On December 23rd Trump signed the SECURE Act into law. The passing of this act acknowledges that people are drastically underprepared for retirement and will need to be able to work longer and save more. New RMD rules and losing the stretch IRA are just two new changes coming to your retirement plan. Today I tell you all about the SECURE Act and all the ways it can change your retirement plan.

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.

This time last year all the headlines wanted to talk about were a 2019 recession, inverted yield curves and negative interest rates –only to end up 28.74%. By the time these topics make the news it’s usually too late. If you’re reacting to news headlines, it’s probably time to get help with your portfolio. Other topics include:

• How often is a stock market negative vs. positive?
• Why are investors becoming more aggressive and what are the risks?
• Will your parent be admitted during their next hospital visit or just under observation?
• Long term care planning by the numbers
• Why you shouldn’t go another year without a comprehensive financial plan

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.

Holiday feelings are among us and people are making the effort to give to those less fortunate. While cash is accepted by every charity, it may be in your best interest to gift appreciated stocks or mutual funds; this way you get a double tax benefit. you may be able to deduct the value you donated plus wipe out the future capital gain tax. Today I look at how this gifting strategy has affected people living in and out of California. Other topics:

• Gaining exposure to dividend achievers
• Donor Advised Fund to accelerate tax deductions
• Credit and other money matters with your children
• Analyzing your health going into retirement

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 holiday season is almost here and your guests will be asking for your wifi password before they sit at the dinner table. Scammers are out in full force during this time of year and it is getting more difficult to decipher the difference between scammers and real people. Protect yourself and inspect your email before clicking on any files! Other topics include:

• Where is the market as 2019 comes to a close
• Managing bond ETF’s and mutual funds
• Could strength training be the secret to longevity
• Properly leveraging your real estate
• Are Americans in a better financial position this year?

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.

In my business you usually see two different types of retirees. Your first group is those that are busy, active, focus on their health and genuinely enjoy retirement. The other group misses working and attends doctor’s appointments. Today’s podcast starts off with a discussion on cellular health and staying healthy. Other topics:

• The new Morningstar mutual fund rating system
• Three steps to take given the temporary tax cuts
• Reasons to review your trust yearly
• Making sure you have the correct estate plan

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.

It’s the final month of 2019 so keep in mind there are year-end tax issues to deal with. Many self-employed sole proprietors may need to ditch the SEP and set up an individual 401k before 12/31. Discuss with your CPA or advisor ASAP or email Chad@ChadBurton.com. There is also tax lost harvesting, RMD’s and gifting strategies to think about. Are you ready for 2020 or will you be scrambling when the New Year rings in? Other topics include:

• Legally avoiding capital gains on appreciated stock
• Social Security’s 10 Most Confusing Rules
• 10 Common Misconceptions About Retirement

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 only time my company picks individual stocks in when a company has a history of being a dividend achiever. There are ETF’s with similar approaches allowing you to own a basket of companies that love increasing their dividend. Other topics include:

• Dividend achiever strategies
• Money matters to discuss with your children over Thanksgiving
• Major retirement concerns
• Laymen discussion of eating and exercising to fight cancer

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.

Part of being a financial planner means answering any questions you have about retirement; ranging from managing your accounts to maintaining your health. Today I respond to several questions listeners have been asking as they prepare for retirement. Topics:

• Why sell stocks for bonds as you near retirement?
• Saving outside of a high-fee 401k
• Mega Backdoor Roth 401k’s
• The SECURE Act
• Year-end tax planning
• Intermittent fasting –Should you skip breakfast?

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 lot of retirees delay pulling money from their retirement accounts believing the tax hit is much worse than other options. This is not necessarily the case. Spending down your cash and taxable accounts often creates a rolling tax problem after RMD’s kick in. Create a Roth Conversion plan before year-end. Don’t wait on the IRS to make changes! Other topics include:

• Battling Alzheimer's and brain diseases
• Long term care planning
• Deferring more money from your paycheck in 2020

Retirement planning is more complicated than ever. Please join Rob Black and I for our Retirement and Income Planning seminar this Thursday, November 14, 2019 in Burlingame. 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.

The year will be over before we know it and you have less than two months to make any major tax moves. There is not enough proactive planning by people these days to take advantage of the opportunities out there. Today I cover year-end tax planning strategies. Topics include:

• The negative effects of historically low interest rates on retirees
• The long term care disaster
• How tax cuts changed planning

Retirement planning is more complicated than ever. Please join Rob Black and I for our Retirement and Income Planning seminar this Thursday, November 14, 2019 in Burlingame. 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.

The market has come pretty far in just one year and looking back at media headline proves that big corrections can come and go. New highs in the market are great if you have funds to invest, however, this can be incredibly difficult with a high cost of living. Here are a few things you can do to increase your savings and prepare yourself for a new retirement plan. Other topics:

• Properly using your ESPP and RSU plans
• Looking back at market history
• A correlation between sleeping, behavioral and dental issues?

Retirement planning is more complicated than ever. Please join Rob Black and I for our Retirement and Income Planning seminar on Thursday, November 14, 2019 in Burlingame. 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.

