Who We Are

Kensington Financial Associates is a progressive lending platform that provides cash value loans through life insurance for your business and personal needs. We simplify the loan process and provide our clients with e-loan documents as a hassle-free solution to manage their liquidity.


Teddy Heichman

Teddy Heichman

President & CEO

Mr. Heichman has over 30 years of practice in, and a deep understanding of, the finance industry which stems from his work with retail, credit, and international private banking. By managing large banking divisions with branches and representative offices in 8 different countries, Mr. Heichman is a seasoned veteran in banking management, financial advising, and investments for high net worth individuals and families.


Jeanne Leconte Director of Loan Operations

Ms. Leconte supports the sales team by engaging in credit analysis and underwriting of insurance loan packages for both individuals and businesses. At Kensington Financial Associates, Ms. Leconte is responsible for the design and implementation of financial strategies and end-to-end case management. She has an extensive legal background and she synthesizes her various disciplines to develop customized planning solutions and unparalleled 360-degree strategies on behalf of her clients.

Nicholas Yevglevski Business Development & Sales Director

Mr. Yevglevski is responsible for developing agent and client relationships capitalizing on existing Whole Life Insurance policies. He has more than 18 years of experience in Information Technology business development and sales, with deep knowledge of different IT products and solutions. He also has extensive experience in working with small business owners helping them get funding for their businesses. This positions him as a leader in providing financial solutions for Kensington Financial Associates’ clients.

Advisory Panel

Marlene Windmiller, Esq.

Ms. Windmiller is a Financial Representative for Guardian and a member of the Guardian Leaders Club and recipient of the Guardian’s Christopher Ferrara Memorial New Agent of the Year. Due to her keen eye for new opportunities and a multilateral background in insurance, finance, and law, Ms. Windmiller recently won Surplus Line and is a member of Guardian’s President’s Council. For nearly 16 years, Ms. Windmiller was the CO-founder and Principal of Klein Windmiller, LLC, a boutique legal consulting and recruiting firm specializing in strategic global attorney placement.

Jeff Kugler, CLU®, ChFC®

Mr. Kugler has nearly three decades of experience in the insurance industry. He joined the Guardian Home Office in 1996, working in various departments, including Product Support, Conservation, and Competition and in Product Development, where he helped initiate multiple product enhancements. In 2005, he became the Southwest Regional Director of Life Safes, covering 12 states and more than 20 offices. Through his leadership, Mr. Kugler’s 12-state region became the territory with the largest sales volume for four consecutive years.

What We Do:

Direct-to-Business Loans:

A tax-efficient way to unlock access to business funding using your life insurance.

  • Increased business cash flow
  • Purchasing inventory and equipment
  • Hiring staff
  • Purchase additional coverage
  • Other business and commercial use

Personal and Trust Loans:

A cost efficient way to access the equity in your whole life policy.

  • Your home
  • Your family
  • Your investments
  • Your retirement
  • Your own personal use and enjoyment

Contact Us

Aventura, FL
+1 (877) 298-7331