About Us

The LBL Difference

For over 40 years, The LBL Group has provided a full-service approach to all aspects of employee benefits consulting and wealth management services for employers, employees, executives and individuals. We take pride in the work we do every day by providing a full-service approach to all aspects of employee benefits consulting. Our array of global services include health plan risk management, employee benefits, Medicare and long-term care planning, disability, life and health, as well as other insurance, investment, and wealth management services.

Mission Statement/Values

Our Mission: To enhance the “Quality of Life” for those we serve through Insurance and Financial Services
Our Core Values: Commitment to C.A.R.E.

C redibility, Honesty and Integrity

A Visionary Company

esponsible and Accountable

xceed our Customer’s Expectation by Solving Real Human Needs

Our Guiding Principles:

Customer: Our success depends on identifying and solving our client’s personal, business, and financial needs, by consistently meeting or exceeding their expectations.

Company Associates: Success comes with Knowledgeable, responsible, and enthusiastic employees solving real human needs.

Integrity: Adhering to the highest ethical and moral standards of our society through credible, honest, and accountable actions, which are the cornerstone of our long-term success.

Vision: Our associates constantly pursue innovative ways to be efficient and effective in delivering high quality services and products to our clients.

The Essential C.A.R.E Process

What does C.A.R.E. mean to you?

After over 40 years of serving our clients, we have learned the word “care” resonates powerfully with all of us. While there are countless variations and subtle differences in what “care” means to each individual, we have discovered that each unique definition is based on a set of essential principles:

C redibility, Honesty, Integrity

A Visionary Company

R esponsible and Accountable

E xceed our Customer’s Expectation by Solving Real Human Needs

The goal of The Essential C.A.R.E. Process is for employers to attain a clear understanding of their current situation and create a powerful vision for their future. We look at the roadblocks standing in their way, develop strategies to overcome them, and review all tools to help them achieve their vision and goals. Organizations, Teams, and Individuals who recognize the value and contribution that each person makes to an organization, and are passionate about growing their business, will see the best results.


Our Companies


Larry Lambert, CLU, CFP™, RFC
CA INS LIC: #0439459
Mr. Lambert has served the financial services industry for 50 years working extensively with individuals, corporations, small businesses, and associations in areas such as financial planning, retirement and pension planning, investments, estate planning, and insurance services.
Larry is the Chairman and CEO of Financial Counseling Resources LLC , The LBL Group, LBL Insurance Services, Inc., ElderCare Insurance Services, and Nautilus Insurance Services.
He is the recipient of the 68th annual John Newton Russell Memorial Award, the highest honor bestowed on an individual by the insurance industry.
In 2009, Larry received the William G. Farrell Public Service Life Insurance award recognizing sustained and meritorious service to the life insurance and financial advising industries.
He is a Registered Principal and OSJ with NPB Financial Group LLC and holds FINRA Series 1, 24, 51, 63, 65, and 66 registrations, and State of California Department of Insurance Accident and Health Agent, Casualty Broker-Agent, Life-Only Agent, Property Broker-Agent, and Variable Contracts Agent.
Larry is a Chartered Life Underwriter (CLU) and CERTIFIED FINANCIAL PLANNER™ (CFP®) practitioner.
He is a member and past President of the National Board of the National Association of Insurance and Financial Advisors (NAIFA), the International Association of Financial Planning (IAFP), the Institute of Certified Financial Planners (ICFP), and the International Association of Registered Financial Consultants (IARFC), Life and Qualifying member of the Million Dollar Round Table (MDRT) and its prestigious ‘Top of the Table.’
Mr. Lambert serves on numerous boards of directors for non-profit organizations in Southern California including MemorialCare Health Systems, and has spoken to national professional associations, employee groups, non-profit organizations and service clubs, and as a guest lecturer at several colleges and universities.

Debra Lambert, CLU
CA INS LIC: #0550795
Debra has specialized in employee benefits for over 38 years, assisting businesses with the design, implementation, and ongoing service of their corporate benefit plans.
Debra utilizes her vast experience and knowledge to explore various strategic alliances within the industry to offer the clients served by The LBL Group the most up-to-date products and services available. Debra was past President of the Long Beach Association of Life Underwriters, is a Life and Qualified member of the Million Dollar Round Table, a Chartered Life Underwriter and a registered representative with NPB Financial Group LLC.
Debra participates as a speaker at various community functions to educate the community on insurance and health care issues and has volunteered on numerous charitable boards that support the local communities that LBL serves. In 2014, she was selected by Employee Benefit Adviser as one of The Most Influential Women In Benefits Advising.

Peter Freska, MPH, CEBS
Benefits Adviser
CA Insurance License # 0E46056
After nearly a decade in sales and management with one of America’s largest private companies, Peter joined The LBL Group in 2004 as a specialist in the large employer benefits market, and currently holds the position of Senior Adviser. Peter’s experience includes high-level negotiations, communication and long-term strategic planning for Healthcare, Manufacturing, and Non-Profit Organizations. With focus on service excellence, Peter is able to provide employers with a unique perspective and experience that is beneficial when developing solutions that result in meeting strategic goals and achieving long- term cost savings. Peter’s background with non-profits, healthcare, and manufacturing institutions enables him to work well with constrained budget models.
Peter serves on the boards of several non-profit and charitable organizations, Children’s Maritime Foundation and in the past has served on the board of California Credit Union League’s Orange County Chapter, and was the Chairman of the Richard Myles Johnson Foundation.
Peter served as the President of the local National Association of Insurance and Financial Advisors (NAIFA) Association, a member of the Orange County Employee Benefits Council and the National Association of Health Underwriters.
Additionally, Peter serves as the Board Chair for OCEMT, the premier EMS training programs in Orange County.
Peter also maintains the designation of Certified Employee Benefits Specialist (CEBS) from the University of Pennsylvania’s Wharton School of Business. Additionally, Peter holds a Bachelor of Science in Business Administration and Marketing from California State University, Long Beach (CSULB) and a Masters Degree in Health Management and Policy (Masters of Public Health) from the University of California, Los Angeles (UCLA).
In his spare time Peter likes to work out and spend quality time with his beautiful wife and five children. Occasionally you will catch him hiking or adventuring overland in Mexico.