A decline in earnings yet the market is up? Even though trade wars and manufacturing costs have ruled the headlines, 2020 earnings projections are still positive and analysts predict earnings growth will return once the New Year begins. Other topics include:

• 10 scariest retirement statistics
• When to do a Roth conversion
• Sleeping your way to a healthy retirement

Retirement planning is more complicated than ever. Please join Rob Black and I for our Retirement and Income Planning seminar on Thursday, November 14, 2019 in Burlingame. 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.

Halloween is coming up and there are scarier things out there than the IRS. Cyber security is a major issue plaguing real estate and misfortune can end up with you getting sucked dry and wanting your mummy. Hackers are getting smarter and it’s becoming more difficult to recognize who is your friend and who is wearing a mask. Other spooky tales include:

• Family values and the family business
• Estate planning nightmares
• Controlling your digital afterlife

Retirement planning is more complicated than ever. Please join Rob Black and I for our Retirement and Income Planning seminar on Thursday, November 14, 2019 in Burlingame. 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.

Strategic bond funds can have up to 15% exposure into stocks; so not only have bonds rallied, but now you may be exposed to stocks in your bond fund that are over bought due to investors chasing yield. Be aware of what you are holding, it might be time to change things up and take some gains. Other topics include:

• Health and fitness –your next big retirement issue
• End of year gifting strategies
• Mega Backdoor Roth IRA's and 401k's

Retirement planning is more complicated than ever. Please join Rob Black and I for our Retirement and Income Planning seminar on Thursday, November 14, 2019 in Burlingame. 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.

The end of the year is coming up faster than we know it and Q3 earnings are starting to be reported. Even though many of the reported companies have beat on profits and revenue, but we are still not expecting growth. What’s going on with these numbers? Other topics include:

• Home sales & interest rates
• Is owning real estate in your IRA a good idea?
• Prohibited transactions
• Rebalancing issues

Retirement planning is more complicated than ever. Please join Rob Black and I for our Retirement and Income Planning seminar on Thursday, November 14, 2019 in Burlingame. 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.

There are many types of investors out there and right now conservative investors are experiencing tough times. Could creating your own pension could be the best solution for those that crave certainty in a market that is fluctuating? Other topics include:

• Pros and cons of longevity contracts
• Finding sources of income you can’t outlive
• Cell phone and online security

Retirement planning is more complicated than ever. Please join Rob Black and I for our Retirement and Income Planning seminar on Thursday, November 14, 2019 in Burlingame. 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.

Earnings kick off this week and the market is expecting numbers to be flat or slightly negative due to comparables. While the numbers are less than desirable to investors, what is important is whether or not CEO’s will the cite trade war for causing issues. Other topics include:

• What to do in today’s low rate environment
• An urgency to take advantage of tax cuts
• Should entrepreneurs fund a SEP IRA if they qualify for 20% business deduction?
• Fixing Social Security
• Creating your own pension

Retirement planning is more complicated than ever. Please join Rob Black and I for our Retirement and Income Planning seminar on Thursday, November 14, 2019 in Burlingame. 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.

Planning for retirement is goes beyond making sure you have enough money that’ll last. So much of retirement is finally making that decision to quit working no matter how daunting that next phase of life can be. Today it’s all about preparing for every aspect of retirement. Topics include:

• Financial readiness tests and myths
• Retirement fears and anxiety
• Dealing with health limitations
• Adult child dependency
• Cash flow planning
• Medicare and HSA plans

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.

October 1st is the start date for college students looking for financial aid and students who apply early are more likely to receive more money than their friends who stall. While parents are always willing to do anything to help their children succeed, after age 18 you are unable to act on their behalf on financial transactions and healthcare decisions. Is your child set up with a POA and a healthcare directive? other topics include:

• Does infinite banking work?
• Cash value life insurance policies
• HSA accounts

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.

Manufacturing reports showed the weakest numbers in 10 years. In fact numbers lower than expected due to trade issues slowing things down and presented the worst rating since June 2009. A manufacturing slowdown alone is not enough to put us into a recession; strong consumer sentiment is what we need to keep the economy going strong. Other topics include:

• What is Bond duration?
• Why even own bonds at these low rates?
• Hidden costs of owning rental properties

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.

As Q3 comes to an end it’s mindboggling to think of all the crazy headlines we have heard in these few short months. When you start to feel that things are the worst they have ever been is when you have to separate your investing moves from the fear-based media stories vying for your attention. These headlines only matter in the short term and gut-decisions lead to mistakes. Don’t let the media scare you into making a mistake! Other topics include:

• Q3 in review
• Why own bonds in a low rate environment?
• Two cases for being a global investor
• Small portfolio tweaks

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.

Just when you thought trade war headlines couldn’t get any more interesting, we now have formal impeachment inquiry proceedings against Trump. What media has glossed over, however, is the repurchase market where banks and investors seek more than 1trillion in cash loans every day. Other topic:

• Fixing Craig’s backdoor Roth IRA conversion
• 401k, Roth IRA, Megaroth 401k, Backdoor Roth, SEP-IRA–Which one do you fund?
• Is velocity banking worth the effort
• What to do when you’re struggling to pay down debt
• Funding retirement when your employer doesn’t match your 401k
• Factoring pensions into your retirement plan
• Reassessing your rental property

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.

