In this episode of "New Focus on Wealth," host Chad Burton provides a market update, discussing the resilient economy despite inverted yield curves and higher interest rates. He also touches on the topic of inflation, with the CPI coming in slightly higher than expected. The episode concludes with a discussion on the rise in energy prices, particularly oil prices reaching a new year-to-date high.

Timestamp:

[00:01:05] Inflation and interest rates.

[00:06:56] REITs and their performance.

[00:08:25] Real estate investment and office buildings.

[00:12:26] ETFs and Index Funds

[00:15:18] Weird math.

[00:21:07] Where active management pays off.

[00:24:06] Investing beyond index funds.

[00:29:49] Asset location and tax efficiency.

[00:32:08] Pay attention to your diet.

[00:36:06] Probiotics for ADHD and depression.

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In this episode, host Chad Burton provides a market update and discusses estate planning. He explains the importance of having a will, trust, power of attorney, and healthcare directive, and addresses the cost associated with these documents. Additionally, he shares that the S&P 500 has seen a rally with a total return of 18.36% for the year.

Timestamps:

[00:01:36] Market cap weighted index.

[00:05:21] Weaker dollar and international positions.

[00:08:22] Inverted yield curve.

[00:11:22] Roth 401k and tax breaks.

[00:17:06] Roth contributions and tax deductions.

[00:19:07] What is an estate plan?

[00:25:02] Power of attorney for digital assets.

[00:26:09] Incapacity and healthcare directive.

[00:30:55] Leaving money for kids.

[00:34:06] Fully discretionary trust.

[00:36:40] Financially screwing up kids.

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In this episode, Chad & Rob discuss various finance and investment topics, including retirement and wealth preservation. Chad highlights the importance of being prepared for retirement and the potential consequences of not doing so. Chad also explains the significance of the CFP (Certified Financial Planner) designation and how it plays a vital role in managing portfolios. 

Timestamps:

[00:01:31] The CFP designation.

[00:05:23] Retirement planning complexities.

[00:08:02] Social Security and retirement.

[00:11:28] Taxes in retirement.

[00:17:36] Long-term care planning.

[00:19:03] Medicaid planning and spousal impoverishment.

[00:22:24] A sausage grinder inheritance.

[00:26:49] Phantom income in taxable accounts.

[00:32:07] A successful retirement look.

[00:33:19] Higher portfolio value investment options.

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In this podcast, Chad & Rob discuss the importance of budgeting in retirement. They highlight the risk of overspending in the early years of retirement, especially when faced with a market correction. Burton suggests using a baseline approach, such as living off 70-80% of current income, or looking at net income after taxes to determine retirement spending. He also mentions the need to account for healthcare costs, as retirees are responsible for their own healthcare until they reach 65 and become eligible for Medicare.

Timestamps

[00:02:18] Spending in retirement.

[00:06:21] Safe cash withdrawal rate.

[00:08:00] Retirement challenges and portfolio management.

[00:13:24] Health and retirement planning.

[00:14:13] Whitewater rafting and injuries.

[00:19:31] Retirement savings statistics.

[00:21:10] Social Security and retirement.

[00:24:14] Asset location and tax efficiency.

[00:28:04] The stock market's safety.

[00:30:44] Retirement savings for low-income workers.

[00:34:01] Making assets last in retirement.

[00:37:15] Maximizing Social Security Benefits.

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In this podcast, Chad & Rob, discuss the current earning season and its impact on the market. They note that while reports have been better than expected, there is still an overall earnings decline of the S&P 500. However, the S&P 500 has seen a 14.95% return, indicating a slight pullback from previous levels. The discussion also touches on the importance of comparing the S&P 500 to the Nasdaq. Tune in to gain valuable insights into the financial landscape.

[00:02:20] Tech stocks and market performance.

[00:04:18] Inverted yield curve.

[00:08:51] The order of stock market returns.

[00:11:35] Sequence of returns.

[00:16:20] Shortcut mentality in wealth management.

[00:20:07] Larger portfolios for retirement.

[00:21:47] Portfolio design and alternatives.

[00:25:07] Evolving retirement plans.

[00:29:27] Financial planning in changing times.

