The US stock market looks great right now, but as always things ebb and flow. In the long run, the US has great demographics. Baby Boomers are set to inherit a large amount of money that will filter back into the economy, businesses and stock experienced some good deregulations, and the USMCA trade deal went through. Always remember that market dips and corrections shake out the weak investors. Other topics include:

• Should this couple forfeit pretax 401k contributions in favor of a Roth 401k?
• Estate planning and the SECURE Act
• Improving your sleep
• Social security scams

Please join Rob Black and I for our Retirement Income and Tax Planning Seminar at the Palo Alto Elks Lodge next 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.

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.

What will happen to your elderly, ailing parent who doesn’t have an estate plan in place? Is a TOD designation enough to avoid probate courts? Why does your parent need a trust with a health care directive and durable power of attorney? What do I need to do after my parent passes away? Other topics include:

• Getting your financial and digital assets in place for your surviving spouse
• Steven in San Leandro calls in to discuss long term care insurance policies
• Wells Fargo investment accounts and Y-shares
• Different levels of diversification

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.

Estate planning has seen some major changes over the last 20 years. I cover the top ways to tell if you have an estate planning problem and ways to avoid family destruction from poor planning.  Are online will and trust services a good idea?  Is a trust the only way to avoid probate? What is a Transfer On Death Deed?

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.

Today I go through important yet basic estate planning documents including wills, living trusts, health care directives and durable power of attorney. I also explain how living trusts negate expensive probate costs among other benefits while addressing several common questions:

• Which estates need probates
• Generation skipping trusts
• How to create a living trust and what should be under the name
• Pour-over will
• Common trust mistakes such as not taking care of your digital assets
• Advanced estate planning ideas

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.

A living trust is supposed to save your family from paying excessive taxes after you pass. But if you have a trust made before 2012 that you haven't reviewed, beware! Chad Burton, CFP^®, and Rob Black discuss why out-of-date trusts could end up costing your heirs even more.

Commercial-Free

Did Prince die without a will? I explain how the IRS views and handles estates that continue to make money after death like Michael Jackson and Elvis. I then move on to real estate in the Bay Area explaining the issue with all cash foreign buyers, lower tax benefits and the lack of millennial buyers who can afford home loans; all of which concern me. I also talk about rates of return and average market history and then transitioning from accumulation phase to distribution phase.

Don't forget about our upcoming seminar at Four Points by Sheraton San Jose Airport on May 19th where Rob Black and I will explain how to build a retirement portfolio that lasts. 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.

Estate planning attorney Michelle Lerman calls in and tells us about options for the new Transfer-On-Death Deed (TOD) and if a living trust is still the best option for leaving your home to an heir. She then walks us through the steps for setting up a TOD Deed and mentions several pros and cons. We also discuss the new California Law giving rights to the terminally ill patient to request life ending treatments.

Later on I discuss things to consider as you file taxes such as state sales tax deduction, child care and the American opportunity tax credit. A caller asks for my opinion about safe money invested in two different funds. I also explain new "computer" benefits for 529 college savings plans and I discuss what index beating active mutual funds have in common.

Don't forget about our upcoming seminar at Four Points by Sheraton San Jose Airport on May 19th where Rob Black and I will explain how to build a retirement portfolio that lasts. 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.

Estate planning attorney Michelle Lerman calls in and tells us about options for the new Transfer-On-Death Deed (TOD) and if a living trust is still the best option for leaving your home to an heir. She then walks us through the steps for setting up a TOD Deed and mentions several pros and cons. We also discuss the new California Law giving rights to the terminally ill patient to request life ending treatments.

Later on I discuss things to consider as you file taxes such as state sales tax deduction, child care and the American opportunity tax credit. A caller asks for my opinion about safe money invested in two different funds. I also explain new "computer" benefits for 529 college savings plans and I discuss what index beating active mutual funds have in common.

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.

Today Michelle Lerman calls in and tells us the story of a major retirement account beneficiary form mistake. Michelle also gives us some great advice on how to handle estate planning with digital assets such as Facebook. I give an overview of what to expect at Thursday’s seminar and break down why oil is creating global uncertainty. Does the sell-off in oil remind me of the 2008 credit crisis? I also talk about 529 plans and how grandparents unknowingly have a negative effect on the FAFSA application. Don't make mistakes when helping to save for college! I also cover an article about active investing in this recent downturn and give some advice to a caller whose daughter wants to invest $5,000, but doesn’t know where.

