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

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, 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 myth is an interesting one. And this myth strikes at the core of how ethical one’s profession and conduct really is. Is the life insurance profession one of moral and ethical character? The industry at large… might not be of the highest moral character! But individual agents, advisors, and consultants… SHOULD be of the highest moral and ethical character! Just about 3 years ago or so, I heard a clip from a radio show of VERY well known investment advisor talk about

This blog article today is primarily in response to articles by fiduciary securities advisers like this one: http://blairbellecurve.com/l...

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:

About 4 years ago, Morningstar Research, Inc., adjusted their recommendations of a 4% "safe" withdrawal rate... to a 2.8% "safe"...