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The Best Tax Lesson with Economist Art Laffer
This was just FANTASTIC! I just finished watching this interview with Art Laffer... THE Art Laffer who is famous for "The Laffer Curve". ...
David H. Kinder, RFC®, ChFC®, CLU®
Jan 8, 20191 min read
My Opinions on MLM / Network Marketing
Every once in a while, the topic comes up as I work with various clients as well as other financial professionals who are involved in it....
David H. Kinder, RFC®, ChFC®, CLU®
Nov 24, 20185 min read
Behind the Scenes of Life Insurance Due Diligence
As an independent insurance professional, sometimes the question comes up "How do you pick the companies you choose to represent?" It's...
David H. Kinder, RFC®, ChFC®, CLU®
Nov 15, 20186 min read
Is Your Financial Planning Pyramid UPSIDE DOWN?
I have seen too many YouTube videos and articles from other "financial advisers" that seem to promote this financial planning pyramid. Here's their recommendations and why in a nutshell: 1. Have bank emergency savings Why? In the event of an emergency, you don't have to put any new debt on a credit card. How much? They typically recommend about 6 months for an emergency fund. 2. Term life insurance. Why? Just in case you pass away during your working years, the ben
David H. Kinder, RFC®, ChFC®, CLU®
Nov 7, 20183 min read
Government Regulated Savings Plans Include Government Imposed Restrictions
https://www.irahelp.com/slottreport/you-can-contribute-more-your-ira-2019 Everyone is "cheering" that you get to put more into your IRA or 401(k) plan next year! (Woohoo!; /end sarcasm) Yes, you can get a higher amount for tax postponement today. But is that really in your long-term best interest? If you defer taxes today and you're at the 20% bracket (or even lower)... what bracket will you pay when you pull the money out? Do you think taxes will be at this same level
David H. Kinder, RFC®, ChFC®, CLU®
Nov 5, 20181 min read
DING, DING, DING! WE HAVE A WINNER!
It's quite rare lately that I find an article about almost ALL the myths surrounding life insurance in one place... but today, I have...
David H. Kinder, RFC®, ChFC®, CLU®
Nov 2, 20188 min read
The 7 Criteria To Evaluate and Compare Capital Investments
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
David H. Kinder, RFC®, ChFC®, CLU®
Nov 1, 20185 min read
Life Insurance Myth #4: The costs of insurance in a UL or IUL policy will grow too expensive.
This myth comes from those who believe that whole life insurance is the ONLY cash value life insurance policy one should own... because of the guarantees. And these advocates of "whole life only" use the past as an example of what can happen with Universal Life insurance. As someone who pays attention to life insurance headlines over the years, it's not hard to find lawsuits about various "imploding" universal life insurance policies. Here are just a sampling of the recen
David H. Kinder, RFC®, ChFC®, CLU®
Oct 17, 20185 min read
F.A.Q. #4 - How does Indexed Interest work with Fixed Indexed Insurance Contracts
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...
David H. Kinder, RFC®, ChFC®, CLU®
Oct 15, 20189 min read
Life Insurance Myth #3: You are worth more dead than alive with life insurance
Today, let's talk about the "windfall" that life insurance creates. Or rather, how it is NOT a "windfall" at all. Insurance companies are not in the business of making people rich. They are in the business of transferring risks. And insurance companies have guidelines regarding how much a person can be insured for. Just because you may want $5 million of coverage, does not mean that you'll qualify for it - medically OR financially. This is a chart of the financial under
David H. Kinder, RFC®, ChFC®, CLU®
Oct 14, 20182 min read
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