David H. Kinder, RFC®, ChFC, CLU
Stock Market Risk vs Index Performance Risk: Is Zero YOUR Hero?
Last month, I had the privilege to be invited and flown to the corporate office of a prominent insurance company to learn about their...
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David H. Kinder, RFC®, ChFC, CLU
- Dec 4, 2019
- 2 min
F.A.Q. #15: When Does a 5% Interest Loan Beat A 0% Interest Loan?
It's conventional wisdom that paying a 0% interest loan is the ultimate way to go - particularly for large purchases like automobiles....
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David H. Kinder, RFC®, ChFC, CLU
- Dec 3, 2019
- 6 min
Myth #11: Does Mutual Really Matter? Yes and No
A common refrain heard throughout the mutual company sales forces is "mutual matters". This obviously serves these companies' agenda to...
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David H. Kinder, RFC®, ChFC, CLU
- Nov 27, 2019
- 10 min
Rebuttal to "Stay Away from these Scam Artists"
I wasn't really planning on doing this. I was going to try to "let it go" (everybody sing along!)... but I couldn't. The writing...
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David H. Kinder, RFC®, ChFC, CLU
- Nov 26, 2019
- 4 min
F.A.Q. #10 Why this blog?
One of the advantages of being an independent agent, is the freedom of expression and the creation of my own marketing materials. ...
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David H. Kinder, RFC®, ChFC, CLU
- Nov 5, 2019
- 6 min
F.A.Q. #1 - Are You A Fiduciary?
I have an Android phone. I check my Google Chrome application at least daily. Because of my profession, I get a fair amount of articles...
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David H. Kinder, RFC®, ChFC, CLU
- Aug 15, 2019
- 5 min
F.A.Q. #3 - Don't You Need Securities In Your Financial Planning and Retirement Portfolio Today?
Today's blog post is an adaptation and direct citation of an article by Hank Brock, CPA, MBA, ChFC, CLU, RFC that was originally...
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David H. Kinder, RFC®, ChFC, CLU
- Aug 2, 2019
- 4 min
F.A.Q. #14 - "Roth IRA on Steroids??"
This is a strange topic at times, depending on who you're talking to. Life insurance came out FIRST, way before Senator William Roth...
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David H. Kinder, RFC®, ChFC, CLU
- Jun 28, 2019
- 1 min
F.A.Q. #2 - How Exactly Does Indexed Life Insurance Work For Retirement Income?
I recently came across this video presentation done by my LinkedIn contact Louis LaBash. Louis is selling a software service to other...
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David H. Kinder, RFC®, ChFC, CLU
- Apr 14, 2019
- 2 min
F.A.Q. #5 - Could Pride Prevent You From Doing The Proper Planning You And Your Family Need?
Today's blog post is a bit of a strange one. Over 10 years ago, I didn't know how to initiate contact with people on a professional...
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David H. Kinder, RFC®, ChFC, CLU
- Oct 15, 2018
- 9 min
F.A.Q. #4 - How does Indexed Interest work with Fixed Indexed Insurance Contracts
It is often said in sales “don’t build people a watch when they just want you to tell them the time.” However, with how often these...
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David H. Kinder, RFC®, ChFC, CLU
- Oct 8, 2018
- 5 min
F.A.Q. #13 - Using Life Insurance as a Permission Slip to Spend Down Other Assets
Life insurance policies have long been heralded as “the great financial Swiss Army knife” in financial planning (by those who know how to...
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David H. Kinder, RFC®, ChFC, CLU
- Sep 24, 2018
- 10 min
F.A.Q. #12 - Buy Term and Invest the Difference ALWAYS wins... (sort of)
Well, this headline and pic should get plenty of attention on my LinkedIn and Facebook channels! I decided to do a series of posts on...
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David H. Kinder, RFC®, ChFC, CLU
- Sep 21, 2018
- 8 min
F.A.Q. #6 - Infinite Banking Explained
This concept has many different names - all a variation on a theme: "Infinite Banking", "Bank on Yourself", "Banker's Secret to Family...
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David H. Kinder, RFC®, ChFC, CLU
- Sep 18, 2018
- 3 min
F.A.Q. #7 - What exactly is Goals-Based financial planning?
In an earlier blog post, I talked about "needs-based" financial planning and that it was a product of financial companies putting their...
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David H. Kinder, RFC®, ChFC, CLU
- Aug 6, 2018
- 7 min
F.A.Q. #8 - What exactly IS needs based planning?
Today's blog post is about my own views of how "needs-based" financial planning came about... because I believe it is an over-used and...
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David H. Kinder, RFC®, ChFC, CLU
- Jul 17, 2018
- 3 min
F.A.Q. #11 - What Is the Capital Equivalent Value of Life Insurance in Retirement?
Well, that's a long title! But the question remains: What is the equivalent value of life insurance to most traditional retirement...
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David H. Kinder, RFC®, ChFC, CLU
- Mar 16, 2018
- 6 min
F.A.Q. #9 - Is a 'Fiduciary Securities Advisor' in YOUR Best Interests?
The term 'fiduciary' has become FAR more marketing 'hype' than it really deserves to be, and that 'hype' is serving only ONE kind of...
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