Brian Silvia
Benefits Adviser
CA Insurance License #0818721
Brian joined The LBL Group in 1993 and specializes with employer groups that have 1 to 50 employees.
After meeting with a prospective client, Brian can provide employers with affordable benefit strategies and plan recommendations as well as address various human resource requirements and concerns the employer group may have.
Brian’s experience also extends to the individual health insurance marketplace along with Covered CA, where he can provide a variety of options to meet specific financial and/or medical requirements facing an individual.
He is currently holds the NAHU, ACA certification.

Adam Himelson
CFO/VP of Finance
CA Insurance License #0G47412
Adam joined The LBL Group after more than a decade of holding senior management positions in non-profit organizations. As a co-adviser to The LBL Group’s key clients, Adam works closely with the lead adviser and client. His responsibilities include benefit renewal planning (marketing, evaluation, negotiation, cost projections); ACA financial modeling and analysis; contribution and migration analysis and projection; benchmarking; and monitoring on ongoing claims trends.
Internally, Adam is responsible for the accounting, finance, and technology activities of The LBL Group and its subsidiaries.
Adam earned his Master of Business Administration from California State University, Long Beach and his Bachelor of Arts in Business Administration from Concordia University in Irvine. Adam is very active with local non-profit organizations. He is a founding executive team member of the Orange County Chapter of Conscious Capitalism and currently serves as Treasurer on the Board of Directors for the Modjeska Playhouse.
A native of Southern California, Adam can often be found at sea. He is an avid sailor and has held his United States Coast Guard license for over 20 years; this has given him the opportunity to serve as Captain aboard many of the west coast’s Tall Ships. Most recently Adam has caught the triathlon bug and has just completed his first full Ironman.

Nora Ramos
Director of Administration and Human Resources
Nora joined The LBL Group in 2007, and has over 22 years of experience within the human resources arena and office administration. Nora has held numerous positions of increased responsibility while working within the healthcare, manufacturing, electronics, and automotive industries. Nora is well recognized by her peers, as an outstanding human resources professional. She has attained her Human Resources Certificate from University of California Irvine and a Notary Public for the State of California.

Kristine Carlew
Manager of Client Services
CA Insurance License #0E02149
Kristine has worked in the insurance industry since 2002. Her background is in client management including small group and large group account management, ancillary sales and managing a team of account managers. Kristine’s focus is on creating great relationships with her clients and providing the best service to all members that she represents.Kristine is also a member of the Wellness Council of America (WELCOA) and is trained as a wellness coordinator. As more businesses are combining benefits and wellness programs in order to improve the overall health and wellbeing of their employees, Kristine can assist clients with creating and implementing a wellness program.

Dennis P. Sunderman
President, Eldercare Insurance Services
CA Insurance License #0599395
Dennis is Past President of the Estate Planning and Trust Council and the National Association of Insurance and Financial Advisors of Long Beach. He is also the Past-President of the National Association of Insurance and Financial Advisors-California representing 4000 Insurance and Financial Advisors statewide.
Dennis served on the California Department of Insurance “Agent and Broker Advisory Committee” and has worked diligently with the California Legislature on legislative and regulatory issues relating to the protection of seniors.
Dennis is a lifetime member of the prestigious Million Dollar Round Table (MDRT), a 32-year member of the National Association of Insurance and Financial Advisors (NAIFA) and has spoken at numerous conventions for both organizations. He is also the 2013 recipient of the National Association of Insurance and Financial Advisors-CA Distinguished Service Award.
Dennis was one of the primary architects of the “Memorial Senior Companion Plan” a PPO type Medicare Supplement offered exclusively through Memorial Care Medical Centers and has been the Long Term Care Insurance agent for the City of Long Beach since 1995. ElderCare Insurance Services Inc. developed the “Essential Care Process” system that helps families to identify and implement solutions that pay for extended care.


The LBL Group is an Acrisure Agency Partner
Acrisure is one of the Top 15 insurance brokerages in the United States.

Our network of Acrisure Agency Partners has the expertise and experience to help you manage and overcome your largest and most complex risk and insurance challenges. With industry specific specialties and powerful program development capabilities, experience does make a difference.

The value of our national network is the local presence of our agencies. Acrisure Agency Partners are able to provide the local, personal level of service that you deserve with the added power of deep industry expertise available to each and every client. The concept of national reach + local presence is not just an ideal; it’s who and what Acrisure is.

The entrepreneurial spirit is a core element of Acrisure. Creating exceptional, often creative, results for our clients is what we do. These types of solutions only come from results driven entrepreneurs. That drive, that passion for excellence is what allows us to perform at the levels we do, everyday, for our clients.

The Acrisure Difference:
1. Our Expertise
2. Local Presence with a Global Reach
3. Entrepreneurial Drive