My Comments: Last Friday, I brought “Bitcoin” to the financial table for a lot of you. Just as Facebook has become a fixture in our lives over the past decade, so too will Bitcoin, or something similar. Turning the clock back on the digital age is not going to happen. The challenge for us is …
Tag: financial advice
Our Flawed Financial System is Reflected in Bitcoin
My Comments: What exactly is a bitcoin? I’ve been reading about them for many months now and I’ve yet to understand how I would spend one if it happened to show up in my change at Publix. Chances are it never will. But... The image suggests they are made of metal. But that runs counter …
Continue reading Our Flawed Financial System is Reflected in Bitcoin
Spring Check-Up: 5 Investment Ideas For Your Portfolio
My Comments: OK, we’re a long way into Spring, but the dramatic push to finish taxes by April 15th is behind us. Time now to review and reflect before the heat of summer is here. These five ideas make sense to me. And yes, the approach I take with clients is a little different, ( …
Continue reading Spring Check-Up: 5 Investment Ideas For Your Portfolio
Fiduciaries: Steer Clear of T. Rowe, Fidelity and Vanguard TDFs
My Comments: This article was meant for me as a financial professional with fiduciary responsibilities. However, I think it’s important information for everyone. TDF stands for Target Date Funds. This is a Wall Street invention that attempts to create a special, presumably safe investment portfolio for you, Mr. and Mrs. American Investor. The investment allocation …
Continue reading Fiduciaries: Steer Clear of T. Rowe, Fidelity and Vanguard TDFs
Ruling Near on Fiduciary Duty for Brokers
My Comments: I’m proud of the fact that I’m held to a fiduciary standard. It’s in my best interest as a professional to be held to the same standards as attorneys, CPAs, physicians, and the like. My focus has to be on what is best for my clients, and that’s a good thing. Readers of …
Buy Term and Invest the Difference?
Comments from me, Tony Kendzior: For many years, my primary income resulted from my license to sell life insurance, health insurance and annuities in the State of Florida. But like so much over these many years, the markets changed, the rules changed, the perception of need by consumers changed. And then came the internet. One …
11 Tips to Help YOU With Social Security Benefits
Comment from Tony Kendzior: I’ve been happily accepting monthly checks from the Social Security Administration now for over seven years. I don’t wonder much about it anymore; they just show up in my bank account and along with my wife’s check, make a better positive outcome for us every month. I’m also finding ways to …
Continue reading 11 Tips to Help YOU With Social Security Benefits
Global Markets: At A Turning Point?
My Comments: This article was published two months ago, so it is interesting to see how the ideas expressed were validated or not over February and March. At the time, the focus was a just ended and very dismal January. Everyone was asking me about the rest of the year. And I didn’t have a …
Where Does Gold Go From Here? Let’s Use 40 Years Of History As Our Guide
My Comments: I’ve never been a gold bug. My mother collected silver but that had nothing to do with silver, or gold, as an investment. But it should be included in the category most of us call “alternative investments”, along with real estate, precious metals and other commodities. I make sure my clients include alternative …
Continue reading Where Does Gold Go From Here? Let’s Use 40 Years Of History As Our Guide
5 Simple Ways to Achieve Your Financial Goals
My Comments: Don’t be fooled by this headline from the U.S. News & World Report. There is nothing “simple” about it. In relative terms, maybe, but in absolute terms, not a chance. If it was easy, few people would be entering their retirement years with not enough money. That being said, a sixth step would …
Continue reading 5 Simple Ways to Achieve Your Financial Goals
Helping Define Your Financial Future 