David H. Kinder, RFC®, ChFC®, CLU® 
"The Tax-Exempt Wealth Guy!"
David Kinder Insurance and Financial Wealth Solutions
& David Kinder Financial Consulting and Analysis Services

This question sometimes comes up because of the common refrain from many independent insurance agents: "We represent over 30 companies...

Last month, I had the privilege to be invited and flown to the corporate office of a prominent insurance company to learn about their...

It's conventional wisdom that paying a 0% interest loan is the ultimate way to go - particularly for large purchases like automobiles....

A common refrain heard throughout the mutual company sales forces is "mutual matters". This obviously serves these companies' agenda to...

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...

One of the advantages of being an independent agent, is the freedom of expression and the creation of my own marketing materials. ...

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...

Today's blog post is an adaptation and direct citation of an article by Hank Brock, CPA, MBA, ChFC, CLU, RFC that was originally...

This is a strange topic at times, depending on who you're talking to. Life insurance came out FIRST, way before Senator William Roth...

I recently came across this video presentation done by my LinkedIn contact Louis LaBash. Louis is selling a software service to other...

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...

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...

Life insurance policies have long been heralded as “the great financial Swiss Army knife” in financial planning (by those who know how to...

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...

This concept has many different names - all a variation on a theme: "Infinite Banking", "Bank on Yourself", "Banker's Secret to Family...

In an earlier blog post, I talked about "needs-based" financial planning and that it was a product of financial companies putting their...

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...

Well, that's a long title! But the question remains: What is the equivalent value of life insurance to most traditional retirement...

The term 'fiduciary' has become FAR more marketing 'hype' than it really deserves to be, and that 'hype' is serving only ONE kind of...