement, and insurance products. Comparable to EJC's investment advisory + financial planning bundle, competing for the same Colorado Springs and Denver mass-affluent and small business segment.
• Fidelity Investments: Diversified financial services firm offering brokerage, retirement, advisory, and life insurance products. Overlaps with EJC on retirement planning, IRAs, annuities, and life insurance, and competes for do-it-yourself clients in the same Colorado metros.
• Cetera Financial Group: Large independent broker-dealer and advisory network supporting independent financial advisors with compliance, technology, and product access. Silver Oak Securities (EJC's broker-dealer partner) is a Cetera affiliate, making Cetera a structural peer in the independent advisor ecosystem.

Emerging players

• Policygenius: Digital insurance marketplace for life, disability, home, and auto insurance. A tech-enabled competitor that targets the same small business and household insurance buyers EJC serves, and represents the long-term disruption risk to traditional agent-led distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/ejcinsuranceandfinancial
• LinkedInlinkedin.com/company/ejcinsurancefinancial
• Instagraminstagram.com/ejcteam

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

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 EJC Insurance & Financial