Managing your taxes is extremely important once you go beyond your 401k. Every year you need to be in the habit of actively harvesting losses if you have them. As long as you don’t buy back what you sold within 30 days, you can take that loss on your tax return. You also need to be aware of issues of inherited gains in mutual funds and ETF’s in your taxable account. Other topics include:

• Issues around irrevocable trusts and real estate
• Advanced healthcare directives & POLST forms
• Protecting family money in community property assets

Managing your money can be complicated. Join Rob and I for one of our two Wealth Building & Retirement Planning Seminars, this Saturday, September 21st. 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.

Twice in month of August, the yield curve inverted and two year bonds were paying more than 10 year government bonds. Many people panicked believing a recession was imminent. Is it still a predictor of an impending recession or just an unfortunate coincidence that raised alarm? Other topics include:

• How to contribute to a Mega Roth IRA online
• Can you contribute to a Mega Roth if you already have a SEP IRA?
• Self-employed retirement saving issues
• Momentum vs. value investing
• Financial regrets

Managing your money can be complicated. Join Rob and I for one of our two Wealth Building & Retirement Planning Seminars, this Saturday, September 21st. 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.

Not enough people financially plan for prolonged nursing home stays. Medicare helps with these costs if you meet a certain criteria that only few actually meet. After that, expenses are all out of your own pocket. Other topics include

• Combining traditional and Roth 401k’s contributions -What is the right mix?
• Mega Roth 401k and creating huge amounts of tax free money
• Funding your child’s college education without a 529 plan
• Pros and cons of carrying a mortgage
• What should Mohammed be doing with his multiple retirement accounts?
• Should Robert rollover his IRA?

Managing your money can be complicated. Join Rob and I for one of our two Wealth Building & Retirement Planning Seminars on September 21st. 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.

Over the last few weeks you have heard me say that growth investing has had a historical run since the bottom of the market in 2009; handily outperforming value investing. This is your cue to do a portfolio review to try and figure out if you are investing areas that have run too far. Good value investors are very patient and realize that long term pay offs matter more than short term market movements. Other topics include:

• Momentum’s worst daily performance relative to value since early 2013
• Getting your portfolio to last longer in retirement
• How to save Social Security

Managing your money can be complicated. Join Rob and I for one of our two Wealth Building & Retirement Planning Seminars on September 21st. 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.

Max out your 401k, get the employer match and save on taxes – this is 100% the most basic retirement planning advice everyone should follow unless it is keeping food off the table. Knowing what to do next with your excess cash flow can be quite perplexing to the point where you could make mistakes, like investing in life insurance. Today I discuss how to build your financial base once you’ve already maxed out your 401k.

Managing your money can be complicated. Join Rob and I for one of our two Wealth Building & Retirement Planning Seminars on September 21st. 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.

It seems all the headlines want to tell you about are the trade wars with China, Brexit becoming more of a disaster, and what the inverted yield curve could possibly mean. Rough headlines and fears of recession are causing some people to panic and stop funding their 401k. This is a fool’s move where you lose out on free money and a tax break. Today it’s all about 401k issues and how to survive them.

Managing your money can be complicated. Join Rob and I for one of our two Wealth Building & Retirement Planning Seminars on September 21st. 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.

Rob Black and Chad Burton Talk About Yield Curve Inversions and Recessions:

• Is an inverted yield curve a predictor of a recession or a coincidence?
• Is this yield curve inversion different than previous ?
• How do stocks perform after the yield curve converts?
• Value vs. Growth and Global Diversification

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.

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As the world we live in becomes increasingly more digital, estate planning takes on a whole new face with more and more things being stored online. Family photos are stored on the cloud, social media accounts stay active well after someone dies and important scanned documents may be difficult for the surviving family members to find. Next time you review your estate plan make sure your digital life is covered and not just your physical one.

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.

Years ago I thought you would have to be crazy to buy something you saw advertized on social media. Today I’ll admit that I actually bought something I saw on social media and it did not go well at all. Long story short, I fell victim to online fraud and may be out some money. Online security is something we all need to take seriously for more than one-time transactions. Don’t let something as simple as a weak password end up with you losing anything from a few dollars to your identity. Other topics include:

• Digital estate planning
• Tough times for charitable giving
• Does another yield curve inversion predict a recession?
• Growth vs. value

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.

If you’re trying to give somebody money for education do not give them the cash directly, pay the institution instead. Not only will you not have to file a gift tax return, but you are able to exceed the $15,000 limit. Believe it or not there is also a correct way to withdraw from a 529 plan; is your child getting the most out this money? Other topics include:

• Top retirement planning questions
• The inverted yield curve, recessions and the biggest discount between growth and value stocks

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.

Looking for stocks that are trading at a discount is called value investing. Traditionally this is done by looking at the P/E ratio and right now the valuation gap between expensive and cheap stocks is the lowest it has been in 9 years. Now that investors are turning their attention to quality stocks, value investing is something you should be keeping your eye on as periods of underperformance are followed by periods of outperformance. Other topics include:

• Why is value being ignored and why is growth getting expensive?
• Opportunity zone investing uncertainties
• 1031 exchanges
• What to do with RMDs?

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.

