• David H. Kinder, ChFC

How Can We Plan With Ever-Increasing Retirement Targets???

A couple months ago, there was this article:

Then today, there is this article:

Do you know who CAN'T save that much? Middle Income American families.

They live in a completely different world than those who CAN save this much. These families are more concerned about having money, paying their bills today, and having a decent retirement, not necessarily doing a ton of travel, etc. in their retirement years. In fact, they're seeing their retirement dreams SHRINK because of the overall economy, and demographics. (That's why we've seen the ideal retirement distribution go from as high as 6% to now as low as 2.8% according to Morningstar.)

But let me expose the secret behind these articles that the writers don't want you to know:

  • If you learn how to have a tax-efficient retirement... you don't need NEARLY as much money for the same lifestyle!!!

Do you know who DOESN'T want you to know that?

  • Banks: Because you won't use them for lending anymore.

  • Financial Institutions: Because you won't take their advice anymore.

  • Wall Street: Because you won't need to invest, risk YOUR capital, and pay their ongoing fees.

  • Congress: Because they keep spending, assuming that you'll pay far more in taxes in the future to pay for their spending today. (It's not REALLY the IRS. They're just the collection agency for the United States Government, but it's easier to hate the agency.)

What if:

  • I could help you spend $500,000 as though it was $1 million?

  • I could help you spend $1 million as though it was $3 million?

  • I could help you spend $3 million as though it was $5 million?


  • We move your capital from forever-taxable to never taxable using the tax code!

  • We do so in a way so that the resulting cash flow is actually off the radar of the IRS and you legally wouldn't have to even FILE a tax return according to the tax code!

  • And you can remove the risks of being invested in Wall Street... unless you choose to time the economy to make other investments! (Timing the economy is a completely different strategy than trying to "time the market".)

  • And you save on all those investment management fees being charged against your portfolio required to take on the risks in the first place!

It IS possible... but it's not for everyone.

But wouldn't a far more efficient strategy make more sense than trying to chase an ever-increasing "ideal retirement target"?


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.  

© David Kinder Insurance and Financial Solutions; All Rights Reserved

Privacy Policy