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

The word 'commission' can bring about a few unpleasant thoughts. It's often associated with over-priced and under-represented items such...

The way some insurance agents act about getting a decline, almost makes it like the proverbial "kiss of death" of someone ever getting...

I've written a lot about life insurance here on this blog. Some people even consider me to be an 'expert'. (I don't necessarily believe...

I was on a podcast recently to discuss my latest white paper on Fiduciary Duty and the question often comes up: "What should a...

This question sometimes comes up because of the common refrain from many independent insurance agents: "We represent over 30 companies...

Last month, I had the privilege to be invited and flown to the corporate office of a prominent insurance company to learn about their...

It's conventional wisdom that paying a 0% interest loan is the ultimate way to go - particularly for large purchases like automobiles....

A common refrain heard throughout the mutual company sales forces is "mutual matters". This obviously serves these companies' agenda to...

I wasn't really planning on doing this. I was going to try to "let it go" (everybody sing along!)... but I couldn't. The writing...

One of the advantages of being an independent agent, is the freedom of expression and the creation of my own marketing materials. ...

I have an Android phone. I check my Google Chrome application at least daily. Because of my profession, I get a fair amount of articles...

Today's blog post is an adaptation and direct citation of an article by Hank Brock, CPA, MBA, ChFC, CLU, RFC that was originally...

This is a strange topic at times, depending on who you're talking to. Life insurance came out FIRST, way before Senator William Roth...

I recently came across this video presentation done by my LinkedIn contact Louis LaBash. Louis is selling a software service to other insurance agents and financial advisors to help them to promote the benefits of Indexed Life Insurance to their clients for generating retirement income. And as I watched this, I LOVED it! What you'll learn is how cash value life insurance, when properly structured, can generate SUPERIOR retirement income cash flow compared to other ways of

Today's blog post is a bit of a strange one. Over 10 years ago, I didn't know how to initiate contact with people on a professional basis, to discuss their financial and life insurance planning. I had ordered books from Frank J. Rumbauskas at that time in order to get people to contact me for the kind of work I did. He wrote books with the titles of "Never Cold Call Again!" and "Cold Calling is a Waste of Time" - which resonated with me at the time because I had previousl

It is often said in sales “don’t build people a watch when they just want you to tell them the time.” However, with how often these...

Life insurance policies have long been heralded as “the great financial Swiss Army knife” in financial planning (by those who know how to...

Well, this headline and pic should get plenty of attention on my LinkedIn and Facebook channels! I decided to do a series of posts on...

This concept has many different names - all a variation on a theme: "Infinite Banking", "Bank on Yourself", "Banker's Secret to Family...

In an earlier blog post, I talked about "needs-based" financial planning and that it was a product of financial companies putting their...

Today's blog post is about my own views of how "needs-based" financial planning came about... because I believe it is an over-used and...

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

The term 'fiduciary' has become FAR more marketing 'hype' than it really deserves to be, and that 'hype' is serving only ONE kind of 'advisor' - an advisor that, ironically, might NOT be in YOUR best interests! Please allow me to explain: In the financial services world, nearly anyone can call themselves a financial advisor, regardless of licensing. The term 'financial advisor' is not a regulated term. The following titles are regulated terms with corresponding licensing: