Documents to Have as You Get Older – Part One

By Tony Kendzior, CLU, ChFC \ April 27, 2022 Some of us are naturally organized and some of us not so much. From that I conclude that regardless of your ability to keep yourself organized, it’s very important that as we age, we have certain documents and a place to keep them. Be aware that …

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This Is a Correction and Not a Sustained Bear Market

My Comments: Despite my decades of helping others manage their money, when it comes to my personal funds, it’s increasingly difficult to remain objective. Writers like those who wrote the following are profoundly objective, but I suspect they too have issues when it comes to decisions about their personal funds. I know I do. That …

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Reverse Mortgages Are No Longer Just for Homeowners Short on Cash

My Comments: My discussions with folks these days often means questions from them about why I’m involved with reverse mortgages. Their negative implication is rooted in their past understanding that reverse mortgages were considered a shady financial solution. Recently, almost weekly, no less a publication that the New York Times has an article about reverse …

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The Market Is Not as Dumb as It Seems

My Comments: What follows is an article from someone with over 25K followers. I’m always alert for good expressions of what’s happening in the investment world, and his name has surfaced before. When I read it, I was persuaded we are looking at a recession in the near future, whatever that means. It may start …

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Bullish Or Bearish: Where Are We Now?

My Comments: This post is more than a little long. So, unless you’re a market junkie and love this stuff, it may be better to leave it alone. But it always helps to read the insights from true professionals who are far better informed about what might happen in the coming months than I am. …

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An Overview of Reverse Mortgages

by Tony Kendzior, CLU, ChFC \ 7 April 2022 This was written to help me help others better understand the new reverse mortgage. I’ve been a financial planner for over 45 years and recently became a fully qualified mortgage broker under Florida law. You can find my official mortgage related information on the last page. …

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Jaw-Dropping Stats About the State of Retirement in America

My Comments: You should know that I'm now well into my retirement years, except that I’m not really retired. I refer to myself as semi-retired, but also know that I’m working as hard as, if not harder, than I was 20 years ago. I don’t mind it a bit, since boredom is not something I …

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Index Fund Investors Could Be in For A Rough Ride During Retirement – Consider This Instead

My Comments: Are you ready financially for retirement? Millions of people are not, whether they're getting ready to retire or are already retired. What follows can be mostly skipped over as it’s an exhaustive overview of the premise reflected in the title above. Just read the four bullet points below and then read “Final Thoughts” …

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Could a Reverse Mortgage Save Your Retirement?

My Comments: No, I am not trying to sell you a reverse mortgage, though I am licensed to do so. I am saying you should NOT dismiss them out of hand. Under the right circumstances, they are a valuable tool. As a disclaimer, you should know that I arranged one for myself in 2015. As …

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4 Big Expenses You Could Face in Retirement

My Comments: Being retired and frustrated with how much money you have to spend money to stay alive is not always fun. Here is a summary of stuff you’re likely to have to spend a lot of money on before doomsday arrives. This is not to scare you, but to simply alert you that steps …

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