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David, How Are You Compensated?
This article is very timely. I was at a professional conference a month ago and had the idea to write this article at that time. Since...
David H. Kinder, RFC®, ChFC®, CLU®
Mar 10, 20233 min read
42 views
Safe Withdrawal Rate and Level vs Increasing Income Considerations
I had a good meeting the other day and it sparked up a question that I hadn't written about before. First, the premise: The safe...
David H. Kinder, RFC®, ChFC®, CLU®
Mar 10, 20233 min read
31 views
What makes a good client?
I've been giving this some thought as I thought it would make an excellent blog article. Let me start with the obvious: Yes, it is up...
David H. Kinder, RFC®, ChFC®, CLU®
Mar 10, 20236 min read
29 views
"It's just not for me."
This is a different blog article because it's not necessarily specific to any one thing. It's about a comfort level about using various...
David H. Kinder, RFC®, ChFC®, CLU®
Jan 18, 20233 min read
48 views
What about Tax Equivalent Yield (TEY) investing?
Back in my designation studies, we certainly studied the tax code, but it was primarily focused on accumulating money, particularly in...
David H. Kinder, RFC®, ChFC®, CLU®
Dec 21, 20222 min read
58 views
Understanding Collateral Uses for Credit and Wealth:
What is collateral and how can I use it in my life? Learning about the various uses of collateral is not something that is discussed at...
David H. Kinder, RFC®, ChFC®, CLU®
Oct 28, 20225 min read
121 views
Understanding the Safe Withdrawal Rate
A few years ago, I was talking about the Safe Withdrawal Rate with another advisor. What he asserted was that you could still grow your...
David H. Kinder, RFC®, ChFC®, CLU®
Aug 8, 20222 min read
71 views
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...
David H. Kinder, RFC®, ChFC®, CLU®
Aug 5, 20225 min read
158 views
1035 Exchange Considerations
First, what is a 1035 exchange? A 1035 exchange is similar to a 1031 exchange in real estate. It preserves the tax basis and the gains...
David H. Kinder, RFC®, ChFC®, CLU®
Aug 2, 20223 min read
40 views
Myth #17: "Just Invest the same way that insurance companies do... without the costs!"
One common response or objection to life insurance and annuity insurance contracts is that, because they have various expenses or...
David H. Kinder, RFC®, ChFC®, CLU®
May 18, 20223 min read
130 views
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