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David H. Kinder, CLU, ChFC, RFC® | Insurance and Investments
Dynamic Advanced Wealth Insurance and Financial Solutions
Maximizing Your Social Security Benefits and Minimizing Taxes In Retirement

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Phone & Text: (951) 313-8208

Email: david@DynamicAdvancedWealth.com

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    F.A.Q. #15: When Does a 5% Interest Loan Beat A 0% Interest Loan?
    David H. Kinder, CLU, ChFC, RFC®
    • Dec 4, 2019

    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....
    790
    Myth #11: Does Mutual Really Matter?  Yes and No
    David H. Kinder, CLU, ChFC, RFC®
    • Dec 3, 2019

    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...
    2740
    Rebuttal to "Stay Away from these Scam Artists"
    David H. Kinder, CLU, ChFC, RFC®
    • Nov 27, 2019

    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...
    2400
    F.A.Q. #10 Why this blog?
    David H. Kinder, CLU, ChFC, RFC®
    • Nov 26, 2019

    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. ...
    240
    F.A.Q. #1 - Are You A Fiduciary?
    David H. Kinder, CLU, ChFC, RFC®
    • Nov 5, 2019

    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...
    990
    F.A.Q. #3 - Don't You Need Securities In Your Financial Planning and Retirement Portfolio Today?
    David H. Kinder, CLU, ChFC, RFC®
    • Aug 15, 2019

    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...
    630
    F.A.Q. #14 - "Roth IRA on Steroids??"
    David H. Kinder, CLU, ChFC, RFC®
    • Aug 2, 2019

    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...
    4760
    F.A.Q. #2 - How Exactly Does Indexed Life Insurance Work For Retirement Income?
    David H. Kinder, CLU, ChFC, RFC®
    • Jun 28, 2019

    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...
    1010
    F.A.Q. #5 - Could Pride Prevent You From Doing The Proper Planning You And Your Family Need?
    David H. Kinder, CLU, ChFC, RFC®
    • Apr 14, 2019

    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...
    250
    F.A.Q. #4 - How does Indexed Interest work with Fixed Indexed Insurance Contracts
    David H. Kinder, CLU, ChFC, RFC®
    • Oct 15, 2018

    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...
    2670
    F.A.Q. #13 - Using Life Insurance as a Permission Slip to Spend Down Other Assets
    David H. Kinder, CLU, ChFC, RFC®
    • Oct 8, 2018

    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...
    1090
    F.A.Q. #12 - Buy Term and Invest the Difference ALWAYS wins... (sort of)
    David H. Kinder, CLU, ChFC, RFC®
    • Sep 24, 2018

    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...
    4260
    F.A.Q. #6 - Infinite Banking Explained
    David H. Kinder, CLU, ChFC, RFC®
    • Sep 21, 2018

    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...
    6150
    F.A.Q. #7 - What exactly is Goals-Based financial planning?
    David H. Kinder, CLU, ChFC, RFC®
    • Sep 18, 2018

    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...
    360
    F.A.Q. #8 - What exactly IS needs based planning?
    David H. Kinder, CLU, ChFC, RFC®
    • Aug 6, 2018

    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...
    450
    F.A.Q. #11 - What Is the Capital Equivalent Value of Life Insurance in Retirement?
    David H. Kinder, CLU, ChFC, RFC®
    • Jul 17, 2018

    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...
    2170
    F.A.Q. #9 - Is a 'Fiduciary Securities Advisor' in YOUR Best Interests?
    David H. Kinder, CLU, ChFC, RFC®
    • Mar 16, 2018

    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...
    430

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    David H. Kinder, CLU, ChFC, RFC® is a life, accident & health insurance agent (CA Insurance License #0E54187) and is licensed to do business in the following states:  CA, CT, & NC.   Dynamic Advanced Wealth Insurance and Financial Solutions is the marketing name for David H. Kinder, CLU, ChFC, RFC® 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.  Planning 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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    ​*Not Legal or Tax 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 or legal advice, nor does it represent any specific company or specific products.

    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 RFC® designation is conferred and issued by the International Association of Registered Financial Consultants (IARFC) and is used by permission.  The marks of CLU and ChFC are 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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