Today the DOW closed above 19,000 –Is now the time to sell? I breakdown previous market highs and lows and review the makeup of the DOW vs the S&P 500. What two factors generally hurt large cap companies, but have caused small and mid cap stocks to rally the past 13+ days? Other topics include:

• Investing in international stocks despite Trump trade agreement scares
• Lower taxes and the growing concern regarding under-funded state pensions may affect the attractiveness of tax free municipal bonds
• Long term care insurance options
• ‘Tis the season for making the most out your donations. Gifting appreciated stock to charities and other strategies to consider as the holidays roll in
• IRA’s –What you can and can’t do now and what strategies are likely to change 

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

Interest rates have jumped since the elections, which means it’s time to review the bond choices in your 401k. But what are your options if your 401k choices are awful? I explain how you may have the ability to create a Fidelity BrokerageLink account inside your 401k or do an in-service 401k rollover. How are REITs being affected in today’s market? Other topics include:

• What is the best corporation to form to reduce taxes when you have no other employees?
• Tax saving strategies and other reasons to meet with your CPA before year end.
• Which dividend stocks would I buy and hold forever?
• Investing in the stable value fund of your 401k when receiving RMDs

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

Should fear keep you hiding behind “safe” companies? Rob Black reminds us to plan with these financial golden rules in mind and cut down on mistakes. Do not become another person who regrets not planning their retirement early enough. Other topics include:

• Dealing with disagreeable markets
• Interest rates, taxes and more –Can you truly afford a home?
• How your career translates to your retirement
• Budgeting your way to retirement

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.

Thanksgiving Encore

Today the DOW closed above 19,000 –Is now the time to sell? I breakdown previous market highs and lows and review the makeup of the DOW vs the S&P 500. What two factors generally hurt large cap companies, but have caused small and mid cap stocks to rally the past 13+ days? Other topics include:

• Investing in international stocks despite Trump trade agreement scares
• Lower taxes and the growing concern regarding under-funded state pensions may affect the attractiveness of tax free municipal bonds
• Long term care insurance options
• ‘Tis the season for making the most out your donations. Gifting appreciated stock to charities and other strategies to consider as the holidays roll in
• IRA’s –What you can and can’t do now and what strategies are likely to change 

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.

Interest rates have jumped since the elections, which means it’s time to review the bond choices in your 401k. But what are your options if your 401k choices are awful? I explain how you may have the ability to create a Fidelity BrokerageLink account inside your 401k or do an in-service 401k rollover. How are REITs being affected in today’s market? Other topics include:

• What is the best corporation to form to reduce taxes when you have no other employees?
• Tax saving strategies and other reasons to meet with your CPA before year end.
• Which dividend stocks would I buy and hold forever?
• Investing in the stable value fund of your 401k when receiving RMDs

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.

Where has the stock market taken us since Black Monday in 1987, almost 30 years ago? Rob Black looks back at what we have gotten from corrections and why your 401k among other investments make for a long term game. Other topics include:

• Fixing social security
• Value Line –Investment research firm that provides data on individual stocks
• Reevaluating your insurances
• The next economic downturn

There's still time to sign up for the Retirement and Wealth Planning Seminar tonight at the Elks Lodge in Palo Alto. Admission is only $5. 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

Paul Ryan is reconfirmed as Speaker of the House, but has a drastically different outlook on trade than Donald Trump. How will trade agreements and emerging markets be attacked in the future? I also provide a quick rundown of what will be discussed at this Thursday’s 10 Pillars of Retirement seminars such as fighting IRA traps. Our Wealth Management provides more details on how to set up and balance portfolios in a way that manages your risk and downside. Other topics include:

• How Trump might change retirement for Americans
• Junk bond ETF’s and my fears of liquidity
• Post-election markets that are getting hit hard

Join Rob Black and I at one of our retirement workshops at the Elks Lodge in Palo Alto this Thursday. Admission is only $5 to learn about current market conditions, retirement planning issues and estate planning strategies. 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.

The market has taken some interesting ups and downs since the elections. Even though the DOW is at all-time highs I breakdown sectors that have gained v. those that have declined. I answer the one question you’ve probably been asking yourself “Do I need to change my portfolio based on a Trump presidency?” Other topics include:

• 8 Things you should do before the end of the year; even with Donald Trump as the new President
• The dangers of using public Wi-Fi and the correct way to send financial information to your mortgage broker
• Top rated 529 College-Savings Plans by Morningstar

Join Rob Black and I at one of our retirement workshops at the Elks Lodge in Palo Alto this Thursday. Admission is only $5 to learn about current market conditions, retirement planning issues and estate planning strategies. 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.

Emotions are running high around the country since Donald Trump has beaten Hillary Clinton in the White House race. Rob Black attempts to calm the waters by looking at other Presidents who were supposed to destroy the country and what the middle-right could bring to the table. Other topics include:

• 4th quarter volatility and sectors that are likely to experience economic in 2017
• Not getting sucked into holiday debt
• A listener going through a divorce asks if he should refinance his adjustable rate mortgage
• Should we expect a market collapse now that Trump is president?

Join Rob Black and I at one of our next retirement workshops at the Elks Lodge in Palo Alto. Admission is only $5 to learn about current market conditions, retirement planning issues and estate planning strategies. 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.

What will happen to the market tomorrow when the election is over? Candidates need to step up and address the big tax issues that are keeping our nation back. Other topics include:

• Recent revenue and healthcare growth -Can it continue?
• How do you take the emotion out of investing and avoid mistakes?
• Long term view of the market and your financial planning process
• 18 Reasons Americans Are Afraid to Retire

Join Rob Black and I at one of our next retirement workshops at the Elks Lodge in Palo Alto. Admission is only $5 to learn about current market conditions, retirement planning issues and estate planning strategies. 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.

Holiday season is around the corner and the kids will be coming home. Take advantage of this time to do more than just catch up, educate them about money mistakes to avoid and help set them on the path to proper saving. The Department of Justice rolls out new rules trying to get bad annuities out of the 401k rollovers market all while pushing indexing and ETF investments instead. Other topics include:

• Harry calls in asking how his daughter should be setting up her 403B
• Peter (36) owns two life insurance policies and wonders if this is too much. What else does he need to consider when he reviews his insurance?
• The FBI won’t charge Hillary Clinton and the market responds. Will a Trump or Hillary win really matter in the long run?

Join Rob Black and I at one of our next retirement workshops at the Elks Lodge in Palo Alto. Admission is only $5 to learn about current market conditions, retirement planning issues and estate planning strategies. 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.

Should fear keep you hiding behind “safe” companies? Rob Black reminds us to plan with these financial golden rules in mind and cut down on mistakes. Do not become another person who regrets not planning their retirement early enough. Other topics include:

• Dealing with disagreeable markets
• Interest rates, taxes and more –Can you truly afford a home?
• How your career translates to your retirement
• Budgeting your way to retirement

Join Rob Black and I at one of our next retirement workshops at the Elks Lodge in Palo Alto. Admission is only $5 to learn about current market conditions, retirement planning issues and estate planning strategies. 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.

United Way used to be the largest charity in the United States. That honor now belongs to Fidelity Charitable who is changing the way Americans give with the use of tax-friendly donor-advised funds. What is the best way to gift appreciated stock? Other topics include:

• Where should your allocate your 3 years of safe money?
• Using your IRA Required Minimum Distribution to make a gift to charity
• Reducing 401k fees within your businesses
• More nightmarish investing mistakes

Join Rob Black and I at one of our next retirement workshops at the Elks Lodge in Palo Alto. Admission is only $5 to learn about current market conditions, retirement planning issues and estate planning strategies. 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.