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Now THIS is an investment expert worth listening to... but why bother?
Some time ago, I wrote a blog post critical of Warren Buffett's investment advice. However, today's post deals with a person who actually...

David H. Kinder, RFC®, ChFC®, CLU®
Jul 11, 20182 min read


Titles, Designations, and Compensation… Oh My!
Note: This is a reposted article that I wrote about 3 years ago or so... and I've found it plagiarized in various places on the internet....

David H. Kinder, RFC®, ChFC®, CLU®
Jun 18, 201811 min read


Should you maximize your employer's 401(k) match? Let's do the math on that.
It is common traditional financial advice that everyone "should" maximize their employer matching contributions on their 401(k). That...

David H. Kinder, RFC®, ChFC®, CLU®
Jun 18, 20184 min read


Disagreeing With "The Oracle of Omaha" is Practically Sacrilegious... but I'm Doing It
Warren Buffett claims that if you invested $114 in the first quarter of 1942 in the S&P 500 Index - AND HELD IT - you would have over...

David H. Kinder, RFC®, ChFC®, CLU®
Apr 25, 20182 min read
I LOVE Being Published!
There's some talk in our industry regarding digital platforms (like Amazon) to "take over" our industry and put agents and advisors out...

David H. Kinder, RFC®, ChFC®, CLU®
Apr 25, 20181 min read


Should You Start A Business in Retirement?
Retirement is being reinvented. It's no longer just retiring and doing some travel, but it's about a new phase of life! A phase that...

David H. Kinder, RFC®, ChFC®, CLU®
Apr 18, 20182 min read


A Balanced Perspective Towards Taxes
Note: None of this post constitutes tax advice or advice about filing taxes. This post is for educational purposes only. If you...

David H. Kinder, RFC®, ChFC®, CLU®
Apr 9, 20184 min read


F.A.Q. #9 - Is a 'Fiduciary Securities Advisor' in YOUR Best Interests?
The term 'fiduciary' has become FAR more marketing 'hype' than it really deserves to be, and that 'hype' is serving only ONE kind of 'advisor' - an advisor that, ironically, might NOT be in YOUR best interests! Please allow me to explain: In the financial services world, nearly anyone can call themselves a financial advisor, regardless of licensing. The term 'financial advisor' is not a regulated term. The following titles are regulated terms with corresponding licensing:

David H. Kinder, RFC®, ChFC®, CLU®
Mar 16, 20186 min read


Investments will LOWER Your Potential Retirement Income! (Safe Withdrawal Rate)
About 4 years ago, Morningstar Research, Inc., adjusted their recommendations of a 4% "safe" withdrawal rate... to a 2.8% "safe"...

David H. Kinder, RFC®, ChFC®, CLU®
Mar 14, 20182 min read


Points vs %'s: Which one to pay more attention to?
Today, the DJIA closed down -1,175 points below last Friday's -665 points. What does this mean? I don't know. I'm not an economist. ...

David H. Kinder, RFC®, ChFC®, CLU®
Feb 5, 20181 min read
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