[00:32:02] Finding a retirement location.

[00:36:22] Paying off mortgages vs. investing.

[00:38:26] Should I stay retired?

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In this episode, Chad Burton and Rob Black discuss the retirement readiness test and their upcoming event. They also address what to do when a retirement plan fails, emphasizing the importance of seeking unbiased and fiduciary-based advice. Listeners are encouraged to attend the event for more in-depth knowledge on personal finance and wealth management.

Timestamps:

[00:02:28] Saving more for retirement.

[00:04:21] After-tax contributions to Roth 401k.

[00:07:12] Roth 401k changes.

[00:13:06] Cutting expenses in retirement.

[00:15:11] Investing for children's accounts.

[00:20:31] Paying off non-mortgage debt.

[00:23:32] Downsizing and moving in the future.

[00:24:33] Retirement savings and downsizing.

[00:29:07] Maximizing rental property income.

[00:31:12] Expensive annuity contracts.

[00:35:16] Expenses that retirees forget.

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In this episode, Chad Burton discusses the importance of focusing on health in retirement. He emphasizes that while financial planning is crucial, it is equally important to prioritize one's physical and mental well-being. Burton shares personal experiences and observations from working with older clients, highlighting the impact that poor health can have on the enjoyment of retirement. He encourages listeners to invest in their health by exercising regularly, eating well, and taking proactive measures such as medical scans and tests to address potential health issues.

Burton also discusses the various aspects of retirement planning, including budgeting for travel and hobbies. He emphasizes the need to consider both fixed and variable expenses, such as healthcare costs, home remodeling, and car purchases. The episode touches on the growing field of longevity and biohacking, with Burton cautioning against getting overwhelmed by the abundance of supplements and testing options available. Ultimately, he stresses the importance of finding a balance between financial planning and maintaining good health to ensure a fulfilling and enjoyable retirement.

Timestamps:

[00:01:29] The life plan and fulfillment task.

[00:06:59] The cost of longevity.

[00:08:29] Eating well and longevity.

[00:12:41] Focus on your health.

[00:15:57] Infrared sauna and cold plunge.

[00:21:09] Full body scan issues.

[00:24:11] Supplements and health focus.

[00:28:00] Cognitive needs in retirement.

[00:32:40] What retirement activities cost.

[00:36:09] Longevity and biohacking.

[00:37:52] Fulfillment in retirement.

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In this episode, Rob Black and certified financial planner Chad Burton discusses the seven tests of retirement readiness. Chad breaks down each test and provides valuable insights and strategies for achieving a secure and fulfilling retirement. From the linear cash flow test to the tax test, Chad covers important considerations such as expenses, risk tolerance, tax planning, and more. Listeners will gain a deeper understanding of what it takes to be financially prepared for retirement and learn how to make informed decisions to ensure a comfortable and prosperous future.

Rob and Chad delve into the seven tests of retirement readiness, offering ideas, hints, tips, and tricks for achieving a successful retirement. With a focus on personal finance, wealth management, and the economy, Chad provides valuable advice on topics such as unbiased advice, detailed expense tracking, risk tolerance, tax planning, and the importance of health and fitness in retirement. Listeners will gain valuable insights and practical strategies to help them make informed financial decisions and achieve their retirement goals.

Timestamps:

00:02:30 Retirement readiness requires unbiased advice.

00:05:12 Travel costs have increased. 

00:10:28 Retirement readiness requires careful planning.

00:21:07 Prepare for market downturns. 

00:26:21. Tax planning is crucial in retirement.

00:34:48 Planning for retirement is crucial.

00:36:00 Focus on health in retirement.

Email your money question to chad@chadburton.com. 

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In this episode, Chad Burton discusses the recent downgrade of the US government's credit rating by Fitch. He highlights the fiscal and political instability as the reasons for the downgrade. Despite the government's ability to borrow, the interest rates are increasing. Chad emphasizes the need for new leaders and term limits to address the country's growing debt, which currently stands at around 120 percent of GDP.

Timestamps:

[00:01:40] We need new leaders.

[00:04:05] Strongest recovery of any.

[00:08:30] Lower income and unfair treatment.

