We are in a special economic situation right now as a result of COVID and the oil war. Today I bring in Erik Knutzen, CFA, and Managing Director of the Neuberger Berman Quantitative and Multi-Asset Class investment team, who has come up with three scenarios for economic recovery. Listen in and check out what Erik has in his investment playbook! Other topics:

• Does diversification save you money on the downside?
• Finding bargains and themes that drive opportunity
• Dislocation
• Idiosyncratic ideas

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.

Tuesday offered the biggest one day gain in the stock market since 1933 which is just more proof that the biggest up days occur during a bear market. This is another reason you should never try to time the market. Prior to these moves, many small and mid cap stocks had already fallen 75-85% as much as they did during the Great Recession. The economy has come to an abrupt halt. How we work our way out of this situation. Also:

• Financial planning moves to consider during an awful situation
• Are some bonds on sale 

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.

Ever seen a good guy, bad guy movie where the heroes have to get creative to beat the baddies? That’s exactly what happened when the feds lowered rates to zero to combat COVID-19. Really though, coronavirus isn’t causing a crisis, but rather people’s reactions to it are causing the crisis happening around the world. Rob Black takes over today to discuss market volatility, crafting a recovery and more.

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 few months ago, rate hikes and the trade war were predicted to cause the next recession, now coronavirus has come around and increased the chances of recession. Add in the crash in oil prices and it’s easy to understand why fear levels are rising. Can the market survive the disruption and avoid a true recession? Other topics include:

• Recession survival guide
• Planning for a more expensive retirement
• Rebalancing strategies

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 discuss both headwinds and tail winds for the stock market this year such as the new trade deal with China and the implementation of the USMCA. Other topics include:

• 2020 market concerns
• S&P 500 envy and how balanced portfolios can win over the long run
• How the Secure Act affects your retirement and estate planning
• A recent ski/snowboard trip to Japan

Please join Rob Black and I for our Retirement Income and Tax Planning Seminar at the Palo Alto Elks Lodge on Thursday, February 6th. 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.

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.

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.

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.

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 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.

12 more days and we will have the longest running bull market without a 20% market correction. I see a lot of portfolios where people have been in the right place, but all they own are S&P large cap stocks, which are now getting quite expensive. Will we see a shift from momentum based stocks to stocks trading at a discount? Other topics include:

• What is contributing to the incredible earnings growth?
• Catching up on retirement savings in your 40’s and 50’s
• When you don’t want to convert to 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.

It’s expected that individual companies will be crushing it in terms of second quarter earnings reports thanks to a strong economy and tax cuts that went into effect this year. What could happen as the trade skirmish continues to cause uncertainty in the market. Other topics include:

• Costs of retiring in the Bay Area
• Most millennials want to retire at 61. Is that even possible without social security?
• How much of an asset base will millennials need to accumulate to live off passive income?
• Backdoor Roth IRA’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.

Encore edition

It’s expected that individual companies will be crushing it in terms of second quarter earnings reports thanks to a strong economy and tax cuts that went into effect this year. What could happen as the trade skirmish continues to cause uncertainty in the market. Other topics include:

• Costs of retiring in the Bay Area
• Most millennials want to retire at 61. Is that even possible without social security?
• How much of an asset base will millennials need to accumulate to live off passive income?
• Backdoor Roth IRA’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.

Tax cuts make Q2 earnings report an easy comparison to 2017. Next year we know comparables will be much tougher and the potential trade war looming could increase prices and slow the economy. Other topics include:

• Items that affect portfolio returns
• Estate taxes
• How to reduce taxes in retirement
• Mega Backdoor Roth IRA -the secret tax free growth option
• 401k allocations

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.

Encore edition

Tax cuts make Q2 earnings report an easy comparison to 2017. Next year we know comparables will be much tougher and the potential trade war looming could increase prices and slow the economy. Other topics include:

• Items that affect portfolio returns
• Estate taxes
• How to reduce taxes in retirement
• Mega Backdoor Roth IRA -the secret tax free growth option
• 401k allocations

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 little over 80% of S&P 500 companies have reported earnings and so far the numbers are looking great. Blended earnings are up 24.2% setting the stage for the largest year over year growth rates since Q3 2010. Is the market expensive after this amount of growth? Other topics include:

• Stock market concerns
• Everything you need to know about long term care insurance
• Alternative investments as your portfolio reaches over half a million

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.

