BK
Benjamin M. Kapusta
HORNOR, TOWNSEND & KENT
NEW YORK, NY 10007
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CRD#: 6431296
BK
Benjamin M KapustaHORNOR, TOWNSEND & KENT
Professional summary
Benjamin M Kapusta, who also goes by Ben Kapusta, is a registered financial advisor currently at HORNOR, TOWNSEND & KENT, LLC located in New York, New York.
Benjamin is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 2015. Benjamin has worked at 2 firms and has passed the Series 66, Series 63, Series 7TO, SIE and Series 6 exams.
Aliases
Ben Kapusta
Other business activities
Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.
1) INSURANCE BROKERAGE | INVESTMENT RELATED: YES | DBA NAME: BK CAPITAL ADVISORS, BLUESHIELD WEALTH MANAGEMENT, LEGATUS WEALTH MANAGEMENT | POSITION HELD: AGENT | ADDRESS: 5491 N UNIVERSITY DR, #104A, CORAL SPRINGS, FL 33067 | START DATE: 03/28/2025 | NATURE OF ACTIVITY: INSURANCE BROKERAGE | APPROX HRS PER MTH: 160 | APPROX TRADING HRS PER MTH: 160 | DESCRIPTION OF DUTIES: INSURANCE SALES AND SERVICE INCLUDING PENN MUTUAL LIFE PRODUCTS 2) BUSINESS PLANNING & CONSULTING| INVESTMENT RELATED: NO | DBA NAME: BK CAPITAL ADVISORS, BLUESHIELD WEALTH MANAGEMENT, LEGATUS WEALTH MANAGEMENT | POSITION HELD: OWNER | ADDRESS: 5491 N UNIVERSITY DR, #104A, CORAL SPRINGS, FL 33067| START DATE: 03/28/2025 | NATURE OF ACTIVITY: BUSIENSS PLANNING &A CONSULTING; PUBLIC SPEAKING ENGAGEMENTS| APPROX HRS PER MTH: 10 | APPROX TRADING HRS PER MTH: 10 | DESCRIPTION OF DUTIES: CONDUCT BUSINESS RISK ANALYSIS, VALUATION AND PLANNING; PUBLIC SPEAKING ENGAGEMENTS 3) PENSION PLAN ANALYSIS & CONSULTATION | POSITION: Officer | NATURE: Police & Fire pension plan analysis and consultation | INVESTMENT RELATED: No NUMBER OF HOURS: 20 SECURITIES TRADING HOURS: 5 START DATE: 06/01/2026 | ADDRESS: 5491 N University Dr, #104A, Coral Springs FL 33067 | DESCRIPTION: BK Capital Advisors advises municipal police and fire pension plans with specialized, practical solutions that strengthen funding, manage liability risk, and protect retirement benefits for first responders -- now with dedicated audit and analysis services to ensure accuracy, compliance, and actionable insight. What we do for police & fire pension plans: Plan diagnostics & actuarial review: independent assessment of actuarial assumptions, funding status, amortization methods, and sensitivity to demographic and salary changes. Audit & forensic analysis: independent financial and actuarial audits, accounting reconciliation, benefit-payment verification, internal-control reviews, and identification of data or calculation errors affecting funded status and reporting. Funding strategy & contribution planning: recommend sustainable contribution schedules, prefunding approaches, and smoothing techniques that balance taxpayer affordability with benefit security. Investment policy & asset-liability alignment: develop investment policies tailored to pension cash flows and liability profiles; implement liability-driven investing, diversification into private markets and real assets, and glidepaths to reduce funded-status volatility. Risk management & de-risking solutions: evaluate annuity buyouts, longevity hedges, partial buyouts, and customized hedging to mitigate longevity and interest-rate risks. Benefit design, COLA & policy modeling: quantify long-term impacts of benefit changes, COLA structures, hybrid designs, and early-retirement options with clear tradeoffs. Cash-flow & liquidity planning: project near-term cash needs, optimize liquidity buffers, and coordinate contribution timing with municipal budgets. Implementation & ongoing monitoring: coordinate actuaries, counsel, custodians and managers; oversee execution, remediate audit findings, and deliver regular monitoring reports tied to plan objectives. Outcome: Combining deep pension expertise with rigorous audit and analytic capabilities, we deliver defensible valuations, cleaner financials, stronger funding strategies, and practical investment and de-risking solutions that protect benefits and create sustainable paths for sponsors and communities.
CRS (Client Relationship Summary) - RIA
Click below to view Benjamin M Kapusta's CRS (Customer Relationship Summary).
CRS (Client Relationship Summary) - BD
Click below to view Benjamin M Kapusta's CRS (Customer Relationship Summary).