[00:12:43] Inverted yield curve.

[00:14:38] Rebalancing and bond strategies.

[00:18:57] Large cap tech valuations.

[00:24:11] Retirement portfolio allocation

[00:28:30] Knowing your discretionary expenses.

[00:29:21] Retirement and fulfillment.

[00:35:09] Medicare part B premiums.

[00:36:10] Linear cash flow model.

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In this episode of "New Focus on Wealth," host Chad Burton discusses a range of topics, including UFO hearings, a potential mini-stroke by Mitch McConnell, and the discovery of a new room temperature superconductor. He also highlights the busy week of earnings reports for the second quarter. Stay tuned for the release of FactSet's earnings insight report on Friday.

Timestamps:

[00:00:54] UFO hearings.

[00:04:12] Investing and retirement strategies.

[00:08:09] Abusing the 1031 exchange.

[00:12:26] Concentrated stock positions.

[00:16:19] Highly concentrated stock position.

[00:19:32] Selling covered calls for income.

[00:23:44] Charitable remainder trust.

[00:25:27] Charitable remainder trust and taxes.

[00:29:01] Hedging highly concentrated stock positions.

[00:32:13] Mental health and homelessness.

[00:36:37] Passive income options.

Email your money question to chad@chadburton.com. 

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In this episode of "New Focus on Wealth," host Chad Burton discusses the current state of the housing market and the impact of low mortgage rates. He highlights the benefits of holding onto properties with low-rate mortgages, as they can generate cash flow and make real estate investing easier. Chad also shares insights on the rental market in the Bay Area, emphasizing the importance of evaluating the potential income from rental properties against the costs involved. Tune in to gain a better understanding of the financial considerations surrounding real estate and mortgages.

Timestamps:

[00:02:41] Banks' Q2 earnings and provisions.

[00:06:49] Nasdaq special rebalance.

[00:08:11] Capital gains distributions in investments.

[00:13:44] Transferring assets to new custodian.

[00:19:27] Estate planning basics.

[00:20:02] Estate planning basics.

[00:25:45] Importance of power of attorney.

[00:27:06] Taking care of kids in trusts.

[00:31:11] Special Needs Trusts and Estate Planning.

[00:35:37] Inheritance and estate planning.

[00:38:10] Financial planning beyond portfolios.

Email your money question to chad@chadburton.com. 

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In this episode of "New Focus on Wealth," host Chad Burton discusses the latest news on inflation and its potential impact on the Federal Reserve's actions. He shares that inflation rose at the slowest pace since March 2021, raising questions about the Fed's future decisions. Burton provides a weekly market update, highlighting that the S&P 500 has gained 16.58% so far this year. He also discusses bond market trends and the performance of the US aggregate bond index. Finally, Burton touches on the challenges faced by emerging markets. Tune in to get a comprehensive update on the current financial landscape.

Timestamps:

[00:02:27] Small and mid-cap stocks.

[00:04:18] Tech stocks and earnings.

[00:09:02] Earning higher interest rates.

[00:12:58] Bonds and annuities explained.

[00:16:41] Annuities and alternative investments.

[00:19:24] Annuities and financial advisors.

[00:23:07] Health care costs and financial planning.

[00:28:26] Premium tax credits in retirement.

[00:33:40] Roth conversion considerations.

[00:35:07] Tax diversification for retirement.

[00:37:30] Helping with taxes and withholding.

Email your money question to chad@chadburton.com. 

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In this podcast, Chad Burton & Rob Black discuss the recent market activity and the performance of the NASDAQ. Despite the potential for recession, the market has seen a rebound, particularly in the tech sector. Burton emphasizes the importance of asset allocation and rebalancing in a diversified portfolio. He also discusses the attractiveness of tech stocks and the impact of artificial intelligence on investing. Furthermore, Burton highlights the similarities between the NASDAQ and the S&P 500 indexes.

Timestamps:

[00:02:15] When it drops hard, what a great time to buy.

[00:06:07] Tech-heavy market index.

[00:09:46] Market breadth and catch up.

[00:11:15] Housing starts and market trends.

[00:15:01] Reinvesting dividends for long-term growth.

