Today I discuss retiring outside of California as it becomes more of an issue for people to make ends meet when they stop working. Other topics include:

• The best states to live in retirement.
• How to prepare when your retirement is dependent on your home sale.
• Why you should be wary of contributing to a Roth IRA later in life.
• What is The Savers Tax Credit and how is it different from a tax deduction?
• 15 steps to create a solid financial base.

Tate calls in and asks if he should keep his term life insurance policy when he no longer has any dependants to cover.

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Today Kym talks with multiple company founders about the products they have come up with and the holiday deals they are offering this year. This includes:

• Jennifer Clary (BabyBoxCo.com) brings the baby box tradition that helped Finland achieve the lowest infant mortality rate to US.
• Catalina Girald (Naja.co) creates a line of lingerie that is free of cancer causing chemicals and is also environmentally friendly. They also talk about her “Underwear for Hope” fund where all lingerie purchases directly help under-privileged women around the world.
• Chris Boyle (SoloShot.com) invents a robotic camera that tracks you through a worn tag, automatically panning, tilting and zooming to keep you in shot up to 2,000 ft. away.
• Constantin Bisanz (Aloha.com) starts a supplements company that makes healthy living affordable and simpler to understand with his team of nutritionist and experts.
• Lynn starts an app called Hooch which offers one free drink a day to members, ultimately helping them find fun, new places to visit.
• Jamie Morea (Hyperbiotics.com) makes a daily wellness probiotic with a controlled release delivery system that works more efficiently throughout your digestive system.
• Luke comes up with Sweet Jar, an app that allows you to fill a jar with your favorite and new candies before having it delivered to you or a friend.

To have your questions answered by Kym and her guests call 1-800-516-1220 on Thursdays from 2:00-3:00 p.m. (PDT)

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Today I discuss several market stories including S&P’s best week after an overall flat year and the imminent rate hike from Feds. Pfizer merges with Allergan, moving their headquarters to Ireland as a tax-saving strategy. I explain how to give back using appreciated assets and donor-advised funds. James from Piedmont calls in with some comments on the shareholders involved in the Pfizer and Allergan deal. Maximizing social security benefits by phasing into retirement. Reasons to invest in a living trust. I also go over some “Plan B” retirement options and give some advice to Cindy who is considering a 15 year mortgage at age 50.

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.