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.