Kalman J Kovach MBA, CLTC

Welcome to my Web site, where you’ll find a wealth of information in the form of newsletter articles, calculators, and research reports.

I hope your visit will help you understand the opportunities and potential rewards that are available when you take a proactive approach to your personal financial situation. I have created this Web site to help you gain a better understanding of the financial concepts behind insurance (life, disability, long-term care),  investing (stocks, bonds, mutual funds),  retirement (income, annuities, IRA's, 401(k), 403(b)),  estate planning, and wealth preservation. Most important, I hope you see the value of working with a skilled professional to pursue your financial goals.

I'm here to help educate you about the basic concepts of financial management; to help you learn more and to give you fast, easy access to market performance data. I hope you take advantage of this resource and visit often. Be sure to add my site to your list of "favorites" in your Internet browser. I frequently update information, and wouldn’t want you to miss any developments in the area of personal finance.

I am licensed to sell insurance products in the state of Missouri, Illinois, Iowa and Kansas.

I am licensed to sell securities in the state of Missouri, Iowa, and Kansas.