Laken, Kramer, Cafiso & Pearson

10/07/2026

Keeping valuable employees for the long term takes more than a competitive salary. can be one tool businesses use to reward key employees and encourage long-term retention. 💼

Our team can help you explore options that fit your organization. Visit https://lkcp.net/ or call (610) 940-1900.

09/30/2026

🏡 A home is one of the biggest financial commitments many families make.

can help provide financial protection for that commitment if the unexpected happens.

Want to explore whether it fits into your overall insurance plan? Call our team at (610) 940-1900.

09/23/2026

A single claim can create significant costs for a business. ⚖️

coverage can help protect against risks such as bodily injury and property damage claims, while professional liability addresses certain claims related to professional services.

Make sure your coverage fits your business. Visit https://lkcp.net/ to learn more.

09/16/2026

Your paycheck supports everything from everyday expenses to long-term financial goals. But what happens if an illness or injury prevents you from working?

can provide important income protection when you need it most.

🛡️ Call (610) 940-1900 to discuss your coverage options.

09/09/2026

Your benefits package can play an important role in attracting and retaining great employees.

As your workforce changes, it may be time to revisit your and make sure they continue to serve both your team and your business. 👥

Explore LKC&P's business services at https://lkcp.net/ or call (610) 940-1900.

09/02/2026

🎓 College and other education costs can be a significant part of a family's financial future.

A thoughtful strategy can help you prepare while balancing the other goals competing for your savings.

Planning for what's ahead? Visit https://lkcp.net/ to learn how our team can help.

08/26/2026

Some employees have that special something that makes success HAPPEN. 🔑

can help protect a business financially if a critical owner, leader, or employee unexpectedly passes away or becomes unable to work.

Talk with our team about protecting the people your business depends on.

Call (610) 940-1900.

08/12/2026

Mark your calendar: Affordable Care Act open enrollment for 2027 coverage opens November 1, 2026. Here in PA, the window is set to run through January 15, 2027 -- but deadlines vary widely by state, and there's been ongoing back-and-forth this year over federal rule changes that could shorten it. A few things worth knowing:

▪️ Outside of open enrollment, you can generally only sign up for ACA-compliant coverage if you have a qualifying life event
▪️ Enrollment windows differ significantly by state, so don't assume a headline you saw applies to you
▪️ Rules are still being finalized in some areas, so timelines are worth double-checking closer to November

Let LKC&P help you navigate the exchange, compare plans, and get enrolled before the window closes.

Find out when ACA open enrollment begins and ends in your state for 2027 health coverage, including key deadlines and effective dates.

08/06/2026

Most people don't think about long-term care until it's urgent -- but planning ahead gives you options instead of leaving decisions to be made in a crisis. Long-term care coverage can help pay for:

✔ In-home care or assisted living
✔ Nursing home costs
✔ Protecting the retirement savings you've spent years building

The earlier you plan, the more choices you and your family have. Let's talk about whether long-term care coverage is right for you.

08/04/2026

Wondering how much you actually need? A common shortcut is "10 times your income," but a more complete estimate comes from the DIME method -- adding up:

✅ Debt (and final expenses) beyond your mortgage
✅ Income you'd want replaced, and for how many years
✅ Mortgage balance you'd want paid off
✅ Education costs for your kids, now or down the road

Add those up, subtract any savings or coverage you already have, and you'll have a much clearer number to work with. Our team at Laken, Kramer, Cafiso & Pearson can walk through the math with you and help find the right policy for your family — reach out any time.

Use our life insurance calculator to figure out how much term or whole life insurance coverage you need. Plus, learn more tips for choosing the right amount in 2026.