News headlines are stoking fear by saying that an inverted yield curve have predicts a recession within two years. Two years is an absurdly long time in the financial world and the factors that caused previous inverted yield curves are not causing the yield curve inversions we are seeing today. No one doubts the global slowdown is occurring, but corporations are finding ways to adjust and do business. Also:

• What is the yield curve?
• Is the inverted yield curve a predictor or coincidence?
• Signs of inflation
• Investing for the next 5-10 years
• The best thing to do during a market correction

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.

Too many people are underprepared for retirement and much of it is due to a lack of basic financial education. You should never stop funding a 401k based on who the president is, what he is saying or whatever geopolitical news is dominating the headlines. stop losing out on free money that is costing you your own retirement! Other topics include:

• Roth IRA’s vs. 401k’s- Do they count towards each other?
• What to do with extra income
• Mega backdoor Roth IRA’s
• What to do with rollovers
• What does an individual 401k do that a SEP does not do

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.

Astute investors realized that yesterday’s headlines were incredibly similar to those during last year’s September-December correction. Daunting headlines and investor Alzheimer’s make for a poor combination that can cause some people to panic out of the market which will typically result in a huge setback in your retirement. Daily headlines really don’t matter in the long run, what does matter is having a strategy that you stick to because you can not time the market! Other topics include:

• What happens if I miss just a few of the best trading days?
• Morninstar’s market downturn tool kit
• Are annuities worth it? –The best interest rule
• Key things you need to have a plan for in retirement

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.

Many people classified yesterday as a “tough day for the markets”, but if you follow market trends it looks a lot like your typical August. The Feds cut interest rates for the first time in more than a decade with the 10 year treasury sinking to pre-Trump numbers. The end result: the most extreme inverted yield curve since 2008. Other topics include:

• While the S&P 500 is up since January it is flat for the last 12 months -What are corporate earnings telling us?
• Protecting yourself from port-out scams where you lose your cell phone number
• Protecting your passwords and using 2 factor authentication
• My favorite retirement allocation

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.

Regular exercise and a proper diet are a key part of any retirement plan. Saving up a huge pile of money is no good if you end up spending most of it on doctor visits and prescriptions instead of vacations and grandkids. Do what you want in retirement simply because you can by focusing on your health before its too late! If you can do this the rest of your planning all falls under our 10 Pillars of Retirement Income Planning downloadable.

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.

Right now the Feds are in a no-win situation. Leaving rates where they are is risky and Powell would be to blame for any signs of a recession. Alternatively, if they follow the data and were considering lowering rates anyway it will look as if the Feds have caved to Trump’s pressure. What should we do in an economy where we don’t want a strong dollar right now? Other topics include:

• Gold hedge against inflation
• Expansion of Government debt
• Can you lose your home due to outstanding medical bills?
• What mutual funds or ETF’s should Andy invest in?

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.

Planning for retirement is more complicated than hitting that magic number between 1.5-2 million. Real planning and projections change every few years with the economy and financial Alzheimer’s can lead even educated individuals to make mistakes when the markets are exceptionally good or bad. That’s why we battle test your portfolio with Six Tests to determine if your portfolio will outlast you.

• Linear cash flow model
• What is your risk tolerance
• How to get through difficult market cycles
• Monte Carlo simulation
• Taxes
• Long term care simulation

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.

By the end of the second quarter the S&P 500 found itself up 18.5%, which includes the sizeable recovery from last year and a push ahead. Much of the volatility has been from trade wars and fed interest rates so we have to we have to bring things back to reality and figure out what is going on within the S&P. With that said, remember that the S&P is cap weighted and is not an exact measure of the largest 500 companies in America. The economy is much more than that. Other topics include:

• The difference between Roth IRA contributions and Roth IRA conversions
• Is now a good time to do a Roth conversion with the market at a high?
• Garbage annuity products
• Establishing an IRA with a fee only fiduciary group vs. a bank

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.

Health and financial well being often come together to determine how much you will enjoy retirement. Too often people enter retirement in poor health end up spending more time with doctors than doing what they want to do. Likewise, those who take care of their health usually end up living longer and will need more money to live. Money and health both need to be a priority in retirement. Topics include:

• Retirement savings and fitness changes by age
• How to lower tax consequences on company stock
• Gifting appreciated stock
• Student debt vs. Roth contributions

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.

Cryptocurrency is big headlines again as Facebook explains plans for their own digital currency to Congress. Steve Mnuchin also did a briefing stating his concerns on the risks of digital currency while vowing that the treasury will crack down on law breakers as they find them. Can Facebook’s cryptocurrency survive between this and consumer trust issues? Other topics:

• What bugs me about cryptocurrency even though it's here to stay
• Cryptocurrency volatility & use in illicit activities
• Living a healthy retirement

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.

Bonds play an important part in your portfolio, but the yield on them is so low most people feel like they just aren’t worth it. Should you even bother looking at bonds when the interest is low or consider individual bond funds? Today I answer your bonds questions and more. Topics include:

• Individual bonds vs. bond funds
• Owning bonds when you are younger vs. older
• Dividend aristocrat mutual funds and ETF’s as bond alternatives
• Financial independence vs. retirement

Join Rob Black and I for our Retirement Income and Tax Planning seminar at the Elks Lodge in Palo Alto tomorrow, Thursday, July 11th. Registration is only $25 so 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.

