....... Some jurisdiction require a business have the owner's name in it, ...........
I find that hard to believe.
In my county if you don't register your business and get a business license, and pay the annual license fees, you go to jail. You can interpret the laws any way you want. Have a good day.
Which has nothing to do with naming a business. In your county, is the name of the business required for licensing? Does the license state, "John Doe, dba Lighthouse Photography"? The OP is asking for marketing advice, not legal.