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
My Comments: OK, maybe “funeral” is too strong but the bloom is clearly off the lily. I’ve been registered as a Democrat since I was in college. This was when you had to be if you wanted to vote in the primaries. The only people running were Democrats. I’ve called myself an economist since my …
Continue reading RIP Obama’s Stimulus: Funeral for a Policy Success
My Comments: I confess to having been naive when it comes to some people having a greater influence on political outcomes than others. But now I've read about this report, and what it claims, and my naivete is now boundless. Some friends and family stopped voting long ago. They have accepted that their votes are …
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 …
My Comments: When do you think Congress will adopt any intelligent process to fix ObamaCare so we can all get on with our lives? Anytime soon? Doubtful. As someone who has sold health insurance policies of one kind or another since 1976, I think of myself as fairly knowledgeable about the issue. In those many …
My Comments: Over the years I’ve had people wonder why I’m an optimist. They’ve decided I’m simply blinded by whatever it is that causes me to lean to the left instead of the right. To their mind, the world, and in particular America, is going to hell in a handbasket. I believe that for centuries, …
Continue reading Forecasts of US Fiscal Armageddon Are Wrong
My Comments: I recently published an eBook with the title CAPTIVE WEALTH! It explains how to use an 831(b) Captive Insurance Company to create, to grow, and to preserve wealth. While not a simple idea, it does have the blessing of the IRS if you do it the right way, under the right circumstances. That …
Continue reading Top 10 Benefits and Risks of Forming a Captive
My Comments: I was born in England in 1941 with bombs dropping on and around us almost daily. My father, with the Royal Tank Regiment, was across the Channel in the thick of things. Today I have memories of blasted buildings and walls standing here and there, some with staircases. My mother used to put …
Continue reading U.S. Defense Policy in the Wake of the Ukrainian Affair
My Comments: Two days ago, I posted an article with 11 Tips About Social Security. Only it somehow got posted without a Title. I didn’t notice and no one called or emailed to tell me about it. Maybe the article was compelling on its own or more likely, few people pay any attention to these …
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 …
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