Blog | David Kinder Insurance and Financial Wealth Solutions

Why Tax-Exempt Retirement Planning Isn’t Just About the Math — And Why That Matters More Than Ever

Most retirement planning discussions begin with numbers. Rates of return. Tax brackets. Projected balances. Distribution strategies. Those elements are important—but they are not sufficient. Increasingly, people are making retirement planning decisions based on something deeper than spreadsheets: trust . And for many taxpayers today, that trust has been seriously shaken. When Taxpayer Anger Is Rational Recent reporting and ongoing investigations in Minnesota allege that hundr

David H. Kinder, RFC®, ChFC®, CLU®

Dec 316 min read

Why Fee-Only Fiduciary Advisors Often Dismiss Cash-Value Life Insurance — and Why Consensus Is Sometimes Impossible

Fee-only fiduciary advisors are trained to be highly sensitive to cost. In the world of investment management, that discipline is not only appropriate—it is essential. Excessive fees compound negatively, erode long-term returns, and can materially impair client outcomes. Viewed through that lens, cash-value life insurance often appears indefensible. Permanent insurance policies carry mortality charges, administrative expenses, rider costs, and opportunity costs relative to ma

Fiduciary Advice

David H. Kinder, RFC®, ChFC®, CLU®

Dec 28, 20256 min read

Meeting Prospective Clients Where They Are — And Guiding Them to Accuracy

Why Language Is a Process, Not a Punchline One of the most misunderstood aspects of professional advising isn’t strategy. It’s language and terminology . Not grammar. Not jargon. But where conversations begin , how ideas are framed , and whether understanding is allowed to evolve . Great advisors don’t confuse clients by being too technical too soon. And they don’t leave clients confused by never becoming precise. They understand something essential: Language is a progression

David H. Kinder, RFC®, ChFC®, CLU®

Dec 27, 20254 min read

Experience Over Credentials

Credentials matter. Education matters. Theory matters. But experience matters more —especially when real people are living off real portfolios in real time. Recently, a LinkedIn exchange highlighted a tension that exists throughout our industry: the difference between what the math says should be an opportunity and what actually happens when retirees face a market downturn without the luxury of time, surplus capital, or emotional distance. On paper, market corrections are “o

David H. Kinder, RFC®, ChFC®, CLU®

Dec 22, 20253 min read