Thu, 25 April 2024
This podcast episode focuses on various financial topics, health tips, and investment strategies discussed by certified financial planner Chad Burton. In the episode, Chad provides insights on the current market trends, including the impact of tech earnings, interest rates, and inflation on investment decisions. He delves into the importance of diversification in portfolios, highlighting the performance of different asset classes such as tech-heavy NASDAQ, S&P 500, and emerging markets. Additionally, Chad emphasizes the significance of managing health alongside wealth, offering practical advice on improving health through dietary changes, exercise, and lifestyle modifications. He also touches on the benefits of Health Savings Accounts (HSAs) for retirement planning and healthcare expenses. Furthermore, Chad shares valuable tips on hedging against downside risks in investments, particularly for individuals nearing retirement age. He discusses the benefits of rebalancing portfolios, utilizing health savings accounts strategically, and making informed decisions regarding long-term care costs and inherited IRAs. Chad also provides guidance on starting a health-conscious lifestyle by cutting out sugar, processed foods, and adopting a Mediterranean diet. By incorporating simple steps like taking a walk after meals and making dietary adjustments, listeners can enhance their overall well-being and financial stability. The episode underscores the importance of proactive financial planning, health management, and strategic investment choices for a secure and fulfilling future. Timestamps: [00:01:14] The world of EVs changing rapidly. [00:05:00] Inflation and economic impact. [00:08:03] Inverted yield curves and recessions. [00:14:38] Fighting inflation with stocks. [00:18:00] Managing investment risks. [00:20:00] Hedging against downside risk. [00:24:09] Paying taxes on stock gains. [00:26:26] Health Savings Account Strategies. [00:31:30] Health and wealth swap. [00:35:25] Foods that spike blood sugar. Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Thu, 18 April 2024
This podcast episode focuses on various financial topics, including market updates, investment strategies, and insurance considerations. The host, Chad Burton, discusses the recent market trends, highlighting the performance of different indexes and individual stocks like NVIDIA, Apple, and Tesla. He emphasizes the importance of diversification in investment portfolios, especially in light of the concentrated nature of the current market, with a significant portion of the S&P 500 being tech or communication services companies. Additionally, Chad provides insights into mutual funds and ETFs, explaining the differences between the two and the factors to consider when choosing between them. He also delves into the importance of health and wellness in retirement planning, stressing the significance of maintaining good health to enjoy wealth in later years. Furthermore, the episode delves into the intricacies of life insurance and the considerations individuals should make when evaluating their policies. Chad discusses the significance of term life insurance and the concept of "buy term and invest the difference" as a strategy for financial planning. He also provides valuable insights on managing old cash value life insurance policies, including options like 1035 exchanges and transitioning to more suitable policies based on current needs. Moreover, the importance of staying hydrated and maintaining overall health was highlighted, with Chad offering practical tips on water intake, exercise routines, and lifestyle choices to ensure a healthy and fulfilling retirement. The episode underscores the holistic approach to financial planning, integrating wealth management strategies with health and wellness considerations for a well-rounded and prosperous future. Timestamps: [00:02:28] Tesla's range anxiety and complaints. [00:05:09] Bonds and interest rates discussion. [00:09:04] S&P 500 PE Ratio. [00:13:04] Actively managed vs. passive investing. [00:16:21] Active vs. Passive Fund Management. [00:19:37] Life insurance and investments. [00:23:41] The importance of full physicals. [00:26:30] Options for old life insurance. [00:31:16] Importance of health. [00:33:29] Importance of staying hydrated. [00:36:16] Importance of weight training. Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com
Direct download: New_Focus_Chad_Burton_Ep_1310.mp3
Category:financial planning -- posted at: 7:58am PDT |
Thu, 11 April 2024
This episode focuses on a variety of financial topics, including current news on consumer prices, market performance, interest rates, and alternative investments. Chad provides insights on the latest data on consumer prices, market trends, and the potential impact on interest rates. Additionally, he discusses the importance of diversification in investment portfolios, the performance of different asset classes, and strategies for managing wealth effectively. In the latter part of the episode, Chad shifts the discussion towards the importance of health and wellness in conjunction with financial planning. He emphasizes the significance of maintaining a healthy lifestyle, making simple dietary changes, and incorporating exercise routines to improve overall well-being. He highlights the correlation between wealth and health, urging listeners to prioritize their physical health alongside financial planning to ensure a balanced and fulfilling life. Timestamps: [00:00:52] Consumer prices rose higher. [00:06:28] Balanced portfolio options. [00:09:55] Asset allocation for retirement. [00:13:35] Alternative Investments. [00:18:37] Wealth management strategies. [00:19:44] Interest rates and inflation trends. [00:24:44] Annuity options explained. [00:27:37] Annuity tax implications. [00:31:09] Wealth vs. Health. [00:34:25] The link between gut and brain. [00:37:37] Potential risks of statins. Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com
Direct download: New_Focus_Chad_Burton_Ep_1309.mp3
Category:financial planning -- posted at: 10:35am PDT |
Thu, 4 April 2024
This podcast episode discusses various financial topics, including market numbers, stock and bond market performance, interest rate-sensitive assets, tax considerations, and real estate investment strategies. Chad provides insights on market trends, the impact of interest rate changes on investments, the importance of tax planning, and options for optimizing real estate investments, such as 1031 exchanges and charitable remainder trusts. The episode also delves into the concept of rebalancing portfolios, evaluating rental property performance, and making informed decisions based on individual financial goals and circumstances. Overall, this episode emphasizes the importance of financial planning, tax-efficient strategies, and investment diversification to achieve long-term financial success. Listeners were encouraged to consider their unique financial situations, assess their investment portfolios, and explore options like 1031 exchanges, DSTs, and charitable remainder trusts to optimize their real estate investments and minimize tax liabilities. The host highlighted the significance of understanding market trends, staying informed about tax implications, and making strategic decisions to enhance financial well-being and achieve financial goals. Timestamps: [00:00:51] Market numbers review. [00:06:32] Interest rate impact on bonds. [00:08:49] Benefits of diversified portfolio. [00:14:25] Backdoor Roth IRA strategy. [00:17:50] Tax planning in retirement. [00:20:38] Retirement and mortgage strategies. [00:23:04] Rental properties in the Bay Area. [00:25:47] Rental property investment strategies. [00:30:59] Paying down mortgage options. [00:33:39] Unlocking property cost basis. [00:37:46] Charitable Remainder Trust. Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com
Direct download: New_Focus_Chad_Burton_Ep_1308.mp3
Category:financial planning -- posted at: 7:53am PDT |
Thu, 21 March 2024
The podcast episode discusses various financial topics, including the current market trends, the impact of interest rates on different sectors, and the challenges faced by the insurance industry. The host, Chad Burton, shares insights on the performance of different investment options like stocks, bonds, and real estate investment trusts. He also delved into the complexities of helping children buy homes and the pitfalls of owning a timeshare. The episode provides valuable information on selling a timeshare, navigating insurance rate increases, and making informed financial decisions in various scenarios. Additionally, the episode highlightes the importance of understanding the hidden costs associated with homeownership, such as property taxes, maintenance, and insurance. Chad Burton emphasizes the need for thorough financial planning when assisting children with home purchases and cautioned against the risks of buying timeshares directly. The discussion also touches on the challenges faced by retirees in managing long-term care insurance, navigating insurance rate hikes, and making strategic decisions to optimize travel expenses. Overall, the episode offers practical advice on financial planning, investment strategies, and navigating the complexities of the current market landscape. Timestamps: [00:03:22] AI and productivity in finance. [00:06:29] ETF performance comparison. [00:08:35] REITs and Real Estate Investment Trusts. [00:14:42] Active management in investment. [00:17:23] Rising home insurance costs. [00:19:08] Insurance industry challenges. [00:23:30] Home fire risk and insurance. [00:26:46] Timeshares financial implications discussed. [00:31:08] Time share situation. [00:35:53] Timeshare scams. [00:37:17] Buying direct investment experiences. Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com
Direct download: New_Focus_Chad_Burton_Ep_1307.mp3
Category:financial planning -- posted at: 1:58pm PDT |
Mon, 18 March 2024
This podcast episode features certified financial planner Chad Burton and Rob Black discussing various financial topics related to retirement planning, tax strategies, and investment decisions. Chad highlighted the importance of careful financial planning, especially for those looking to retire early or maintain their lifestyle in retirement. He discussed income gaps, working after retirement, tax season issues, and the impact of recent laws on financial planning, such as the Secure 2.0 Act affecting 529 plans. Chad also emphasized the need for personalized financial advice and decision-making based on individual circumstances and goals. Additionally, the episode promoted an upcoming event in Lafayette, California, titled "Crafting Your Retirement," scheduled for Saturday, March 23rd. The event, hosted by Chad Burton and Stephanie Richmond, aimed to provide insights and strategies for retirement planning, tax-efficient investing, insurance considerations, and long-term care planning. Chad's expertise in financial planning and wealth management was highlighted as they discussed complex financial topics such as IRA to Roth conversions, 529 plan rollovers, and the importance of delegating financial decisions to professionals to focus on other aspects of life. Timestamps: [00:02:12] Working longer to delay retirement. [00:06:31] Income gaps. [00:10:01] Influencers and social media. [00:11:44] Tax withholding issues due to yields. [00:15:50] Contract workers transitioning to W-2. [00:20:56] Underperforming rental properties in Bay. [00:23:41] Rental property inheritance changes. [00:27:25] Crafting your retirement. [00:30:46] 529 Plan Rollover Rules. [00:34:22] Delegation and financial planning. Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com
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Fri, 8 March 2024
