My Comments: Given that we are living much longer and that death is inevitable, if follows that access to affordable health care plays a role in our quality of life. This is especially true for those of us moving into or are already well into, our ‘golden’ years. Medicare has become a critical component in …
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 Best Way to Invest in Index Funds
My Comments: It’s important that some of your money be exposed to the risks and rewards of the stock and bond markets. Not all your money, perhaps 25% of it. So what’s the next step? There’s an increasing awareness of fees and commissions and how they have the potential to erode the value of your …
Another Reason For Donald Trump
My Comments: The white middle class of America is dying faster than other demographics. According to this study, white people with low levels of education have a “cumulative disadvantage”. The result is an increased level of morbidity and mortality. Relative income is down, health outcomes are worse, unstable marriages more frequent, all leading to a …
6 Retirement Lessons
My Comments: My professional efforts these days are focused on helping people make good decisions about their retirement. My grey hair lends itself to this demographic. So my posts tend to favor ideas and thoughts that are relevant to many people either starting to navigate these transitional waters to retirement, or are already there. Nov …
Donald Trump Is Not Having Fun
My Comments: Please understand I am not interested in throwing gasoline on an existing fire. I am interested in understanding how we got to where we are and how we might influence the future for the betterment of EVERYONE OF US. Yes, I did vote for Hillary and did not vote for DT. I didn’t …
How Timing Impacts Your Retirement Portfolio Longevity
My Comments: Many a client has asked “How long will my money last?” and the only rational, unsatisfactory answer is “It depends”. Unfortunately, luck plays a major role in our lives. If you’re alive and well today, chances are you’ve had at least some good luck. In answering the above question, much depends on timing, …
Continue reading How Timing Impacts Your Retirement Portfolio Longevity
3 Charts That Show Stock Market Euphoria Is Totally Unprecedented
My Comments: I’m thinking of getting into the markets. That’s a sure sign the bottom will soon drop out. Jesse Felder on March 18, 2017 Last week I focused on fundamentals, sharing 3 charts that show stock market valuations are totally unprecedented. This week I'll focus on sentiment. When looking at sentiment many people like …
Continue reading 3 Charts That Show Stock Market Euphoria Is Totally Unprecedented
A Retirement Checklist
My Comments: There’s a fundamental difference between strategies and tactics. If you don’t now know the difference, and you realistically plan to retire at some point, then I encourage you to learn and understand the difference. Too many people get caught up in tactical steps, responding to what they might see on TV or in …
Attention, Seniors: A New Social Security COLA Bill Was Just Introduced in Congress
My Comments: This might be good news if it wasn’t so unlikely to happen. Sean Williams | Mar 18, 2017 According to the January snapshot provided by the Social Security Administration, nearly 41.4 million retired workers are receiving a monthly benefits check from Social Security totaling an average of $1,363. While that may not sound …
Continue reading Attention, Seniors: A New Social Security COLA Bill Was Just Introduced in Congress
3 Secrets to a Comfortable Retirement
My Comments: These lists are usually somewhat pathetic. Why just 3 secrets; why not 5? And these are not really secrets. But I needed something to try and catch your attention today so here are 3 Secrets! I think it’s very possible that the next 30 years are going to be far less ‘profitable’ than …
Helping Define Your Financial Future 