Do we have a truce on the Chinese trade war? It could be true. China is set to cut the import duty on US cars to 15% furthering opening up the world’s second largest economy. Meanwhile Trump has retreated from imposing tariffs on billions of dollars worth of Chinese goods. Today I take a look at the future of Chinese-American trade. Other topics include:

• Buying vs. leasing a car
• Getting a good rate on a lease
• The issues with 401ks and bond funds
• Age-based savings benchmarks

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 Feds are holding their monthly meeting with no rate increases expected this time around. However, three more rate hikes are projected by the end of the year which won’t affect mortgage rates as much as it affects things like credit cards, HELOC’s and anything tied to prime. Also in the news is ISM’s manufacturing report, Feds changing the way they measure inflation and the ECB fighting lackluster growth. Other topics include:

• Oscar Meyer’s Bacoin cryptocurrency & China cracking down on jaywalking
• Portfolio levers that can cause risk
• Why wage inflation is tough on portfolios
• Rebalancing your portfolio on different levels
• Financing your parents move to a memory care facility
• Sequence of return risks in retirement

Please join Rob Black, Michelle Lerman and I for our Retirement Income Strategies and Estate Planning Seminar from 6:30 p.m. to 8:30 p.m. tomorrow, May 3rd, at Juniper Hotel Cupertino. There's still time to sign up. Click HERE!

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.

Futures are up and a lot of it has to do with China opening its economy to foreign investors. While day to day ups and downs don’t really matter in the long run, the reasons why do. Other topics include:

• How to snag the new self employed 20% business deduction if you are in the service industry
• Are you prepared for retirement financially and mentally?
• The problem with social security

Please join Rob Black, Michelle Lerman and I for our Retirement Income Strategies and Estate Planning Seminar from 6:30 p.m. to 8:30 p.m. at Juniper Hotel Cupertino on May 3rd. 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.

Hospitals are treating more people with strokes and the percentage of millennial patients has increased by as much as 50% in some areas. People sometimes end up rebuilding their entire lives after a medical emergency; for many it can also mean completely changing your retirement plan. Today I talk income replacement in the face of major medical issues. Other topics include:

• The bond market
• A popular Roger Ibbotson article on indexed annuities
• Do annuities ever make sense when 99% of them are awful?
• Jeffrey Gundlach’s call on 2018
• Savingforcollege.com

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 prices go up consumer demand goes up and we see inflation. The Federal Reserve fights back by adjusting the lending rates, less money is being lent and put into the economy and we go through a cycle. It’s a pretty simple concept that is all part of expansion and recession. Real market corrections last 3 months minimum and the worst thing you can do is panic, sell and lose money forever. Other topics include:

• Cryptocurrency pump and dump scams
• Can you afford a second home in retirement and how would you pay for it?
• Health and healthcare spending in retirement
• The AMT exemption and other tax cut issues

Please join Rob Black, Michelle Lerman and I for our Retirement Income Strategies and Estate Planning Seminar. This event will be held at the Crown Plaza Hotel in Foster City on March 8th at 6:30 p.m. Registration is $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.

So far it’s been a great season for earning reports with Q4 earnings coming in at a 14% increase instead of the predicted 11% increase. Meanwhile 10 year treasury rates have a major increase. Other topics include:

• Self employed retirement planning tips under the new tax cut
• The average retirement savings account at Fidelity
• Stock market corrections
• 1040 SR tax form and other news about the tax change
• The dangers of retiring too early

Please join Rob Black, Michelle Lerman and I for our Retirement Income Strategies and Estate Planning Seminar. This event will be held at the Crown Plaza Hotel in Foster City on March 8th at 6:30 p.m. Registration is $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 Dow dropped 1500 points making it the largest intraday point drop in history. Interestingly enough this huge point drop doesn’t even come close to breaking daily pullbacks when recorded in percentages and is not even considered a correction by market standards. Today I discuss the recent pull back and how we view the markets. Other topics include:

• The Federal Reserve and interest rates
• Rebalancing vs. timing the market
• Cryptocurrency
• Tax law changes that will affect you and your paycheck

Please join Rob Black, Michelle Lerman and I for our Retirement Income Strategies and Estate Planning Seminar. This event will be held at the Crown Plaza Hotel in Foster City at 6:30 p.m. and registration is $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.

Many years ago Professor Jeremy Siegel stated the S&P 500 deserved a higher P/E ratio due to low interest rates. He is now expecting a pause in 2018 and potentially a shift to value. Today I discuss Jeremy Siegel’s views on the market. Other topics include:

• Rebalance now or wait for January? It depends on your tax situation
• What to look at in your bond portfolio
• Major retirement risks and how to battle them
• Retirement products

Join Chad Burton, CFP^®, and Rob Black for a discussion on the issues that can affect your retirement plan. Click HERE to register for our 10 Pillars of Retirement Income Planning webinar next Wednesday, December 13th. Registration is free!