In this podcast, Chad and Rob discuss various aspects of personal finance, wealth management, and estate planning. Throughout the episode, Chad and Rob delved into topics such as stress testing financial plans, the importance of estate planning, and the evolution of wealth management strategies over time. They also touched on the significance of having a solid financial plan in place to navigate market volatility and potential risks, emphasizing the need for proper asset allocation and risk management. Additionally, the conversation covered the role of relationships in financial planning, the impact of tax law changes on investment strategies, and the importance of managing wealth effectively to secure financial stability. Chad highlighted the importance of staying informed about market trends, utilizing financial planning tools and software, and making informed decisions to protect and grow one's wealth over time. Timestamps: [00:03:02] Stress testing for financial plans. [00:04:47] Planning for long-term care. [00:08:55] Retirement planning strategies. [00:12:54] Reacting to market fluctuations. [00:17:49] Estate planning. [00:20:29] Estate planning for younger families. [00:23:41] Estate planning and heirlooms. [00:28:49] Estate planning insights. [00:32:31] Wealth management strategies. [00:34:30] Geometric mean in wealth management. Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Fri, 1 March 2024
In this episode, Chad and Rob delve into the complexity of financial planning, covering topics such as insurance, investments, taxes, 401ks, stock options, and more. Chad emphasizes the importance of proactive and ongoing financial planning, highlighting how life changes at different stages require continuous adjustments to financial strategies. The discussion underscores that financial planning is a dynamic process, not a one-time event, with factors like market trends impacting retirement plans and spending decisions. Timestamps: [00:00:52] What is financial planning. [00:04:51] Asset Allocation in Retirement. [00:08:37] Financial advice on social media. [00:15:29] The great wealth transfer. [00:16:19] Estate planning and inheritance changes. [00:19:36] Leaving inheritance wisely. [00:25:54] Keeping Trusts Separate [00:28:47] Wealth management company factors. [00:31:00] Real estate investment insights. [00:35:08] Certified financial planner's role. Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Thu, 15 February 2024
On this episode, Chad and Rob discuss the recent market downturn and its impact on retirement planning. Chad highlights the importance of saving for retirement, citing statistics on savings across different generations. Chad invites listeners to an upcoming event focused on retirement readiness and financial planning strategies. Tune in to gain insights on managing your finances for a stress-free retirement. Timestamps: [00:03:51] Portfolio construction is key. [00:04:59] Tax efficiency and retirement planning. [00:09:29] Jeff Bezos financial moves [00:13:29] Tax-efficient portfolio construction. [00:17:47] The importance of retirement readiness. [00:22:14] Private Credit and Direct Lending. [00:25:32] Private real estate tax efficiency. [00:26:14] Real Estate Investment Trusts. [00:32:36] Real estate investment stories. [00:36:04] Real estate investment trusts. Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Thu, 15 February 2024
Chad starts by discussing the upcoming event, "7 Steps for Retirement Readiness," which covers crucial aspects such as taxes, income, long-term care, safe money, investing, life goals, and health and wellness. He emphasizes the importance of this event in light of the challenges faced by investors in the current economic climate. Moving on, Chad delves into the world of investing, specifically focusing on the S&P 500, NASDAQ, and popular tech funds like XLK. He highlights the concentration of the S&P 500 in technology stocks and the need for diversification, especially as one approaches retirement and transitions from growth-focused investments to a more balanced portfolio. The discussion then shifts to the 4% rule, a guideline for determining retirement income. Chad explains that while the 4% rule is a useful starting point, it should not be blindly followed. He emphasizes the importance of having a comprehensive financial plan that considers factors like taxes, healthcare costs, and unexpected expenses. The episode also explores the active vs passive investing debate. Chad suggests that a combination of both approaches can be beneficial, with passive investing being more tax-efficient in taxable accounts and active management potentially outperforming in certain asset classes like small cap and international stocks. Lastly, Chad addresses the concept of sequence of returns risk, which refers to the impact of market fluctuations on retirement income. He emphasizes the need for a withdrawal strategy, diversification, and proper planning to mitigate the potential negative effects of market downturns. Overall, this episode of "New Focus on Wealth" provides valuable insights and practical advice for individuals seeking to enhance their retirement readiness, navigate the active vs passive investing landscape, and understand the risks associated with sequence of returns. Don't miss out on this informative and engaging discussion with Chad Burton, a seasoned financial planner. Timestamps: [00:01:35] Retirement challenges and inflation. [00:04:34] Concentration in investment portfolios. [00:10:05] The 4% rule. [00:14:55] Home maintenance and expenses. [00:17:57] The Suitcases Always Packed Pass. [00:22:34] Subscription management and savings. [00:26:02] Active Management in Other Asset Classes. [00:29:48] Trends in music industry. [00:31:47] Sequence Return Risk. [00:36:40] Long-term care and Medicaid planning. Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Fri, 9 February 2024
In this episode, Chad & Rob provides valuable insights and advice on preparing for retirement. From wealth accumulation to wealth management, Chad covers the essential steps to ensure a secure and fulfilling retirement. Here's a breakdown of what was discussed in this episode:
Don't miss out on the valuable information shared in this episode! Join Chad Burton and Rob Black at the upcoming event, "Seven Steps for Retirement Readiness," where they will provide in-depth guidance on achieving a secure and fulfilling retirement. Sign up today at chadburton.com or robblackshow.com. Remember, retirement planning is a crucial aspect of your financial journey. Stay informed, make wise decisions, and secure your financial future with New Focus on Wealth. Timestamps: [00:01:02] Getting ready for retirement. [00:03:51] Planning for retirement expenses. [00:07:44] Spousal options and retirement. [00:11:39] Market highs and reduced risk. [00:15:08] Investing in value vs growth. [00:19:36-00:19:46] Giving notice and retirement plans. [00:23:23] Rolling options into annuities. [00:27:29-00:28:00] Annuities and life insurance policies. [00:32:34] After-tax dollars in 401k. [00:35:07] Rolling over retirement accounts. Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Thu, 8 February 2024
The episode kicks off with a market update, discussing the performance of different indexes and highlighting the impact of China's economy on emerging markets. Chad also explores the challenges faced by regional banks and the potential risks associated with commercial loans and real estate investments. Moving on to retirement planning, Chad emphasizes the importance of knowing your expenses and understanding how they may change throughout different stages of retirement. He provides valuable insights into the 4% rule, which helps determine if your portfolio can sustain your desired lifestyle in retirement. Chad also touches on the significance of balancing your financial goals with your personal fulfillment, including travel plans, hobbies, and volunteer work. Throughout the episode, Chad shares practical tips and strategies, such as leveraging pledged asset lines to avoid selling securities, maximizing credit card rewards for travel, and navigating the complexities of timeshares. He also highlights the benefits of working with a certified financial planner to create a comprehensive financial plan tailored to your specific needs and goals. Don't miss out on this engaging and informative episode that will empower you to make sound financial decisions, plan for retirement, and achieve long-term financial success. Tune in now to gain a new focus on personal finance, wealth management, and the economy. Timestamps: [00:02:18] China's impact on emerging markets. [00:06:32-00:06:43] Commercial real estate loans refinancing. [00:07:59] Flushed down the toilet. [00:11:41] Commercial properties and restructuring. [00:15:26] Small cap value investing. [00:19:33] Financial considerations when selling homes. [00:24:00] Borrowing against securities for real estate. [00:26:59] The rule of 4%. [00:31:39] Rough year for snow. [00:33:35] Increasing vacation budget. [00:36:26] Planning vacations on the fly. Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com
Direct download: New_Focus_Chad_Burton_Ep_1306.mp3
Category:financial planning -- posted at: 10:59am PDT |
Tue, 6 February 2024
In this episode of New Focus on Wealth, certified financial planner Chad Burton dives into the important topics of retirement readiness and healthcare costs. Chad starts by discussing the seven steps to retirement readiness, which include assessing your financial situation, determining your asset allocation, and creating a withdrawal strategy. He emphasizes the importance of having enough safe money to cover expenses and the need for a proper tax plan to minimize taxes in retirement. The episode also delves into the rising healthcare costs in retirement. Chad highlights a study that reveals a typical US couple may need up to $413,000 to cover healthcare expenses in retirement, especially if they have high prescription drug needs. He explains the complexities of Medicare, supplemental plans, and the impact of income on healthcare costs. Throughout the episode, Chad emphasizes the need for individuals to prioritize their health and well-being in retirement. He encourages listeners to focus on maintaining a healthy lifestyle and making informed decisions about healthcare coverage. Don't miss this informative and engaging episode of New Focus on Wealth as Chad Burton provides valuable insights and strategies for retirement readiness and managing healthcare costs. Timestamps: [00:02:30] Valuations of technology companies. [00:06:09] Office real estate delinquencies. [00:07:46] Real estate investment trust companies. [00:13:04] Retirement planning and expenses. [00:15:02] Retirement readiness [00:19:04] How much to draw in retirement. [00:23:44] Tax situation changes with Social Security. [00:27:05] Long-term care and retirement. [00:30:00] Healthcare expenses in retirement. [00:34:15] Healthcare costs in retirement. [00:36:43] Retirement planning and saving. Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com
Direct download: New_Focus_Chad_Burton_Ep_1305.mp3
Category:financial planning -- posted at: 7:42am PDT |
Mon, 5 February 2024
In this episode, host Chad & Rob discusses the importance of building a retirement portfolio and proper asset allocation. Chad emphasizes the stages of wealth accumulation and management and introduces the seven steps for retirement readiness. He also announces an upcoming event in Menlo Park, California, where attendees with $500,000 or more in stock market assets can learn about various financial topics. Tune in to gain valuable insights on retirement planning and investment strategies. Timestamps: [00:01:02] Retirement portfolio and asset allocation. [00:03:53] Asset allocation in retirement. [00:09:03] A good year in 2023. [00:13:08] Asset allocation and diversification. [00:17:08] Commercial real estate trends. [00:19:08] Real estate occupancy rates. [00:23:31] A 60-40 portfolio's recovery. [00:28:29] The order of stock market returns [00:30:37] Reverse dollar cost averaging. [00:33:58] Planning for retirement expenses. Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Fri, 2 February 2024
