Contact

[contact-form-7 404 "Not Found"] (949) 351-2820 (949) 351-2820 tmkbach43@gmail.com

About

Terry Kaltenbach, CLU, ChFC, CAP

President/CEO KBACH Associates

After working in the financial services business in excess of forty years I have an understanding of the needs and desires of a wide range of clients from the simplest estate plan or business insurance need to the most complex multi-generational situation. Having worked with some of the most sophisticated professionals in my business I feel that I am in a unique position to offer my counsel to all levels of client needs. With expertise in business insurance, estate planning and charitable planning coupled with formal education in those areas affords me the opportunity to share my knowledge across the broad marketplace of financial services.

Learn About Our Services

We offer a unique perspective on the challenges and trends in the ever changing world of financial services.

My Story

Terry has a track record of success that spans more than four decades in the financial services industry. His experience as a producer, regional manager, wholesaler and benefits broker, as well as his past and current leadership positions, including President of the San Diego Association of Insurance and Financial Advisors and the California Association of Insurance and Financial Advisors, gives him a broad perspective on the life insurance industry. Terry is also a member of the Association of Advanced Life Underwriting (AALU) wherein he has lead the California delegation in the Annual Capitol Hill event in Washington, DC.

With the experience he has gained while working with some of the largest and most sophisticated producers in the business, he is able to bring a wealth of knowledge to his clients. Known for his honesty and integrity, Terry is always willing to go the extra mile to meet or exceed expectations.

Terry holds the Chartered Life Underwriter ( CLU), Chartered Financial Consultant (ChFC), and Chartered Advisor in Philanthropy (CAP) designations through the American College. Priding himself as a student of the business, he has never stopped learning new techniques that advance his knowledge and expertise in the business insurance, estate planning and charitable giving fields.

He holds a Bachelor of Arts degree with an emphasis on International Studies from the University of Wyoming. He spent four years on active duty and twenty two years in the Naval Reserve as an Intelligence Officer, eventually retiring as a Captain. His last assignment was as Chief of Staff for the second largest intelligence area in the United States.

He and his wife, Linda, founded a non-profit chapter of a Teen Suicide Prevention organization (Yellow Ribbon Suicide Prevention Program ) in 1997 that has reached over 350,000 middle and high school students, staff and parents and distributed over 1,000,000 Ask 4 Help! cards.

Authentic Communication

Being honesty and upholding my integrity are core values that guide my business practices.

Long Term Partnerships

Relationships are part of the foundation from which I build my life.

Build & Preserve Wealth

I'm always focused on the end goal: to build and preserve wealth for yourself and your family.

Professional Highlights

Resume
Education / Associations
Other Experience
  • President/CEO

    KBACH Associates Insurance Services

    June 2015 – Present (2 months) 5973 Avenida Encinas #200. Carlsbad, CA 92008

    Our firm specializes in working individuals and corporations regarding their wealth transfer, business succession, and executive benefits needs

  • President

    Ascendant Fiduciary Consulting

    November 2014 – May 2015 (7 months) Carlsbad, CA 92008
    Consulting to the qualified plan market regarding fiduciary responsibility

  • VP Recruiting. & Life Sales

    Best Practices of America

    2010 – November 2012 (2 years) Carlsbad, CA

  • Wealth Management Consultant

    Saybrus Partners

    October 2009 – July 2010 (10 months) Carlsbad, CA

  • Wealth Management Consultant

    Phoenix Life

    April 2003 – October 2009 (6 years 7 months) Carlsbad, CA

  • Regional Vice President

    Phoenix Life

    October 2001 – March 2003 (1 year 6 months) Newport Beach, CA

  • Branch Manager

    Pacific Life

    April 2000 – October 2001 (1 year 7 months) Riverside, CA

  • Vice President- Branch Offices

    Pacific Life

    September 1999 – March 2000 (7 months) Newport Beach, CA

  • Branch Manager

    Pacific Life

    March 1990 – September 1999 (9 years 7 months) San Diego, CA

  • Agency Manager

    Manulife Financial

    April 1983 – March 1990 (7 years) San Diego, CA

  • Brokerage Manager

    Manulife Financial

    September 1981 – March 1983 (1 year 7 months) San Diego, CA

  • Employee Benefit Consultant

    RKC and Company

    March 1980 – September 1981 (1 year 7 months) San Diego, CA

  • Superintendent of Agencies

    INA Life

    March 1978 – March 1980 (2 years 1 month) San Diego, CA

  • Brokerage Representative

    Manulife Financial

    March 1976 – March 1978 (2 years 1 month) San Diego, CA

  • Agent

    Manulife Financial

    March 1973 – March 1976 (3 years 1 month) Santa Ana, CA

  • Agent

    Manulife Financial

    May 1971 – March 1973 (1 year 11 months) San Diego, CA

  • The American College

    Chartered Life Underwriter (CLU) – 1976, Chartered Financial Consultant (ChFC) – 1984, Chartered Advisor in Philanthropy (CAP) – 2013

  • University of Wyoming

    BA, International Relations – 1962 – 1966

Associations

  • AALU – Association for the Advanced Life Underwriting

    15 year member

    Head of California Delegation – 2002-2003

  • NAIFA – San Diego – National Association of Insurance and Financial Advisors

    President from 1985-1986

  • NAIFA – CA – National Association of Insurance and Financial Advisors

    President from 1995-1996

Honors & Awards

Robert Cheverton Award – April 1998

NAIFA – San Diego

Awarded to an individual that demonstrates exemplary service to the life insurance business over a sustained period of time. Award named for Robert Cheverton who dedicated his entire insurance career to make the industry in San Diego a exemplary profession.

Volunteer Work

Docent on the USS Midway CV-41

As of April 15, 2016,  I am a docent on the USS Midway CVC-41 along with 430 other docents who volunteer and whose job it is to entertain and educate the 1,000,000+ guests who come aboard the ship each year. This group of volunteers is what gives the USS Midway it “Midway Magic” feel. Currently on Trip Advisor, the USS Midway is the #1 attraction in San Diego, CA