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.

What a year for the stock market. 2015 saw an increase in dividends, 2016 was a great year and 2017 is proving to be a great year as well –but are we getting the earnings? Today I provide a quick review of this year’s remarkable earnings season and figure out if we are out of the revenue recession. Other topics include:

• Revenue issues
• What I like and dislike about the new tax proposal
• 4 issues retirees should consider if the tax proposal goes through
• Can a big tax event cause you to pay more for Medicare part B?
• Retirement Savings Checklist

Retirement planning is more complicated than ever, but focusing on a few essential issues can help increase your income in retirement and your chances of enjoying a secure future.Please join us for our Retirement Income Strategies and Estate Planning Seminar next Thursday, November 16th, at the Toll House Hotel in Los Gatos. 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 4% rule is largely considered to be the gold standard of the financial industry. However it should not be the end all and be all since credit and inflation cycles can affect this rate and you should constantly track your cash flow projections in retirement. So what should your retirement review look like?  Later on Rob Black sits in to discuss the slight pull back in the market after a strong February as we await Donald Trump’s speech tonight on the economy. What will investors be listening for? Will he be able to keep his deregulatory promises? Rob also breaks down numbers from the new Case-Shiller home price index and some big problems lying within them.

Join Rob Black, Michelle Lerman and I at our retirement seminar this Thursday, March 9th, starting at 6:30 p.m.  at the Toll House Hotel in Los Gatos. Use the code radio25for free entry. Click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

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

Encore Edition

The 4% rule is largely considered to be the gold standard of the financial industry. However it should not be the end all and be all since credit and inflation cycles can affect this rate and you should constantly track your cash flow projections in retirement. So what should your retirement review look like?  Later on Rob Black sits in to discuss the slight pull back in the market after a strong February as we await Donald Trump’s speech tonight on the economy. What will investors be listening for? Will he be able to keep his deregulatory promises? Rob also breaks down numbers from the new Case-Shiller home price index and some big problems lying within them.

Join Rob Black, Michelle Lerman and I at next week's retirement seminar starting at 6:30 p.m. on Thursday, March 9th at the Toll House Hotel in Los Gatos. Use the code radio25 for free entry. Click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

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

I put the actual market movement pre and post Brexit into perspective. Is it really as bad as the new makes it sound? Will there be value in US small and mid caps? I then discuss possible plans of action now that the Feds are unlikely to raise rates at all this year. Also discussed today:

• How Trump and Bernie mirror the Brexit situation and why this is a call to politicians to fix the tax code.
• What not to do right now with your portfolio
• Creative travel planning in retirement
• Elizabeth Warrens’ proposed  “lost and found” retirement savings plan

Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar on Thursday, July 28th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. Registration is only $5 so click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

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

July 4th encore edition

I put the actual market movement pre and post Brexit into perspective. Is it really as bad as the new makes it sound? Will there be value in US small and mid caps? I then discuss possible plans of action now that the Feds are unlikely to raise rates at all this year. Also discussed today:

• How Trump and Bernie mirror the Brexit situation and why this is a call to politicians to fix the tax code.
• What not to do right now with your portfolio
• Creative travel planning in retirement
• Elizabeth Warrens’ proposed  “lost and found” retirement savings plan

Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar on Thursday, July 28th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. Registration is only $5 so click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

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

Should I stay or should I go is the theme song for the stock market thanks to Brexit polls flip flopping over the weekend. I then explain how the US economy and the Euro would suffer from Brexit, and why retirees would suffer the most with even lower rates on fixed income. Other topics today include:

• Backdoor Roth IRA’s
• Constant systematic savings being the key to a successful retirement
• A Morningstar article about securing retirement success for women
• Using a reverse mortgage in your retirement plan
• What investors should not do

Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar on Thursday, July 28th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. Registration is only $5 so click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

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

Jack Mohr of Jim Cramer’s Charitable Trust calls in to discuss China and the massive market swings

Ron calls with a question about when to contribute to his Roth IRA and when to convert to his Roth 401k.

China enters a bear market and enters “panic-mode”.

I discuss Professor Siegel’s commentary on interest rates and lackluster GDP growth.

What you should and shouldn’t do when you feel fearful about the market and why you can’t time the market.

How to handle social security issues after a divorce. Do i need to wait to wait till my ex files for eocial security before I do?

Don't foreget to register for our upcoming seminar on Thursday, September 10th at the Sheraton Hotel in Pleasnton. Click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

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

What should you expect after today’s stock market decline?          

