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Riddle Me This:
If the stock market has doubled... but the national debt is still very high... won't somebody need to pay somebody at some point? If the...
David H. Kinder, RFC®, ChFC®, CLU®
Feb 1, 20201 min read
If Financial Planning was Chess... Which Assets and Accounts Would Be Which Pieces?
Chess is a game of strategy - no question about that. I am a chess amateur. I usually play against the computer - so no one else can...
David H. Kinder, RFC®, ChFC®, CLU®
Jan 31, 20202 min read
Government Spending Trends
Did you know that every two years, the IRS publishes the Income and Outlays of Government Spending? It's tucked in the back of the...
David H. Kinder, RFC®, ChFC®, CLU®
Jan 30, 20203 min read
How Can We Plan With Ever-Increasing Retirement Targets???
A couple months ago, there was this article: How much you’ll need to invest each month to retire with $5 million at age 20, 30, 40 and...
David H. Kinder, RFC®, ChFC®, CLU®
Jan 29, 20202 min read
Do you think the Government knows what Einstein knew? Does your fiduciary securities advisor know?
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
David H. Kinder, RFC®, ChFC®, CLU®
Jan 24, 20204 min read
Opinion: How to choose a financial professional?
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...
David H. Kinder, RFC®, ChFC®, CLU®
Jan 24, 20203 min read
Do you have Death Insurance? Or Life Insurance? What's the difference?
In my professional opinion, term insurance (and group insurance through employers)... is Death Insurance. It only has one benefit: a...
David H. Kinder, RFC®, ChFC®, CLU®
Jan 23, 20203 min read
"We want your money here. We just happen to call it 'planning'."
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...
David H. Kinder, RFC®, ChFC®, CLU®
Jan 20, 20204 min read
What do annuities contractually solve for?
This is an article by Stan "The Annuity Man" Haithcock, who has written several books on the topic of annuities. I will also add some...
David H. Kinder, RFC®, ChFC®, CLU®
Jan 18, 20204 min read
Life Insurance Myth 4b: "I can get cheaper whole life with 'vanishing premiums'."
This post is an extension of my previous post regarding UL/IUL ongoing expenses, and I primarily talked about the funding levels being...
David H. Kinder, RFC®, ChFC®, CLU®
Jan 14, 20203 min read
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