Tom Koziol
Free
Personal Financial Management, Insurance, Private Lending Expert
Tom Koziol Quick Facts
- Main Areas
- Insurance, Private Lending, Seminars, Public Speaking
- Affiliation
- Executive Director of Senior Outreach Ministries
Tom Koziol has been in the financial field since 1966. He currently co-owns Accurate Insurance Services with his son in Northern Nevada.
He also has been a stock broker, real estate broker, mortgage banker and personal money coach. Koziol enjoys helping people maximize their income. Styled as the Good Life Guru, Koziol works with his clients to help them find then achieve their individual life style.
His best skill is his ability to listen and then translate what people are saying. He uses their words to channel them into the avenue that will best fast forward them to achieving their goals. He is only a mouse click away from becoming a member of your success team.
Articles by this expert
SelfGrowth articles and saved writing connected to this expert.
Article
Fixed Index Annuity
A fixed index annuity (FIA) is a type of annuity currently enjoying popularity among many investors. However, it wasn’t always that way. The truth is the current generation of fixed index annuities was introduced in early 1995. Over the last ten to twelve years FIAs have not only grown but morphed into a type of annuity offering huge potential returns. They also come with expenses and risks. There are two broad categories of annuities - fixed and variable annuities. There are many benefits to both. The following chart lists the main differences between these two categories.
Recently added
Article
Life Insurance and Its Many Benefits
Insurance is designed to protect a person and/or a family from disasters and financial burdens. For most of us, life insurance is the first type of insurance that comes to mind. That is a good thing since there are certain financial commitments you make to you and your family that need to be properly addressed. The most obvious is what happens to your family should you die. In other words, how will they replace your income especially if you are the family’s main bread winner?
Recently added
Article
Money Management Tricks of the Rich
Money management tricks of the rich are actually money management tricks everyone already has at their disposal. All it takes is one, knowing what they are and two, applying them to your situation. The first trick is something I call recognition. A person has to not only recognize they have a paycheck or some other form of income but they have to know exactly how much comes in on a regular basis.
Recently added
Article
Your Car is Covered But What About Your Personal Belongings?
Insurance is the tool all of us use to transfer risk. It is a simple process given the number of insurance companies in existence and the fact you can insure almost anything you own. Take your automobile. Every state requires at least a minimum amount of coverage through a type of insurance called liability insurance. You can even obtain comprehensive and collision insurance on your vehicle.
Recently added
Article
Annuities and Your Retirement
Annuities and your retirement may sound like a mismatch but the truth is an annuity is the only product available that will pay a monthly check for life. No other investment vehicle can make this guarantee. Before I launch into an explanation on annuities I need to make a disclosure. I own an insurance agency in Northern Nevada and sell annuities. I also own www.nevada-annuities.com, a site devoted to annuities.
Recently added
Article
How To Handle Problems With Your Investment Professional
Inevitably if you are an investor problems will arise with your investments and/or your investment advisor. This seems to be a fact of life in the investment world. Should you find yourself in this position the Securities and Exchange Commission says the best way to handle the issue is to act promptly. Investors have only a limited amunt of time to take legal action. This means the sooner you act the sooner you will experience a resolution.
Recently added
Article
Investment Related Questions To Ask Before You Invest
If you are thinking about investing your money to meet your financial goals, you should have a list of questions to ask any prospective financial advisor, counselor or guru. Not only will you become at least partially financially literate but your investing could just end up producing personal financial freedom for you.
Recently added