My Comments: The baby boom generation is going to be hit hard by this phenomena, and most of us know it. We just aren’t sure how to deal with it. This is not a solution but a needed reminder that pretending it will go away is not likely. While I disagree with their conclusion about …
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!
10 Things To Know About Whole Life Insurance
My Comments: I’ve been licensed to sell life insurance since early in 1976. During this almost 40 year span, arguments have come and gone about the relative merits of life insurance, and what kind you should buy, if you should buy it at all. Many of us in this business are profoundly distrusted by those …
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For Safety and Yield, Where’s the Best Place to Park Cash?
My Comments: There’s an old adage in this business that “Cash is King”. You be the judge going forward. By Adam Zoll | 09-16-14 Question: I'd like to invest a portion of my cash holdings in something safe that will earn at least a little interest. Between a money market account and a short-term bond …
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Exactly Where We Are In This Cycle
My Comments: This is a major question for investors. Whether you are accumulating money for the future or are already retired and focused on making sure you have enough money to last, knowing what is likely to happen in the near future leads to peace of mind and financial freedom. This is one opinion. Watch …
Hidden Bonus: Taking Early Social Security Payments
My Comments: I’ve said it before and I’m sure I’ll say it again: when to claim Social Security benefits is a complex question. On one hand, if you know you will live to life expectancy, it’s a fairly simple math question. But on the other hand, if you don’t know when you will die, or …
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America’s Perpetual War on Terror By Any Other Name
My Comments: This has nothing to do with financial planning. However, for me it has a lot to do with my perception of myself as a contributing member of society. I vote at every opportunity, which I think gives me the right to voice my opinions, which sometimes includes a lot of bitching and moaning. …
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When It Comes to Claiming Spousal Benefits, Timing Is Everything
My Comments: The questions surrounding Social Security are almost endless. It’s a complicated system and as more and more of us reach eligibility, it is clear that simply signing up as soon as you are eligible will cost you and your family lots of money and options over the years. Philip Moeller / Sept. 9, …
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Do Retirees Need Long-term Care Insurance?
My Comments: As a financial planner with thinning grey hair, my clients tend to be already retired or soon to be retired. A major worry we all face is the chance that we will slow down to the point where we need help to get from one day to the next. Sure, family members will …
4 Reasons Why Not To Go Long The S&P
My Comments: Some of my responsibility as an investment advisor is to provide warning if I think there are pending changes in market direction. But since I have no idea what I may eat for lunch today, telling folks about the next crash will happen is pure speculation. But... I compensate for this inability by …
Rural Hospitals Pressured to Close as Healthcare System Changes
My Comments: Most of us have long since put ObamaCare in the rear view mirror. We’ve acknowledged there are flaws and there will be unintended consequences, but for the most part, it’s the law of the land. Some of us have long since determined that it’s existence will be in our best interest over time. …
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