A video of a 102 year old man participating in the 100 yard dash has gone viral. With the way medicine is advancing this could easily be the future for any of us. Part of getting there will mean having a portfolio set up that will outlive you. Are you prepared for a future where more people reach this major milestone? Today I explain the top reasons why you need a detailed financial plan going into retirement.

Join Rob Black and I for our Retirement Income and Tax Planning seminar at the Elks Lodge in Palo Alto this Thursday, July 11th. Registration is only $25 so 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.

Can dividend income raise your effective rate?  The biggest issue some people face in retirement is the ‘ticking tax time bomb’ of what their brackets might do once they hit the RMD period of their retirement. Could a possible solution be as simple as delaying retirement or contributing to a Roth instead of a pre-tax 401k? Other topics include:

• Financially Preparing for marriage –Can your marriage survive money issues?
• Money under 30

Join Rob Black and I for our Retirement Income and Tax Planning seminar at the Elks Lodge in Palo Alto on Thursday, July 11th. Registration is only $25 so 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.

No matter who is in the White House, businesses will find a way to keep making money. Cashing out under the belief that sitting presidents will singlehandedly ruin the economy is not only silly, it’s a major money mistake to make at any stage in life. Don’t make these dumb money moves. Focus on working towards financial freedom. Other topics include:

• Top financial planning mistakes
• Is your home the best investment you can make?
• High rate car loans
• Negotiating with your employer
• Ditching health insurance

Join Rob Black and I for our Retirement Income and Tax Planning seminar at the Elks Lodge in Palo Alto on Thursday, July 11th. Registration is only $25 so click HEREto 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.

The SEC ‘best interest’ rule has been a big issue in the world of financial planning and is starting to make mainstream headlines. What does this new rule entail and what does it mean for financial planners and the people they help? Other topics:

• Why costs matter when it comes to the investments you choose
• Retirement income and tax planning strategies
• Why do annuities even exist?

Join Rob Black and I for our Retirement Income and Tax Planning seminar at the Elks Lodge in Palo Alto on Thursday, July 11th. Registration is only $25 so 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.

The kids are home for the summer and while they’re kicking it with their friends, mom and dad are at work thinking about the next year of schooling. While you finalize your childs college plans, remember that 529 plans changed under the 2017 tax act. Today I explain what you need to know about funding your childs education. Other topics:

• Dividend achiever ETF’s
• Paying RMD taxes on non-IRA accounts
• Frequently missed planning opportunities
• Figuring out the best retirement income plan for this Pennsylvania listener

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 stock market has been riding high for what feels like an impossibly long time. As a financial planner a common situation I deal with frequently is keeping your retirement plan on track when the market begs you to go all in or all out. Keeping a diversified portfolio just does better in the long run. Don’t let FOMO ruin your retirement! Other topics include:

• Different types of portfolios and returns
• Reasons why you shouldn’t be too aggressive right now if you’re close to retirement
• Reviewing your insurance

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.

Two years ago we didn’t think we would be here, but interest rates have dropped once again. With real estate peaking and the stock market still performing close to all-time highs, many people are asking about refinancing their mortgages. Will refinancing make an impact on your wallet or will fees prevent you from breaking even? Other topics include:

• Single stock risks
• The changing world of annuities

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.

Recession questions have been popping up more lately. Not only are we seriously overdue for a market correction, but tough tariff talks with China could easily become its foundation. Should you go to cash or instead, take advantage of the opportunity to buy and forget about attending those shady investment seminars. Other topics include:

• The earnings recession
• What to do with your emergency reserves
• Calculating your safe money in retirement
• Social Security 2100 Act
• Are all annuities awful?

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 news has been a little unsettling lately with another lackluster round of presidential candidates stepping forward, Teresa May stepping down after failing to Brexit, Chinese trade deals not going as planned and interest rates hitting a real low point. Despite all these negatives the market has rallied since the beginning of the year. What should you be concerned with as local bond markets call for another slowdown? Other topics include:

• Accumulating assets that provide passive income
• The wealthy mindset
• The emyth

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.

You’ve heard me say it several times before, timing the market really is a terrible strategy no matter what age you are. Not only do you have to get out and back in at the right time, retirees also have to make up the money they lost from dividends and interest during those years. Ignore your gut and don’t sell when things are scary. It’s just not worth it. Topics include:

• Benefits of the passive income stock dividends provide
• Estate planning for a special needs family member
• How fancy do you need to get when it comes to your estate plan?
• Caring for your aging parents

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.

Asset protection is an important piece of financial planning, but too often I see scammy seminars that try and sell you products that may or may not be right for you. Today I’m getting back the basics of asset protection which includes two main sections: building your wealth & protecting your wealth and ability to pull income. Other topics include:

• Disability& term life insurance
• Umbrella coverage for Carl
• Asset protection from the courts
• Identity theft & real estate protection
• Creating income for 30+ years in retirement

Join Rob Black and I for our Retirement Income and Tax Planning Seminar at the Toll House Hotel in Los Gatos tomorrow, May 16th. 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.

