Your Hosts
Three experienced financial advisors come together to discuss various topics in traditional financial advice that puts consumers in harm's way and what they can do about it! Join us as we delve into the complexities of personal finance and advocate for better, more consumer-friendly financial practices.
David H. Kinder,
RFC®, ChFC®, CLU®
DavidKinderFinancial.com
States Licensed: CA, NC, UT
Curt Gibbs,
LACP®
StructuredWealthStrategies.com
States Licensed: TN, AZ, FL, KY, MT, NC
As a veteran of the insurance and financial services industry, David Kinder, RFC®, ChFC®, CLU® has served the needs of American taxpayers, residents, retirees, and business owners as a financial consultant with unconventional strategies to help them accomplish their retirement income and wealth accumulation goals.
​
Kinder is recognized as a Registered Financial Consultant® (RFC®) by the International Association of Registered Financial Consultants (IARFC) and has also been recognized with the association’s “Ethics Approved Status” for having a clear record in working with his clients. He has earned his Chartered Financial Consultant® (ChFC®) and Chartered Life Underwriter® (CLU®) educational designations from The American College of Financial Services 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.
He has been quoted and featured in various financial news media including ThinkAdvisor, Ethics.net, Insurance Selling Magazine, InvestmentNews, and The IARFC publication The Register. He has also been recognized with The United States Flag Honor by U.S. Senator Dianne Feinstein in recognition for his practice and promotion of prudent and qualified client service and advice. He is also the recipient of The Prudent Man Award awarded by the Insurance Pro Shop in Dallas, GA.
Kinder also is the administrator of one of the largest Facebook groups of its kind with over 13,000 insurance and financial professionals all over the world.
As a veteran of the insurance and financial services industry for well over a decade, Michael Moffat, has made it his primary goal and objective to serve the needs of American taxpayers, residents, retirees, and business owners to help them accomplish their retirement income and wealth accumulation goals.
​
Through his experience in dealing with thousands of seniors and retirees, he has seen first-hand how these decisions have a major impact on their ability to retire successfully. Because of this experience, he believes that everyone deserves to understand the impact of the financial decisions they’ve already made and the impact it will have on them financially going forward into and throughout their retirement.
Moffat is an accomplished professional in the field of Medicare and has educated thousands of retirees to better understand and navigate the complex world of Medicare during his time as an advisor at AON Hewitt. During his time at AON Hewitt, Moffat also trained several hundred agents through the insurance licensing process, as well as advanced training in Medicare related subjects.
Moffat believes that following typical retirement and financial planning advice will cost most people AT LEAST 50% of their spendable cashflow during their wealth distribution phase in retirement.
Moffat also believes in the “Golden Rule” that we should do to others as we would have them do to us. His hope is that this short booklet you’ve been given, and are about to read, will help bring awareness to the problems with typical retirement and financial planning advice and what can be done to fix it.
As a veteran of the insurance and financial services industry for over twenty years, Curt Gibbs, LACP® has made it his primary goal and objective to serve the needs of American taxpayers and help them accomplish their retirement income and wealth accumulation goals.
​
​Through his first-hand experience during the financial crisis 2008, Gibbs, like many Americans, lost a considerable portion of his retirement following traditional financial planning methods, which the industry trained him to follow. Gibbs says it was at this point he began to study what the wealthiest Americans were doing to preserve and grow their wealth during such times. His discovery led him to completely change his practice to focus on educating taxpayers about the decisions they have already made. He now works with like-minded taxpayers who believe in only paying taxes once on their income and that everything else is a voluntary tax. Gibbs says the key is understanding how to use the tax code proactively.