Want to know what is really happening with the Chinese stock market?

I discuss a Wall Street Journal article titled “5 Things Investors Shouldn’t Do Now”

I cover which sectors of the S&P 500 are experiencing growth.

I explain smart tax moves that work in stock market declines such as Roth Conversions.

Don't forget to register for our upcoming seminar on Thursday, September 10th at the Sheraton Hotel in Pleasanton. Click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

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

I take a look at ballooning sovereign debt, social security questions and how much cash investors should have on hand.

Wondering how to calculate the amount of safe money you need to have in retirement to help you make it through market corrections?

I talk about a New York Times questionnaire that shows many Americans to be financially illiterate .

I respond to a listener asking if dropping to part time work after years of full time work will negatively affect his social security payments.

Dealing with children who are underemployed because tof poor college choices, common bad money habits parents teach their children and how to teach youger children about money management.

I discuss why people tend not to trust the stock market because of scammers like Bernie Madoff and stress the importance of getting the right help so you don't get swindled.

Don't forget to register for our seminar on Thursday, July 30th at the Toll House Hotel in Los Gatos. Click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from Noon to 1:00 p.m. (PDT)

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

I talk about possible side-effects of Greece leaving the euro, China's involvement in the eurozone and global stock markets.

I voice my opinions on Professor Jeremy Siegels' (WisdomTree.com) comments on stick market valuation and the economy.

Explain different types of master limited partnerships (MLP's).

I give three examples of when you do not want to roll over your 401(k) to an IRA.

How donor advised funds and charitable remainder uni-trusts (CRUT) help with tax breaks now while increasing your income and leaving a legacy later.

Don't forget to register for our event on Thursday, July 30th at the Toll House Hotel in Los Gatos. Click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from Noon to 1:00 p.m. (PDT)

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

Today, Rob Black discusses daily stock market changes and other market news you need to know. Also mentioned:

• Mutual funds vs. ETFs
• Dr. Jeff Rosen of Briefing.com speculates reasons for the decline of sales among high-end retailers.
• Rob ponders how items like the Apple watch and fitness related tech can affect other companies stocks in the future.

Don't forget to sign up for our upcoming seminar in Burlingame on Thursday, June the 4th at 6:30pm. Click HERE to register.

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from Noon to 1:00 p.m. (PDT)

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

Commercial free

     On today's show, Rob discusses Time-Warner’s revenue jump to an unexpected high from March Madness profits. The unfortunate news that fewer American families are saving less for college than before. I answer a listener’s email who is unsure if he is liable to pay capital gains taxes from the money he makes on the sale of his home. Dr. Jeff Rosen and I discuss the pros-and-cons of a slowly growing economy. (Yes, there is an upside) 

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from Noon to 1:00 p.m. (PDT)

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

Commercial-Free

Chad Burton, CFP®, welcomes Brett Manning, Senior Market Analyst, from Briefing.com. Brett discusses ECB jawboning, as well as:

• Market sentiment data update
• The VIX
• Recent correction in equities, and how it fits into the picture of this bull market
• Eurozone situation
• Deflation indications

Chad also discusses:

• Social Security
• ILIT’s and Charitable Remainder Trusts
• Rates of return and Monte Carlo Simulation
• Why reverse Dollar cost averaging does not work in retirement

Email your money question to chad@newfocusfinancial.com, or call the show at 1-800-516-1220 from 1:00 p.m. to 2:00 p.m. (PDT)

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

Commercial-Free

Chad Burton, CFP®, discusses investor overreaction to typical financial headlines, as well as:

• Crowd funding and peer to peer lending
• Getting your estate in order
• How easy it is to roll your 401k
• Proper rates of return to use in financial planning

Email your money question to chad@newfocusfinancial.com, or call the show at 1-800-516-1220 from 1:00 p.m. to 2:00 p.m. (PDT)

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

Commercial-Free

Chad Burton, CFP®, discusses high frequency trading and if the market is rigged. Chad also discusses:

• Why it’s rare that taking social security at 62 pays off
• Current market news and Yellen's speech
• Reminder of 401k catch up and IRA funding

Email your money question to chad@newfocusfinancial.com, or call the show at 1-800-516-1220 from 1:00 p.m. to 2:00 p.m. (PDT)

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

Commercial-Free

Rob Black welcomes Michelle Lerman, Estate Planning Attorney from Lerman Law Partners, LLP. Rob and Michelle discuss trusts and the financial ramifications of low birth and high death rate in U.S.

