As society continues to move faster we have found the slow nature of golf to be far less appreciated than it once was. Today Kym chats with John McGuire who is bringing in a newer and younger generation of golfers with Game Golf. John tells us how his wearable device works through motion sensors and GPS. We also learn how Game Golf is increasing social media engagement between amateur and pro golfers by tracking shots and recording stats that are easily comparable.  John then announces a partnership that will help him create more high tech clubs.

There's still time to register for our 10 Pillars of Retirement seminar on January 28th at the Elks Lodge in Palo Alto. Rob Black, Michelle Lerman and I will explain several issues that will increase your chances at an enjoyable retirement. Tickets are only $5 and begins after work at 6:30 p.m. tonight, so click HERE to sign up!

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 Apple reporting its best profit ever despite dwindling iPhone sales and overall growth. I explain how energy related stocks like oil can make the entire S&P 500 look bad. I then give a quick synopsis of the topics that Rob Black, Michelle Lerman and I will expand upon at this Thursday’s 10 Pillars of Retirement seminar. Most people don't even know about the 4% withdrawal guideline, let alone the fact that it is in danger. I also tell you what you need to with your CPA about as you prepare for taxes.

Don't forget to register for our 10 Pillars of Retirement seminar on January 28th at the Elks Lodge in Palo Alto. Rob Black, Michelle Lerman and I will explain several issues that will increase your chances at an enjoyable retirement. Tickets are only $5 and begins after work at 6:30 p.m. this Thursday, so click HERE to sign up!

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 Michelle Lerman calls in and tells us the story of a major retirement account beneficiary form mistake. Michelle also gives us some great advice on how to handle estate planning with digital assets such as Facebook. I give an overview of what to expect at Thursday’s seminar and break down why oil is creating global uncertainty. Does the sell-off in oil remind me of the 2008 credit crisis? I also talk about 529 plans and how grandparents unknowingly have a negative effect on the FAFSA application. Don't make mistakes when helping to save for college! I also cover an article about active investing in this recent downturn and give some advice to a caller whose daughter wants to invest $5,000, but doesn’t know where.

Don't forget to register for our 10 Pillars of Retirement seminar on January 28th at the Elks Lodge in Palo Alto . Rob Black, Michelle Lerman and I will explain several issues that will increase your chances at an enjoyable retirement. Tickets are only $5 and begins after work at 6:30 p.m. this Thursday, so click HERE to sign up!

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 welcomes celebrity designer Marissa Kenson into the studio today and finds out how MK Collab is shaking up the fashion industry. Marissa tells Kym about launching her fist line of apparel in 1983 and changes to marketing strategies she makes to keep up with today’s demand. Kym asks how working with celebrities like the Real Housewives evolved into e-boutique’s. Marissa then explains how MK Collab makes it easy for anyone to become an e-boutique owner and allows owners to connect with buyers. They also talk about cyberhoods and the future of network marketing.

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)

Don't forget to register for our 10 Pillars of Retirement seminar at the Elks Lodge in Palo Alto . Rob Black, Michelle Lerman and I will explain several issues that will increase your chances at an enjoyable retirement. Tickets are only $5 and begins after work at 6:30 p.m. on Thursday, January 28th so click HERE to sign up!

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.

Encore edition

I express frustration over reporters who act like they are calling market ups and downs, persuading many to mess with their portfolios when they have zero experience in the business. I then go through a “laundry list” of things that need to happen before we see stabilization in the stock market; focusing on Chinese currency stability and an end to their government intervening, Apple's explanation for the slowdown in suppliers and oil causing uncertainties in many companies.

I also respond to several listeners emails:

• Howard asks if REITs and dividend paying ETF’s are bond replacements.
• Michelle has 403B and works and lives in California with plans to retire in Nevada. She wants to know what will happen to the state income taxes she has deferred.
• Aldo asks if I would recommend a revocable living trust to protect his assets when he has no wife or children.
• If couple draws from social security, interest on cd’s and tax free bonds, and annual stock dividends, is social security taxable at state and federal level?

Don't forget to register for our 10 Pillars of Retirement seminar at the Elks Lodge in Palo Alto . Rob Black, Michelle Lerman and I will explain several issues that will increase your chances at an enjoyable retirement. Tickets are only $5 and begins after work at 6:30 p.m. on Thursday, January 28th so click HERE to sign up!

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 China's currency manipulation as well as some commentary from bond investor Bill Gross who is encouraging exposure to developing markets due to the difference in demographics vs. the USA. Last week I learned of the untimely death of a high school friend which prompts the discussion of protecting your family in the event of an early death or disability.

I also respond to the emails of several listeners:

• Can fiancée's creditors come after you after you get married?
• Setting up and funding a Backdoor Roth IRA.
• Self employed people using a combo defined benefit/401k plans to put a ton of money away pre-tax and fund huge Roth IRA's.
• Protecting your credit when you cosign for a loan and the other person stops making payments
• Is it wise to pay off your condo, or should you rent it out and live elsewhere while interest rates are still low?
• Holding on to long term care insurance.

Don't forget to register for our 10 Pillars of Retirement seminar at the Elks Lodge in Palo Alto . Rob Black, Michelle Lerman and I will explain several issues that will increase your chances at an enjoyable retirement. Tickets are only $5 and begins after work at 6:30 p.m. on Thursday, January 28th so click HERE to sign up!

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.

