Yesterday’s flip-of-the-switch positive to negative move was a prime example of what has been driving the recent rapid volatility increase; investor Alzheimer’s. Investors have gotten so used to going from bottom left to top right that many have forgotten what a normal market looks like, but is the stock market really that bad? Other topics include:

• Putting slowed growth in perspective
• Year-end tax projections
• Logical and illogical fears driving the 2019 & 2020 market
• Maximizing benefits from medical expenses
• Preparing your portfolio for retirement in a down market

You’ve set goals for investing . . . so now what? Now is the time to learn a bit more on wealth accumulation and what to do after your 401K. Join me on Saturday, November 17th at the Rotary Summit Center in San Jose. Click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Bloodbath, plummeting, rapid decline. These are the words the media uses to destroy your confidence in the stock market. The trade issues are causing a slow down so earnings growth expectations for 2019 and 2020 are in question. Yes the NASDAQ is in "correction" but is still positive for the year. The S&P and Dow have merely lost the gains for the year. Other topics include:

• What to do during a correction
• Delaying retirement by just 1 year
• Midterm elections
• Self employed and catching up on retirement planning
• Defined Benefit Plans and Mega Roth for the self employed

You’ve set goals for investing . . . so now what? Now is the time to learn a bit more on wealth accumulation and what to do after your 401K. Join me on Saturday, November 17th at the Rotary Summit Center in San Jose. Click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Sales took a major hit after Trump said he would support a boycott of Harley Davidson if they moved some production overseas to sidestep EU tariffs. While sales themselves are not shrinking, margin costs are and all fingers point to trade issues. Are we still meeting our expected Q3 growth numbers despite higher costs? Other topics include:

• I convince Mark to not jump out of the market even if the bull market is over
• What to do if a market correction is around the corner
• Cryptocurrency calls from Nouriel Roubini
• Start filling out your FAFSA forms!
• Funding retirement plans before college funds

You’ve set goals for investing . . . so now what? Now is the time to learn a bit more on wealth accumulation and what to do after your 401K. Join me on Saturday, November 17th at the Rotary Summit Center in San Jose. Click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Uber could go public next year and Lyft announces a subscription plan at discounted prices. Is ride sharing cheaper for commuters after you factor in insurance, gas and auto payments? I also look at mixed Q3 returns and the decrease in US home construction and affordability. Other topics include:

• Canada legalizing recreational marijuana
• Americans planning to increase itemized charitable deductions
• International investing- why you do it and why you buy when it’s down
• Comparing scholarship funds
• Common things people don’t ask for help with on their financial plan
• What could end the bull market?
• School fraud and bankruptcy filers

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

There have been rolling corrections in different sectors and in different stocks making this month tough on investors following the large Q3 returns. Is now the time to become more conservative or simply ignore the headlines? Today I discuss:

• Troubling media headlines and geopolitical events
• Sheltering yourself from the chance that stocks and bonds decline at the same time in retirement
• Paying down debt as a way to become more conservative
• Comparing retirement withdrawal strategy articles

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

A large part of the investment world thought rates would fall again before the 10 year treasury hit 3.5%, and they are very close to being wrong. The Feds hinted they could hike rates even faster in the future despite global trade issues and warnings from Trump. Other topics include:

• Bank of America Merrill Lynch’s comments on the stock market and treasury yield
• How interest rates change your behavior towards retirement planning
• What to do if you own long term government debt funds
• China potentially devaluing the yuan
• Pensionizing your retirement income
• Retirement strategy article by Stanford Center on Longevity and Society of Actuaries

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Studies show that an alarming 1/3 of millennials have robbed their retirement accounts between 2001 and 2017. If this isn’t proof that we haven’t taught our children the importance of saving and how to go about it then this epidemic will only get worse and everyone will pay for it. Today I discuss how saving early can make you major retirement bucks. Other topics include:

• The difference between IRA’s & Roth IRA’s
• Good annuity situations & what to do with bad annuities
• Who should Mark open a Roth IRA with and what mutual funds or ETf’s do I recommend for new investors?
• Paying quarterly taxes overseas

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visitwww.NewFocusFinancial.com.

Studies show that an alarming 1/3 of millennials have robbed their retirement accounts between 2001 and 2017. If this isn’t proof that we haven’t taught our children the importance of saving and how to go about it then this epidemic will only get worse and everyone will pay for it. Today I discuss how saving early can make you major retirement bucks. Other topics include:

• The difference between IRA’s & Roth IRA’s
• Good annuity situations & what to do with bad annuities
• Who should Mark open a Roth IRA with and what mutual funds or ETf’s do I recommend for new investors?
• Paying quarterly taxes overseas

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

The Kavanaugh hearings were all anyone could talk about over the weekend, but the big news on the economic front was the quarterly Fed meeting. The FOMC removed the Accommodation Clause while Chairman Powell stated that “this does not imply the Fed will be less aggressive if necessary in raising rates.” With the fed funds rate believed to be raised in December and three more times next year, what does that mean for loan rates? Other topics include:

• The flattening of the yield curve
• How will you act during a correction?
• Confusing investor terms explained
• Opportunity zone programs - Portenitally a new way postpone paying capital gains taxes
• Year-end tax moves
• Should you sell your insurance policies

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.