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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
Fiduciary Securities Advisors are often very closed minded
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
David H. Kinder, RFC®, ChFC®, CLU®
Jan 13, 20201 min read
"The Government giveth and the Government taketh away"
InvestmentNews: "The "Stretch IRA" is dead." - Ed Slott, CPA PDF copy of article: <click here> You might ask "What is a Stretch IRA"? The...
David H. Kinder, RFC®, ChFC®, CLU®
Jan 6, 20201 min read
Review: PBS: Teresa Ghilarducci: Why the 401(k) is a “Failed Experiment”
Original link: https://www.pbs.org/wgbh/frontline/article/teresa-ghilarducci-why-the-401k-is-a-failed-experiment/ PDF copy: <click here> This article was a SCATHING review on the entire path of America's retirement savings systems. I couldn't have written something better... aside from their ending conversation and ultimate conclusions. I'll post some of the larger quotes of the article, and then I want to go a bit deeper into it. I read the article, but sometimes reading
David H. Kinder, RFC®, ChFC®, CLU®
Dec 11, 20196 min read
How To Manage Your Cash Value Life Insurance Policy in Retirement
I was on a webinar the other day, and the presenter, whom I really respect, was saying that "Indexed Universal Life is the worst policy...
David H. Kinder, RFC®, ChFC®, CLU®
Dec 9, 20195 min read
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