David Kinder

  • 2024 0503 - The Financial Advocacy / David Kinder - Podcast EP 1 Consumer Advisory Bulletin on Indexed Universal Life Insurance - [VIDEO-YouTube-01:27:48]
  • 2024 0621 - The Financial Advocacy Podcast / David Kinder  - EP 8: A CPA Asked These 6 Questions About Life Insurance
  • 2024 0628 - The Financial Advocacy Podcast - The Professionals' Forum 2024: David Kinder's Platform Speech: 5 Key Tips for How I Did It! - [VIDEO-YouTube-27:05]
    • 9 - Thomas Love - Tax-Exempt Retirement Cash Flow
    • 9 - Kelly Smith
    • 10 - Dr. Sanjay Tolani
  • 2024 0705 - The Financial Advocacy Podcast / David Kinder - EP 9: Retirement vs Education: “You can’t borrow for retirement” Myth or Fact? - [VIDEO-YouTube-48:38]

  • 2024 05-? -

  • The NAIFA DOL ruling webinar just ended.

    A few common questions:
    - Do I need a Series 65 license? The answer is no. You do not need a series 65 license UNLESS you want to engage the public as an investment adviser: charging fees for securities advice, giving advice on specific securities, and collecting AUM fees.

    I have heard of insurance agents who got their series 65 license in order to promote themselves as a 'fiduciary adviser' and then did NOT conduct themselves accordingly. A good case to study would be the Tracy W. Mitchell case out of Missouri a few years ago. (That guy was incompetent as an insurance agent, but his series 65 made it a far worse issue for him.)

    - Will this affect life insurance sales? I believe that if the source of premium is either directly from a qualified plan OR IRA funds... even through a withdrawal to purchase life insurance... the ENTIRE TRANSACTION would be subject to DOL ruling and oversight.

    Why? Because the withdrawal would be recommended by the advisor for purchasing the life insurance contract, which would bring the entire recommendation under DOL fiduciary conduct review. I can't see how the life insurance transaction would be exempt when the funds came from qualified retirement plans.

    Just my thoughts.

  • 2015 0304 - insurance-forums.com/community/threads/primerica-guarantees.73077/page-3
    • DHK - I don't know of a single agent who is widely known in the public's eye about the good that they do with life insurance and annuities.
      • Sure, there are plenty of internal industry heroes - John Savage, Ben Feldman, Burt Meisel, Van Mueller, Guy Baker, Mehdi Fakharazadeh, and more... but no one who seems big in the public eye and mainstream media.
      • The closest that we have, are the annual celebrity spokesmen for Life Happens... and Ed Slott who mentions the tax advantages of life insurance and annuities in his annual "Retirement Roadmap" specials on PBS.
      • I think Tom Hegna, CLU, ChFC, CASL is starting to become that agent though. Don't Worry, Retire Happy with Tom Hegna | Don't Worry, Retire Happy with Tom Hegna | Shows | KCET