The episode kicks off with a discussion on the seven steps to retirement readiness. Chad emphasizes the need for a comprehensive financial plan that goes beyond just having enough savings. He highlights the importance of tax efficiencies, safe money allocation, and planning for long-term care costs. Listeners are encouraged to attend an upcoming event hosted by Chad, where he will delve deeper into these topics. Chad also delves into the concept of linear cash flow and its significance in retirement planning. He explains how to calculate the rate of return needed to ensure a comfortable retirement and stresses the importance of being conservative in projections. By using a rate of return just under 6%, Chad helps listeners assess the longevity of their retirement savings. The conversation then shifts to the challenges retirees face, including healthcare costs and the decision of when to take Social Security. Chad provides valuable insights on navigating Medicare, choosing supplemental insurance, and optimizing Social Security benefits based on individual circumstances. He also highlights the impact of tax planning on retirement income and the benefits of charitable gifting from IRAs. In addition to financial planning, Chad emphasizes the importance of prioritizing health in retirement. He shares his personal interest in longevity and discusses the emerging research on the gut-brain connection, exercise, and healthy lifestyle choices. Chad encourages listeners to invest in their health now to enjoy a fulfilling retirement. Timestamps: [00:02:10] Linear cash flow. [00:04:10] Rate of return in retirement. [00:08:37] Average market gains and losses. [00:14:33] CFP Chad Burton's outdoor adventures. [00:16:20] Order of stock market returns. [00:20:09] Medicare and supplemental insurance. [00:23:05] IRA charitable contributions. [00:29:36] Gut health and brain function. [00:30:51] Focusing on healthcare and wellness. Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Thu, 1 February 2024
Diversifying Company Stock, Strategies For 401k Rollovers & Impact Of Diet And Lifestyle On Inflammation
The episode starts with a discussion on the potential rate cut by the Fed and its impact on the market. Chad also highlights the importance of diversifying your portfolio, especially if you are overweight in company stock. He shares strategies for reducing exposure to single company stock and maximizing tax benefits, including the net unrealized appreciation (NUA) tax strategy. Chad emphasizes the significance of understanding tax brackets and deductions in retirement planning. He explains how to leverage the standard deduction and capital gains tax brackets to minimize taxes and optimize your retirement income. Additionally, Chad provides valuable tips for improving your overall health, including cutting out sugar, processed foods, and alcohol, and incorporating intermittent fasting and infrared saunas. Timestamps: [00:01:13] Fed Day and rate cut. [00:06:28] First home buying challenges. [00:07:56] Commission-based stock trading. [00:11:41] Overweight in company stock. [00:17:22] Net unrealized appreciation tax benefits. [00:19:19] Endless travel pass. [00:24:15] Tax planning in retirement. [00:27:08] Rolling over 401k to IRA. [00:31:11] Mailing checks to your brokerage firm. [00:34:07] Dealing with pain and inflammation. [00:37:58] Diets and health effects. Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com
Direct download: New_Focus_Chad_Burton_Ep_1304.mp3
Category:financial planning -- posted at: 7:09am PDT |
Mon, 29 January 2024
In this episode of New Focus on Wealth, certified financial planner Chad Burton dives into the important topics of retirement readiness and managing concentrated stock positions. Chad begins by sharing his personal experience attending his father's retirement party and reflecting on the concept of retirement. He then introduces the upcoming event, "Seven Steps for Retirement Readiness," hosted by EP Wealth Advisors, where he will be discussing crucial aspects of retirement planning such as taxes, income, long-term care, safe money, investing, life goals, and health and wellness. The conversation shifts to the recent rally in the market sparked by the anticipation of rate cuts by the Federal Reserve. Chad explains the implications of rate cuts and the potential impact on the economy. He also discusses the inverted yield curve and its historical correlation with recessions. The discussion then delves into the importance of asset allocation, specifically the balance between growth and value investments. Chad emphasizes the need for diversification, especially as individuals approach retirement. He highlights the performance differences between growth and value ETFs and the significance of rebalancing one's portfolio. The episode also addresses the challenges of managing concentrated stock positions. Chad provides practical steps to mitigate risk, including selling vested RSUs, trimming ESPPs, and reviewing 401(k) investments. He emphasizes the need to diversify and reduce risk as retirement approaches. Furthermore, Chad explores the strategy of selling covered calls as a way to generate income and manage concentrated positions. He explains the concept of call options and how they can be used to hedge against potential losses or create income. He also clarifies common misconceptions about selling calls and the benefits of actively managing these positions. Overall, this episode of New Focus on Wealth offers valuable insights and practical advice for individuals preparing for retirement and managing concentrated stock positions. Listeners will gain a deeper understanding of retirement readiness and the importance of diversification in building a secure financial future. Timestamps: [00:03:08] Recent rally sparked by rate cuts. [00:06:06] Inverted yield curve and recession. [00:07:32] Rebalancing investment portfolios. [00:12:05] Tech wreck and higher interest rates. [00:18:08] Concentrated stock positions. [00:19:30] Concentrating on stock positions. [00:23:05] Mega Roth 401k option. [00:26:46] Retirement and wealth issues. [00:30:09] Selling covered calls. [00:33:28] Diversification through selling calls. Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Thu, 18 January 2024
In this episode of New Focus on Wealth, host Chad Burton discusses the current market conditions and the potential impact of interest rate cuts. He explains that there was a rally in both stocks and bonds at the end of 2023, driven by the expectation that the Fed would cut interest rates four to six times. However, Burton warns that this may not be a positive sign, as excessive rate cuts indicate a struggling economy. He emphasizes that rate cuts are primarily beneficial for bonds and explores the reasons behind them, which is to stimulate economic growth. Listeners are encouraged to be cautious and mindful of the potential implications of these rate cuts on their investments. Timestamps: [00:02:17] Emerging market assets dropping. [00:07:11] An interesting topic. [00:08:35] Drop in real estate agents. [00:13:30] Online crypto trading scams. [00:17:19] Inflation and grocery store prices. [00:19:32] Proper inflation rate. [00:23:06] Bucket list and retirement expenses. [00:28:31] Retirement planning and market volatility. [00:30:06] Diet and its significant changes. [00:33:09] Aging and health through diet. [00:37:11] Annuities for growth. Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com
Direct download: New_Focus_Chad_Burton_Ep_1302.mp3
Category:financial planning -- posted at: 9:34am PDT |
Wed, 10 January 2024
In this episode of New Focus on Wealth, host Chad Burton discusses the themes for 2024 in the stock market and economy. Despite expectations of a recession in 2023, it did not materialize. Looking ahead, the upcoming elections and potential changes in taxes and other policies are important factors to consider. The overall theme is that the Federal Reserve has likely achieved a soft landing by raising rates. Stay tuned to gain insights into the financial landscape for the year ahead. Timestamps: [00:01:24] Wacky elections and taxes. [00:04:03] 10-year bond overvalued. [00:08:01-00:08:12] Value over growth in 2024. [00:10:53] REITs underperforming S&P 500. [00:16:40] Volatility and consistent returns. [00:18:14] REITs and real estate investment trusts. [00:23:24] Safe money ideas for retirees. [00:25:23] Tradable money market funds. [00:30:23] Estate tax and gifting limits. [00:33:36] Estate planning for pets. [00:37:35] Rental property income discrepancies. [00:40:01] Real estate as a business. Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Thu, 4 January 2024
In 2023, interest rates underwent significant fluctuations, starting with an inversion where the two-year U.S. Treasury paid more than the 10-year U.S. Treasury. However, as the year progressed, interest rates rallied. By year-end, the 10-year U.S. Treasury rate stood at approximately 3.88%, reaching a peak of 4% at one point. Meanwhile, the two-year treasury closed the year at 4.23%. This unprecedented volatility in interest rates had a profound impact on the market. The episode highlights the strong performance of the NASDAQ, with the QQQ ETF rallying by 54.85%. This indicates that the QQQ ETF, which tracks the NASDAQ's performance, achieved a total return of 54.85% in 2023. This remarkable increase surpassed other major indexes like the S&P 500. The NASDAQ's robust performance can be attributed to the recovery of tech stocks, which had experienced a decline in the previous year. Additionally, the S&P 500 delivered a total return of 26.19% in 2023, indicating a positive year, albeit not as strong as the NASDAQ. In 2023, growth stocks significantly outperformed value stocks. The NASDAQ, which heavily comprises growth stocks, achieved a total return of 54.85% for the year, while the S&P 500, consisting of a mix of growth and value stocks, achieved a total return of 26.19%. This highlights the strong performance of growth stocks in the market. However, it remains crucial to maintain a balanced portfolio that includes both growth and value stocks. While growth stocks may have outperformed in 2023, value stocks tend to exhibit more stability and provide consistent returns over the long term. Value stocks are often attractively priced and possess lower price-to-earnings ratios, making them more resilient during market volatility. By incorporating both growth and value stocks into a balanced portfolio, investors can benefit from the potential upside of growth stocks while enjoying the stability of value stocks. This approach helps mitigate risk and provides more consistent returns over the long term. Furthermore, diversifying the portfolio by including different asset classes, such as bonds and international stocks, can further enhance stability and performance. Spreading investments across various sectors and regions reduces the impact of any single investment or market segment on the overall portfolio. In summary, while growth stocks may have outperformed in 2023, it is essential to maintain a balanced portfolio that includes both growth and value stocks, along with other asset classes. This approach enables investors to achieve consistent returns and mitigate risk over the long term. Timestamps: [00:05:06] Wild ride in interest rates. [00:09:29] Endless travel for $2,500. [00:09:58] Value versus growth investing. Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Fri, 22 December 2023
