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Two Articles that Make You Go... "Hmmm"...
I don't know if you have ever heard of the "Retirement Red Zone" (this is the 5 years before and 5 years after you retire and taking...

David H. Kinder, RFC®, ChFC®, CLU®
Sep 7, 20182 min read
How and Why Life Insurance is PERFECT for Long Term Savings
This blog article today is primarily in response to articles by fiduciary securities advisers like this one: http://blairbellecurve.com/l...

David H. Kinder, RFC®, ChFC®, CLU®
Sep 4, 20185 min read
25 Reasons to Love Life Insurance - Insurance Selling Magazine
I love it when I'm quoted in industry articles and publications like these! Here's a link to the PDF version of the article here. (I'm...

David H. Kinder, RFC®, ChFC®, CLU®
Aug 29, 20181 min read


How do YOU evaluate the job other professionals do for you?
When was the last time you got all your various financial advisors in a room together to determine how well each of you was doing... in...

David H. Kinder, RFC®, ChFC®, CLU®
Aug 20, 20184 min read


Are you intimidated by financial advisors and their fancy terminology?
You may find this hard to believe, but some people are AFRAID of their finances AND of financial advisors! In fact, the very people who...

David H. Kinder, RFC®, ChFC®, CLU®
Aug 7, 20182 min read


F.A.Q. #8 - What exactly IS needs based planning?
Today's blog post is about my own views of how "needs-based" financial planning came about... because I believe it is an over-used and...

David H. Kinder, RFC®, ChFC®, CLU®
Aug 6, 20187 min read


Bacon, Dr. Pepper, and... William Shatner?
What do these three have in common? Longevity. First, the bacon story: https://www.usatoday.com/story/news/nation-now/2015/10/06/worlds-...

David H. Kinder, RFC®, ChFC®, CLU®
Aug 5, 20182 min read


Myth #10 - You Don't Need Life Insurance on Your Children
Critics of those who sell life insurance on children often say that it's an unnecessary expense. "After all, they aren't making any...

David H. Kinder, RFC®, ChFC®, CLU®
Jul 27, 20181 min read


Beware of Political Accounting Tactics!
I saw this meme in one of my friends' Facebook feed without citing any sources: Let's find out the truth: And so let's look at the truth...

David H. Kinder, RFC®, ChFC®, CLU®
Jul 22, 20181 min read


F.A.Q. #11 - What Is the Capital Equivalent Value of Life Insurance in Retirement?
Well, that's a long title! But the question remains: What is the equivalent value of life insurance to most traditional retirement income planning? First, let's talk about the "elephant in the room": The rates of return on all cash value policies will NOT out-pace investment equivalents. However, from a TAX perspective, life insurance is FAR more efficient. So, let me ask you this question: Which would you rather have? a) $5,000,000 b) $3,000,000 Now, most people would

David H. Kinder, RFC®, ChFC®, CLU®
Jul 16, 20183 min read
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