[00:18:27] Concentrated stock positions.

[00:23:14] Concentrated stock and income strategies.

[00:26:30] Exchange funds and diversification.

[00:29:23] Rental property issues in California.

[00:33:20] Real estate vs. stocks.

Email your money question to chad@chadburton.com. 

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In this episode of the podcast "New Focus on Wealth," hosted by certified financial planner Chad Burton, the focus is on the stock market. Burton points out that the NASDAQ is up 33% for the year due to the market cap weighted tech-heavy index. However, if you look at the return from January 1st, 2022, to today, the NASDAQ is down 10%. He advises listeners to avoid FOMO and be cautious when making financial decisions. Burton shares that massive corrections are usually buying opportunities but cautions that most investors were already overweight in large cap growth.

Timestamps:

[00:02:19] NASDAQ explained and analyzed.

[00:04:15] Tech stocks and valuation.

[00:08:16] Tech stock recovery rally.

[00:12:06] Small and mid cap struggles.

[00:15:24] International developed outperforming the US.

[00:19:02] High deductible health plans.

[00:23:02] Medicare and retirement savings.

[00:27:28] Tax-free retirement income.

[00:31:11] Refinancing commercial loans.

[00:35:05] Investing in T bills.

Email your money question to chad@chadburton.com. 

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Miss the latest radio episode of New Focus on Wealth? No problem, listen now to catch up on the latest insight from Certified Financial Planner Chad Burton. In this episode, Chad analyzes the growing similarities between the makeup of the NASDAQ and S&P 500, noting the recent performance of both. 

Next, Chad describes the benefits of Health Savings Accounts (HSAs) and how to utilize them properly to take care of you in the golden years of retirement. 

Finally, listen to Chad talk about altering your tax strategy to set yourself up for lower federal taxes in retirement.

Email your money question to chad@chadburton.com. 

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Tune in for the latest from Joining Me Now featuring an extended episode that dives into tax strategies and how to approach a complex retirement plan with your CFP. Hosts Rob Black and Chad Burton talk about the first steps taken with new clients, such as identifying personal expenses, what you’re planning to do for fun, and finding your purpose in retirement. Chad explains how he takes this information to model various retirement scenarios, making it easier than ever to prepare for a successful retirement and provide a New Focus on Wealth. Also, hear about IRA to Roth conversions and handling concentrated stock positions. Listen now!

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On this episode of Joining Me Now, Rob and Chad talk about taxes, financial planning, wealth preservation, and more. Listen as Rob and Chad discuss the importance of working with a fiduciary and avoiding salesmen that don’t have your best interest in mind. Rob and Chad identify and break down the various steps to planning and executing a successful financial plan for you and your loved ones.

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The latest episode of joining me now with hosts Rob Black and Chad Burton features a discussion on withdrawal strategies in retirement. Next, Rob and Chad discuss what yesterday’s 60/40 portfolio has evolved to in the modern age of retirement planning. Don’t miss the latest from Rob and Chad. Listen now!

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The latest episode of Joining Me Now covers the various tests that can help determine the likelihood of your finances successfully supporting your retirement. Rob and Chad take a question from a listener about inherited IRAs and identifying the best time to take the tax hit. Finally, Rob and Chad discuss why enabling your children with finances can be detrimental for everyone involved. Listen now!

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This episode of Joining Me Now with Hosts Rob Black & Chad Burton discusses the importance of conservative retirement planning, an analysis of the bond market, and evergreen topics on the wealth management cycle. Catch the latest from this dynamic duo and listen now.

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Listen to the latest episode of Joining Me Now to hear the latest from Rob and Guest Host Chad Burton as they discuss the housing market, stock market conditions, and the opportunity to rebalance your portfolio. Listen now!

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The latest episode of New Focus On Wealth with Certified Financial Planner Chad Burton features a discussion on IRAs, managing the balance between supporting your children and prioritizing your retirement. Chad notes that 70% of parents with kids over the age of 18 have sacrificed their personal finances to help their kids. Don't miss the latest from Chad as he dives into these topics and more!

