Coronavirus has quickly changed how we work and live. People may continue to work from home following the pandemic which could affect office oriented real estate. If people are allowed to work from home, will they leave the Bay Area? Other topics include:

• Financial options for getting through the pandemic
• Junk bonds returns vs stocks
• Safe money in IRA’s & 401K’s
• Inflationary issues

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 cashed out in late March, you may have massive regret as the market has posted a significant rally since the March 23rd low. Today I go over the best case, middle case and worst case scenarios of economic recovery. Also:

• Who gets a stimulus check?
• Valuation in small cap stocks
• 2020 IRA RMD waiver under the CARES Act

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 average consumer is getting tired of not being able to visit their favorite local businesses. Small business owners are weighing the effects of keeping the economy shut down vs. proceeding with caution. Though most people are getting their income by safely working from home, the Payroll Protection Program has failed to provide for the businesses currently lacking the income needed to stay afloat. Other topics include:

• Explaining the USO ETF
• Effects of the stock market
• An economy coming back changed
• Actively managed funds
• The chances of a global depression
• What should you be doing for 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.

Saving the world by staying at home. Clearly these are special times even though we are itching to get back to work. Stocks are set to rally today on the promise of a better coronavirus treatment in the works. Today Rob Black takes over to discuss the newest hope of the COVID pandemic. Other topics include:

• The other side of COVID stocks
• #fakenews on Facebook
• Reopening the economy
• Investment angles going into COVID, during COVID and after COVID
• Are we hitting peak bottom?

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.

March was the wildest ride for the stock and bond market I have seen in the 25 years I have been in the business. Headlines range from anywhere between equity and small cap markets having the best weeks in decades to the rising number of people filing for unemployment. So what really happened in the market? Is it a tough place to thrive, are we crushing it or is it a bit of both? Topics:

• Is this type of movement normal?
• The bond market not working properly
• Access to cash and credit markets
• Emergence of corporate issues
• Getting your portfolio back 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.

Today I dissect the largest fiscal rescue/stimulus package we have ever seen. Will it be enough? The CAREs Act includes financial rescue options for individuals and businesses. The options for small businesses can be very confusing. Can the SBA even handle the process? Eventually the stock market will bounce back and this will end up being a blank spot in the “timeline” of credit market; in terms of loan and mortgage payments. Today I discuss the issues that CFP®s, CPA’s and lawyers are trying to figure out. Topics include:

• Economic Injury Grant of $10,000
• Mortgage forbearance
• Options for Self-employment
• How does the CARES Act Recovery Payment of $1,200 work
• Payroll Protection Loan Program –PPP
• Deferring payroll taxes – what’s the catch?
• No more RMD’s for 2020

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 quarter was the most volatile in my 25 year career. The S&P 500 jumped 5% from the beginning of the year to 2/19 then dropped -34% until the recent bottom on March 23^rd at which point the market rebounded 15% by the end of March. The S&P 500 is down 20% since the start of the year and small and mid-cap stocks are down even further. The bond market also declined and had the most volatile ride I have ever seen until the feds put in a “backstop” on March 23^rd.  Listen and find out where I see value, how I am rebalancing and how I am tax loss harvesting. I also talk about the CARES Act and how it helps reduce taxes on RMDs for retirees and provides funding for small business.

• I explain what happened in the credit and bond market
• dissecting the CARES Act and the Payroll Protection Program -PPP
• Avoiding Required Minimum Distributions for 2020
• Explanation of the bond market and potential opportunities in different asset classes
• My views on this event vs. The Great Recession
• See The NewFocus Financial Group Facebook page for links to help small businesses

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.