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.