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Catch the latest from Certified Financial Planner Chad Burton as he addresses a question from a listener about whether or not it’s always better to wait until your 70s to take social security. Next, Chad compares stock market returns to real estate investments before diving into various ways you can take advantage of current tax laws with your real estate portfolio. Listen now!

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Listen to the latest from Certified Financial Planner Chad Burton as he provides his regular market updates before discussing all things involved in the world of wealth building and financial planning. 

On this episode, Chad answers questions from listeners on identity theft and retirement accounts, specifically describing how people who make too much money to fund a Roth can fund a Roth. Chad also revisits last episode’s discussion on FDIC Insurance. Listen now.

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The latest episode of New Focus On Wealth addresses misconceptions about FDIC Insurance after the collapse of Silicon Valley Bank. Next, Chad discusses the common misunderstanding about Life Insurance as an investment, noting how exposure to stocks in these accounts prevents you from being able to take advantage of dividends. Finally, Chad talks about long-term care insurance and how to weigh the pros and cons of keeping or losing your insurance in the case of increased rates. Don’t miss the latest from Certified Financial Planner Chad Burton.

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This episode of New Focus On Wealth discusses bonds and the variables to consider with an inverted yield curve. Though short-term bonds currently yield a higher return, are they truly the best option? Get Chad’s latest market update on topics like safe money in retirement, tax planning, inflation, and much more. Listen now!

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Chad addresses one of the most important questions that we will face in our lives, “how do you know when you’re ready to retire?” Listen as this episode breaks down the various expenses to consider such as taxes, entertainment, and healthcare in the later stages of life. Listen now and familiarize yourself with the tests you can use to determine your readiness for a happy and successful retirement with Certified Financial Planner Chad Burton.

Email your money question to chad@chadburton.com. 

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Hear the latest from Rob and Chad’s ongoing discussion on all things retirement planning and wealth building. 

In this episode, Chad breaks down his belief in the importance of having 3 years of portfolio draws in cash readily available. Next, Rob seeks insight from Chad on sequence of returns during retirement. Listen now!

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Rob and Chad discuss rates of return and how long term investing can provide steady results, even when entering the market at less than ideal times. Check out the latest episode of Joining Me Now!

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Listen to the latest episode of Joining Me Now as Rob and Chad dive into the hot topics in the world of retirement planning. This episode features a discussion on safe money and balanced portfolios with Chad explaining how the meaning of a “balanced portfolio” has completely changed over the years to reflect the status of interest rates. Listen now!

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Listen to the latest episode of Joining Me Now as Rob and Chad dive into the hot topics in the world of retirement planning. This episode features a discussion on safe money and balanced portfolios with Chad explaining how the meaning of a “balanced portfolio” has completely changed over the years to reflect the status of interest rates. Listen now!

Email your money question to chad@chadburton.com. 

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On this edition of New Focus on Wealth, Chad talks about new legislation that allows people to save for retirement by making student loan payments. Don’t miss this episode as Certified Financial Planner Chad Burton gives you 40 minutes of retirement and tax planning insight to consider for 2023.

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The latest episode of New Focus on Wealth features a conversation on health in retirement. Don’t miss this insightful episode with Certified Financial Planner Chad Burton as he goes over what he does to maintain a healthy lifestyle that allows him to enjoy the fruits of his labor as he plans for his own retirement. If you’re curious if you’re falling behind on your health, listen now!

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Listen to the latest episode of  New Focus on Wealth where Chad explains how you can earn interest on your safe money and how much you need to afford your retirement. Click play and find your financial clarity with Certified Financial Planner Chad Burton.

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Chad opens up 2023 with a discussion on retirement accounts and the change in legislation that allows you to push required minimum distributions to age 73. Next, Chad talks about gifting and how it relates to your tax situation. Start the new year off with an insightful discussion on retirement planning by listening to the latest episode with Certified Financial Planner Chad Burton.

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Don’t miss the final episode of 2022 as Chad dives head first into a discussion on what matters most to retirees, including an understanding of how markets fluctuate and why you should have 3 years worth of portfolio draws in safe money. Chad also goes over the various ways you can plan for your children’s future with College funding investment accounts that can be rolled into a retirement account in the event of a surplus. Don’t miss the final episode of 2022!

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