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It depends on your state.
First, any business name that includes your first and last name does not require registration. David Kinder Insurance and Financial Solutions does not require any registration at all. I am simply doing business in my own name.
Second, you need to be sure to meet any state name requirements for each state you plan to do business in.
I'll share with you California's page regarding fictitious name statements for reference. While I doubt any other state would be more stringent (other than NY), it's a good starting point.
Business Entity Application Procedures - Name Approval Criteria