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

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

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

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...

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

Life insurance policies have long been heralded as “the great financial Swiss Army knife” in financial planning (by those who know how to...

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

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