Don't forget to register for our 10 Pillars of Retirement seminar on January 28th at the Elks Lodge in Palo Alto . Rob Black, Michelle Lerman and I will explain several issues that will increase your chances at an enjoyable retirement. Tickets are only $5 and begins after work at 6:30 p.m. this Thursday, 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.

Estate planning attorney Michelle Lerman calls in to tell us how to avoid family disputes using Robin Williams’ estate as an example. I also discuss 12 Common tax return mistakes and dangerous assumptions when calculating your retirement savings.

Encore presentation

To sign up for our webinar on Thursday, February 26, click HERE.

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

Estate planning attorney Michelle Lerman calls in to tell us how to avoid family disputes using Robin Williams’ estate as an example. I also discuss 12 Common tax return mistakes and dangerous assumptions when calculating your retirement savings.

To sign up for our webinar on Thursday, February 26, click HERE.

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

Today's show is all about how to talk to your spouse about money.  I discuss budgeting, rules for “money meetings”, leaving money to children, blended families and paying for college.

To sign up for the upcoming seminar with Rob Black and I, click HERE.

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

Today I discuss several aspects of estate planning with guest Michelle Lerman of Lerman Law Partners, LLP. I also cover topics such as: Q-Tip trusts, who you do, and don’t want to be the conservator of your trust, and a listener question about dynasty trusts.

And much, much more!

To sign up for our upcoming seminar, click here.

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 I cover the market numbers from this quarter and how they impacted your portfolio as well as 5 of the most common threats to your family’s wealth. I also cover:

• Deadlines for Roth IRA re-characterizations
• Taxes in retirement
• Biss Gross from Pimco
• And much, much more!

To sign up for our upcoming seminar, click here.

 Encore presentation

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

Michelle Lerman and I discuss estate planning for Blended Families including tools such as Protection trusts and Dynasty Trusts.  I also discuss the alarming rate at which younger people are cashing in their 401ks when they switch jobs and your Q4 financial To Do List.

To sign up for our upcoming seminar, click here.

Email your money question to chad@newfocusfinancial.com , or call the show 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

Today I talk to Michelle Lerman who calls in for National Estate Planning Week. We also discuss:

• Other events you need to consider in your estate plan, like re-marriage, lost documents and non-spousal beneficiaries
• Estate taxes and how Prop 13 factors into your estate plan
• The estate plans of famous people who had great and awful estate plans.
• I take call about the payment terms of an inherited property.
• That and so much more!

To sign up for our upcoming seminar, click here.

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

Some topics from today’s show include:

• GoPro stock reels from bad publicity
• Small cap stocks take their biggest tumble since 2005
• Estate planning and brokerage accounts
• Best places to park cash
• I take a call about a universal life insurance policy
• Educations tax credits and 529 plans
• and much, much more!

To sign up for our upcoming seminar, click here.

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

Many baby boomers will eventually be tasked with cleaning up the estate of a deceased parent or other relative. In this podcast, Chad Burton, CFP^®, discusses how to overcome the challenge of sorting through mounds of paperwork while also dealing with grief over the loss of a loved one.

Commercial-Free

Today's show focuses on estate planning and how to keep family money from passing into the wrong hands. With commentary of topics such as:

• Why there is no such thing as a permanent estate planning law with Michelle C. Lerman
• Chad discusses bitcoin's victory in California
• A listener calls in with a question about lending money to grandkids
• A guide to target date funds
• That and much, much more!

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 gets tips from Money 2.0 hosts Tony Mendes and Chad Burton. With topics such as:

• Ways to avoid paying a traditional 30-year mortage, with input from Tony Mendes, host of "The Real Estate Report".
• Tips on real estate investing and what you need to know as an investor or buyer
• Chad Burton on why perception is key in managing your portfolio
• Why families are moving to San Francisco
• And much, much more!

Email your money question to chad@newfocusfinancial.com 

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

Commercial-Free

Chad Burton, CFP®,  guest today was estate planning attorney Michelle Lerman of www.LermanLaw.com.  Topics they discussed:

  *  How to avoid probate costs
  *  How to leave IRA's to children
  *  Avoiding spoiling your children with inheritance
  *  Charitable remainder trusts
  *  Millennial’s perceive financial freedom

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.