When I got into the business 25 years ago the 10 year treasury was near 6% and retirees typically held a 50/50 stock to bond allocation. Although most of America is enjoying low inflation on most items, low rates on bonds and CDs along with  high healthcare costs are hurting retirees. Be careful with your projections! Traditional projections just don’t work well in today’s market.  Do you need to adjust your retirement strategy to deal with low rates for the foreseeable future?  Other topics include:

• Monitoring your withdrawals in retirement
• Should you pay off your mortgage before retirement?
• What to do after paying off your mortgage

Join Rob Black and I for our Retirement Income and Tax Planning Seminar at the Toll House Hotel in Los Gatos this Thursday, May 16th. 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.

Way back in 2017 I shared and article which stated that out of 35 million retirees, 7 million suffer from some sort of depression. Since then 10,000 baby boomers have turned 65 every day and without any real savings or mental preparation it’s easy to see why alcohol and prescription medicine dependency is on the rise amongst seniors. Having a retirement plan can help ensure a better future. Are you ready? Other topics include:

• Dumb retirement mistakes

Join Rob Black and I for our Retirement Income and Tax Planning Seminar at the Toll House Hotel in Los Gatos next Thursday, May 16th. 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.

Whenever the market starts to hit high points people immediately begin to wonder if they should pull out of the market. My response: “Get used to it! You are going to spend roughly 70% of your life sitting at all time stock market highs. While the S&P 500 returned to September highs small cap stocks have a ways to go. Other topics include:

• The value of having a retirement plan
• How and why to donate out of your IRA after age 70
• Analyzing your retirement tax planning strategy
• Mutual Funds vs. ETF’s –Which is better for taxes?

Join Rob Black and I for our Retirement Income and Tax Planning Seminar at the Toll House Hotel in Los Gatos on Thursday, May 16th. 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.

Social Security can be taken as early as age 62 and many people choose to do so either out of necessity or because they choose to do so fearing the money won’t be there later. Taking early Social Security while working not only reduces your benefits, but it is counted as taxable income. Unless you need it to make ends meet, delay Social Security until your full retirement age or later! Other topics include:

• Creating a budget
• Getting the most out of your credit cards
• Retirement readiness testing

Join Rob Black and I for our Retirement Income and Tax Planning Seminar at the Toll House Hotel in Los Gatos on Thursday, May 16th. 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.

One of the things people were concerned about going into this quarter was an earnings recession. So far roughly 25% of companies in the S&P 500 have reported earnings and reports are averaging 5.3% above expectations. Today I discuss the expected earnings recession, the struggling healthcare sector and ongoing talks of a rate cut. Other topics include:

• Why most Americans do not have a written financial plan
• Mark has a question about the mechanics of Roth conversions
• How pensions and defined benefit plans affect your retirement savings
• Do you need to keep IRA’s and rollover IRA’s separate anymore?

Join Rob Black and I for our Retirement Income and Tax Planning Seminar at the Toll House Hotel in Los Gatos on Thursday, May 16th. 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.

For the next 19 years more than 10,000 people will reach the age of 65 and by 2050 the US will be home to 65.8 million retirees between the ages of 62-84; a whopping 113% increase! While we do not face the demographics issues similar to those of Japan, anyone currently under the age of 55 should be prepared to retire without Social Security. How do we fix the system before it fails? Other topics include:

• Managing taxes on investments –Which funds are tax inefficient?
• The power of dividends

Join Rob Black and I for our Retirement Income and Tax Planning Seminar at the Toll House Hotel in Los Gatos on Thursday, May 16th. 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.

Opportunity Zone investing may be an option for anyone with low basis stock to sell, defer capital gains tax and diversify into real estate. It may sound fantastic, but investors are wondering what will happen in 2026 when the tax code reverts? Other topics include:

• Correcting last weeks segment on inherited stocks
• What to think about as the S&P closes in on its September high
• Is elder abuse much worse than reported?
• What to do if you suspect someone is a victim of elder financial or physical abuse
• Passive retirement income opportunities & how to reduce taxable retirement income

Join Rob Black and I for our Retirement Income and Tax Planning Seminar at the Toll House Hotel in Los Gatos on Thursday, May 16th. 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.

I hope you didn’t panic out and sell during last year’s holiday correction.  The first quarter of 2019 was the best start for a 60/40 balanced portfolio since 1991.  The last 6 months should be enough to teach you not to try and time the market or invest emotionally. Instead, simply rebalance your portfolio when things feel a bit toppy and buy when the fear is high. Other topics include:

• Looking for signs of inflation
• How to tackle debt
• When is it a bad idea to rollover your old 401k to an IRA?
• Pet trusts and digital assets in estate planning
• What more can you do with your savings?
• Hiring a third party fiduciary as an executor or trustee
• Net Unrealized Appreciation and 401k rollovers

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’s nothing I love more than getting email questions from listeners. Not only does it provide great content for the show, but it helps me focus in on what you want to learn about. Today I answer questions you have sent me. Topics include:

• How executors, trustees and beneficiaries should handle inherited stock portfolios
• Using a reverse mortgage for a Plan B retirement situation
• Reasons to review your tax return after tax time if you are still saving for retirement
• Reasons to review your tax return after tax time if you are in retirement

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.

