My Comments: If this headline caught your attention like it did mine, then what is the message? As a life insurance salesman for lo these past 40 years, talking about death is not something new to me, though always somewhat uncomfortable. You and I both know it’s inevitable, but not something to dwell on. The …
Tag: Life insurance
The Conversation I Don’t Want to Have
My Comments: There are probably other conversations I don’t want to have but this is the one on todays agenda. It involves the problems all of us face as we grow older. The alternative to growing older is you have already died, which in itself is not a happy thought. A colleague in California penned …
The Real Health Care Spending Problem
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 …
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 …
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 …
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How to Get Tax-free Retirement Income With Life Insurance
My Comments: As a financial planner and insurance agent for almost 40 years, I’ve sold my share of life insurance policies. Many of them are still in force, though I have had my share of clients who pass away. The IRS is sensitive to those of us who promote the tax benefits of life insurance. …
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When to Leave Your Money in a Trust
My Comments: Recently, two clients have asked me about asset protection and whether they should start thinking about a trust. The answer is maybe. First, I have to remind everyone that I am not an attorney, and cannot advise people on legal matters. However, I can share basic knowledge that I’ve picked up over the …
3 Ill-Advised Reasons Not to Buy Life Insurance
My Comments: I first became licensed to sell life insurance in 1976. Over the years, I’ve sold many policies, of all kinds, to all manner of people. Some of those clients have since died, though most have not. The skills and ability to help identify a problem and find a solution for that potential problem …
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AFFORDABLE CARE ACT FOR SMALLER FIRMS AND SOLE PROPRIETORS
I’m sure you are sick of this issue, regardless of your point of view. I know I am. But like it or not, it’s not going away. The latest hooha is about some folks whose coverage has been cancelled. As a long time insurance professional, I can tell you this happens all the time. It’s …
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Republicans Need to Stop Scrapping and Change Course
My Comments: Some of you may find it confusing when I say I want a viable Republican Party, one that will field candidates for elected office that have a chance of winning. Partly it’s because I believe in the two party system and partly because I think the Democrats could be as dangerous to the …
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Helping Define Your Financial Future 