In this episode of New Focus on Wealth, certified financial planner Chad Burton provides valuable insights into the current state of the market and offers expert advice on managing your investments. Chad discusses the recent market rally since November 1st, highlighting the performance of various asset classes such as the S&P 500, equal-weighted S&P 500 ETF, emerging markets, international developed markets, Russell 2000, and bonds. He emphasizes the importance of diversification and the potential opportunities in areas that have experienced price declines. The episode also delves into the concept of tax loss harvesting, where Chad explains how investors can strategically sell assets showing losses to offset gains and reduce their tax liability. He provides examples and tips on how to effectively implement this strategy in a taxable investment account. Furthermore, Chad explores the benefits of direct indexing for high-net-worth individuals, explaining how it allows investors to replicate the holdings of an index fund or ETF and actively manage their portfolio to optimize tax efficiency. Timestamps: [00:00:41] Market performance since November 1st. [00:07:18] Large cap outperformance versus small cap. [00:10:09] Bond market volatility. [00:18:38] Retirement planning resources. [00:19:35] Managing taxes on portfolios. Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com
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Thu, 14 December 2023
In this episode of "New Focus on Wealth," Certified Financial Planner Chad Burton provides a market update, discussing the performance of various indices and asset classes. He highlights the strong performance of the NASDAQ and S&P 500, as well as the potential opportunities in emerging markets and actively managed funds. Chad also shares year-end tax moves to consider, including tax loss harvesting and managing capital gains distributions. He delves into the 4% draw rule for retirement income, explaining its limitations and the importance of adjusting spending during market downturns. Additionally, Chad explores the differences between ETFs and mutual funds, emphasizing the tax efficiency of ETFs in taxable accounts. Overall, this episode offers valuable insights and strategies for managing wealth and making informed financial decisions. Timestamps: [00:01:09] Tech recovery [00:04:10] Selective value stocks outperforming. [00:08:31] Year end tax moves. [00:13:00] Selling stock tax-wise for the year. [00:15:25] Capital gains tax brackets. [00:19:14] The 4% draw rule. [00:24:20] Stock market recoveries can be fast. [00:28:00] Guardrails for retirement spending. [00:31:18] ETFs vs Direct Indexing. [00:34:05] Tax efficiency of ETFs. Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com
Direct download: New_Focus_Chad_Burton_Ep_1298.mp3
Category:financial planning -- posted at: 9:07am PDT |
Wed, 6 December 2023
In this episode of "New Focus on Wealth," certified financial planner Chad Burton provides a comprehensive market update, discussing the recent rally in stocks, the bond market, and the potential impact of the Federal Reserve's interest rate decisions. He highlights the performance of different indexes, such as the NASDAQ, S&P 500, and Russell 2000, and emphasizes the importance of diversification in a balanced portfolio. Chad also delves into the value of credit card points and airline miles, addressing concerns about potential devaluation and the impact of the Credit Card Competition Act. Additionally, he shares insights on the significance of water consumption for overall health and retirement readiness, emphasizing the importance of staying hydrated and maintaining a healthy lifestyle. The episode concludes with a reminder to sign up for a webinar on retirement readiness and the benefits of using a corporate bond ladder in retirement planning. Timestamps: [00:01:10] Market update and rally. [00:03:42] Commercial refinance issue coming up. [00:08:46] Small cap market performance. [00:13:13] Value versus growth performance. [00:16:41] Market oversold in 2022. [00:19:30] Endless travel pass. [00:23:31] Retirement portfolio strategies. [00:26:05] Air miles devaluation concerns. [00:29:23] Value of airline miles. [00:33:56] Water consumption and health. [00:37:24] Retirement and community living. Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Thu, 30 November 2023
In this episode of "New Focus on Wealth," certified financial planner Chad Burton discusses various topics related to retirement planning and financial security. He starts by paying tribute to Charlie Munger, vice chairman of Berkshire Hathaway, who recently passed away. Chad then delves into the performance of Berkshire Hathaway over the years and highlights the differences between its A and B shares. He also provides an update on the overall market and discusses the importance of having a dynamic withdrawal strategy in retirement, taking into account factors such as tax planning, healthcare costs, and market cycles. Chad emphasizes the need to track expenses, consider long-term care insurance, and utilize health savings accounts (HSAs) for retirement planning. He concludes by stressing the significance of maintaining good health and staying active in retirement. Listeners are invited to sign up for a webinar on the seven steps for retirement readiness, hosted by Chad and Rob Black. Timestamp: [00:01:33] Charlie Munger's passing. [00:05:24] Value investing performance. [00:09:41] Layaway and credit card usage. [00:13:59] Medicare and supplemental insurance. [00:17:42] Retirement withdrawal strategy. [00:19:16] Endless travel for $2,500. [00:24:18] Running Retirement on Fixed Budget. [00:27:31] Long-term care costs. [00:30:10] Long-term care insurance policies. [00:33:33] Health Savings Account benefits. [00:37:21] A shocking dance floor accident. [00:41:13] The 4% draw rate. [00:45:09] The benefits of EP Wealth's software. [00:47:52] Seven steps to retirement readiness. Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com
Direct download: New_Focus_Chad_Burton_Ep_1296.mp3
Category:financial planning -- posted at: 10:37am PDT |
Mon, 27 November 2023
In this podcast episode, the host, Chad Burton, discusses various topics related to personal finance, wealth management, and retirement readiness. Here are some key points covered in the episode:
Additionally, the host mentions a webinar on "Seven Steps for Retirement Readiness" that he and Rob Black will be conducting on December 7th. He encourages listeners to sign up for the webinar and provides information on how to do so.
Timestamps: [00:01:34] Tech stocks and market cycles. [00:06:46] How well international developed has done. [00:08:01] Historically high interest rates. [00:11:38] Recession and earnings calls. [00:17:14] Taxation of Social Security. [00:19:05] Taxes and FICA Contribution. [00:24:12] Mega Roth 401k. [00:27:09] Tax-free growth in a Roth. [00:32:46] Mental health and processed foods. [00:34:24] Terrible effects of plastic water bottles.
Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com
Direct download: New_Focus_Chad_Burton_Ep_1295.mp3
Category:financial planning -- posted at: 10:24am PDT |
Fri, 17 November 2023
In this episode of the podcast "New Focus on Wealth," host Chad Burton, a certified financial planner, discusses various topics related to personal finance, wealth management, and the economy. The episode begins with a disclaimer that the views and opinions expressed are not necessarily those of the radio station or its sponsors, and should not be taken as legal, tax, or investment advice. Listeners are encouraged to consult with an appropriate advisor before making any financial decisions. Chad Burton starts by introducing himself as a certified financial planner and invites listeners to send in their money-related questions. He mentions that the episode will cover the current state of the market, IRA to Roth conversions, and strategies for funding charities during the month of giving. The discussion on the market begins with an overview of the S&P 500 and its tech-heavy composition. Chad explains that the market has experienced a rally in recent weeks due to the Federal Reserve signaling a pause in interest rate hikes. He emphasizes the importance of not trying to time the market and highlights the need for a long-term perspective when investing. The conversation then shifts to IRA to Roth conversions, which are particularly relevant for retirees. Chad explains that November is an ideal time for year-end planning, as individuals have a good idea of their tax situation for the year. He emphasizes the benefits of Roth conversions in retirement planning, such as maximizing tax savings and creating a tax-free growth account. However, he cautions that careful analysis and consultation with a financial planner and tax advisor are necessary to navigate potential pitfalls, such as the impact on premium tax credits and Medicare premiums. Lastly, Chad discusses strategies for funding charities during the month of giving. He encourages listeners to consider their tax brackets and the potential benefits of donating appreciated assets, such as stocks or real estate, to minimize taxes and maximize charitable impact. Overall, this episode provides valuable insights into the current market conditions, retirement planning strategies, and charitable giving considerations. Chad Burton's expertise as a certified financial planner shines through as he offers practical advice and encourages listeners to take a long-term perspective in their financial decisions. Timestamps: [00:01:19] Retirement readiness and planning. [00:04:14] The impact of rising interest rates. [00:09:36] The broad market performance. [00:12:28] Bond market rally and rates. [00:16:37] Real estate investment trusts. [00:20:05] REITs and Small Caps Performance. [00:23:16] IRA to Roth conversions [00:35:00] Roth IRA conversions and taxes. [00:38:09] Capital gains tax brackets. [00:44:06] Moving money from an IRA to a Roth. [00:45:52] Charitable giving strategies. [00:49:48] Donor advised funds. [00:52:26] Qualified charitable distribution. Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com
Direct download: New_Focus_Chad_Burton_Ep_1294.mp3
Category:financial planning -- posted at: 11:32am PDT |
Fri, 3 November 2023
The Performance Of Different Asset Classes & The Appropriate Use Of Life Insurance In Financial Planning
In this episode of the podcast, certified financial planner Chad Burton provides insights and analysis on various financial topics. The episode begins with a discussion on the current state of the market, focusing on the S&P 500 and NASDAQ indexes. Burton explains the composition of these indexes and highlights the dominance of tech stocks in their performance. He also emphasizes the importance of diversification in building portfolios and cautions against solely relying on large-cap growth stocks. Burton then delves into the performance of different asset classes, including emerging markets, international developed markets, small-cap and mid-cap stocks, and real estate. He compares their returns for the year and provides context by examining their performance since January 2022. He notes that while large-cap growth stocks have seen significant gains this year, other asset classes are still down from their January 2022 levels, presenting potential opportunities for investors. The discussion shifts to fixed income investments, particularly bonds. Burton highlights the attractive yields currently available in the bond market and suggests considering options such as corporate bond ladders and treasury ladders. He explains how these strategies can provide consistent cash flow and potential capital appreciation if interest rates decline in the future. In the latter part of the episode, Burton addresses the topic of life insurance. He clarifies his stance on life insurance, stating that he supports its use when appropriate, such as for protecting families, funding buy-sell agreements, and addressing estate planning needs. However, he cautions against using life insurance as a blanket investment and emphasizes the importance of prioritizing other retirement savings options, such as maxing out 401(k) contributions and Roth IRAs, before considering cash value life insurance policies. Burton concludes the episode by providing a formula for determining life insurance coverage based on income, number of children, and outstanding debts. He also discusses specific scenarios where life insurance can be beneficial, such as second marriages, key person insurance for businesses, and estate tax planning. Overall, this episode offers valuable insights into the current market conditions, the performance of different asset classes, and the appropriate use of life insurance in financial planning. Chad Burton's expertise as a certified financial planner shines through as he provides practical advice and guidance for listeners. Timestamps: [00:01:15] S&P 500 and NASDAQ components. [00:04:09] Asset class performance [00:07:26] Tech stocks performance. [00:12:31] Small cap value opportunities. [00:15:21] REITs and their decline. [00:19:18] Earnings growth in the S&P 500. [00:23:11] Bonds creating stock market competition. [00:27:48] The stock market and bonds. [00:30:42] Buy term and invest. [00:35:40] Long-term care insurance tax. [00:39:08] Estate tax and life insurance. [00:41:12] The downsides of life insurance. Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com
