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Understanding the Safe Withdrawal Rate
A few years ago, I was talking about the Safe Withdrawal Rate with another advisor. What he asserted was that you could still grow your...

David H. Kinder, RFC®, ChFC®, CLU®
Aug 8, 20222 min read


Stock Market Risk vs Index Performance Risk: Is Zero YOUR Hero?
Last month, I had the privilege to be invited and flown to the corporate office of a prominent insurance company to learn about their...

David H. Kinder, RFC®, ChFC®, CLU®
Aug 5, 20225 min read


1035 Exchange Considerations
First, what is a 1035 exchange? A 1035 exchange is similar to a 1031 exchange in real estate. It preserves the tax basis and the gains...

David H. Kinder, RFC®, ChFC®, CLU®
Aug 2, 20223 min read


Myth #17: "Just Invest the same way that insurance companies do... without the costs!"
One common response or objection to life insurance and annuity insurance contracts is that, because they have various expenses or...

David H. Kinder, RFC®, ChFC®, CLU®
May 18, 20223 min read


Selling Depreciated Real Estate CAN be WORSE than a 401(k) for taxes!!
First my caveat/disclosure: I am NOT an expert in this area. I will reference a couple of links to help round out what I'm going to...

David H. Kinder, RFC®, ChFC®, CLU®
Apr 13, 20222 min read


Myth #16: "I'm going to be in a lower tax bracket when I retire." Understanding RMDs
This is a common phrase that I hear from traditional planners, advisors, CPAs, and attorneys. Here's what's interesting about this...

David H. Kinder, RFC®, ChFC®, CLU®
Dec 20, 20214 min read


The AVERAGE American Pays More Than $525,000 in Tax Over A Lifetime!!!
Republished from: https://www.cpapracticeadvisor.com/tax-compliance/news/21211629/americans-pay-more-than-525000-in-tax-over-a-lifetime...

David H. Kinder, RFC®, ChFC®, CLU®
Dec 1, 20213 min read


When is compounding interest NOT in your best interest?
In the world of financial advice, this would sound like heresy. Why would anyone NOT want compound interest on their wealth? Wasn't...

David H. Kinder, RFC®, ChFC®, CLU®
Oct 25, 20214 min read


Can you save and fund retirement using ONLY life insurance?
Indulge me while I start out with this important fact: The rate of return in cash value life insurance SUCKS! And I don't care if you're...

David H. Kinder, RFC®, ChFC®, CLU®
May 14, 20212 min read


The IRA Tax That NO ONE Talks About!
I know that's a bold claim, but even I haven't heard of this one until a couple of weeks ago. Once I heard it, I had to go find an...

David H. Kinder, RFC®, ChFC®, CLU®
May 4, 20212 min read
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