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David H. Kinder, RFC®, ChFC®, CLU®
Jan 31, 20202 min read
If Financial Planning was Chess... Which Assets and Accounts Would Be Which Pieces?
Chess is a game of strategy - no question about that. I am a chess amateur. I usually play against the computer - so no one else can...
86 views
David H. Kinder, RFC®, ChFC®, CLU®
Jan 30, 20203 min read
Government Spending Trends
Did you know that every two years, the IRS publishes the Income and Outlays of Government Spending? It's tucked in the back of the...
50 views
David H. Kinder, RFC®, ChFC®, CLU®
Jan 29, 20202 min read
How Can We Plan With Ever-Increasing Retirement Targets???
A couple months ago, there was this article: How much you’ll need to invest each month to retire with $5 million at age 20, 30, 40 and...
57 views
David H. Kinder, RFC®, ChFC®, CLU®
Jan 24, 20204 min read
Do you think the Government knows what Einstein knew? Does your fiduciary securities advisor know?
Albert Einstein defined the 8th wonder of the world: Compound Interest. He further states: "He who understands it, earns it. He who...
86 views
David H. Kinder, RFC®, ChFC®, CLU®
Jan 24, 20203 min read
Opinion: How to choose a financial professional?
LOTS of opinion articles on this topic. The angle of most of these articles is as though you're on a "Tinder for Financial Advisors" and...
46 views
David H. Kinder, RFC®, ChFC®, CLU®
Jan 23, 20203 min read
Do you have Death Insurance? Or Life Insurance? What's the difference?
In my professional opinion, term insurance (and group insurance through employers)... is Death Insurance. It only has one benefit: a...
68 views
David H. Kinder, RFC®, ChFC®, CLU®
Jan 20, 20204 min read
"We want your money here. We just happen to call it 'planning'."
A few years ago, I was with a large credit union as a junior financial advisor. At the time, we did financial seminars in our credit...
165 views
David H. Kinder, RFC®, ChFC®, CLU®
Jan 18, 20204 min read
What do annuities contractually solve for?
This is an article by Stan "The Annuity Man" Haithcock, who has written several books on the topic of annuities. I will also add some...
46 views
David H. Kinder, RFC®, ChFC®, CLU®
Jan 14, 20203 min read
Life Insurance Myth 4b: "I can get cheaper whole life with 'vanishing premiums'."
This post is an extension of my previous post regarding UL/IUL ongoing expenses, and I primarily talked about the funding levels being...
130 views
David H. Kinder, RFC®, ChFC®, CLU®
Jan 13, 20201 min read
Fiduciary Securities Advisors are often very closed minded
The following screen-shots are taken from a LinkedIn thread discussion just held today. Names and faces have been blocked. Okay, so you...
140 views
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