Direct download: New_Focus_Chad_Burton_Ep_1293.mp3
Category:financial planning -- posted at: 1:00pm PDT |
Wed, 25 October 2023
In this episode, Chad & Rob dive into the seven tests for retirement readiness, providing valuable insights and advice to help you make sense of your money matters. With over 28 years of experience in finance and investing, Chad draws from his expertise to guide you through the intricacies of retirement planning. But before delving into the tests, Chad emphasizes the importance of seeking unbiased advice from a certified financial planner practitioner, rather than relying on financial advisors who may be more focused on selling products than providing comprehensive planning. He also highlights the need to have a clear understanding of your expenses, including non-discretionary and discretionary costs, as well as healthcare expenses and potential future expenses such as grandkids' gifts, home maintenance, and vacations. Chad stresses the significance of considering your tax situation and the potential impact of market corrections on your portfolio. He also touches on the importance of long-term care planning and the various options available, such as long-term care insurance, hybrid life insurance policies, and Medicaid planning. Throughout the episode, Chad emphasizes the need for a well-rounded financial plan that takes into account risk tolerance, tax planning, safe money allocation, and the potential impact of market fluctuations. Don't miss this informative episode that will help you assess your retirement readiness and make informed financial decisions. Timestamps: 00:02:04 Prepare for retirement with unbiased advice. 00:06:26 Retirement planning requires careful consideration. 00:14:23 Plan for longer retirement years. 00:15:16 Eating healthy is important. 00:21:10 Long-term care planning is crucial. 00:27:07 Long-term care insurance reduces stress. 00:30:01 Adjust portfolio for retirement success. 00:35:29 Financial planning event this Saturday. Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Tue, 24 October 2023
In this episode, Chad & Rob dive into the complex world of retirement income and strategies. From taxes and healthcare costs to investment withdrawal and Social Security, Chad breaks down the different phases of retirement and the financial considerations that come with each stage. He also discusses the importance of having a solid retirement plan, especially for those aged 55 and older with significant investable assets. Chad also highlights an upcoming event, the "Seven Tests of Retirement Readiness," where attendees can gain valuable insights and guidance on navigating the complexities of retirement. Whether you're looking to optimize your retirement income or make informed financial decisions, this episode offers valuable advice and expert insights from a seasoned financial planner.
Timestamps: 00:01:27 Retirement income strategies and phases. 00:05:08 Social Security benefits and taxes. 00:10:11 Consider bond laddering for safety. 00:15:00 Be cautious when rolling over a 401k into an IRA, especially if you're a high income earner or planning to retire before age 59 and a half. 00:20:29 Rolling over 401k to IRA. 00:26:00 401k rollovers require careful planning. 00:30:37 Retirement plan management options. 00:35:24 Tech companies dominate market index. 00:40:29 Active management can pay off. 00:46:00 Proper asset allocation reduces risk. 00:50:05 Individual bond ladders offer stability. 00:55:00 Careful consideration before buying. 01:00:47 Real estate analysis for retirement. 01:04:30 Real estate investment options explained.
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Mon, 23 October 2023
In this episode of the podcast, certified financial planner Chad Burton joins host Rob Black to discuss the various aspects of retirement planning and wealth management. The episode focuses on the importance of retirement readiness and happiness, emphasizing the need to plan for a fulfilling and financially secure future. Chad highlights the significance of factors such as taxes, income, long-term care, safe money, investing, life goals, and health and wellness in retirement planning. He also delves into the complexities of required minimum distributions (RMDs) and Roth conversions, providing valuable insights and strategies to navigate these aspects of retirement planning. Additionally, Chad sheds light on unexpected retirement expenses, such as taxes, inflation, healthcare costs, home maintenance, travel expenses, and the financial implications of losing a spouse. Timestamps: [00:02:00] Delaying retirement for happiness. [00:04:24] Bad advice versus a fiduciary. [00:08:22] Account consolidation and taxes. [00:10:57] RMDs - a ticking tax time bomb. [00:15:05] Avoiding taxes with charitable donations. [00:19:50] Seven Tests of Retirement Readiness. [00:23:14] Tax benefits of a Roth IRA. [00:25:13] Health insurance and retirement. [00:29:06] Self-employed 401k strategies. [00:33:14] Home maintenance expenses. [00:35:43] Rising vacation costs. [00:39:23] Timing the market doesn't matter. [00:43:29] Retiring before a market decline. [00:46:01] Social Security sustainability. [00:49:10] Taxes on Social Security. [00:53:02] Market performance scenarios. [00:56:18] Knowing when to sell. [01:00:10] Selling covered calls for income.
Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Tue, 10 October 2023
In this podcast episode, Chad & Rob cover the topic of gifting to family and charity for year-end tax planning. Chad emphasizes the importance of doing a long-term cashflow projection and considering the potential taxes that need to be paid when drawing from retirement accounts. Burton explains that individuals can gift to as many people as they want, but exceeding $17,000 to a single person requires filing a gift tax return. He also discusses the estate tax exemption and how gifting can help reduce the taxable estate. Timestamps: [00:01:52] Gifting rules and tax implications. [00:03:48] Gifting to reduce estate tax. [00:07:37] Setting up spousal lifetime access trusts. [00:11:11] Health and fitness advice. [00:14:39] Giving from IRA to charity. [00:17:59] Donor-advised fund. [00:21:01] Tax deductions for charitable giving. [00:24:29] Charitable remainder trust and donor advised funds. [00:29:08] Tax loss harvesting. [00:32:39] Lower taxes for longer. [00:34:06] Accumulating wealth and financial planning. Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Thu, 5 October 2023
In this episode of New Focus on Wealth, host Chad Burton discusses the current stock market correction and its implications for investors. He explains that a correction occurs when the market is down 10% from a recent peak and highlights that most indexes have been negative since January 2022. Chad also mentions the impact of rising interest rates on tech stocks and the subsequent rally in the AI sector. Despite the QQQ ETF representing the NASDAQ being up 33.87% for the year, it is still down from its highs. Listeners are encouraged to consult a financial advisor before making any investment decisions. Timestamps: [00:03:08] Overall stock market performance. [00:04:14] Negative year in bonds. [00:07:53] Safe money in retirement. [00:11:08] Stock market corrections. [00:15:34] Tech stocks and buying opportunities. [00:19:26] Interest rates [00:22:13] Massive inflation caused by PPP loans and ERC credits. [00:26:05] Bonds as buying opportunities. [00:29:05] Laddered bond portfolios with high yields. [00:33:19] High yield bonds and risk. [00:36:09] Tax loss harvesting. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Tue, 3 October 2023
In this episode of "Joining Me Now" Chad & Rob discuss the complexities of the bond market and the differences between short-term and long-term bonds. Chad explains that bonds are essentially IOUs where investors lend money to the government or corporations in exchange for a rate of return. To gauge the performance of the bond market, Burton suggests looking at the total return of different ETFs. Timestamps: [00:02:14] Bond market performance. [00:04:00] Reinvestment risk and bond portfolio. [00:07:55] The vibe in the bond market. [00:11:32] Long-term care insurance. [00:14:20] Long-term care insurance complexities. [00:18:27] Spending habits and retirement. [00:21:20] Long-term care tax. [00:25:02] Inter-family reverse mortgage [00:29:13] Viatical settlements and life insurance. [00:33:09] FTX bankruptcy and Bitcoin. Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Thu, 28 September 2023
In this episode of New Focus on Wealth, host Chad Burton provides a market update and discusses the recent pullback in stocks and bonds. He shares the current numbers for the S&P 500 and highlights the comparison between the S&P 500 and the NASDAQ. Chad also mentions an upcoming event on retirement readiness and encourages listeners to sign up. Timestamps: [00:01:23] Market update and performance. [00:04:23] Stock market performance analysis. [00:09:21] Small cap stocks and recovery. [00:14:04] REITs and rising interest rates. [00:16:32] Real estate investment trusts. [00:21:06] Bond rates reinvestment risk. [00:25:00] Laddering Treasury bonds and corporate bonds. [00:30:57] Medicaid and Spousal Impoverishment. [00:32:41] Medicaid planning for nursing homes. [00:36:23] Planning for long-term care. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Thu, 14 September 2023
In this episode of "New Focus on Wealth," host Chad Burton provides a market update, discussing the resilient economy despite inverted yield curves and higher interest rates. He also touches on the topic of inflation, with the CPI coming in slightly higher than expected. The episode concludes with a discussion on the rise in energy prices, particularly oil prices reaching a new year-to-date high. Timestamp: [00:01:05] Inflation and interest rates. [00:06:56] REITs and their performance. [00:08:25] Real estate investment and office buildings. [00:12:26] ETFs and Index Funds [00:15:18] Weird math. [00:21:07] Where active management pays off. [00:24:06] Investing beyond index funds. [00:29:49] Asset location and tax efficiency. [00:32:08] Pay attention to your diet. [00:36:06] Probiotics for ADHD and depression. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Wed, 6 September 2023
