1099’s and W-2’s are arriving in the mail which is a sign that tax season is approaching along with phone and email scams. Why you should be more skeptical as companies such as Turbo Tax may be adding more "offers" to their software. You also need to be aware of permanent life insurance and other products not meant for people still building a financial base. Other topics include:

• Why buy term and invest the difference
• How much do you have to earn if you didnt invest in a 401k
• How much you need to have saved for retirement at each stage of life
• Why retirement planning isn't a single date in the future
• Best accounts to teach your children about saving and investing
• How advisors can add Tax Alpha

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

We are starting to see some volatility after the market sees 8 straight negative days; are we due for a bear market or are we due for a long term bull thanks to technology and innovation? Today I also rants about my thoughts on how our government measures our economy with GDP. Is it even close to accurate? Other topics include:

• Real estate prices have gone up, but rates are still low – is now time to move up?
• Understanding REITs and correlation to interest rates
• Auto loan debt and leasing cars
• Top two most important issues when updating your estate plan

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 start out by covering an article from Kiplinger on the 15 most overlooked tax deductions. I also explain the pros and cons of health savings accounts, who they work best for and how you can use them after retirement. What is the truth behind investment events that are meant to hype you up for one product? What actually happens when you buy into ‘get rich quick’ investment events that only hype a single product? Other topics include:

• Trader mentality vs. dividend achiever mentality – who wins in the long run?
• How much money should you have saved for retirement at different stages of life
• Calculating your actual retirement number
• Annuities –which are good and which are not

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.

We’re in the heart of tax season and the April 18th deadline is approaching quickly. Today I remind you what filing an extension does and does not allow you to do and to be aware of increased IRS scams and identity theft attempts. You may have sensitive documents in your email that hackers will want. I also discuss funding Backdoor Roth IRA’s. Other topics include:

• Debunking the Trump budget misinformation and economic numbers
• Questions to ask before rolling over your 401k
• Reducing taxes on Inherited Stretch IRA’s
• Alan has too much cash, a large IRA and doesn’t want to take RMD’s –what are his options?
• Strategies for Liz and her husband to consider before they take time off following the birth of their child

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.

Is asset class more important than sector allocation? Today I walk Amanda through the general in's and out's of investing highlighting which factors need the most consideration. I also share common IRA, 401k and trust beneficiary mistakes that can really hurt. Roth 401k vs. Roth IRA -which one is best?

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.

How do interest rates and credit cycles affect the economy? With improved market numbers and rates finally starting to rise, how will the Federal Reserve act under Trump? The situation of one woman showcases this nasty social security side effect of divorce. What is a collaborative divorce, how does it work and when does it not work? I also discuss Backdoor Roth IRA strategies and this retirement IQ survey by Fidelity –is your financial IQ on track?

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 4% rule is largely considered to be the gold standard of the financial industry. However it should not be the end all and be all since credit and inflation cycles can affect this rate and you should constantly track your cash flow projections in retirement. So what should your retirement review look like?  Later on Rob Black sits in to discuss the slight pull back in the market after a strong February as we await Donald Trump’s speech tonight on the economy. What will investors be listening for? Will he be able to keep his deregulatory promises? Rob also breaks down numbers from the new Case-Shiller home price index and some big problems lying within them.

Join Rob Black, Michelle Lerman and I at our retirement seminar this Thursday, March 9th, starting at 6:30 p.m.  at the Toll House Hotel in Los Gatos. Use the code radio25for free entry. 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

Where are we right now in the market compared to last year when we were in an earning recession? Can the Trump administration deliver on post-election expectations quick enough for the market? S&P 500 reports growth in 10 of 11 sectors with tech and real estate reporting revenue growth above estimates since Q4 2016. I also explain why you are hearing more about the real estate sector right now and different subsectors inside real estate. Other topics include:

• Revenue and where it comes from in S&P 500
• Bob currently has 2 unconstrained bond funds and is not sure what bonds funds he should be in
• Hedging portfolios
• Estate planning in the Trump administration
• Digital assets
• An odd story about someone who forgot to check their mail and now it’s costing them $80 million and counting

Join Rob Black, Michelle Lerman and I at our retirement seminar this Thursday, March 9th, starting at 6:30 p.m.  at the Toll House Hotel in Los Gatos. Use the code radio25for free entry. 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.