For decades I’ve been reading about the 4% Rule and what it has to do with retirement. The 4% Rule says that when you stop working for money and start creating an income from your savings, it’s the upper limit of what you should withdraw every year from your savings and investments to make sure …
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!
Steps To Take To Gain Confidence About Your Financial Future
Studies today suggest only three in ten people surveyed said they were very confident about their ability to sustain their standard of living as long as they live. I say good for them. However, if you’re among the other seven in ten people surveyed who are less than very confident about their financial future, what …
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Forecasting the Next Recession: Will Rate Cuts Be Enough?
My Comments: Good times followed by bad times followed by good times is a pattern that more or less defines humanity on this planet for the last several thousand years. And probably before there was a recorded history. When talking about the economy, whether from a global perspective, or one focused exclusively on the United …
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I’m 78 and refuse to retire…
Imagine my surprise to see this headline a few days ago, just a few days before I turned 78. And it got better: the author says he’s been married to the same woman for 50 years, they are the proud parents of two children, and have two grandchildren. As for me, my wife and I …
Opinion: The U.S. can slash health-care costs 75% with 2 fundamental changes — and without ‘Medicare for All’
My Comments: We can argue ‘till the cows come home' about whether health care is a human right and how it should be paid for. Regardless of your feelings about it, what’s happening today is a necessary conversation. What we have now in America is a mess and changes are inevitable. If you follow any …
Using Required Minimum Distribution Rules to Benefit Charities
According to the AARP, about 10,000 Americans turn 70½ every day of the year. If you’re in that group, and have money parked somewhere that you’ve identified as a retirement account, get ready to start making withdrawals if you’ve not yet done so. We’re talking about Required Minimum Distributions or RMDs. Some of you reading …
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10 Social Security Rules Everyone Should Know
My Comments: Call me a Socialist if you must, but know that my Social Security check every month, along with my wife’s, is critical if we expect to sustain our standard of living. Where we are today is largely a function of how we arrived at this point over the past 50 years. When you …
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Major US Insurer Says It Will No Longer Underwrite and Invest in Coal
My Comments: This is not intended as a dig at Trump, except to the extent he made pre-election promises that were not economically viable. Bringing back the coal industry to help Make America Great Again was never a rational objective in 2016. As I read this article, my mind went back to my days in …
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No, undocumented immigrants don’t get Medicare for free
My Comments: The article that follows is part of my response to the current popular political phrase “Medicare For All”. Unfortunately, that’s an overly simplistic phrase that fails to properly reflect the underlying need for a total re-evaluation of our current health care delivery system here in the US. Yes, there’s a growing national discussion …
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What Is the Future of Health Care in the US?
My Comments: Regardless of our political beliefs, health care has an appeal for all of us. We can argue whether it’s a fundamental human right or not, dispute it’s effectiveness or what it ultimately costs, but for each of us, staying healthy has advantages. If you follow my blogs, you’ll know I’ve expressed myself as …
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Helping Define Your Financial Future 