In this episode, host Chad Burton provides a market update and discusses estate planning. He explains the importance of having a will, trust, power of attorney, and healthcare directive, and addresses the cost associated with these documents. Additionally, he shares that the S&P 500 has seen a rally with a total return of 18.36% for the year. Timestamps: [00:01:36] Market cap weighted index. [00:05:21] Weaker dollar and international positions. [00:08:22] Inverted yield curve. [00:11:22] Roth 401k and tax breaks. [00:17:06] Roth contributions and tax deductions. [00:19:07] What is an estate plan? [00:25:02] Power of attorney for digital assets. [00:26:09] Incapacity and healthcare directive. [00:30:55] Leaving money for kids. [00:34:06] Fully discretionary trust. [00:36:40] Financially screwing up kids. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Mon, 28 August 2023
In this episode, Chad & Rob discuss various finance and investment topics, including retirement and wealth preservation. Chad highlights the importance of being prepared for retirement and the potential consequences of not doing so. Chad also explains the significance of the CFP (Certified Financial Planner) designation and how it plays a vital role in managing portfolios. Timestamps: [00:01:31] The CFP designation. [00:05:23] Retirement planning complexities. [00:08:02] Social Security and retirement. [00:11:28] Taxes in retirement. [00:17:36] Long-term care planning. [00:19:03] Medicaid planning and spousal impoverishment. [00:22:24] A sausage grinder inheritance. [00:26:49] Phantom income in taxable accounts. [00:32:07] A successful retirement look. [00:33:19] Higher portfolio value investment options. Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Tue, 22 August 2023
In this podcast, Chad & Rob discuss the importance of budgeting in retirement. They highlight the risk of overspending in the early years of retirement, especially when faced with a market correction. Burton suggests using a baseline approach, such as living off 70-80% of current income, or looking at net income after taxes to determine retirement spending. He also mentions the need to account for healthcare costs, as retirees are responsible for their own healthcare until they reach 65 and become eligible for Medicare. Timestamps [00:02:18] Spending in retirement. [00:06:21] Safe cash withdrawal rate. [00:08:00] Retirement challenges and portfolio management. [00:13:24] Health and retirement planning. [00:14:13] Whitewater rafting and injuries. [00:19:31] Retirement savings statistics. [00:21:10] Social Security and retirement. [00:24:14] Asset location and tax efficiency. [00:28:04] The stock market's safety. [00:30:44] Retirement savings for low-income workers. [00:34:01] Making assets last in retirement. [00:37:15] Maximizing Social Security Benefits. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Mon, 21 August 2023
In this podcast, Chad & Rob, discuss the current earning season and its impact on the market. They note that while reports have been better than expected, there is still an overall earnings decline of the S&P 500. However, the S&P 500 has seen a 14.95% return, indicating a slight pullback from previous levels. The discussion also touches on the importance of comparing the S&P 500 to the Nasdaq. Tune in to gain valuable insights into the financial landscape. [00:02:20] Tech stocks and market performance. [00:04:18] Inverted yield curve. [00:08:51] The order of stock market returns. [00:11:35] Sequence of returns. [00:16:20] Shortcut mentality in wealth management. [00:20:07] Larger portfolios for retirement. [00:21:47] Portfolio design and alternatives. [00:25:07] Evolving retirement plans. [00:29:27] Financial planning in changing times. [00:32:02] Finding a retirement location. [00:36:22] Paying off mortgages vs. investing. [00:38:26] Should I stay retired? Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Thu, 17 August 2023
In this episode, Chad Burton and Rob Black discuss the retirement readiness test and their upcoming event. They also address what to do when a retirement plan fails, emphasizing the importance of seeking unbiased and fiduciary-based advice. Listeners are encouraged to attend the event for more in-depth knowledge on personal finance and wealth management. Timestamps: [00:02:28] Saving more for retirement. [00:04:21] After-tax contributions to Roth 401k. [00:07:12] Roth 401k changes. [00:13:06] Cutting expenses in retirement. [00:15:11] Investing for children's accounts. [00:20:31] Paying off non-mortgage debt. [00:23:32] Downsizing and moving in the future. [00:24:33] Retirement savings and downsizing. [00:29:07] Maximizing rental property income. [00:31:12] Expensive annuity contracts. [00:35:16] Expenses that retirees forget. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Tue, 15 August 2023
In this episode, Chad Burton discusses the importance of focusing on health in retirement. He emphasizes that while financial planning is crucial, it is equally important to prioritize one's physical and mental well-being. Burton shares personal experiences and observations from working with older clients, highlighting the impact that poor health can have on the enjoyment of retirement. He encourages listeners to invest in their health by exercising regularly, eating well, and taking proactive measures such as medical scans and tests to address potential health issues. Burton also discusses the various aspects of retirement planning, including budgeting for travel and hobbies. He emphasizes the need to consider both fixed and variable expenses, such as healthcare costs, home remodeling, and car purchases. The episode touches on the growing field of longevity and biohacking, with Burton cautioning against getting overwhelmed by the abundance of supplements and testing options available. Ultimately, he stresses the importance of finding a balance between financial planning and maintaining good health to ensure a fulfilling and enjoyable retirement. Timestamps: [00:01:29] The life plan and fulfillment task. [00:06:59] The cost of longevity. [00:08:29] Eating well and longevity. [00:12:41] Focus on your health. [00:15:57] Infrared sauna and cold plunge. [00:21:09] Full body scan issues. [00:24:11] Supplements and health focus. [00:28:00] Cognitive needs in retirement. [00:32:40] What retirement activities cost. [00:36:09] Longevity and biohacking. [00:37:52] Fulfillment in retirement. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Mon, 14 August 2023
In this episode, Rob Black and certified financial planner Chad Burton discusses the seven tests of retirement readiness. Chad breaks down each test and provides valuable insights and strategies for achieving a secure and fulfilling retirement. From the linear cash flow test to the tax test, Chad covers important considerations such as expenses, risk tolerance, tax planning, and more. Listeners will gain a deeper understanding of what it takes to be financially prepared for retirement and learn how to make informed decisions to ensure a comfortable and prosperous future. Rob and Chad delve into the seven tests of retirement readiness, offering ideas, hints, tips, and tricks for achieving a successful retirement. With a focus on personal finance, wealth management, and the economy, Chad provides valuable advice on topics such as unbiased advice, detailed expense tracking, risk tolerance, tax planning, and the importance of health and fitness in retirement. Listeners will gain valuable insights and practical strategies to help them make informed financial decisions and achieve their retirement goals. Timestamps: 00:02:30 Retirement readiness requires unbiased advice. 00:05:12 Travel costs have increased. 00:10:28 Retirement readiness requires careful planning. 00:21:07 Prepare for market downturns. 00:26:21. Tax planning is crucial in retirement. 00:34:48 Planning for retirement is crucial. 00:36:00 Focus on health in retirement. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Thu, 3 August 2023
In this episode, Chad Burton discusses the recent downgrade of the US government's credit rating by Fitch. He highlights the fiscal and political instability as the reasons for the downgrade. Despite the government's ability to borrow, the interest rates are increasing. Chad emphasizes the need for new leaders and term limits to address the country's growing debt, which currently stands at around 120 percent of GDP. Timestamps: [00:01:40] We need new leaders. [00:04:05] Strongest recovery of any. [00:08:30] Lower income and unfair treatment. [00:12:43] Inverted yield curve. [00:14:38] Rebalancing and bond strategies. [00:18:57] Large cap tech valuations. [00:24:11] Retirement portfolio allocation [00:28:30] Knowing your discretionary expenses. [00:29:21] Retirement and fulfillment. [00:35:09] Medicare part B premiums. [00:36:10] Linear cash flow model. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Fri, 28 July 2023
In this episode of "New Focus on Wealth," host Chad Burton discusses a range of topics, including UFO hearings, a potential mini-stroke by Mitch McConnell, and the discovery of a new room temperature superconductor. He also highlights the busy week of earnings reports for the second quarter. Stay tuned for the release of FactSet's earnings insight report on Friday. Timestamps: [00:00:54] UFO hearings. [00:04:12] Investing and retirement strategies. [00:08:09] Abusing the 1031 exchange. [00:12:26] Concentrated stock positions. [00:16:19] Highly concentrated stock position. [00:19:32] Selling covered calls for income. [00:23:44] Charitable remainder trust. [00:25:27] Charitable remainder trust and taxes. [00:29:01] Hedging highly concentrated stock positions. [00:32:13] Mental health and homelessness. [00:36:37] Passive income options. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Fri, 21 July 2023
In this episode of "New Focus on Wealth," host Chad Burton discusses the current state of the housing market and the impact of low mortgage rates. He highlights the benefits of holding onto properties with low-rate mortgages, as they can generate cash flow and make real estate investing easier. Chad also shares insights on the rental market in the Bay Area, emphasizing the importance of evaluating the potential income from rental properties against the costs involved. Tune in to gain a better understanding of the financial considerations surrounding real estate and mortgages. Timestamps: [00:02:41] Banks' Q2 earnings and provisions. [00:06:49] Nasdaq special rebalance. [00:08:11] Capital gains distributions in investments. [00:13:44] Transferring assets to new custodian. [00:19:27] Estate planning basics. [00:20:02] Estate planning basics. [00:25:45] Importance of power of attorney. [00:27:06] Taking care of kids in trusts. [00:31:11] Special Needs Trusts and Estate Planning. [00:35:37] Inheritance and estate planning. [00:38:10] Financial planning beyond portfolios. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Thu, 13 July 2023
In this episode of "New Focus on Wealth," host Chad Burton discusses the latest news on inflation and its potential impact on the Federal Reserve's actions. He shares that inflation rose at the slowest pace since March 2021, raising questions about the Fed's future decisions. Burton provides a weekly market update, highlighting that the S&P 500 has gained 16.58% so far this year. He also discusses bond market trends and the performance of the US aggregate bond index. Finally, Burton touches on the challenges faced by emerging markets. Tune in to get a comprehensive update on the current financial landscape. Timestamps: [00:02:27] Small and mid-cap stocks. [00:04:18] Tech stocks and earnings. [00:09:02] Earning higher interest rates. [00:12:58] Bonds and annuities explained. [00:16:41] Annuities and alternative investments. [00:19:24] Annuities and financial advisors. [00:23:07] Health care costs and financial planning. [00:28:26] Premium tax credits in retirement. [00:33:40] Roth conversion considerations. [00:35:07] Tax diversification for retirement. [00:37:30] Helping with taxes and withholding. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Fri, 30 June 2023