Certified licenses
Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®
NoneExperience
Current
March 27, 2025 - Present
HORNOR, TOWNSEND & KENT, LLC
Office #1: 30 Vesey St 9th Floor, New York, NY 10007Office #2: 5491 N University Dr #104a, Coral Springs, FL 33067Office #3: 2650 W State Rd 84, Unit 103, Fort Lauderdale, FL 33312RIA
BD
CRD#: 4031
NEW YORK, NY
Current
March 27, 2025 - Present
HORNOR, TOWNSEND & KENT, LLC
Office #1: 30 Vesey St 9th Floor, New York, NY 10007Office #2: 5491 N University Dr #104a, Coral Springs, FL 33067Office #3: 2650 W State Rd 84, Unit 103, Fort Lauderdale, FL 33312RIA
BD
CRD#: 4031
NEW YORK, NY
Past
June 15, 2015 - April 25, 2025
NORTHWESTERN MUTUAL INVESTMENT SERVICES, LLC
BD
CRD#: 2881
BOCA RATON, FL
Primary Firm SEC Registration
This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".
HORNOR, TOWNSEND & KENT, LLC
HORNOR, TOWNSEND & KENT, INC. | PENN MUTUAL EQUITY SERVICES, INC. | HORNOR, TOWNSEND & KENT, LLC
CRD#: 4031 / SEC#: 801-56151, 8-14715
RIA
Registered Investment Advisory firm - SEC (2/25/1999 Approved)BD
Broker-Dealer Firm Regulated by FINRA (Philadelphia district office)
State Registrations and Notice Filings
Listed states reflect where the advisor is authorized to serve clients under state regulations.
IAR
means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.RR
indicates the advisor is registered as a Registered Representative in this state, allowing them to offer securities such as stocks, bonds, and mutual funds through a broker-dealer.Visual representation of state registrations
RR
California(3/27/2025)
RR
Florida(3/27/2025)
IAR
Florida(3/28/2025)
RR
Maryland(3/27/2025)
RR
Massachusetts(3/27/2025)
RR
New Jersey(3/27/2025)
RR
New York(3/27/2025)
RR
North Carolina(3/27/2025)
RR
Tennessee(3/27/2025)
RR
Texas(3/27/2025)
IAR
Texas(3/27/2025)
RR
Virginia(3/27/2025)
Exams
State Security Law Exam
State Security Law Exam
General Industry/Product Exam
RR
Series 7TO
Date: 10/14/2022
General Securities Representative ExaminationGeneral Industry/Product Exam
General Industry/Product Exam
SRO Registrations
RR
FINRA
Current Firm
HORNOR, TOWNSEND & KENT, LLC
HORNOR, TOWNSEND & KENT, INC. | PENN MUTUAL EQUITY SERVICES, INC. | HORNOR, TOWNSEND & KENT, LLC
CRD#: 4031 / SEC#: 801-56151, 8-14715
RIA
Registered Investment Advisory firm - SEC (2/25/1999 Approved)BD
Broker-Dealer Firm Regulated by FINRA (Philadelphia district office)
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Contact information
Main Address
161 Washington Street Suite 1111, Conshohocken, PA 19428
Mailing Address
161 Washington Street Suite 1111, Conshohocken, PA 19428
Phone number
(215) 957-7300
Established
Delaware since 09/09/2024
Firm type
Limited Liability Company
Fiscal year end
December
Firm Size
Large
# of Employees
442
SEC notice filing (51 States and Territories)
FINRA licenses (51 States and Territories)
Direct owners and executive officers
| Name | Position | CRD# |
|---|---|---|
| 1847 FINANCIAL LLC | SHAREHOLDER | |
| GUNZENHAUSER, RADFORD MICHAEL | FINOP | 7253452 |
| HUCKERBY, KEITH GORDON | MANAGER | 2641591 |
| MASON, ANN-MARIE | CHIEF LEGAL OFFICER AND SECRETARY | 7145020 |
| MULLER, NIKI LEE | PRINCIPAL OPERATIONS OFFICER | 7364066 |
| NAGENGAST, HEATHER JILL | PRESIDENT, MANAGER | 5300554 |
| O'MALLEY, DAVID MICHAEL | CHAIRMAN AND MANAGER | 4468593 |
| ROBINSON, VICTORIA MARIE | CHIEF COMPLIANCE OFFICER, MANAGER | 4556827 |
| WYANT, JUSTIN | MANAGER | 8146157 |
Regulatory assets under management
| Total Number of Accounts | 31,522 |
| AUM (Assets Under Management) | $ 7,753,847,039 |
Disclosures
| Regulatory Event | 11 |
| Arbitration | 6 |
Red Flags
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Check for any disclosures as part of your thorough research when choosing an advisor.
