• David H. Kinder, ChFC

Do you have REAL financial reviews with your advisor... or annual defense reviews?

This isn't such an issue lately. The United States has had a fantastic and longest running BULL market since 2009. However, not everything is rosy all the time, right? What goes up... must come down (sometime). Most annual reviews with financial advisors are often "Economic Weather Reports" (and probably just as accurate? Well, that's not fair - weather reports are quite accurate these days).

But that image above has a lot of truth in it: "The science of explaining tomorrow why the predictions you made yesterday didn't come true today."

I am OUT of the "economic tea leaves" business. That is just not in my 'lane' and I don't have any proclivity to learn it. Reading the Wall Street Journal gives me anxiety.

Here's the extent of my economic prediction recommendations. I call it the Big Mistake vs the Little Mistake. Which would you prefer?

  • Big Mistake: I guess wrong and you stay in the market, and it tanks 30-50-70%.

  • Little Mistake: I guess wrong, put you in a principal protected account and you only gain 3%.

See, I don't even want to PLAY that game anymore!

And with today's insurance wealth contracts, I don't have to! These contracts have liquidity, use, control, and protection from the bad news. In fact, because of these contracts, you can actually TAKE ADVANTAGE of the "bad news"!! How? Because YOU will have access to capital when most people don't!

What could you do with access to capital when most people NEED money?

  • Could you buy foreclosed properties - residential OR commercial?

  • Could you invest in the stock market when it's very low and ride it up? (That's timing the economy, not necessarily trying to 'time the market'.)

  • Could you buy inventory from a supplier at a discount because they are going out of business?

  • Could you buy other collectibles for future resale?

  • Could you start a business?

But if ALL your money is "held hostage" by Wall Street to "wait for it to rebound"... you can't do ANY of those things, because you'll sell out your shares at depressed values.

That's why having control of your money through 'non-correlated' assets is SO KEY! It protects you and give you options when most people don't have those options.

So, what kind of annual financial reviews do you have when things aren't going well? Is it "Well, we've got to ride this out?" Or is it "You have access to these values, there are plenty of opportunities you can take advantage of out there!"


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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.

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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.  

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