David H. Kinder, ChFC | Lifetime Tax & Wealth Educator

Dynamic Advanced Insurance, Financial, and Retirement Strategies

Welcome Friends,


I'd like to take a few minutes of your time to introduce myself to you.  My name is David Kinder.  I am the owner of David Kinder Insurance and Financial Solutions.  I am an over 15-year veteran of the insurance and financial services industry.  I have served the needs of residents and business owners in Southern California in a variety of capacities:  Banker and Operations Manager of Wells Fargo Bank, Financial Advisor and Trust Liaison Officer at Wescom Financial Services, Insurance Agent and Financial Advisor at MassMutual Financial Group, and currently as a Financial Consultant serving families, retirees, and business owners with unconventional strategies to help them accomplish their protection and wealth accumulation goals.  

I studied advanced financial planning through my studies with The American College of Financial Services.  I took private university level courses for over two years and passed eight exams proving my expertise in financial planning subjects such as investments, retirement planning, income taxation, insurance matters, and estate planning.  Additionally, the State of California has licensed me to assist people with insurance issues to best protect their financial and estate values.  My thoughts on ethics & misrepresentation and technology in financial services have been featured in articles in Insurance Selling Magazine and the ThinkAdvisor website

Professional Experience:

  • Wells Fargo Bank, N.A.: Personal Banker and Service Manager (2001 - 2004)

  • American Express Financial Advisors: Financial Advisor Trainee (2004)

  • Wescom Financial Services, LLC: Financial Advisor and Trust Liaison Officer (2005 - 2007)

  • MassMutual Financial Group: Financial Advisor and Insurance Agent (2007 - 2009)

  • Combined Insurance Company of America: Insurance Agent (2011 - 2012)

  • Mutual of Omaha: Insurance Agent (2012)

  • Ohio National Financial Services: Financial Services Professional (2020 - present)

  • David Kinder Insurance and Financial Solutions (2007 - present)


Education • Recognition • Licenses:

Professional Association Memberships: 

Industry Publications:

I look forward to serving your needs and helping you to craft the financial future you want for you and your family.

David Kinder

David H. Kinder, ChFC​ | Lifetime Tax & Wealth Educator

Dynamic Advanced Insurance, Financial, and Retirement Strategies

3578 Atchison Circle
Riverside, CA  92503-5166 

Phone & Text: 


Regulatory Disclosure:

David H. Kinder, ChFC® is regulated by the California Department of Insurance as a life, accident & health insurance agent (CA Insurance License #0E54187)​.  This communication is strictly intended for individuals residing in the state(s) of CA. No offers may be made or accepted from any resident outside the specific states referenced until proper state insurance licensing and company appointments are secured for that given state. David Kinder Insurance and Financial Solutions is the marketing name for David H. Kinder, ChFC® and is not affiliated with any other company.  Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Guarantees do not apply to the performance of any particular index option on fixed indexed insurance contracts, or on projected dividends on participating insurance contracts.  Not all recommendations necessarily require insurance product purchases. Not all products are appropriate or available for all situations. Results are not guaranteed and are subject to individual situations and circumstances. Listing company client access links under the "Client Access" menu does not constitute any endorsement, filing, or approval of this website or its content by such listed companies.  Client access links are provided for client convenience only.

Not Legal, Tax, or Securities Investment Advice:

The material discussed on this web site is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, or investment advice, nor does it represent any specific company or specific products.  David H. Kinder, ChFC® is not registered nor licensed as a Registered Investment Advisory Firm (RIA), Investment Advisor Representative (IAR), nor as a Registered Representative (RR) with any broker/dealer firm, and is therefore not registered with, or supervised by, the U.S. Securities and Exchange Commission (SEC), Financial Industry Regulatory Authority (FINRA), or any state securities regulatory office.  As such, David H. Kinder, ChFC® does not provide investment advice, specifically: buying, selling, holding, risk analysis, or any other analysis of securities, nor the asset allocation of securities portfolios. For specific investment advice on your securities investment portfolio, please contact a licensed and registered investment professional in your state.

He does offer general investment information for educational purposes and may propose alternative financial strategies that do not contain or include securities. He does also discuss the pros and cons of various kinds of accounts (such as IRS Regulated Retirement Plans) and is considered incidental advice surrounding various strategies and solutions, but does not necessarily constitute advice on the underlying securities.  

For tax or legal services and advice, please consult a licensed professional in your state.  Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary and the information should be relied upon only when coordinated with individual professional advice.

The ChFC® is the property of The American College of Financial Services, which reserves sole rights to its use, and is used by permission.  

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