In this podcast, Chad Burton & Rob Black discuss the recent market activity and the performance of the NASDAQ. Despite the potential for recession, the market has seen a rebound, particularly in the tech sector. Burton emphasizes the importance of asset allocation and rebalancing in a diversified portfolio. He also discusses the attractiveness of tech stocks and the impact of artificial intelligence on investing. Furthermore, Burton highlights the similarities between the NASDAQ and the S&P 500 indexes. Timestamps: [00:02:15] When it drops hard, what a great time to buy. [00:06:07] Tech-heavy market index. [00:09:46] Market breadth and catch up. [00:11:15] Housing starts and market trends. [00:15:01] Reinvesting dividends for long-term growth. [00:18:27] Concentrated stock positions. [00:23:14] Concentrated stock and income strategies. [00:26:30] Exchange funds and diversification. [00:29:23] Rental property issues in California. [00:33:20] Real estate vs. stocks. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Mon, 26 June 2023
In this episode of the podcast "New Focus on Wealth," hosted by certified financial planner Chad Burton, the focus is on the stock market. Burton points out that the NASDAQ is up 33% for the year due to the market cap weighted tech-heavy index. However, if you look at the return from January 1st, 2022, to today, the NASDAQ is down 10%. He advises listeners to avoid FOMO and be cautious when making financial decisions. Burton shares that massive corrections are usually buying opportunities but cautions that most investors were already overweight in large cap growth. Timestamps: [00:02:19] NASDAQ explained and analyzed. [00:04:15] Tech stocks and valuation. [00:08:16] Tech stock recovery rally. [00:12:06] Small and mid cap struggles. [00:15:24] International developed outperforming the US. [00:19:02] High deductible health plans. [00:23:02] Medicare and retirement savings. [00:27:28] Tax-free retirement income. [00:31:11] Refinancing commercial loans. [00:35:05] Investing in T bills. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Fri, 9 June 2023
Miss the latest radio episode of New Focus on Wealth? No problem, listen now to catch up on the latest insight from Certified Financial Planner Chad Burton. In this episode, Chad analyzes the growing similarities between the makeup of the NASDAQ and S&P 500, noting the recent performance of both. Next, Chad describes the benefits of Health Savings Accounts (HSAs) and how to utilize them properly to take care of you in the golden years of retirement. Finally, listen to Chad talk about altering your tax strategy to set yourself up for lower federal taxes in retirement. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com
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Tue, 30 May 2023
Tune in for the latest from Joining Me Now featuring an extended episode that dives into tax strategies and how to approach a complex retirement plan with your CFP. Hosts Rob Black and Chad Burton talk about the first steps taken with new clients, such as identifying personal expenses, what you’re planning to do for fun, and finding your purpose in retirement. Chad explains how he takes this information to model various retirement scenarios, making it easier than ever to prepare for a successful retirement and provide a New Focus on Wealth. Also, hear about IRA to Roth conversions and handling concentrated stock positions. Listen now! Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Wed, 24 May 2023
On this episode of Joining Me Now, Rob and Chad talk about taxes, financial planning, wealth preservation, and more. Listen as Rob and Chad discuss the importance of working with a fiduciary and avoiding salesmen that don’t have your best interest in mind. Rob and Chad identify and break down the various steps to planning and executing a successful financial plan for you and your loved ones. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Wed, 17 May 2023
The latest episode of joining me now with hosts Rob Black and Chad Burton features a discussion on withdrawal strategies in retirement. Next, Rob and Chad discuss what yesterday’s 60/40 portfolio has evolved to in the modern age of retirement planning. Don’t miss the latest from Rob and Chad. Listen now! Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Mon, 15 May 2023
The latest episode of Joining Me Now covers the various tests that can help determine the likelihood of your finances successfully supporting your retirement. Rob and Chad take a question from a listener about inherited IRAs and identifying the best time to take the tax hit. Finally, Rob and Chad discuss why enabling your children with finances can be detrimental for everyone involved. Listen now! Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Wed, 3 May 2023
This episode of Joining Me Now with Hosts Rob Black & Chad Burton discusses the importance of conservative retirement planning, an analysis of the bond market, and evergreen topics on the wealth management cycle. Catch the latest from this dynamic duo and listen now. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Tue, 25 April 2023
Listen to the latest episode of Joining Me Now to hear the latest from Rob and Guest Host Chad Burton as they discuss the housing market, stock market conditions, and the opportunity to rebalance your portfolio. Listen now! Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Fri, 14 April 2023
The latest episode of New Focus On Wealth with Certified Financial Planner Chad Burton features a discussion on IRAs, managing the balance between supporting your children and prioritizing your retirement. Chad notes that 70% of parents with kids over the age of 18 have sacrificed their personal finances to help their kids. Don't miss the latest from Chad as he dives into these topics and more! Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Fri, 7 April 2023
Catch the latest from Certified Financial Planner Chad Burton as he addresses a question from a listener about whether or not it’s always better to wait until your 70s to take social security. Next, Chad compares stock market returns to real estate investments before diving into various ways you can take advantage of current tax laws with your real estate portfolio. Listen now! Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Fri, 24 March 2023
Listen to the latest from Certified Financial Planner Chad Burton as he provides his regular market updates before discussing all things involved in the world of wealth building and financial planning. On this episode, Chad answers questions from listeners on identity theft and retirement accounts, specifically describing how people who make too much money to fund a Roth can fund a Roth. Chad also revisits last episode’s discussion on FDIC Insurance. Listen now. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com
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Thu, 16 March 2023
The latest episode of New Focus On Wealth addresses misconceptions about FDIC Insurance after the collapse of Silicon Valley Bank. Next, Chad discusses the common misunderstanding about Life Insurance as an investment, noting how exposure to stocks in these accounts prevents you from being able to take advantage of dividends. Finally, Chad talks about long-term care insurance and how to weigh the pros and cons of keeping or losing your insurance in the case of increased rates. Don’t miss the latest from Certified Financial Planner Chad Burton. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Mon, 13 March 2023
This episode of New Focus On Wealth discusses bonds and the variables to consider with an inverted yield curve. Though short-term bonds currently yield a higher return, are they truly the best option? Get Chad’s latest market update on topics like safe money in retirement, tax planning, inflation, and much more. Listen now! Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Fri, 3 March 2023
Chad addresses one of the most important questions that we will face in our lives, “how do you know when you’re ready to retire?” Listen as this episode breaks down the various expenses to consider such as taxes, entertainment, and healthcare in the later stages of life. Listen now and familiarize yourself with the tests you can use to determine your readiness for a happy and successful retirement with Certified Financial Planner Chad Burton. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Tue, 14 February 2023
Joining Me Now Ep. 23: Why You Should Have 3 Years of Portfolio Draws Available in Cash for Retirement
Hear the latest from Rob and Chad’s ongoing discussion on all things retirement planning and wealth building. In this episode, Chad breaks down his belief in the importance of having 3 years of portfolio draws in cash readily available. Next, Rob seeks insight from Chad on sequence of returns during retirement. Listen now! Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Thu, 9 February 2023
Rob and Chad discuss rates of return and how long term investing can provide steady results, even when entering the market at less than ideal times. Check out the latest episode of Joining Me Now! Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Wed, 1 February 2023
Listen to the latest episode of Joining Me Now as Rob and Chad dive into the hot topics in the world of retirement planning. This episode features a discussion on safe money and balanced portfolios with Chad explaining how the meaning of a “balanced portfolio” has completely changed over the years to reflect the status of interest rates. Listen now! Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Wed, 1 February 2023
Listen to the latest episode of Joining Me Now as Rob and Chad dive into the hot topics in the world of retirement planning. This episode features a discussion on safe money and balanced portfolios with Chad explaining how the meaning of a “balanced portfolio” has completely changed over the years to reflect the status of interest rates. Listen now! Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Fri, 27 January 2023
On this edition of New Focus on Wealth, Chad talks about new legislation that allows people to save for retirement by making student loan payments. Don’t miss this episode as Certified Financial Planner Chad Burton gives you 40 minutes of retirement and tax planning insight to consider for 2023. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Fri, 20 January 2023
The latest episode of New Focus on Wealth features a conversation on health in retirement. Don’t miss this insightful episode with Certified Financial Planner Chad Burton as he goes over what he does to maintain a healthy lifestyle that allows him to enjoy the fruits of his labor as he plans for his own retirement. If you’re curious if you’re falling behind on your health, listen now! Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Thu, 12 January 2023
Listen to the latest episode of New Focus on Wealth where Chad explains how you can earn interest on your safe money and how much you need to afford your retirement. Click play and find your financial clarity with Certified Financial Planner Chad Burton. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Tue, 10 January 2023
Chad opens up 2023 with a discussion on retirement accounts and the change in legislation that allows you to push required minimum distributions to age 73. Next, Chad talks about gifting and how it relates to your tax situation. Start the new year off with an insightful discussion on retirement planning by listening to the latest episode with Certified Financial Planner Chad Burton. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Tue, 3 January 2023
How You Can Get a Head Start on Your Children’s Retirement Savings by Funding Their College Savings Account.
