top of page
  • Facebook
  • Instagram
  • LinkedIn
  • YouTube
  • Podcast on Spotify!
  • Apple Podcasts
  • iHeart Podcasts!
  • Amazon Podcasts
blueprint-8664842_1280.png

Meet David H. Kinder, RFC®, ChFC®, CLU®

Top Headshot 890cb0cb-8426-4db1-b756-310
IARFC 4-in-1 logos 2025.png
chfc - Transparent.png
clu - transparent.png
NAIFAmember-JPEG-Logo.jpg

David Kinder is a veteran of the insurance and financial services industry.  He has served the needs of American residents and business owners, currently as a Financial Consultant with unconventional strategies to help them accomplish their retirement income and wealth accumulation goals. 

​

He studied advanced financial planning through his various studies with The American College of Financial Services where he took private university level courses for over two years and passed over a dozen exams proving his mastery and expertise in financial planning subjects such as investments, retirement planning, income taxation, insurance matters, estate planning, and planning for business owners.
 

Family

When he’s not working with business owners or writing about planning and purpose, David is simply “Dad”—and that’s his favorite title. He’s incredibly proud of his three kids, each with their own personality, dreams, and direction in life. Watching them grow and chart their own paths has been one of his greatest joys. This photo was taken at one of their favorite spots in Riverside—a reminder that life’s real success is measured in moments like these.

Music

Outside the world of finance and consulting, one of David’s greatest joys is playing the clarinet. Music has long been a creative outlet and a grounding force in his life—reminding him of the value of practice, patience, and harmony, both on and off the stage. He performs with the Riverside Concert Band, a community ensemble that has been making music for 150 years. For David, playing with the band is both an honor and a privilege—a way to connect with others, celebrate tradition, and contribute something beautiful to the community he loves.

​

Professional Experience:

  • David Kinder Financial Consulting and Analysis Services: Owner (2024 - present)

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

  • Mutual of Omaha: Insurance Agent (2012)

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

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

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

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

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

 

Education • Recognition • Licenses:

​

Professional Association Memberships:

  • International Association of Registered Financial Consultants® (IARFC®) is a non-profit professional association formed to foster public confidence in the financial services profession, help financial consultants exchange planning techniques, and recognize practitioners who are truly committed to ethical standards and continuous professional education. We simply want the public to have the best financial advice available.

  • National Association of Insurance and Financial Advisors® (NAIFA®) Founded in 1890, the National Association of Insurance and Financial Advisors is the preeminent association for financial service professionals in the United States of America. NAIFA members, in every Congressional district and every state house, subscribe to a strong Code of Ethics and represent a full spectrum of practice specialties to promote financial security for all Americans. Complimented by its professional development and consumer divisions, the Society of Financial Service Professionals and Life Happens, the association delivers value through advocacy, service, and education.

​

Industry Influencer & Publications:

​​

I look forward to sharing with you the work I do and discovering if we are a fit to work together.


David Kinder
David H. Kinder, RFC®, ChFC®, CLU®

Asset Structuring Architecture & Design
David Kinder Insurance and Financial Wealth Solutions

& David Kinder Financial Consulting and Analysis Services

My 3 kids.jpg
2025 Messiah.jpg

Regulatory Disclosure: Not Legal, Tax, or Securities Investment Advice

The material discussed on this website is provided for general illustration and informational purposes only and should not be construed as legal, tax, or securities investment advice, nor does it represent a recommendation of any specific company or product.

 

David H. Kinder, RFC®, ChFC®, CLU® is not registered nor licensed as a Registered Investment Advisory Firm (RIA), Investment Adviser Representative (IAR), or Registered Representative (RR) with any broker/dealer firm, and is therefore not registered with nor supervised by the U.S. Securities and Exchange Commission, the Financial Industry Regulatory Authority, or any state securities regulatory authority.

 

Accordingly, David H. Kinder, RFC®, ChFC®, CLU® does not provide securities investment advice, including but not limited to recommendations regarding the buying, selling, or holding of securities; securities risk analysis; or the asset allocation of securities portfolios. For advice regarding securities investments, clients should consult a properly licensed and registered investment professional licensed to do business in their state.

