David H. Kinder, RFC®, ChFC®, CLU® 
Asset Structuring Architecture & Design
David Kinder Insurance and Financial Wealth Solutions
David Kinder Financial Consulting and Analysis Services

If you were to open a bank, financial institution, Wall Street-based institution, or even the Internal Revenue Service division... what would be your criteria to ensure that you were running a profitable business? To build a profitable financial business, then you would live by four rules - the same four rules that EVERY financial institution (and Government) live by. Rule #1: They want ALL your money. (Somehow, the word 'duh' comes to mind.) Banks: When I worked for a larg

I have seen too many YouTube videos and articles from other "financial advisers" that seem to promote this financial planning pyramid. Here's their recommendations and why in a nutshell: 1. Have bank emergency savings Why? In the event of an emergency, you don't have to put any new debt on a credit card. How much? They typically recommend about 6 months for an emergency fund. 2. Term life insurance. Why? Just in case you pass away during your working years, the ben

For any given "bucket of money", there are many ways to work with it to generate a given result. How can we get the clarity we need in order to make a clear decision? We need the criteria to evaluate in order to make a better and more informed decision. I have determined that there are 6 and an optional 7th criteria to evaluate to determine how you want to manage your money. We'll take a tour of them and define them so you can make a clearer decision that feels right to yo

One of the tests of a valuable agent is that they are available for service and advice AFTER the sale. Unfortunately, insurance company customer service is NOT a source of advice. They can tell you what you CAN do and they will do what you REQUEST of them… but not necessarily give you ideas on the best ways to go. Case in point: Back in 2000, my father experienced a downturn in his business. He runs a county-owned (or state owned - depending on California politics) cafet

Well, that's a long title! But the question remains: What is the equivalent value of life insurance to most traditional retirement income planning? First, let's talk about the "elephant in the room": The rates of return on all cash value policies will NOT out-pace investment equivalents. However, from a TAX perspective, life insurance is FAR more efficient. So, let me ask you this question: Which would you rather have? a) $5,000,000 b) $3,000,000 Now, most people would