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How does an IUL "Wash Loan" work:
One of the greatest advantages of cash value life insurance is the ability to pledge it as collateral for a loan. Life insurance cash...

David H. Kinder, RFC®, ChFC®, CLU®
Mar 17, 20234 min read


"Do the insurance contracts you offer meet fiduciary duty standards?"
This was a question posed to another professional I work with in my financial group. He was asked this by an IAR (Investment Advisor...

David H. Kinder, RFC®, ChFC®, CLU®
Mar 16, 20233 min read


Let's talk about the U.S. Tax Code as it relates to what we advocate
I like being well read, well researched, and well-documented when it comes to the strategies I like to promote. I will admit... to being...

David H. Kinder, RFC®, ChFC®, CLU®
Mar 14, 202312 min read


Recent Bank Failures and You
Lots of panicking headlines over the past few days about Silicon Valley Bank and Signature Bank. Should you be worried? And are other...

David H. Kinder, RFC®, ChFC®, CLU®
Mar 13, 20234 min read


David, How Are You Compensated?
This article is very timely. I was at a professional conference a month ago and had the idea to write this article at that time. Since...

David H. Kinder, RFC®, ChFC®, CLU®
Mar 10, 20233 min read


Safe Withdrawal Rate and Level vs Increasing Income Considerations
I had a good meeting the other day and it sparked up a question that I hadn't written about before. First, the premise: The safe...

David H. Kinder, RFC®, ChFC®, CLU®
Mar 10, 20233 min read


What makes a good client?
I've been giving this some thought as I thought it would make an excellent blog article. Let me start with the obvious: Yes, it is up...

David H. Kinder, RFC®, ChFC®, CLU®
Mar 10, 20236 min read


"It's just not for me."
This is a different blog article because it's not necessarily specific to any one thing. It's about a comfort level about using various...

David H. Kinder, RFC®, ChFC®, CLU®
Jan 18, 20233 min read


What about Tax Equivalent Yield (TEY) investing?
Back in my designation studies, we certainly studied the tax code, but it was primarily focused on accumulating money, particularly in...

David H. Kinder, RFC®, ChFC®, CLU®
Dec 21, 20222 min read


Understanding Collateral Uses for Credit and Wealth:
What is collateral and how can I use it in my life? Learning about the various uses of collateral is not something that is discussed at...

David H. Kinder, RFC®, ChFC®, CLU®
Oct 28, 20225 min read
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