After 43 years as an entrepreneur in financial services, I now think of myself as officially retired. But that doesn’t mean I’m divorced from what kept me busy those 43 years and provided a living wage. It’s just that my focus today is very different from what it was when I was trolling for new …
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!
Can We, and/or Should We, Fix Social Security?
Our existing Social Security system lives comfortably in the capitalist economic model we have here in the US. We can agree it has flaws which need to be addressed from time to time. The current flaw is that without some changes, it won’t be able to provide the financial safety net for older Americans that …
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Life Expectancy and Retirement
I’ve blogged before about the cost of healthcare in this country and how it compares with other industrialized nations across the planet. Of the top 25 such countries, we rank in the bottom 20% in terms of healthcare outcomes (longevity) and what we pay to achieve that dubious distinction. And our longevity numbers have dropped …
When the Next Recession Hits, 4 Good Things Could Happen
My Comments: Are you ready for a little positive thinking? Frankly, I’m long since sick and tired of hearing only negative stuff about life in the US today. Not that there isn’t a lot of negative stuff, just that I’m tired of hearing about it. Some of that is due to the fact that we’ve …
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Spending Money in Retirement
Some of you will have heard me talk about the three phases of retirement. What I call the GO-GO Years, the SLO-GO Years, and finally, if you make it that far, the No-GO Years. There are going to be valid reasons to want to spend more money right after you retire. At the same time, …
10 Interesting Statistics About Social Security
My comments: The American Social Security system is designed, among other things, to keep older folks from having to sleep in the streets. As a child in 1950, I spent two years in India, courtesy of my father’s company who sent him there to train locals in the use of American made machinery provided to …
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Will Capitalism Allow This Idea?
I’ve been having ‘discussions’ lately with people I’ve known for years that now have issues with my so called ‘leftist’ ideas. They’ve gone so far as to suggest people with values like mine should just be ‘locked up.’ And here I thought they felt safe in a constitutional democracy. One person seemed to gleefully correct …
Should We Support Medicare for All?
Those of us on the left end of the political spectrum are hearing some of our prospective 2020 candidates talk about ‘Medicare for All”. I think that’s a mistake. Not because I think ‘universal health care’ is a bad idea, but calling it ‘Medicare for All’ carries with it the implication of a massive government …
Why Own A Life Insurance Policy?
When I started my professional life in financial services, the world was a very different place. My first license gave me permission to talk about and get paid for selling life insurance policies. Here I am today, in my later years, almost fully retired, and only yesterday I received a call from an old friend, …
3 Things About the Next Recession/Market Crash
One is that recessions and market crashes, while there is a positive correlation, do not always happen at the same time or for the same reason. This means that one does not necessarily result in the other. Two is that over the past five decades, we’ve had 7 recessions here in the US. In each …
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Helping Define Your Financial Future 