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!

Listen to the IMF’s new warning, economist says, and cut your exposure to US stocks

On By Tony Kendzior, CLU, ChFC - Financial PlannerIn Economy & Markets

My Comments: The International Monetary Fund (IMF) is an international organization headquartered in Washington, D.C., consisting of "189 countries working to foster global monetary cooperation, secure financial stability, facilitate international trade, promote high employment and sustainable economic growth, and reduce poverty around the world." They recognize that market crashes happen from time to time, and …

Continue reading Listen to the IMF’s new warning, economist says, and cut your exposure to US stocks

4 Signs You’re Thinking About Social Security Benefits the Wrong Way

On By Tony Kendzior, CLU, ChFC - Financial PlannerIn Social Security

My Comments: For millions of us, Social Security has become a critical source of income if we expect to continue our current standard of living into the future. For those of you not yet claiming benefits, these four items are critical to your future retirement success. Christy Bieber \ Oct 7, 2018 Social Security benefits …

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This Data Visualization Shows What’s Really Responsible For Our Current Bull Market

On By Tony Kendzior, CLU, ChFC - Financial PlannerIn Investing Money

My Comments: Apart from my concern that many of us will wake up one day soon and discover much of our money has disappeared, it is helpful to understand where all the gains have come from since the last significant crash in 2008. By Nicolas Rapp and Clifton Leaf September 25, 2018 Who's responsible for …

Continue reading This Data Visualization Shows What’s Really Responsible For Our Current Bull Market

Most Americans Fail at Financial Literacy. Here Are 3 Concepts You Absolutely Need to Know

On By Tony Kendzior, CLU, ChFC - Financial PlannerIn Financial Advice

My Comments: A dilemma for many people is they find the language used by those of us in the world of finance and economics very hard to understand. It goes in one ear and comes out the other. I’m about to launch an internet course that will help solve this problem. I call it Successful …

Continue reading Most Americans Fail at Financial Literacy. Here Are 3 Concepts You Absolutely Need to Know

5 questions you should ask before buying an annuity policy

On By Tony Kendzior, CLU, ChFC - Financial PlannerIn Uncategorized

My Comments: Here are five questions about annuities that are adequately answered by Craig Hawley. However, as someone with 42 plus years as a financial professional in financial services, I can say there are more than five questions to be posed before you purchase an annuity. Deciding whether to buy or not buy an annuity …

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We’re underestimating China’s economic power. Here’s why

On By Tony Kendzior, CLU, ChFC - Financial PlannerIn Global Economics

My Comments: By first choosing to opt out of participating in the Trans Pacific Partnership (TPP) and then inviting a trade war with China, the US has effectively ceded global economic supremacy to China. The expressed logic behind these moves was in the guise of ‘Make America Great Again”. Hah! In turn, China is attempting …

Continue reading We’re underestimating China’s economic power. Here’s why

How to Prepare for Costs Medicare Won’t Cover

On By Tony Kendzior, CLU, ChFC - Financial PlannerIn HealthCare, Uncategorized

My Comments: Health issues in retirement are a given for those of us not already passed. Whether they end up costing an arm and a leg depends to some extent on how prepared we are before they happen. Both my wife and I are covered by Medicare and each of us has a ‘medigap’ insurance …

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Ride Out The Next Market Storm With These Balanced Vanguard Funds

On By Tony Kendzior, CLU, ChFC - Financial PlannerIn Investing Money

My Comments: Readers of my blog posts know at least two things: (1) I’ve been expecting a significant downturn for longer than I can remember and (2) I like Vanguard Funds. I have much of my money there, to some extent because of their insanely low fees compared with what I lived with for most …

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I’m a Liberal Because…

On By Tony Kendzior, CLU, ChFC - Financial PlannerIn Personal

As a senior citizen, I’m reminded daily that I’m running out of time to make something happen. I no longer have the energy to be angry about what happened in the past, who is to blame, and explore what might have been. I want to spend my remaining time and energy pushing for what I …

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Caring for Your Aging Parents: How to Prepare

On By Tony Kendzior, CLU, ChFC - Financial PlannerIn Financial Planning, Retirement Planning

My Comments: Retirement is the third major time in people’s lives. It follows childhood and adulthood. Well, OK, a retired person is also an adult but retirement is a different stage. I describe it as when you turn off the ‘work for money’ switch and turn on the ‘money works for you' switch. Meanwhile, modern …

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