 

Educational & Non-Securities Financial Information

David H. Kinder, RFC®, ChFC®, CLU® does provide general financial and investment-related information for educational purposes only and may propose alternative financial strategies that do not involve securities. Discussion of account types (including IRS-regulated retirement plans) is considered incidental to broader planning concepts and does not constitute advice regarding the underlying securities held within such accounts.

 

Tax & Legal Coordination Disclosure

Any discussion of tax matters is provided for general informational and educational purposes only and is incidental to broader financial planning concepts. David H. Kinder, RFC®, ChFC®, CLU® does not provide tax preparation, tax filing, or formal tax advice and does not prepare or file tax returns.

 

Clients should consult a licensed CPA, Enrolled Agent, or tax attorney regarding their specific tax situation. While prudent planning includes identifying potential tax implications, the responsibility for reporting, integrating, or reflecting such matters on any tax return rests solely with the client and their licensed tax professional.

​

For legal or tax services, please consult a licensed professional in your state. Information is derived from sources believed to be reliable; however, individual circumstances vary, and no information should be relied upon without individualized professional coordination.

​

Licensing & Business Disclosure

David H. Kinder, RFC®, ChFC®, CLU® is a licensed life, accident, and health insurance agent in California (CA Insurance License #0E54187) and may be licensed to conduct business in other states, where appropriate.

 

David Kinder Insurance and Financial Wealth Solutions is the marketing name for David H. Kinder, RFC®, ChFC®, CLU® and is not affiliated with any other company.

 

David Kinder Financial Consulting and Analysis Services offers separate financial analysis and consulting services provided pursuant to written engagement agreements and on a fee-for-service basis. Fees for consulting services do not offset commissions earned through product placement. Any recommendations may be implemented with any licensed professional of the client’s choosing, including David Kinder Insurance and Financial Wealth Solutions.

 

Fiduciary & Best Interest Disclosure

Fee-based consulting services are provided solely pursuant to a written engagement agreement and the payment of agreed-upon fees. When acting under such an engagement agreement, services are provided in a fiduciary capacity, limited strictly to the scope of services expressly defined in that agreement.

 

Certain services or recommendations—whether provided within a fee-based consulting engagement or outside of one—may involve the implementation of products or solutions offered by unaffiliated third-party providers. In such cases, compensation may be received through consulting fees paid by the client, commissions paid by third-party product providers, or a combination thereof.

 

When services are provided pursuant to a fiduciary engagement agreement, and commissions or other transaction-based compensation may be received in connection with the placement of products offered by outside companies, such compensation will be fully disclosed in advance, including the nature and source of the compensation, the role of the consultant, and any associated material conflicts of interest, and client consent will be obtained prior to implementation.

 

Outside of a fee-based consulting engagement, services may include education, analysis, and product-related recommendations. In such circumstances, no fiduciary relationship is implied or assumed unless expressly agreed to in writing.

 

Regardless of compensation structure or engagement type, all recommendations and guidance are provided in the client’s best interest, based on stated objectives, financial circumstances, and risk considerations, with appropriate disclosure of material conflicts of interest and compensation arrangements.

Additional information regarding business structure, licensing, compensation arrangements, and implementation options is provided in the Business & Licensing Disclosure.

 

Insurance & Annuity Disclosures

Insurance and annuity product guarantees are backed solely by the financial strength and claims-paying ability of the issuing company. Guarantees do not apply to the performance of any index option within a fixed indexed insurance contract or to projected dividends of participating insurance policies.

 

Planning outcomes are not guaranteed and are subject to individual circumstances. Listing company client-access links under the “Client Access” menu does not constitute endorsement, approval, or review of this website or its content by such companies. Links are provided for client convenience only.

 

Designation & Trademark Notices

The RFC® designation is conferred by the International Association of Registered Financial Consultants and is used by permission.

CLU® and ChFC® are marks of The American College of Financial Services, which reserves sole rights to their use.

​

© David H. Kinder, RFC®, ChFC®, CLU®, doing business as David Kinder Insurance and Financial Wealth Solutions; All Rights Reserved
New client engagements are established by referral or through structured educational programs.
Unsolicited inquiries are not accepted.


Privacy Policy | Accessibility Policy

bottom of page