Whether you’re on your own or supporting a family, it’s a good idea to have at least 6 months of emergency reserves around. For people who change jobs frequently I would recommend you increase this amount to a year’s worth of income. So how do you know how much safe money you really need and how does this amount change as you approach retirement? Other topics include:

• How incorporating saves on FICA taxes, but limits your ability to save for retirement
• Are Roth IRA’s useful if you’re over the 15% tax bracket?
• Self directed 401k vs. SEP IRA –which is a better way to defer taxes

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.

If you’re self-employed you know that tax time can be an extremely daunting time. It can also be a bit of a surprise due to the way self-employment taxes work. Today’s podcast is for every self-employed individual who is feeling overwhelmed and completely lost as tax day approaches. Specific topics include:

• Benefits of self-employment
• What you need to consider before going self-employed
• Entity options: Sole proprietor, LLC, or S-Corp
• How does an S-Corp save taxes?
• Retirement pitfalls of an S-Corp
• When to use Roth IRA's and individual 401k's
• SEP IRA's are rarely the best option

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.

It’s the day of the dueling hosts. Rob Black and I collaborate frequently on his show and oftentimes Rob receives many emails about financial planning. Today Rob and I team up to answer money and financial planning emails from our listeners. Topics include:

• Inverted yield curve and recessionary fears
• Inflation, currency devaluation and the national debt
• Using preload and reload debit cards for security
• Risky reliant life shares
• Converting an IRA to a Roth
• Investing beyond your 401k
• Robo advisors and building a financial plan
• Are annuities a trap?
• Estate planning for your pet
• Can you trust a financial referral?

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.

Taxes are due in a few short weeks and while many of you have already started this process, some of you will be filing an extension. Do note this is not an extension to pay what you owe, nor is it an extension to fund IRA’s or Roth IRA’s. These must be done by April 15th no matter what! So what do you do if you still want to fund a Roth for 2018? Are you still eligible to fund one? Other topics include:

• Other things to consider during tax time
• Questions to ask your CPA when getting your taxes done
• Should you claim your college-aged kids?
• College savings mistakes I see people make

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.

Retirement planning is hard enough and one of the easiest ways to live a little smarter is to simply learn from the mistakes of other people. Today I cover major retirement ruining mistakes such as:

• Retirement tax mistakes
• Social Security mistakes
• Retirement income strategy mistakes
• Market timing mistakes

Join Rob Black and I for our Retirement Income And Tax Planning Seminar on Thursday, March 21 at Double Tree by Hilton in Burlingame. Registration is only $25. 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.

First quarter GDP numbers will be coming out soon and they are predicted to be in the 1% range. Permabull Jeremy Siegel believes the market will be challenged for further gains due to low earnings growth this year. However, the 10 year treasury is sitting just below 2.7% and low rates boost markets. Today I discuss the latest stock market predictions, what causes these scenarios and how to survive them should they come true. Other topics include:

• Backdoor and mega backdoor Roth IRA’s
• Should you roll over after tax 401k contributions to a Roth IRA?
• NUA’s –Net Unrealized Appreciation
• Are Baby Boomers more prepared for dying than living?-Long term care planning options
• The problem with online retirement calculators

Join Rob Black and I for our Retirement Income And Tax Planning Seminar on Thursday, March 21 at Double Tree by Hilton in Burlingame. Registration is only $25. 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.

I recently met a woman who cashed out her retirement plan since it has done nothing over the last 5 years. Upon further questioning I realized that her “financial planner” was in fact an insurance salesman who conned her. The industry needs to push so that anyone pushing commission based products are called salesman and not financial planners. Other topics include:

• Debt- the biggest issue for our country and ourselves
• The best strategies for Social Security
• What to do with your old life insurance policy?

Join Rob Black and I for our Retirement Income And Tax Planning Seminar on Thursday, March 21 at Double Tree by Hilton in Burlingame. Registration is only $25. 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.

Q4 may have shown us a 5th straight quarter with a double digit rise in earnings, but way more on the market is European Central Bank abruptly reducing its 2019 GDP forecast. Brexit is still causing a lot of uncertainty and a No Deal vote is expected to happen by tomorrow leading to who knows what outcome. Also on the radar is some unusual jobs data in an otherwise robust economy. Is inflation even being measured correctly? Other topics include:

• Should Nick be converting as much IRA money as possible before tax cuts expire in 2026?
• Financial mistakes millennials are making
• "Sneaker taxes" in retirement planning
• Is it a no-brainer to move out of California in retirement?

Join Rob Black and I for our Retirement Income And Tax Planning Seminar on Thursday, March 21 at Double Tree by Hilton in Burlingame. Registration is only $25. 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.

While most of the country is going to notice a reduction in taxes, California residents will be all over the board. Itemizing your deductions might not be better than the standard deduction under this new tax plan and your combined state income taxes and property taxes are no longer fully deductible. Today I discuss major tax changes you’ll notice once you file. Other topics include:

• A crash course on 401k rollovers.  When to roll your old 401k to and IRA and when not to.
• Financial planning in retirement
• How to avoid RMD’s after age 70.5
• Steps to take before hiring a financial advisor

Join Rob Black and I for our Retirement Income And Tax Planning Seminar on Thursday, March 21 at Double Tree by Hilton in Burlingame. Registration is only $25. 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.

