With the public hearings now ongoing in DC, here’s a quick thought that might help better understand the questions asked and the answers that follow. For more than 20 years, I’ve served as a board member of a public foundation, sometimes known as a not-for-profit charity. For all board members, it’s imperative we understand the …
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!
Millennials Will Get Sick and Die Faster Than the Previous Generation
My Comments: Much to my dismay, I was born five years before the advent of what today are known as the Baby Boomers. After that came their children, referred to as Generation X, followed by Millennials or sometimes Gen Y, and lastly, from 1996 to the present, Gen Z, iGen, or Centennials. Now we have …
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Next recession: Crash warning signs include ‘mother of all bubbles’
My Comments: If you’ve followed me at all, you know I’ve been talking for the last few years that the laws of economics have not changed. History tells us there are good times and there are bad times. For the past few years, we’ve seen good times. Sooner or later, we’re again going to see …
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National debt surpasses record $23 trillion
On Friday, October 25, 2019, the U.S. national debt surpassed $23 trillion, per the Treasury Department and the Peterson Foundation. Why it matters: The national debt met the $22 trillion mark just nine months ago and has soared $3 trillion since Trump took office, when it rested at $19.95 trillion. The White House projected in …
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Climate Change and Retirement, Part 2
By Tony Kendzior \ November 7, 2019 \ Gainesville, FL Part 1 appeared as a blog post on May 20, 2019. I wrote about how Florida, with an estimated 8,436 miles of coastline, is facing an existential threat from climate change. I was led to believe by experts that by 2050, a short 30 years …
67% of Older Americans Wish They Understood Medicare Better
My Comments: As one of the Older Americans referenced in the title above, I can attest to being in the 33% with a good understanding of Medicare. I’ve had to pay attention since I still pay a lot of money every month to make sure my wife and I can access health care when we …
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Americans Are Clueless About Social Security’s Filing Rules, Data Shows
My Comments: This article is only meaningful to those of you who haven’t yet filed for Social Security benefits or you filed but it was less than 12 months ago. Despite the fact that filing early more or less means you get a smaller check for a longer period of time, there are good reasons …
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Ways To Accelerate Your Savings For Retirement
It’s all well and good for people like to me tell you to save more money. That’s great but how do you make it happen? Many people I talk with are already stretched, and when I suggest they put more money aside every paycheck, I get the evil eye. So let’s step back a minute. …
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Opinion: President Trump’s missed opportunity with Ukraine
My Comments: While I didn’t vote for Donald Trump, once he became President, I wanted him to succeed. If it weren’t so disturbing, it’s become almost comical to watch someone act as though he wanted to fail. I’ve long been hesitant to write political posts. Since I earned my spending money as a financial professional …
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How to Avoid Investment Fees
My Comments: The year 1698 saw the opening of the London Stock Exchange at a coffeehouse. Here in the US, it began under a buttonwood tree in New York as the New York Stock Exchange in 1792. Every day since then, stockbrokers have charged fees for their services on behalf of non-stockbrokers. In the roughly …
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