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Common refrain: "It's not for everyone."
This is a common refrain that is often said regarding financial advice and how various products and concepts may or may not apply to...
David H. Kinder, RFC®, ChFC®, CLU®
May 30, 20242 min read
35 views


Divorce is harder to plan for with infinitely more emotions
This article is probably more for me to help clarify this subject more than anyone else. I am on a committee to help expand on a...
David H. Kinder, RFC®, ChFC®, CLU®
May 7, 20245 min read
9 views


Some ranting on my part
It's unfortunate how little life insurance and annuities are understood, by the general public as well as agents & advisors. First, the...
David H. Kinder, RFC®, ChFC®, CLU®
Dec 10, 20232 min read
43 views


Dissecting Forbes article regarding Life Insurance Policy Loan Dangers
Let me first start by stating that it is not my intention to create rebuttal articles to everything written and found on the internet. ...
David H. Kinder, RFC®, ChFC®, CLU®
Nov 20, 20238 min read
52 views

FINRA studies confirms emotional bias when determing consumer investment risk tolerance!
This image comes from Tom Hegna's new book "Who wants to be a millionaire?" (where I am also quoted extensively). What does this graph...
David H. Kinder, RFC®, ChFC®, CLU®
Nov 12, 20233 min read
86 views


There are ONLY Two Kinds of Life Insurance Policies: Protection (death benefit) and Tax Code.
That's a rather bold statement that no one else seems to make, so I am going to clarify (as I always do). I'm not necessarily talking...
David H. Kinder, RFC®, ChFC®, CLU®
Oct 18, 20233 min read
120 views

Follow "Financial Entertainer" advice at your own risk (and peril)!
There are many unlicensed financial entertainers who love to spout out "financial advice" with no (or little) consequences to themseves...
David H. Kinder, RFC®, ChFC®, CLU®
Oct 8, 20234 min read
121 views

Buyer Beware... of False Promises Appearing Real Part 2 (Hybrid Indexes)
One of my professional advantages of being the admin of one of the largest professional Facebook groups if its kind, is that I get to get...
David H. Kinder, RFC®, ChFC®, CLU®
Oct 7, 20234 min read
37 views


ProPublica article on The Secret IRS Files: How the wealthiest avoid income tax
This article was originally published on June 8th, 2021. https://www.propublica.org/article/the-secret-irs-files-trove-of-never-before-s...
David H. Kinder, RFC®, ChFC®, CLU®
Sep 29, 20231 min read
50 views


Morningstar (Canada) discussing "Fiduciary" Securities Advisors non-disclosed conflicts of interest
I'm going to copy the entire article here. The main point will be highlighted below. In short, "Fiduciary securities advisors" (what I...
David H. Kinder, RFC®, ChFC®, CLU®
Sep 27, 20235 min read
38 views
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