Don’t miss the final episode of 2022 as Chad dives head first into a discussion on what matters most to retirees, including an understanding of how markets fluctuate and why you should have 3 years worth of portfolio draws in safe money. Chad also goes over the various ways you can plan for your children’s future with College funding investment accounts that can be rolled into a retirement account in the event of a surplus. Don’t miss the final episode of 2022! Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Fri, 16 December 2022
Certified Financial Planner Chad Burton compares the last 5 years of stock returns to crypto. Next, a discussion on inflation and balancing 401k and Roth contributions. How much should you be putting in each account, and why? Listen now to hear the latest on these topics and more on New Focus on Wealth. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Fri, 9 December 2022
In this episode, Chad discusses why trying to time the market is a fool's game and what you don’t want to hear from someone you’re paying to help navigate your finances. What’s the truth about the relationship between stocks and bonds? Listen now for the latest insight on the hottest topics of financial planning with Certified Financial Planner Chad Burton. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Fri, 9 December 2022
In this episode, Chad discusses why trying to time the market is a fool's game and what you don’t want to hear from someone you’re paying to help navigate your finances. What’s the truth about the relationship between stocks and bonds? Listen now for the latest insight on the hottest topics of financial planning with Certified Financial Planner Chad Burton. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Tue, 6 December 2022
On this episode, Chad discusses Tax Loss Harvesting and how you can use a down market to your benefit. Tax season is right around the corner, don’t miss this episode! Listen now as Chad goes over topics that are crucial to not only your tax planning but your retirement plan as a whole. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Fri, 18 November 2022
Listen to the latest episode as Rob and Chad discuss tax planning for retirement and the new perspective retirees will have to adapt to as they move from building wealth to living off of it. Is your portfolio ready to make that transition? Listen now to find out! Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Mon, 14 November 2022
The latest episode of New Focus On Wealth featured a look around the market and a discussion on how to handle the economic turbulence that may be right around the corner. Listen now as Chad explains why panic selling is the worst thing you can do in a bear market. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Wed, 9 November 2022
Listen to the latest episode of Joining Me Now as Rob and Chad help you navigate through some of the commonly overlooked problems that occur with improper tax and estate planning. Are you putting you and your family in the best position to keep your hard earned dollars after retirement? Listen now to find out! Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Thu, 3 November 2022
Rob and Chad discuss what retirees are doing to maximize their enjoyment of retirement, noting that those staying busy and taking care of their diet and exercise are often happier than those who plan to retire earlier with no vision of what they want to do to keep them busy. Next, a discussion on preparing for health-related expenses in retirement and why you should account for a 5-6% cost increase year to year. Listen now to hear the latest on all things retirement-related from Rob and Chad! Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Wed, 2 November 2022
On the latest episode of Joining Me Now, Rob and Chad discuss building wealth for retirement and the various tools you can use to do so. High-interest savings accounts, bonds, and even mortgages are just a few of the tools broken down into detail. Listen now, and don’t miss out on the opportunities of today’s economy. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Mon, 24 October 2022
The latest episode of Joining Me Now, featuring hosts Rob Black and Chad Burton, addresses what those entering retirements are doing to address current market conditions and inflation. Listen now as this dynamic duo talks about transitioning your portfolio from the accumulation phase to the income phase. Which accounts do you draw from first? What can you do to protect yourself from downturns in the market? Listen now to find out! Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Fri, 21 October 2022
Listen to the latest episode of New Focus On Wealth to get the latest insight from Certified Financial Planner Chard Burton. On this episode, Chad talks about the importance of fighting the FOMO of popular meme stocks that may be trendy on social media. Next, Chad explains how market corrections are some of the most crucial events towards your long-term wealth building. Listen now! Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Wed, 19 October 2022
Check out the latest episode of New Focus On Wealth, where Chad gives his expert opinion on market conditions, what they mean for your future, and how you can take advantage of the buying opportunities. Don’t miss this episode as Chad leads a detailed discussion on bonds and how to take advantage of them! Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Sat, 8 October 2022
In this episode of New Focus On Wealth, Chad analyses the volatility of the bond market. Chad references similar volatility in the 80s as a hint of what may come. Next, find out why current conditions are a prime example of why Chad urges his clients to have three years worth of portfolio draws in Cash. Hit play now! Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Wed, 5 October 2022
Listen to the latest episode of New Focus On Wealth as Chad dives into the massive buying opportunity that the current economy presents for your portfolio, no matter how far along your retirement planning is! Don’t miss this episode during one of the better buying opportunities we could see for years. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Mon, 26 September 2022
In this episode of New Focus on Wealth, Chad discusses the importance of investing as early as possible, especially when prices are lower. Next, Chad discusses how diversification has made it easier to navigate through market turmoil. Have you ever wondered where an advisor is supposed to add value to your finances? Listen now as Chad identifies exactly where that value should be coming from. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Thu, 22 September 2022
Listen to the latest episode with hosts Rob Black and Chad Burton as they discuss the most pressing topics for retirees. What changes may you need to make to your estate planning to be grandfathered in when laws change? Have we seen the floor for inflation and taxes for the next decade? Press play and listen to Rob and Chad break down the questions you may not even know you have about retirement! Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Tue, 20 September 2022
Listen to the latest episode of Joining Me Now as Rob and Chad discuss the importance of navigating through retirement with health in mind, financially, and for your mind and body. Next, Rob shines a light on the importance of separating the social climate from your investment strategies and how failing to do so can increase the likelihood of missing out on some of the best opportunities. Get the latest info on all aspects of retirement. Listen now! Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Thu, 15 September 2022
On this episode, Rob and Chad discuss the things to do before you hire a certified financial player. Listen now as this dynamic duo dives into the differences between product-based brokers and Certified Financial Planners, and how the value of a CFP is truly unmatched. If you’ve been wondering when to take action with a CFP, this is one episode you won’t want to miss! Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Wed, 14 September 2022
Rob and Chad team up once again to talk about the most pressing financial topics of 2022, including inflation and how it’s affecting retirees. Listen to essential conversations regarding cash flow projection models and how you can structure your tax situation to take advantage of lower taxes once you are forced to draw from your retirement accounts. If you still have questions about retirement, this episode is a great place to start. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Thu, 8 September 2022
Listen to the latest episode of New Focus on Wealth as Certified Financial Planner Chad Burton talks about the topics that are most important to your money matters. In this episode, Chad talks about current market conditions, why we’re nearing peak inflation, interest rates, and planning for healthcare costs in retirement. Listen now! Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Fri, 26 August 2022
In this Episode of New Focus on Wealth, Chad talks about everything from Crypto to long-term stock investing. Chad goes over how the 70/30 rule has held for decades and how you can leverage current market conditions to rebalance your portfolio. Listen now to hear what Chad has to say on some of the most critical topics to your portfolio. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Fri, 19 August 2022
After a brief look around the market, Chad talks about Asset Allocation and how you can use it to save money on taxes. Next, Chad answers questions from listeners, including one regarding umbrella coverage. Chad notes the rule of thumb is two times your net worth minus your retirement accounts. Chad also notes he’s never seen a client need umbrella coverage during his 29 years in the business. Next, Chad goes over options trading and his opinion on using it to build wealth. Don’t miss this episode! Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Thu, 11 August 2022
On this episode of New Focus on Wealth, Chad provides a market update before moving into a question from a listener regarding dependents, taxes, and their Roth IRAs. Chad goes over the proper procedure for using tip money to fund a retirement account. Next, Chad goes over how to get started in investing for free and the importance of getting started early in life. Don’t miss this episode! Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Thu, 28 July 2022
On this episode, Chad gives a brief market update before moving on to the fifteen things you should do before hiring a financial advisor. A little behind on your retirement savings? Chad notes how to get back on track. Starting with a simple budget, Chad explains the 15 things you can do to build a foundation of financial awareness before taking steps to find the right advisor for you. Don’t miss this 37-minute episode jam-packed with the steps you can't afford to skip! Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Fri, 22 July 2022
On this episode of New Focus On Wealth, Chad goes over the outlook for new retirees during a period of high inflation. Don’t miss this episode as Chad talks about taxes, interest rates, and inflation. Despite recent market performance, Chad expresses optimism with expectations for growth over the next 10 to 20 years, listen now to find out why. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Tue, 12 July 2022
Listen now as Chad discusses everything from inflation to the differences between mutual funds and ETFs! Chad gives his take on how close he thinks we are to peak inflation. Listen to the end to hear special guest Rob Black join the show to go over market performance and the buy and hold philosophy for retirees. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Wed, 6 July 2022
In this episode of New Focus On Wealth, Chad goes over the performance of differently structured portfolios over the past year, noting one of the worst years for balanced portfolios in recent history. Chad notes the importance of consistently buying and broadening your exposure to small-cap, mid-cap, large-cap, emerging markets, and real estate. Don’t miss this episode as Chad identifies an opportunity of a lifetime for building wealth. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Fri, 24 June 2022
Listen to the latest episode of New Focus On Wealth as Chad breaks down the tests you should take to prepare for a happy retirement. Chad dives into various aspects of retirement planning from the linear cash flow model to planning for long-term health care costs. Feeling a little unsure about the state of your current retirement planning? Listen now as Chad identifies the 7 tests you can use to identify weaknesses in your current planning. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Thu, 16 June 2022
On this episode of New Focus on Wealth, Chad talks about the current state of the market, why crypto is indeed here to stay, key considerations for new and recent retirees, and the one thing you should avoid doing right now to maximize your portfolio for the long haul. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |
Fri, 3 June 2022
On this episode of New Focus On Wealth, Chad talks about how to approach the bond market vs the stock market, noting that you can enter into the stock market with long-term plans less cautiously than you can with the current bond market. Next, Chad talks about the 4 stages of retirement and the trouble you can find with a college fund when set up incorrectly. Email your money question to chad@chadburton.com. Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com |