• David H. Kinder, ChFC

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 full of prestige, opportunity, control, travel, and especially SUCCESS!

It's a success MILESTONE in our society!

And depending on WHERE your money is... it's a complete farce!

If you have $1 million or more in your 401(k) or IRA... you don't have a million dollars, no matter WHAT your statement says.

The problem with saving money in IRS regulated plans... is you don't know how much of it belongs to YOU! We could calculate it based on if you withdrew it ALL out today... but because of future ongoing changes in the tax code, it's IMPOSSIBLE to determine your total tax liability. Also, it all depends on how much the Government feels they need from you and your success.

This is why if you're an IRA millionaire... you're a false millionaire - only because you cannot calculate how much of your plan belongs to you and your family! Don't get faked out by your statement!

What is the alternative?

Well, I cannot really think of a better word than 'millionaire'. Or maybe I can?


If I could help you have a financial strategy that:

  • You could spend your wealth without the fear of running out?

  • Maximize your returns without the risk of loss?

  • Pass on your wealth to the people and causes you care about, instead of nursing homes, financial institutions, Wall Street, or the Federal Government?

  • Design your plan to work in ALL circumstances - regardless of inflation, stock market performance, interest rates and tax changes rather than your plan ONLY working within specific circumstances?

It might not have as much money on the statement... but you'll have FAR greater control and IMMUNITY from all these external changes that can take a great hit on your financial viability in traditional planning.

Plus, learning how to leverage 'contract wealth' rather than 'statement wealth' has MANY tax advantages in the tax code!


3578 Atchison Circle
Riverside, CA  92503-5166 

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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.

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