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Social Security Applauds Passage of Legislation Providing Historic Tax Relief for Seniors & my thoughts
The Social Security Administration (SSA) is celebrating the passage of the One Big, Beautiful Bill, a landmark piece of legislation that...

David H. Kinder, RFC®, ChFC®, CLU®
Jul 32 min read


Specialists Should Exercise Temperance in their Advice
I was on a podcast recently to discuss my latest white paper on Fiduciary Duty and the question often comes up: "What should a...

David H. Kinder, RFC®, ChFC®, CLU®
Jun 304 min read


Rage Bait, Trolls, and Social Media
This blog post... admittedly... is for me. I hope it will be thereapeudic. I'm tired. I'm tired of the rage-bait by people who are on a...

David H. Kinder, RFC®, ChFC®, CLU®
May 243 min read


Always nice to be published: IARFC White Paper on Fiduciary Duty
Cover of my new White Paper on Fiduciary Duty published by the IARFC association! When I saw that the theme for the Spring, 2025 edition...

David H. Kinder, RFC®, ChFC®, CLU®
May 62 min read


Incorporating to save on payroll taxes? Understand the trade-offs!
Disclosure: This is not tax filing advice or legal entity advice. If you need legal or tax advice, please consult with the appropriate...

David H. Kinder, RFC®, ChFC®, CLU®
Apr 124 min read


Have you outgrown your 401(k) or similar retirement plans?
With experience comes new perspectives. Life insurance agents promoting tax-free (or in my opinion 'tax-exempt') retirement strategies...

David H. Kinder, RFC®, ChFC®, CLU®
Mar 313 min read


Myth #19: Life Insurance Should Only Be Bought for Life Insurance Purposes (i.e. death benefits)
I'm going to get quite a few dissenting opinions on this article, particularly on LinkedIn and other places where agents love to debate...

David H. Kinder, RFC®, ChFC®, CLU®
Mar 235 min read


"Why doesn't my accountant call me with ideas on how to save on taxes?"
Trevor Myres, CPA/PFS posted the question (and answer) on LinkedIn to that question. His answer: "I hear this all the time, and the...

David H. Kinder, RFC®, ChFC®, CLU®
Dec 25, 20242 min read


Whole Life, IUL, VUL, etc., is it all just a factor of investment risk tolerance? No!
I've been meaning to shed light on this for quite some time because most consumers, let alone most agents, don't necessarily factor in...

David H. Kinder, RFC®, ChFC®, CLU®
Dec 18, 20244 min read


"Will you talk with my financial advisor?" No.
This is an often seemingly reasonable request by a client to have a new proposal reviewed by their current advisor to ensure that they...

David H. Kinder, RFC®, ChFC®, CLU®
Dec 17, 20242 min read
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