LKC&P

What LKC&P does

LKC&P (legal name: Laken, Kramer, Cafiso & Pearson; DBA: LKCP) is a privately held partnership operating as a financial advisory and insurance brokerage from Conshohocken, Pennsylvania. The firm is structured around four named partners — Alan Laken, Paul M. Kramer, Joseph Cafiso, and Leonard S. Pearson — supported by an office manager, an insurance consultant (Darrel R. Roopnarain), and a small administrative team (headcount band 11-50). It serves two primary client segments: individual consumers seeking personal financial planning, life/disability/long-term-care insurance, retirement planning, and estate planning; and small-to-mid-size businesses requiring group health and employee benefits (Section 125 plans, HSA/HRA, 401(k)/403(b)), executive benefits, business continuation and succession planning, and voluntary payroll-deduction insurance. A third service line covers Property Casualty commercial insurance (property, workers' compensation, professional/general liability, commercial auto), and an add-on module provides Federally Facilitated Marketplace (ACA) enrollment assistance.

The firm operates on a sales-led, consultative model in which licensed financial advisors — collectively credentialed with CFP, ChFC, CLU, and RFC designations and several Million Dollar Round Table qualifiers — deliver face-to-face planning services across at least 12 U.S. states. GTM is anchored by referral partnerships with clients' accountants, attorneys, and trust officers. Securities and investment advisory services are not delivered in-house; they are facilitated through an affiliated broker-dealer, The O.N. Equity Sales Company (FINRA/SIPC member), and O.N. Investment Management Company.

Revenue is generated primarily through three streams: (1) commissions on life, disability, long-term-care, and other insurance products (transaction-fee model); (2) fees for comprehensive financial planning, retirement, and wealth-management services (professional-services model); and (3) commissions and advisory fees routed through the O.N. Equity / O.N. Investment Management arrangement (licensing/royalty pass-through). Pricing is quote-based and not publicly disclosed. Underlying technology is described as a generic "financial planning and insurance advisory services platform" with no proprietary AI, API, app, or technology assets disclosed. The firm's web presence appears dated (copyright 2014, deprecated Google+ profile), and there is no evidence of recent technology investment or external capital.

Name

LKC&P

Legal name

Laken, Kramer, Cafiso & Pearson

Website

https://lkcp.net

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

LKC&P is a Conshohocken, PA-based partnership offering personal financial planning, group employee benefits, and commercial insurance to individuals and small-to-mid-size businesses across multiple U.S. states.

Ownership category

akta.pro rank

Product category

Financial Advisory and Insurance 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), Life Insurance (6311), Accident & Health Insurance (6321)

akta.pro primary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

akta.pro secondary industries

Professional Firms BOP (Office/Professional) (FSAJAFAE), Traditional Long-Term Care (LTC) Insurance (FSAIAJAA), Annuity + LTC / Long-Term Care Riders (FSAIAJAC)

Keywords

• Financial planning services
• Insurance advisory
• Employee benefits
• Retirement planning
• Estate planning

Headquarters

HQ city

Conshohocken

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. Insurance Products Commission: Commission-based revenue from selling life insurance, disability insurance, long-term care insurance, and other insurance products to individuals and businesses.
2. Financial Planning Fees: Fees for comprehensive financial planning services including retirement planning, wealth management, and business continuation strategies.
3. Securities and Investment Advisory: Securities offered through The O.N. Equity Sales Company with investment advisory services through O.N. Investment Management Company, generating commissions and advisory fees.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

LKC&P provides individual and business clients with licensed financial planning and insurance advisory services, including life, disability, and long-term care insurance, group health and employee benefits, retirement plans (401(k), 403(b), Section 125), business continuation and succession planning, property and casualty commercial insurance, and ACA Marketplace advisory. Securities and investment advisory services are offered through affiliated broker-dealer and RIA partners.

