Stocks, bonds and real estate are up, but low rates are presenting significant issues for retirees. I explain the Monte Carlo simulation technique used to understand risk of failure and dissect retirement income strategies that may get you through a low rate environment. Other topics include:

• Considering HSA plans
• I present different scenarios to a listener concerned about his fathers’ reverse mortgage strategy
• IRS scams, cyber security and password protection
• Using reverse mortgages in a retirement plan
• Email asking which stocks I own

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.

Does it really matter who wins the presidential election? Both candidates have major faults that are causing uncertainty, but which two groups of voters bear the most risk going into the election and what should their plan be? Other topics include:

• Donald Trump taking advantage of NOLs (Net Operating Loss), one of our major tax code flaws
• An article about overseas values and global asset allocations
• Taxable investment accounts vs. 529 plans
• How to save for a college education and other college costs

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.