Email your money question to chad@newfocusfinancial.com, or call the show at 1-800-516-1220 from 1:00 p.m. to 2:00 p.m. (PDT)

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

Commercial-Free

Chad Burton, CFP®, discusses California's high rate of poverty for people over 65, as well as:

• Older investors taking too much risk as a result of Fed policy
• Pension planning
• Structured notes
• Index fund for an investor in their 70's
• Using a 401k to buy a house

Email your money question to chad@newfocusfinancial.com, or call the show at 1-800-516-1220 from 1:00 p.m. to 2:00 p.m. (PDT)

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

Commercial-Free

Rob Black and Marilyn Lilwad discuss saving versus spending. Rob also discusses the Amazon Prime price jack and great bull market stocks.

Email your money question to chad@newfocusfinancial.com, or call the show at 1-800-516-1220 from 1:00 p.m. to 2:00 p.m. (PDT)

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

Commercial-Free

Chad Burton, CFP®, discusses the Fed meeting and if they will stay with their current unemployment target, as well as:

• Investing in real estate and tax issues
• Roth conversion and how they help lower taxes in retirement
• Paying off mortgages and retiring overseas

Email your money question to chad@newfocusfinancial.com, or call the show at 1-800-516-1220 from 1:00 p.m. to 2:00 p.m. (PDT)

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

Commercial-Free

Chad Burton, CFP®, welcomes Nicole Urken, Research Director, from Mad Money and TheStreet.com. Nicole discusses the current market news and where it is heading.

Email your money question to chad@newfocusfinancial.com, or call the show at 1-800-516-1220 from 1:00 p.m. to 2:00 p.m. (PDT)

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

Commercial-Free

Chad Burton, CFP®, goes in depth about the indicators of inflation and how it can be relatively good.

Email your money question to chad@newfocusfinancial.com, or call the show at 1-800-516-1220 from 1:00 p.m. to 2:00 p.m. (PDT)

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

Commercial-Free

Guest host, Rob Black, of Rob Black & Your Money fills in for Chad Burton and discusses how the markets rallied even with Washington's problems. Rob also discusses the market highs and Google's earnings.

Email your money question to chad@newfocusfinancial.com, or call the show at 1-800-516-1220 from 1:00 p.m. to 2:00 p.m. (PDT)

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

Commercial-Free

Chad Burton, CFP®, breaks down the current market news and the debt ceiling debate. Chad also discusses:

• The debt ceiling debate
• Current monetary and fiscal stimulus
• When to roll your 401k to an IRA
• 401(k) rollovers and net unrealized appreciation
• When not to Roll your 401(k) to an IRA
• Estate planning mistakes with IRAs and 401(k)s
• The importance of considering a Roth conversion

Email your money question to chad@newfocusfinancial.com, or call the show at 1-800-516-1220 from 1:00 p.m. to 2:00 p.m. (PDT)

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

Commercial-Free

Guest host, Rob Black, of Rob Black & Your Money fills in for Chad Burton and discusses the latest Federal Reserve news, including the new Fed chair, Janet Yellen. Rob also discusses how the future of the economy isn't as bright as the past, and tips for young professionals.

Email your money question to chad@newfocusfinancial.com, or call the show at 1-800-516-1220 from 1:00 p.m. to 2:00 p.m. (PDT)

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

Commercial-Free

Guest host, Rob Black, of Rob Black & Your Money fills in for Chad Burton and breaks down the big stories of the day including SPDRs, Exchange Traded Funds, the Tesla fire, government shutdown, and debt ceiling.

Email your money question to chad@newfocusfinancial.com, or call the show at 1-800-516-1220 from 1:00 p.m. to 2:00 p.m. (PDT)

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

Commercial-Free

Chad Burton, CFP®, discusses how the government shut down has affected the market. Chad also discusses:

• How DOMA has affected retirement plans for same sex married couples
• 529 plans and saving for college
• Required Minimum Distributions if you are still working past age 70
• Risk planning and reviewing insurance for high net worth families

Email your money question to chad@newfocusfinancial.com, or call the show at 1-800-516-1220 from 1:00 p.m. to 2:00 p.m. (PDT)

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

Commercial-Free

Guest host, Rob Black, of Rob Black & Your Money fills in for Chad Burton today and welcomes Tony Mendes, Branch Manager of BayAreaLoanSource.com. Rob and Tony break down the current job market. Rob and Tony also discuss where the economy is heading and the big stories of the day.

Email your money question to chad@newfocusfinancial.com, or call the show at 1-800-516-1220 from 1:00 p.m. to 2:00 p.m. (PDT)

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

Commercial-Free