Loading...
Specialties
David Kinder is a veteran of the insurance and financial services industry.
He has served the needs of American residents and business owners, currently as a Financial Consultant with unconventional strategies to help them accomplish their retirement income and wealth accumulation goals. He studied advanced financial planning through his various studies with The American College of Financial Services where he took private university level courses for over two years and passed over a dozen exams proving his mastery and expertise in financial planning subjects such as investments, retirement planning, income taxation, insurance matters, estate planning, and planning for business owners. Professional Experience: David Kinder Financial Consulting and Analysis Services: Owner (2024 - present) David Kinder Insurance and Financial Wealth Solutions: Owner (2007 - present) Mutual of Omaha: Insurance Agent (2012) Combined Insurance Company of America: Insurance Agent (2011 - 2012) MassMutual Financial Group: Financial Advisor and Insurance Agent (2007 - 2009) Wescom Financial Services, LLC: Financial Advisor and Trust Liaison Officer (2005 - 2007) American Express Financial Advisors: Financial Advisor Trainee (2004) Wells Fargo Bank, N.A.: Personal Banker and Service Manager (2001 - 2004) Education • Recognition • Licenses: Registered Financial Consultant® (RFC®) a professional designation awarded by the International Association of Registered Financial Consultants® (IARFC®) to those financial consultants who meet the associations high standards of education, experience, and ethics. Ethics Approved Status recognition through the International Association of Registered Financial Consultants (IARFC). Ethics Approved Status means adherence to the IARFC Code of Ethics with a clear record for the past five years. Members are biennially verified through FINRA, state licensing records, internet searches, and are required to pass the Ethics Exam. Chartered Financial Consultant® (ChFC®) advanced financial planning designation from The American College of Financial Services focusing in the areas of financial planning process, insurance, income taxation, retirement planning, investments, and estate planning. Chartered Life Underwriter® (CLU®) is the premier insurance designation from The American College of Financial Services adds additional education and expertise in the areas of individual life insurance, life insurance law, planning for business owners & professionals. Recipient of the IARFC® 2023 1st Place Member Award: Member Award for Dedication to Association Advancement. Presented annually in appreciation to top IARFC members who have brought the most newly qualified professional consultants that join the ranks of the Association. Recipient of The United States Flag Honor: "At the request of the Honorable Dianne Feinstein, United States Senator, this flag was flown for David H. Kinder, in recognition for the practice and promotion of prudent, qualified, and fiduciary client service and advice in financial services and, commemorating [his] 20 year career anniversary and Advocation and Promotion of Financial Industry Professional Standards." Recipient of The Prudent Man Award: is awarded to the few outstanding financial professionals who have 10 or more years of experience as a true financial planner, and have been recognized by their peers for the practice (or promotion) of Prudent, Qualified, and Responsible Client Service. California Life & Annuity, Accident & Health Insurance Producer Resident License (and various non-resident state licenses) (California Insurance License #0E54187) Professional Association Memberships: International Association of Registered Financial Consultants® (IARFC®) is a non-profit professional association formed to foster public confidence in the financial services profession, help financial consultants exchange planning techniques, and recognize practitioners who are truly committed to ethical standards and continuous professional education. We simply want the public to have the best financial advice available. National Association of Insurance and Financial Advisors® (NAIFA®) Founded in 1890, the National Association of Insurance and Financial Advisors is the preeminent association for financial service professionals in the United States of America. NAIFA members, in every Congressional district and every state house, subscribe to a strong Code of Ethics and represent a full spectrum of practice specialties to promote financial security for all Americans. Complimented by its professional development and consumer divisions, the Society of Financial Service Professionals and Life Happens, the association delivers value through advocacy, service, and education. Industry Influencer & Publications: Affectionately known in the insurance and financial services community as "DHK" from Insurance-Forums.net over 10 years active participation with over 10,000 posts! Admin one of the largest financial services discussion groups of its kind on Facebook: Professional Life Agent Insurance Discussion group (only for licensed professionals). LinkedIn recognition for both Top Sales Voice and Top Consulting Voice! Host of the 2024 Virtual Summit for the IARFC® association IARFC The Register (Summer, 2024): U.S. Supreme Court Connelly Decision Creates Massive Planning Consequences and Opportunities for Business Owner Succession and Estate Planning 2020 and 2024 NAIFA Young Advisor Team Advisor Ambassador presenter Host of the 2023 Virtual Summit for the IARFC® association! Platform speaker at The Professionals' Forum 2024! Extensively quoted in Tom Hegna's book: "Who Wants to Be a Millionaire?" Profiled in The Register publication of the International Association of Registered Financial Consultants® (IARFC®) (Spring, 2023) InvestmentNews: SEC Draws Ire with Indexed Annuity Misstep (August, 2019) Insurance Selling Magazine: 25 Reasons to Love Life Insurance (September, 2018) Insurance Selling Magazine Inaugural Issue: The InsurTech Revolution (April, 2018) Ethics.net: Misrepresentation and Ignorance: A Dangerous Blend for Ethics (August, 2015)
♥
Always free for clients.
RFC®, ChFC®, CLU®
Chartered Designations
What do these credentials mean?
See FINRA's official explanation →
Regulatory Disclosure: Not Legal, Tax, or Securities Investment 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, legal, or investment advice, nor does it represent any specific company or specific products. David H. Kinder, RFC®, ChFC®, CLU® is not registered nor licensed as a Registered Investment Advisory Firm (RIA), Investment Advisor Representative (IAR), nor as a Registered Representative (RR) with any broker/dealer firm, and is therefore not registered with, or supervised by, the U.S. Securities and Exchange Commission (SEC), Financial Industry Regulatory Authority (FINRA), or any state securities regulatory office. As such, David H. Kinder, RFC®, ChFC®, CLU® does not provide investment advice, specifically: buying, selling, holding, risk analysis, or any other analysis of securities, nor the asset allocation of securities portfolios. For specific investment advice on your securities investment portfolio, please contact a licensed and registered investment professional in your state. David H. Kinder, RFC®, ChFC®, CLU® does offer general investment information for educational purposes and may propose alternative financial strategies that do not contain or include securities. He does also discuss the pros and cons of various kinds of accounts (such as IRS regulated retirement plans) and is considered incidental advice surrounding various strategies and solutions, but does not necessarily constitute advice on the underlying securities. 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. David H. Kinder, RFC®, ChFC®, CLU® is a life, accident & health insurance agent in California (CA Insurance License #0E54187) and can easily be licensed to do business in other states. David Kinder Insurance and Financial Wealth Solutions is the marketing name for David H. Kinder, RFC®, ChFC®, CLU® and is not affiliated with any other company. David Kinder Financial Consulting and Analysis Services offers separate financial analysis services that may be appropriate, offered by engagement agreement, and on a fee-for-service basis that does not offset commissions earned through product placement. Any recommendations through these services can be implemented with any licensed professional the client chooses. 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. 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. © David Kinder Insurance and Financial Wealth Solutions; All Rights Reserved