​You've worked hard to build your income, business, and wealth. You've played by the rules, paid your taxes, and saved diligently for the future.
 

But here's what most people never realize: How your assets are structured matters more than how much you earn or save. 

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The Structure Determines the Outcome

I’m David Kinder, a Registered Financial Consultant, Chartered Financial Consultant, and Chartered Life Underwriter.

 

I help professionals, entrepreneurs, and business owners architect their wealth structures - so they can keep more of what they build, minimize unnecessary taxation, and design the income and legacy they actually want.

The truth is, the financial system isn't designed for efficiency - it's designed for collection. Between income taxes, Social Security taxation, IRMAA penalties, and capital gains exposure, even high achievers lose a staggering portion of their wealth simply because their assets are structured inefficiently.

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There's a Better Way: Asset Structuring Architecture & Design

Through my Asset Structuring Architecture & Design process, I help my clients:
 

✅ Reduce or eliminate taxes on retirement income

✅ Leverage business equity and real estate without triggering unnecessary tax

✅ Structure ownership and income flows for optimal after-tax wealth

✅ Legally position business exits and transfers for maximum retention

✅ Coordinate personal, business, and estate strategies into one cohesive design.
 

This isn't about "beating the system."

It's about understanding it deeply enough to redesign your position within it.
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Who I Work With

My clients are professionals, entrepreneurs, and business owners - people who think like builders and want to make more informed and more deliberate financial decisions.

Whether you are planning your retirement, growing your enterprise, or preparing for an eventual exit, I'll help you structure your assets so you can live with greater freedom, flexibility, and control.​

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What Makes My Approach Different

Most advisors focus on accumulation.
I focus on coordination - the way income, entities, and ownership structures work together to create sustainable wealth. 
 

​✔️ 150+ in-depth articles documenting advanced financial and tax strategies
✔️ Industry speaker & contributor to top financial publications
✔️ Mentor to 13,000+ financial professionals worldwide

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Your Wealth. Your Structure. Your Control.

You built your success.

 

Let's make sure the way it's structured allows you to keep it - and grow it - with confidence. 
 

Are you ready to design a better financial architecture for your future? 
Let's talk.

David Kinder
David H. Kinder, RFC®, ChFC®, CLU® ​

Asset Structuring Architecture & Design
David Kinder Insurance and Financial Wealth Solutions

David Kinder Financial Consulting and Analysis Services