Laken, Kramer, Cafiso & Pearson

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.

07/15/2026

What would happen to your business if an owner, partner, or key employee could no longer be involved? 📋

A strategy can help create stability during uncertain times and provide a roadmap for moving forward.

Let's discuss a plan that fits your business. Call (610) 940-1900.

07/08/2026

An can help you manage healthcare expenses today while offering potential tax advantages for the future. 💰

For many individuals and families, it can be a valuable part of an overall financial strategy.

Visit https://lkcp.net/ to learn more about your options.

07/01/2026

Life changes fast. Marriage, children, a new home, or a growing business can all impact your insurance needs. ❤️

If it has been a few years since you reviewed your coverage, now may be a good time to take another look.

Call (610) 940-1900 to schedule a review.

06/24/2026

Accidents can happen even when you do everything right. coverage helps protect your business from claims involving bodily injury, property damage, and more. 🏢

Having the right protection in place can help you focus on running your business with confidence.

Learn more at https://lkcp.net/

06/10/2026

Strong is not just about someday leaving the workforce. It is about creating flexibility, stability, and confidence throughout your financial journey. 📈

Small adjustments today can make a major impact over time.

Let’s build a strategy that fits your goals. Call (610) 940-1900.

06/03/2026

Looking for ways to strengthen your employee benefits package? 💡

plans allow employees to pay for eligible expenses with pre-tax dollars, which can create savings for both employees and employers.

Learn more at https://lkcp.net/