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David, can I do tax-exempt retirement strategies... even if I'm uninsurable?
This is a question I often get from people who have worked with agents in the past, talked to them about their medical history, and...

David H. Kinder, RFC®, ChFC®, CLU®
Mar 24, 20213 min read


Myth #15: Whose Money Is It Anyway?
I talk to insurance agents and financial advisors all over the country. On more than one occasion as we discuss various retirement...

David H. Kinder, RFC®, ChFC®, CLU®
Nov 19, 20202 min read


Myth #14: Never mix investments with insurance
For today's article, I want to talk about something that I'm seeing as an ongoing trend. Large insurance companies that were offering...

David H. Kinder, RFC®, ChFC®, CLU®
Nov 6, 20202 min read


Understanding Life Insurance Dividend Payout Announcements
This is about the time of the year when all the major mutual insurance companies announce their annual dividend rate or payout. I just...

David H. Kinder, RFC®, ChFC®, CLU®
Oct 29, 20203 min read


Recommended Reading List
One of the key things we do with those who are investigating our strategies for themselves is to encourage them do their own research. The internet will have no shortage of "keyboard warrior experts" to claim how "they're right and we're wrong." (I've found that "the internet" is full of data... but low on wisdom.) While my blog has been read by many industry leaders and compliance experts, it's also good to reference 3rd party resources that don't have any vested interest

David H. Kinder, RFC®, ChFC®, CLU®
Oct 16, 20202 min read


White Coat Investor on Whole Life Insurance
I could've sworn that I wrote about this article, but I can't find it. So it's better to just write it again than wonder where it is. ...

David H. Kinder, RFC®, ChFC®, CLU®
Jun 19, 20202 min read


Financial Entertainers warn against IRS Regulated Retirement Plan Contributions! Ramsey and Orman
I am copy/pasting the link and article here, but this isn't about Suze (although it could be). This is a wake-up call. If these...

David H. Kinder, RFC®, ChFC®, CLU®
Jun 19, 20204 min read


Do you have a Business Interruption Strategy?
From the description box on this YouTube video from Life Happens: Being a small-business owner is rewarding. It gives you the freedom to...

David H. Kinder, RFC®, ChFC®, CLU®
Mar 23, 20202 min read


Are you a REAL Millionaire? Or a Fake Millionaire? Don't get faked out!
One of the reasons why "traditional" planning is so prevalent, is the definition of success in our society. The word "millionaire" is...

David H. Kinder, RFC®, ChFC®, CLU®
Mar 17, 20202 min read


Financial Amnesia: Do you want "bragging rights"? Or do you want real retirement wealth?
Allow me to share with you some observations I've noticed in recent years: "My investment advisor got me 22% last year." "The market lost...

David H. Kinder, RFC®, ChFC®, CLU®
Mar 16, 20202 min read
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