Sum Total Financial is here to better your Retirement Financial Plan.


1827 Moore Court 
St. Charles, IL 60174





Terrence R. Treudt

Terry’s professional career began with the pursuit of his business administration degree at the Univ. of Northern Illinois. He then went on to pursue an education in insurance at the Insurance Institute of Purdue University.


Personally, Terry has pursued a single engine pilots license, where with time; he began to present in seminars and workshops for ALPA (Airline Pilots Association).


Current Licenses held: Life Insurance (since 1990) & Health Insurance (Since 1990)

Robert F. Kalina
Exec. Vice President

Rob’s career started with a B.A. in Business Economics from Benedictine University. After graduation Rob went on to earn his MBA in Finance from the University of Notre Dame. Mendoza College of Business

Rob’s early career positions were in the banking field including positions as Branch Manager for two commercial banks as well as a registered representative Series 6 and 7 licenses. Rob earned his Stockbroker’s license per the advise of CEO John Sculley. Later career positions included 8 years plus with BMO Harris Bank, N.A.

Current Licenses held: Life Insurance (since 1994) & Health Insurance (Since 1994)