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    Your Retirement Future: Things to Think About TODAY
    Your Retirement Future: Things to Think About TODAY
    Your Retirement Future: Things to Think About TODAY
    Ebook71 pages47 minutes

    Your Retirement Future: Things to Think About TODAY

    By Tony Kendzior, CLU, ChFC

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    About this ebook

    Most of us, if we're not already, expect at some point to become a ‘retired’ person. In this book, you'll find a dozen or more ideas to help you navigate the financial side of your life going forward. Unless you plan to live alone on a mountain top, or you’re among the few who win a significant sum in a lottery, finding yourself in retirement with less than enough money is a painful outcome. The ideas I've shared in this ebook will help you accelerate your financial goals and, by extension, achieve your life journeys' goals. You'll get closer to visualizing the critical focus necessary to benefit from as life rolls along.

    LanguageEnglish
    PublisherTony Kendzior, CLU, ChFC
    Release dateJan 2, 2018
    ISBN9781370302826
    Your Retirement Future: Things to Think About TODAY
    Author

    Tony Kendzior, CLU, ChFC

    Tony Kendzior, CLU, ChFC is a semi-retired entrepreneur in financial services. Since 1975, his financial practice has served his community as a trained insurance agent, investment advisor and financial planner. Early on he earned his status as a Chartered Life Underwriter, or CLU, and as a Chartered Financial Consultant or ChFC. Ultimately he established his own Registered Investment Advisor firm, Florida Wealth Advisors, LLC.Today he continues to live in North Central Florida, building new relationships with busy people thinking about their retirement. You can learn about his ideas, his publications, and his way of thinking and teaching at his personal and professional website https://floridawealthadvisors.com/Among his books here on Smashwords is Captive Wealth, which comes in two editions: the 2023 Novice Edition for the business owner recently exposed to the concept of captive wealth and the second, the 2023 Professional Edition, designed for accountants, attorneys, financial advisors and other members of an advisory team. Both are in depth explorations of a contemporary financial strategy for successful small business owners (private medical practices, athletes, tech companies, etc.) looking for ways to grow their wealth by making their business enterprise more tax efficient. Tony is a fiduciary with a personal and professional commitment to clients, knowing that if they succeed, so will he.

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      Book preview

      Your Retirement Future - Tony Kendzior, CLU, ChFC

      Title and Copyright Page

      YOUR RETIREMENT FUTURE

      Things To Think About TODAY

      2022 Edition

      By

      Tony Kendzior, CLU, ChFC

      Published by Tony Kendzior at SmashWords.com

      Copyright 2022 by Tony Kendzior. All rights reserved.

      Smashwords 2022 Edition License Notes

      Thank you for downloading this eBook which is licensed for your personal use only. This ebook may not be re-sold. If you would like to share this book with others, please purchase additional copies for each recipient. If you’re reading this book and did not purchase it, or it was not purchased for your enjoyment only, then please return to Smashwords.com or your favorite retailer, and purchase your own copy. Thank you for respecting the hard work of this author. Everything published here remains the copyrighted property of the author, Tony Kendzior, CLU, ChFC.

      Note: Holders of registered and/or trademarked logos or phrases are specified on the pages where they first appear or in summary sections on each topic.

      Reach out to me at tonykendzior@gmail.com if you have issues with this book.

      YOUR RETIREMENT FUTURE

      Things to Think About TODAY

      Table of Contents

      1-Introduction

      2-Why Retirement is a Flawed Concept

      3-Demographics and Money

      4-Retirement and the 4% Rule

      5-Accelerate Your Financial Goals

      6-Dangerous Retirement Myths

      7-Social Security Fundamentals

      8-Will Excessive Fees Hurt Your Retirement

      9-Annuities and Their Role in Retirement

      10-Reverse Mortgages and Retirement

      11-A Conversation About Long Term Care

      12-An Overlooked Issue in Retirement Plans

      13-My Ending Comments

      Chapter 1 – Introduction

      Whether you plan to retire at some point or are already retired, this book is for you. Unless you die before it happens, being retired is a financial challenge for most of us. Whatever your current status, 12 chapters follow this introduction with many ideas for you to think about and be aware of NOW.

      Unless you plan to live alone on a mountain top, or you’re among the few who win a significant sum in a lottery, finding yourself at retirement with less than enough money is a painful outcome.

      Turning that around so you do have enough money is not going to happen without some elementary planning or more good luck than you should expect.

      Having more money rather less money should be your goal. I can say that with absolute confidence since I’ve spent over 45 years as an insurance agent, financial planner and investment advisor. I’ve helped countless clients and friends make informed decisions about their financial future. Having more is the nature of the society in which we live and breathe.

      Though today I consider myself semi-retired, I still look after former clients who are both still alive and needing additional help. My efforts today are focused on three initiatives. The first is a book I published called The Dynamics of Retirement. It's my effort to reach out to millions of people so they don't find themselves among the 1 in 5 seniors in this country who live in poverty.

      The second can be found in Chapter 5. It’s a dramatic, proven strategy with profound implications for successful small business owners as they attempt to accumulate funds for an eventual retirement.

      The third can be found in Chapter 10. I’m currently licensed for that topic in the State of Florida so please reach out to me if you want more information. My email address is tkendzior@topflitefinancial.com.

      What follows here are both my ideas and those of others whose ideas and efforts I’ve found very helpful. To the extent the ideas are not mine, I’ve made every effort to identify those who brought them to my attention. If I’ve missed someone, I offer my sincere apologies as I make no claim to clairvoyance.

      Your goal is to establish in your mind what you want to do with the rest of your life. Will you have accumulated the

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