Chad Burton, CFP®, discusses Paul Walker's estate planning, and how it's never too early to create an estate plan, as well as:

• New share buy-back ETF's
• Unconstrained bond funds
• Interesting tax deductions
• Questions to ask your CPA during tax time

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

Dealing with the death of a loved one is difficult—not to mention figuring out how to handle their estate. In this podcast, Chad Burton, CFP®, and Rob Black provide you with a basic understanding of what to expect when handling a loved one's will and estate.

Commercial-Free

Chad Burton, CFP®, welcomes Michelle Lerman, Estate Planning Attorney, of Lerman Law Partners, LLP. Michelle discusses payable on death accounts vs. living trusts. Chad also discusses:

• When single people should not take social security
• Fiduciary CFP®'s vs. a CFP that sells product for a commission
• Fixing your 401k allocation with contributions
• Emerging markets and the strength of the US dollar

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

When taxes go up, charitable giving tends to go down, but high-income taxpayers have an option that can help them give more to charity and decrease their taxes. In this podcast, Chad Burton, CFP®, and Rob Black explain how establishing a charitable remainder trust can reduce your taxes, provide you with income for life and allow you to leave money to a charity after you die.

Commercial-Free

Chad Burton, CFP®, discusses estate planning even if you don't have heirs. Chad also discusses:

• Q3 earnings update
• Apple earnings
• India currency issues
• Fidelity's new low cost sector ETFs
• Tax efficient saving for beginners
• Paying off student loans
• Does owning rentals mean you don't need bonds?
• Does paying off a mortgage ever make sense?

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

Even if you think you're not wealthy, you may end up leaving a lot of money to your kids through employer life insurance policies and other assets. But if you don't plan ahead, your children may squander those funds. In this podcast, Chad Burton, CFP®, and Rob Black explain why you need an estate plan to protect your kids and help them learn to be independent.

Commercial-Free

Estate planning nightmares don't just happen to the very rich. In this podcast, Chad Burton, CFP®, and Rob Black talk about some of the mistakes people make with estate planning, from not updating beneficiary designations or failing to designate who should receive precious family heirlooms. Then, they offer tips on how to leave a positive, lasting legacy, no matter how wealthy you are.

Commercial-Free

Chad Burton, CFP®, discusses the importance of updating your estate plan as tax laws, financial situation, and other life events change. Chad also breaks down the current market numbers and 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

Chad Burton, CFP®, welcomes Michelle Lerman, Estate Planning Attorney, of Lerman Law Partners, LLP. Michelle discusses the top issues of estate planning so you can protect your assets.

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 updating your trust and being aware of the issues that your kids are dealing with so that their inheritance gets properly managed.

Chad also takes your calls, emails and answers your money questions such as:

• Paying off a mortgage or applying it to a 401(k) if you have extra money
• Student loans
• Knowing if you’re ready for retirement
• Modified endowment
• Available options if your job has no pension plan

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 estate planning and how to save on estate taxes. Chad also breaks down the market numbers and 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.

Chad Burton, CFP®, welcomes Michelle Lerman, Estate Planning Attorney, of Lerman Law Partners, LLP. Michelle discusses the various aspects of estate planning and shares tips that will help families plan their estate.

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.

Before you buy a vacation home, you need to consider a number of factors, including whether it fits with your overall financial plan, how often you’ll use it and its potential as a rental property. In this podcast, Chad Burton, CFP®, reviews the ins and outs of buying vacation property, including the importance of working with your CPA to project the tax impact of buying property, determining if you can afford to take on another mortgage, and choosing the right location for your second home.

www.NewFocusFinancial.com
1-888-762-2423

In this episode, Chad Burton, CFP®, focuses on estate planning and what you need to know based on the recent tax code changes. Topics with guest estate planning attorney, Michelle Lerman, (www.LermanLaw.com) include: Essential changes you should consider making to your trust documents, how a living trust can actually increase costs and expenses when not drafted properly, the biggest mistakes people make with their living trust and how to avoid them, the best way to protect your children with your living trust, how "living trust mills" cause more problems than they solve and what to tell your parents so you are protected. Chad also touches on estate planning topics for the wealthy, including: Dynasty trusts, spousal trusts, 529 plans, Charitable Remainder Trusts and how to pick the proper trustee.

www.NewFocusFinancial.com
1-888-762-2423

Without proper estate planning, you put your wealth at risk. In this podcast, we discuss why you need to review your estate plan with an attorney every two years, the importance of long-term financial planning projections, and how a will and trust can help protect your family.