My Comments: Over the past few years, I’ve developed a very cynical attitude about capitalism and the free enterprise system that is our economy. I have no issue with the idea that people are legitimately incentivised by the opportunity to make money. But every society from the earliest days of civilization has imposed rules on …
Author: Tony Kendzior, CLU, ChFC - Financial Planner
I've lived happily, raised a family, and enjoyed a professional life in Gainesville for over 50 years. The next several years are full of promise. My goal is to find new clients, new friends and somehow share the wisdom I've accumulated over these many years. And when I have time, play a little golf and travel with my family. Cheers!
TAX ESSENTIALS
My Comments: I think I found this article published in Medical Economics some months ago. I apologize for my inability to provide accurate sourcing. That aside, we have ZERO obligation to pay more in taxes that absolutely necessary. Just remember, the IRS has a responsibility to collect taxes. It’s up to us to figure out …
A Breath of Fresh Air in Iowa
My Comments: This article appeared in the Los Angeles Times with these words as the title; In Iowa farm town, immigration debate yields surprising views. Given the political rhetoric and implications, I think this message is worth sharing. By Mark Z. Barabak - The Los Angeles Times – January 22, 2016 For the longest time, …
Postal Banking: An Idea Whose Time Has Come Again
My Comments: Last month, while standing in line to buy stamps, I overhead the person behind me complaining about the apparent inability of the Post Office to adapt and have enough people behind the counter. His vitriol made me think he was probably a Trump supporter. I kept my mouth shut but reminded myself the …
Continue reading Postal Banking: An Idea Whose Time Has Come Again
Starting to Invest in 2016? Here’s What You Need to Know
My Comments: After 43 years as a financial planner and investment company owner, I can say with certainty that the future outcome for your money is a combination of luck, discipline, timing and knowledge. I have no clue how we’ll do in 2016 but this is at least a start. By Jason Hall Published January …
Continue reading Starting to Invest in 2016? Here’s What You Need to Know
The ‘Retirement Crisis’ That Isn’t
My Comments: Social security payments to my wife and I are a critical element of the life we live. It can be argued that without those payments, we’d have scaled back in terms of what we spend for food and housing. The fact remains that given expectations of a monthly income from that source, our …
6 Charts Suggest a Stock Market Correction Soon
My Comments: Like me, you don’t have a clue what’s going to happen either. But these charts help give you an educated guess. John Mauldin, Mauldin Economics Dec. 20, 2015 The S&P 500 index is flat for the year, but that hasn’t been due to a lack of volatility. The index has traded within a …
Continue reading 6 Charts Suggest a Stock Market Correction Soon
Happy New Year, Investors
My Comments: I have real respect for this global stock and bond market analyst. My expectations are that volatility will continue, providing opportunities for those whose investments can take advantage of frequent swings back and forth. He suggests there is no reason for woe and gloom in 2016. We’ll have to wait and see. January …
Everything You Need to Know About Social Security
My Comments: The monthly income my wife and I get from SSA is a significant part of our financial freedom. We paid into the system for 50 plus years and while I like to think I’m just getting my money back, it’s really much more than that. As a financial planner and investment advisor for …
Continue reading Everything You Need to Know About Social Security
Inflation Will Be the Biggest Economic Story in 2016
My Comments: Most of us have learned to live with uncertainty about things over which we have no control. Inflation is one of those things. Learning how to manage what little I can control starts with understanding the forces at work as much as possible. People who live on a fixed income, or depend on …
Continue reading Inflation Will Be the Biggest Economic Story in 2016
Helping Define Your Financial Future 