A recent study suggests over 50% of adults age 50 or older underestimate their number. Obviously, if I ask you when you’ll die, you clearly have no answer to give me. By the same token, if you ask the same question of yourself, you might hazard a guess. Chances are your answer will be wrong …
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!
The Campaign to Reelect Donald Trump
My Comments: Regardless of whether you think of yourself as being on the left or on the right, I think we should all read this. It’s intended for anyone with concerns about politics in America today. Yes, it’s a long read, but it presents a critical element that contributes to our state of mind about …
The American Dream – What Does That Mean?
My Comments: I began my life in the America in 1950. I was nine years old. My parents life at the time was very different from that lived by their parents. Not better or worse, but very different. As I grew older, it was assumed I’d go to college, get a degree and make my …
Retirement: The Go-Go, Slo-Go, and No-Go Years
My efforts today are spent teaching others about the dynamics of retirement. I do this with an online effort, the goal of which is get them ready for retirement and enjoy the rest of their lives. With luck, they’ll experience all three. Chances are, if your health is good, you’ll start with the Go-Go Years. …
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10 Questions A Couple Should Ask BEFORE Retirement
My Comments: These ten questions deserve answers. However, they assume an existing readiness to retire that may not exist. In my world, there are 8 critical questions that precede these such that a couple, or anyone for that matter, must first ask of themselves, and answer. With millions of Americans arriving at their retirement date …
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Does Social Security Need A Fix?
I started writing blogs with ideas to fix Social Security back in 2011. The last substantive fix happened in 1983 and it’s overdue for another. With about one in five seniors living in poverty, my assumption is that Social Security retirement benefits comprise a significant percentage of what seniors need to stay alive. Remarks from …
Is Socialism A Viable Path To Follow?
For most of my adult life, 7 decades and counting, Communism was the looming existential threat we lived with. It was embodied by the Soviet Union that we in the west saw as our greatest enemy. And then came Cuba and China and we collectively freaked out. Until recently, I bestowed Capitalism with a crown …
These Are The Cities Most People Will Move To From Sea-Level Rise
I’ve written before about Climate Change and Retirement. Given that I live in Florida with over 8000 miles of shoreline, the potential for serious migration over the next decades is huge. One need only look at the following map to understand what we’re facing. If you remain alive, where will you be living? Many of …
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How Will The SECURE ACT Impact Your Estate Plan?
My Comments: This Act, signed by President Trump this past December, included several important additions and modifications to existing retirement planning code sections. For example, it changed the age when you MUST start taking money out of your income tax deferred retirement accounts. It gave retirement plan providers the opportunity to include annuities in their …
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Is there really a “Retirement Crisis”?
In a recent post, I referenced a study published in 2019 by the Aspen Institute. The major take away for me is this: 1 in 5 senior Americans are living in poverty. Some of you are going to react negatively to what I’ve written here and suggest I’m just another liberal hack. Well, maybe I …
Helping Define Your Financial Future 