The top fear people have in a low rate environment is running out of money. Historically bonds have yielded over 4-5%. Current bond yields are much lower which is affecting the way we plan for retirement. Major advancements in medicine/longevity are happening every day. Can your portfolio survive as long as you do? Other topics include:

• Are you ready fore retirement? 6 tests you must pass
• What is the difference between the S&P 500, Dow and Nasdaq
• Roth IRA and backdoor Roth IRA strategies
• Basic 529 plan facts

Join Rob Black and I for our Retirement Income And Tax Planning Seminar on Thursday, March 21 at Double Tree by Hilton in Burlingame. Registration is only $25. 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.

Over 90% of Q4 reports have come in and 2018 reported a 20.8% earnings growth over 2017. Pretty good numbers considering the S&P 500 was down 4.5% for the year. Do companies owe this substantial growth in earnings to tax cuts or was it just pure, organic growth. Other topics include:

• What should you do at tax time?
• Leverage investing
• Sep IRA’s- when they are good and when they are bad
• What is a stretch IRA?
• Should Glen convert his IRA to a Roth so he can leave a better asset to his kids?

Join Rob Black and I for our Retirement Income And Tax Planning Seminar on Thursday, March 21 at Double Tree by Hilton in Burlingame. Registration is only $25. 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.

More people are hearing about Health Savings Accounts at work and is a great plan that not everyone can afford, but should seriously consider if they can. For people with enough cash flow to handle this high deductible plan it can actually be a better way to save for college. Other topics include:

• Media slamming the tax cut package
• Is it worth funding a Roth 401k after age 60?
• Retiree fears
• Common stock vs. preferred stock dividends
• REITs

Join Rob Black and I for our Retirement Income And Tax Planning Seminar on Thursday, March 21 at Double Tree by Hilton in Burlingame. Registration is only $25. 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.

Should you be concerned when you see headlines regarding an imminent recession? Are low rates on bonds increasing the risk of outliving your money in retirement?  Other topics include:

• Examples of how retirement will change over time
• Separating economic news from the stock market
• The biggest fears of most retirees
• Funding a Roth IRA after age 65 or 70 -Ok if you have EARNED income

Join Rob Black and I for our Retirement Income And Tax Planning Seminar on Thursday, March 21 at Double Tree by Hilton in Burlingame. Registration is only $25. 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.

It happened. A lot of people panicked out at December’s end when the market correction bottomed out. Whether its stocks or real estate the market is impossible to time and most people never profit when they try. Today’s message: Do not let emotions get in the way when investing. Other topics include:

• 2018 in returns
• 2019 expectations
• What to do with your 401k after changing employers
• Better plans for the self employed
• Roth 401k vs. Roth IRA

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.

In most podcast I tend to focus on what you should be doing in retirement or approaching retirement, but getting to that point is completely different. Employers typically offer Roth 401k’s in addition to the regular 401k and leaving employees to wonder which savings vehicle will be most beneficial to them in the long run. Today I weigh the differences between the regular 401k and the Roth 401k. Other topics include:

• Blending 401k, Roth 401k and Roth IRA
• Retirement planning for young workers
• Are you on track for retirement?
• Playing with tax brackets
• How to get money into a Roth

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.

Every 5-7 years we typically see a 20% correction, but it had been much longer that that since our last significant correction. The miserable December left many of us feeling horrible even though the S&P 500 ended the year down by only 4.4%. Since then, anybody who sold around Christmas is now kicking themselves as the fast moving market has already bounced back. What should you do if these recessionary trends continue? Other topics include:

• How the market typically responds during the 12 months after a large correction
• International investing...is it worth it?
• Smoothing out market cycles in your portfolio
• 10 Pillars of Retirement Planning –what you need to focus on when entering retirement

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 news can be unsettling these days. UK citizens are regretting their decision to leave the EU in Brexit. Meanwhile, Trump has ordered many federal employees back to work during the shutdown without pay. We also have PG&E filing for bankruptcy. Despite all these horror stories we have had a huge rally since Christmas Eve. Never panic out when the news is the worst and volatility is high! Other topics include:

• More 2019 financial goals
• Qualified opportunity zone investing
• Which 529 plan should you use?
• Recessionary signs and what to do

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.

It’s January 15th and its time to make a tax payment. Even if you are going to file for an extension, avoid excess penalties from the IRS and send in a check if you have not withheld enough money or paid enough in quarterly tax payments. Today I discuss how much you need to turn in and things to think about if you are over age 70 ½ this year. Other topics include:

• Getting into tax season
• What to do with your Roth IRA’s, Roth 401k’s and regular 401k’s
• 22 tips for starting 2019 on track

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 new tax code is a year old now and people will see the results of it in their tax returns the next few months. High income non-business owners living in states with high income and property taxes may not find themselves too happy with what they see, but for the rest of America it is definitely a tax cut. Today I explain the difference between an economic recession, a revenue recession and an earnings recession. Other topics include:

• How to approach tax free vehicles such as Roth IRA and 401k
• Financially surviving divorce

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 Q3 FOMO rally was quickly followed by a December that left the S&P down by 4.5% on the year. Although the media made the sudden correction feel incredibly painful, remember that this pullback follows a 10 year average return of over 13%! Do not get caught up in the medias racket and make emotional mistakes with your portfolio. Other topics include:

• Preparing for market corrections
• Getting 2019 on track
• Understanding ESPP’s

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.