Most people have natural questions about all the kinds of work I do. 
This is a listing of the strategic services & solutions, insurance contracts offered, along with things not offered.

Strategic Services Offered:

  • Retirement Income Tax Strategy Review*

  • Retirement Projection Gap & Risk Analysis*

  • College Funding & Financial Aid Maximization Strategies

  • Business Owner Alternative Tax-Deductible Financing Strategies

  • Debt Elimination Strategies

  • Housing Wealth and Mortgage Efficiency Strategies

  • Maximizing Your Social Security Retirement Benefits

  • Long Term Care Economic Impact Analysis

  • Efficient Wealth Transfer & Maximization

  • Estate Planning & Beneficiary Designation Check

  • IRS Regulated Retirement Plan Features, Benefits, and Terms Review, including 401(k)*, 403(b)*, IRA*, and Roth IRA*.

  • General Investment Information and Education*

Insurance Contract Solutions:

  • Term Life Insurance Contracts:

    • 1 – 30 Year Terms

  • Permanent "Property" Life Insurance Contracts:

    • Whole Life (Limited Pay & Lifetime Pay Variations)

    • Fixed Indexed Universal Life

    • Accelerated "Living" Benefit Riders​

  • Fixed Immediate Annuity Contracts

  • Fixed Deferred Annuity Contracts

  • Fixed Deferred Indexed Annuity Contracts

    • Optional Lifetime and Joint Lifetime Income Benefit Riders​

  • Single Premium Life Insurance​ Contracts

Services and Solutions NOT Offered:

  • Checking or Savings Accounts

  • Credit Cards or Lines of Credit

  • Auto Loans or Leases

  • Credit Life, Disability, or Unemployment Insurance for Debt Obligations

  • Home Equity Products

  • Mortgages – Purchase or Refinance

  • Reverse Mortgages

  • Bookkeeping or Accounting

  • Checkbook Reconciliation

  • Debt Settlement Services

  • Consumer Credit Counseling

  • Bankruptcy Counseling

  • Credit Repair Services

  • Auto & Homeowners Insurance

  • Umbrella Liability Insurance

  • Health Insurance

  • Medicare Supplement or Medicaid Advantage

  • Group Insurance (Health, Dental, Vision, etc.)

  • Charitable Planning

  • Business Protection Planning:

    • Business Overhead Expense, Disability Buy-Out, Loan Cancellation, Key Man Protection

  • Business Succession Planning such as Buy/Sell Agreements & Funding

  • Business Executive Benefits​

  • Company Installed Defined Benefit Retirement Plans (Pensions, Cash Balance, Money Purchase, etc.)

  • Company Installed Defined Contribution Retirement Plans (401k, 403b, SIMPLE IRA, etc.)

  • Individual Securities*:

    • Stocks, Bonds, Mutual Funds, ETFs, Municipals, Corporates, Options, etc.

  • Securities or Investment Advice*:

    • Buying, Selling, Holding, Analysis of individual securities

    • Asset Allocation of Securities Portfolios

  • Variable Life Insurance Contracts*

  • Variable Annuity Insurance Contracts*

  • Tax Advice*

  • Legal Advice*

  • Legal Documents* (such as wills, trusts, etc.)

Specimen or sample documents may be provided for you to take to your licensed legal professional for advice and preparation for your situation.

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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