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About InsuranceKO

InsuranceKO is an independent benefit specialist firm.  You can call us planners, consultants, or advisors...But we're best known as problem solvers.  To you, issues like benefits and financial planning are probably a hassle.  To us, they're second nature.

Our passion is helping people like you.  For more than 20 years, InsuranceKO has been making a difference in the lives of others.  Our clients say we talk the talk AND walk the walk.  That's becausewe don't just provide you with solution - we put them into action.  


Meet Our Staff

Franklin J. Garcia, LUTCF

Frank Garcia started his career in the Insurance industry with….  From the outset, Frank implemented a service first mentality and approach in which he recognized that client satisfaction was primarily dependent on understanding each individual's and/or company's needs and goals. In 1996, Frank Garcia formed InsuranceKO to cultivate, validate, and share his knowledge in the benefits business with busy benefit decision makers. Frank prides himself on providing his clients with the peace of mind knowing that they are making informed choices in an increasingly complex marketplace.

Frank is married to his wife Lori, has four children and just celebrated the birth of his third grandchild. Frank enjoys fishing, hunting, church activities and is a visible person of the Orange County community with memberships in the Orange County Financial Society, Fullerton, Brea, and Hispanic Chambers of Commerce and the Fellowship of Companies for Christ International. Frank is also a group leader for the Fellowship of Companies of Christ International (FCCI) in Yorba Linda.

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Jasmine Ochoa

Jasmine began her career in the Insurance field in 2010 and joined InsuranceKO in 2014. Jasmine is licensed to transact life and health insurance and annuities and is a dedicated account specialist in  InsuranceKO' s retirement division.  Jasmine is fluent in Spanish and closely works with individuals and groups to ensure that the goals and needs of the client are met and all compliance issues are resolved. Jasmine is also a rapid executer and problem solver and saves her client's valuable time by finding them solutions to issues and answers to questions accurately and expeditiously. Jasmine exemplifies the core principles of InsuranceKO of integrity, honest and providing exceptional service and dedication to its clients. Jasmine is married and will soon be celebrating her son's first birthday.

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Thomas T. Fry

Thomas started his career in manufacturing after graduating from the Fashion Institute of Design and Merchandise in 1988. Thomas' manufacturing experience ranged from pattern maker, designer, purchasing, quality assurance, system design and analysis, management information science and culminated as MIS/Operations for fashion designer Barbara Lesser. After his 13 year career in manufacturing, Thomas entered the financial sector and provided mortgage, real estate, and escrow services to family-owned businesses.  In 2015, Thomas joined the team at InsuranceKO. InsuranceKO's clients directly benefit from Thomas' experience and prowess in information and system management. In this technology driven climate, Thomas' expertise ensures that InsuranceKO's clientele will continue to be better served with cutting edge management systems. Notwithstanding his business accomplishments, Thomas believes that his greatest achievement is raising his three respectful, caring young daughters and he enjoys spending as much time with them as possible.


Tony Robinson

Tony is a minister in the AME Church. Tony is originally from the Republic of Panama who came to the United States in 1972 in search of an education and a future. Tony successfully accomplished that dream and has spent over 30 years in the field of accounting, working as a CPA, an Auditor, and a Controller.  Tony's true passion, however, is assisting people with their medical and insurance needs and enjoys helping individuals on a daily basis. Tony is also a native Spanish speaker am fluent in Spanish, so I can help my Hispanic clientele. Tony has been married for over 20 years and has twin daughters.



Catherine Karcher

Catherine currently lives in Yorba Linda and has lived in Orange County is entire life and is the proud daughter of Cark and Margaret Karcher, Founder of Carl's Jr. Catherine has 2 children and 1 grandchild. Catherine is a 20 plus year member of the Yorba Linda Chamber of Commerce and has previously served on the Board of Directors and received the Member of the Year Award twice and the President's Award also. Catherine has owned 3 restaurants in Yorba Linda, and also holds a Real Estate License and therefore understand the issues that Small Business Owners deal with on a daily basis.

Catherine has partnered with InsuranceKO as a Small Business and Group Benefits Specialist with LegalShield.  Catherine recognizes that Small Businesses have the same issues as Big Business and Catherine can help give them big business resources on a budget they can afford. Catherine is also a forefront in recognizing the increasingly problematic perils of Identity theft and can help business owners protect their employees with Group and Individual Legal and Identity Theft Plans.


Brad Purcha

Brad has been a licensed Insurance Broker since 1987 specializing in Individual & Group Health Insurance, Life & Disability Insurance, and Voluntary Benefits.  Brad enjoys working with clients to assist them with finding an insurance plan that fits his clients' individualized needs.  Brad joined the InsuranceKO team because of the integrity and honesty of the agency, and because it abides by his philosophy of delivering exceptional service and dedication to its clients.

Brad graduated from Chapman University in 1979 with a Bachelors of Arts Degree in Business Administration / Economics.  Brad has been married to his wife Alyson for 16 years and they have 5 grown children and 2 grandchildren.  In his free time, Brad enjoys traveling, playing cards and board games, camping, fishing, and bike riding.  Brad also enjoys watching professional baseball, football, and hockey.

Brad is a member of the Anaheim Chamber of Commerce since 1998 and attends Eastside Christian Church in Anaheim.




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