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...

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...

With experience comes new perspectives. Life insurance agents promoting tax-free (or in my opinion 'tax-exempt') retirement strategies...

I'm going to copy the entire article here. The main point will be highlighted below. In short, "Fiduciary securities advisors" (what I...

It's easy for financial professionals to "beat up" on portfolio management fees. After all, it's possible that it doesn't feel like...

This is a question that I've had in the back of my head for quite some time... and I finally came up with the right answers to this...

I've been in the financial services industry for nearly twenty years. I'd like to think I've seen and heard about almost everything. I...

This was a question posed to another professional I work with in my financial group. He was asked this by an IAR (Investment Advisor...

This article is very timely. I was at a professional conference a month ago and had the idea to write this article at that time. Since...

I got this article in my mobile feed today and that's when it occurred to me: "Fiduciary duty is like a restraining order. It's not a...

This is a good question and I've learned many ways to explain this over the years. Since this is a blog, I'll outline my lengthier way...

Albert Einstein defined the 8th wonder of the world: Compound Interest. He further states: "He who understands it, earns it. He who doesn't, pays it." I've got one minor correction to make to Einstein's statement: Uninterrupted compound interest is the 8th wonder of the world. I'll expound on that later. But my question to you is this: Do you believe the Government knows this? They do. What happens when you earn interest in a taxable account? You are taxed on it. Wha

LOTS of opinion articles on this topic. The angle of most of these articles is as though you're on a "Tinder for Financial Advisors" and...

A few years ago, I was with a large credit union as a junior financial advisor. At the time, we did financial seminars in our credit...

The following screen-shots are taken from a LinkedIn thread discussion just held today. Names and faces have been blocked. Okay, so you can see how the conversation went. I blocked the names and faces to protect their identities. Here are the two videos that I had referenced: Now, I'm not in the business of changing everyone's beliefs... but I don't mind getting into a challenging conversation about what people believe about the proper use and utilization of mortgages. How

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...

I'm going to say something shocking... so I hope you're sitting down. Ready? ALL financial advisors and insurance agents have a bias! ...

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...

I'm a voracious reader (sometimes a bit too much). When I entered the financial advisor profession in 2004, I wanted every advantage I...

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

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

As I often do with my blog, I’m going to vent a bit due to the unskilled and amateurish attempts of others who have gone before. ...

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