Product overview

LKC&P (Laken, Kramer, Cafiso & Pearson) is a financial services and insurance advisory firm operating as a unified offering under its own brand. The company provides three core service lines: Personal Services (individual insurance and financial planning), Business Services (corporate employee benefits and business insurance), and Property Casualty Insurance, supported by a dedicated Federally Facilitated Marketplace advisory module for health insurance navigation. Services are delivered through a team of licensed financial advisors and insurance specialists with over 80 years of combined experience.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Services Individual-focused financial planning and insurance services including life insurance, disability insurance, long-term care, Medicare supplement plans, insurance planning, mortgage protection, savings portfolios, educational funding (529 plans), retirement planning, and income management through deferred and immediate annuities, for individuals and households seeking financial protection and retirement security.
• Business Services Corporate financial and insurance solutions including group health and employee benefits, Section 125 Plans with HSA/HRA options, retirement plans (401(k), 403(b), Profit Sharing), buy/sell insurance, key person insurance, executive benefit plans, business continuation and succession planning, deferred compensation programs, and payroll deduction voluntary insurance plans, for small and mid-size businesses and professional organizations.
• Property Casualty Insurance Commercial and business insurance coverage including property insurance, workers compensation, professional and general liability, commercial auto, and business packages covering fire and property risks, for business clients needing commercial insurance protection.
• Federally Facilitated Marketplace (ObamaCare) Advisory Health insurance marketplace guidance and enrollment assistance helping individuals navigate the Affordable Care Act marketplace, determine subsidy eligibility, compare plan prices and coverage options, and complete applications with expert advisory guidance.

Segments3 records

Ideal customer profiles3 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.

• The O.N. Equity Sales CompanycoreChannel Partner/ Reseller/ DistributorSecurities offered through The O.N. Equity Sales Company, a registered broker-dealer and member FINRA/SIPC. The partnership enables the firm to offer securities products and investment advisory services alongside its insurance and financial planning offerings.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Northwestern Mutual: Large insurance and wealth management firm with captive advisors selling life, disability, long-term care, and retirement products. Overlaps significantly with LKC&P's personal services line at substantially greater scale.
• New York Life: Major life insurance carrier with a captive agent network offering life insurance, retirement, and wealth management products. Broad incumbent with overlapping personal-lines offerings and similar LTC and annuity focus.
• Principal Financial Group: Global investment management and insurance company with a strong employee benefits and retirement plan franchise. Comparable to LKC&P's business services line at substantially larger scale.
• MassMutual: Major life insurance carrier with a captive financial advisor network offering life insurance, retirement, and investment products. Broader incumbent with overlapping product offerings but a captive rather than independent advisor model.

Direct peers

• Cetera Financial Group: Independent broker-dealer and registered investment adviser supporting thousands of financial advisors across multi-line practice areas including insurance and retirement planning. Closely comparable to LKC&P's independent advisory model with a third-party broker-dealer affiliation.
• Cambridge Investment Research: Independent broker-dealer serving independent financial advisors with multi-line practice support including insurance, retirement, and wealth management. Directly comparable to LKC&P's advisor-led, multi-product model.
• LPL Financial: Largest independent broker-dealer in the U.S., supporting independent financial advisors across insurance, securities, and advisory services. Represents the scaled version of LKC&P's business model.
• Kestra Financial: Independent wealth management platform supporting financial advisors with multi-line practice capabilities including insurance, retirement, and investment advisory services. Comparable model and channel structure to LKC&P.
• Highstreet Insurance Partners: Independent insurance brokerage platform aggregating regional agencies across personal and commercial lines. Closely comparable to LKC&P's multi-line independent agency model with growth ambitions and a similar partnership-style heritage.

Others

• The O.N. Equity Sales Company: Registered broker-dealer (FINRA/SIPC member) that provides LKC&P's securities and investment advisory infrastructure. As LKC&P's actual channel partner, it is operationally adjacent though not a direct competitor for end clients.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/profile.php

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 LKC&P