Encore edition

Today Kym gives us a full wrap up of the top innovations from last week’s Consumer Electronics Show in Las Vegas. First Phil McKinney calls in and he and Kym discuss which companies they found to be the most exciting such as Phone Soap, an LED phone sanitizer and wearables with Bluetooth headphones incorporated from Ashley Chloe.

Then, Extreme Tech Challenge judge and investor Veronica Serra calls and gives us her thoughts about the three companies chosen to pitch to Sir Richard Branson.

Kym also chats with Eric Dy of Bloom Technologies which makes a wearable that tracks contractions during your third trimester. She finds out how he got the idea to start taking guesswork out of pregnancies, as well as other factors he is looking to track to reassure mom her pregnancy is normal.

Finally Kym wraps up with Chris Crescitelli on the most anticipated news from CES, virtual reality. Chris talks about the battle between the Oculus Rift and the HTC Vive and how they can stay out of a niche market with sensory overload and headaches being a problem.

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)

Don't forget to register for our 10 Pillars of Retirement seminar at the Elks Lodge in Palo Alto . Rob Black, Michelle Lerman and I will explain several issues that will increase your chances at an enjoyable retirement. Tickets are only $5 and begins after work at 6:30 p.m. on Thursday, January 28th so click HERE to sign up!

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.

Retirees sometimes consider a move to a no-income-tax state. But they need to consider whether their new home state has an estate tax. Chad Burton, CFP^®, and Rob Black discuss options to protect your estate.

Commercial-Free

Today I discuss China's currency manipulation as well as some commentary from bond investor Bill Gross who is encouraging exposure to developing markets due to the difference in demographics vs. the USA. Last week I learned of the untimely death of a high school friend which prompts the discussion of protecting your family in the event of an early death or disability.

I also respond to the emails of several listeners:

• Can fiancée's creditors come after you after you get married?
• Setting up and funding a Backdoor Roth IRA.
• Self employed people using a combo defined benefit/401k plans to put a ton of money away pre-tax and fund huge Roth IRA's.
• Protecting your credit when you cosign for a loan and the other person stops making payments
• Is it wise to pay off your condo, or should you rent it out and live elsewhere while interest rates are still low?
• Holding on to long term care insurance.

Don't forget to register for our 10 Pillars of Retirement seminar at the Elks Lodge in Palo Alto . Rob Black, Michelle Lerman and I will explain several issues that will increase your chances at an enjoyable retirement. Tickets are only $5 and begins after work at 6:30 p.m. on Thursday, January 28th so click HERE to sign up!

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 the overall flat day on the market for Wall Street as European stocks close at their lowest since September and energy companies (taking the biggest hits) overall pulling down the index. I then explain why you should have a positive outlook on 2016 as central banks may finally be recognizing they have been over involved in economy. Other topics for discussion include:

• Alternative investment strategies such as long/short hedge funds
• Critical dates for retirees
• Is your retirement plan adjusted for inflation?
• Rebalancing points in your portfolio

I also take a call from Michael who asks if he should keep his long term care policy he bought from GE after it has been bought by another company.

Don't forget to register for our 10 Pillars of Retirement seminar at the Elks Lodge in Palo Alto . Rob Black, Michelle Lerman and I will explain several issues that will increase your chances at an enjoyable retirement. Tickets are only $5 and begins after work at 6:30 p.m. on Thursday, January 28th so click HERE to sign up!

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 is joined in studio by Noel Lee, the Founder and CEO of Monster. Kym finds out everything that has led Noel to his present day success; from his parents emigrating from China to his first job as an engineer at Lawrence Livermore Labs. Noel then tells Kym how he left his engineering job to go on a tour with his band, ultimately leaving him broke and unemployed. He also tells her about how his love of reproducing music led to the first Monster cable before talking about his relationship with Dr. Dre and why Monster is suing Apple Beat’s.

Finally Noel reveals some exciting new products Monster will be revealing at the Consumer Electronics Show in Las Vegas including a Cristiano Ronaldo line of high end headphones.

Don't forget to register for our upcoming seminar at the Elks Lodge in Palo Alto on Thursday, January 28. Click HERE to sign up!

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.

I open today’s show by talking about how municipal bonds outperformed other strategies in 2015. I go over some financial New Year’s resolutions I feel many people need to focus on including why you should rebalance your portfolio at least once this year. I then talk about the new budget deal that allows people to roll over required minimum distribution’s from IRA’s to charities and the new rules that allows employers to let workers make in plan conversions from their 401k to their ROTH 401k.

I also respond to emails: Brian's elderly aunt has been taken advantage of financially by other family members and he wants to help protect her assets; and Adam who wants to know the best way to leave his son a house and his daughter his IRA in trust.

Don't forget to register for our upcoming seminar at the Elks Lodge in Palo Alto on Thursday, January 29. Click HERE to sign up!

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 talk about the large drop in the Shanghai index spilling over to our market on the first day of trading in 2016. I discuss whether or not junk bonds may cause the next big economic crisis. I also explain why I think these seminars that coach people to cash in their retirement accounts to buy index life insurance are criminal.

Other items for discussion:

• Rant on people who pitch retirement scams where insurance agents tell half truths.
• Taxes on indexed universal life insurance, 401ks and IRA’s.
• How indexed universal life insurance can disappoint.
• Two scenarios where universal life insurance policies work as a bond alternative for the very high income earner or the wealthy person that does not need their IRA.

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.