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Always nice to be published: IARFC White Paper on Fiduciary Duty
Cover of my new White Paper on Fiduciary Duty published by the IARFC association! When I saw that the theme for the Spring, 2025 edition...

David H. Kinder, RFC®, ChFC®, CLU®
May 62 min read
12 views


Incorporating to save on payroll taxes? Understand the trade-offs!
Disclosure: This is not tax filing advice or legal entity advice. If you need legal or tax advice, please consult with the appropriate...

David H. Kinder, RFC®, ChFC®, CLU®
Apr 124 min read
1 view


Have you outgrown your 401(k) or similar retirement plans?
With experience comes new perspectives. Life insurance agents promoting tax-free (or in my opinion 'tax-exempt') retirement strategies...

David H. Kinder, RFC®, ChFC®, CLU®
Mar 313 min read
3 views


Myth #19: Life Insurance Should Only Be Bought for Life Insurance Purposes (i.e. death benefits)
I'm going to get quite a few dissenting opinions on this article, particularly on LinkedIn and other places where agents love to debate...

David H. Kinder, RFC®, ChFC®, CLU®
Mar 235 min read
31 views


"Why doesn't my accountant call me with ideas on how to save on taxes?"
Trevor Myres, CPA/PFS posted the question (and answer) on LinkedIn to that question. His answer: "I hear this all the time, and the...

David H. Kinder, RFC®, ChFC®, CLU®
Dec 26, 20242 min read
6 views


Whole Life, IUL, VUL, etc., is it all just a factor of investment risk tolerance? No!
I've been meaning to shed light on this for quite some time because most consumers, let alone most agents, don't necessarily factor in...

David H. Kinder, RFC®, ChFC®, CLU®
Dec 18, 20244 min read
108 views


"Will you talk with my financial advisor?" No.
This is an often seemingly reasonable request by a client to have a new proposal reviewed by their current advisor to ensure that they...

David H. Kinder, RFC®, ChFC®, CLU®
Dec 17, 20242 min read
15 views


Myth #18: Act of War, War Exclusion Clauses with Life Insurance
There is a myth out there that life insurance companies may not pay out a death benefit in the event a soldier dies in the line of duty...

David H. Kinder, RFC®, ChFC®, CLU®
Oct 2, 20242 min read
44 views


What is the purpose of insurance continuing education courses?
This month, I celebrate my 20th year as a licensed insurance agent. I also got a new notice of new continuing education requirements...

David H. Kinder, RFC®, ChFC®, CLU®
Aug 5, 20242 min read
22 views


Salesperson vs Client Building: What's the Difference? Is one better than the other? Motives behind each!
This morning, I woke up to a comment on one of my YouTube videos. It said "Spoken like a true insurance salesman." There is one company...

David H. Kinder, RFC®, ChFC®, CLU®
Jul 29, 20243 min read
17 views
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