There are a myriad of things to think about, discuss and plan for before you retire. Checklists help you get organized and provide a great starting point before you go see your Certified Finical Planner ™. Today I discuss what is on my retirement plan checklist.  Email me for a copy Chad@ChadBurton.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.

Retirement has a new look these days and it pushes back against the conventional images our parents and grandparents envisioned. Lazy days on the beach have been replaced by volunteer work and part time jobs resulting in a lifestyle where retirement has more to do with flexibility and making the most out of your second half. Other topics include:

• Owning a second home
• Diet fads & proper HSA account usage
• What are the fees in your 401k and should you continue to add to it

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 2017 the tax act and now the SECURE Act changed the way you should plan your retirement income. Today it’s all about major threats to your retirement, how to deal with them and the clarity a financial plan should deliver.

There's still time to sign up for our Retirement Income and Tax Planning Seminar at the Palo Alto Elks Lodge tomorrow, 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.

A new year means new tax numbers. Retirement planning has seen some major changes over the last 3 years, and it’s likely you will need to revise your plan. Do you know if you are truly ready to retire? Today I update the readiness tests that predict how happy your retirement will be. Topics include:

• Passing the linear cash flow model
• Testing your portfolio for major market corrections & retesting risk tolerance
• What accounts do you draw from first?
• Three years worth of safe money
• Monte Carlo simulation
• Long term care planning
• Practicing a happy retirement

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.

New Year, New You. It’s the promise we’ve all made to try and better ourselves. Today I challenge you to stop making these financial mistakes. Topics:

• Ignoring risk in your portfolio
• Sector diversification
• Falling for the sales pitch
• Creating retirement income budget
• Intermittent fasting & bulletproof coffee

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

On December 23rd Trump signed the SECURE Act into law. The passing of this act acknowledges that people are drastically underprepared for retirement and will need to be able to work longer and save more. New RMD rules and losing the stretch IRA are just two new changes coming to your retirement plan. Today I tell you all about the SECURE Act and all the ways it can change your retirement 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.

It’s the final month of 2019 so keep in mind there are year-end tax issues to deal with. Many self-employed sole proprietors may need to ditch the SEP and set up an individual 401k before 12/31. Discuss with your CPA or advisor ASAP or email Chad@ChadBurton.com. There is also tax lost harvesting, RMD’s and gifting strategies to think about. Are you ready for 2020 or will you be scrambling when the New Year rings in? Other topics include:

• Legally avoiding capital gains on appreciated stock
• Social Security’s 10 Most Confusing Rules
• 10 Common Misconceptions About 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 year will be over before we know it and you have less than two months to make any major tax moves. There is not enough proactive planning by people these days to take advantage of the opportunities out there. Today I cover year-end tax planning strategies. Topics include:

• The negative effects of historically low interest rates on retirees
• The long term care disaster
• How tax cuts changed planning

Retirement planning is more complicated than ever. Please join Rob Black and I for our Retirement and Income Planning seminar this Thursday, November 14, 2019 in Burlingame. 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.

Planning for retirement is goes beyond making sure you have enough money that’ll last. So much of retirement is finally making that decision to quit working no matter how daunting that next phase of life can be. Today it’s all about preparing for every aspect of retirement. Topics include:

• Financial readiness tests and myths
• Retirement fears and anxiety
• Dealing with health limitations
• Adult child dependency
• Cash flow planning
• Medicare and HSA plans

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.

Max out your 401k, get the employer match and save on taxes – this is 100% the most basic retirement planning advice everyone should follow unless it is keeping food off the table. Knowing what to do next with your excess cash flow can be quite perplexing to the point where you could make mistakes, like investing in life insurance. Today I discuss how to build your financial base once you’ve already maxed out your 401k.

Managing your money can be complicated. Join Rob and I for one of our two Wealth Building & Retirement Planning Seminars on September 21st. 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.

Regular exercise and a proper diet are a key part of any retirement plan. Saving up a huge pile of money is no good if you end up spending most of it on doctor visits and prescriptions instead of vacations and grandkids. Do what you want in retirement simply because you can by focusing on your health before its too late! If you can do this the rest of your planning all falls under our 10 Pillars of Retirement Income Planning downloadable.

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.

Planning for retirement is more complicated than hitting that magic number between 1.5-2 million. Real planning and projections change every few years with the economy and financial Alzheimer’s can lead even educated individuals to make mistakes when the markets are exceptionally good or bad. That’s why we battle test your portfolio with Six Tests to determine if your portfolio will outlast you.

• Linear cash flow model
• What is your risk tolerance
• How to get through difficult market cycles
• Monte Carlo simulation
• Taxes
• Long term care simulation

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 video of a 102 year old man participating in the 100 yard dash has gone viral. With the way medicine is advancing this could easily be the future for any of us. Part of getting there will mean having a portfolio set up that will outlive you. Are you prepared for a future where more people reach this major milestone? Today I explain the top reasons why you need a detailed financial plan going into retirement.

Join Rob Black and I for our Retirement Income and Tax Planning seminar at the Elks Lodge in Palo Alto this Thursday, July 11th. Registration is only $25 so 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.

You’ve heard me say it several times before, timing the market really is a terrible strategy no matter what age you are. Not only do you have to get out and back in at the right time, retirees also have to make up the money they lost from dividends and interest during those years. Ignore your gut and don’t sell when things are scary. It’s just not worth it. Topics include:

• Benefits of the passive income stock dividends provide
• Estate planning for a special needs family member
• How fancy do you need to get when it comes to your estate plan?
• Caring for your aging parents

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

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

When I got into the business 25 years ago the 10 year treasury was near 6% and retirees typically held a 50/50 stock to bond allocation. Although most of America is enjoying low inflation on most items, low rates on bonds and CDs along with  high healthcare costs are hurting retirees. Be careful with your projections! Traditional projections just don’t work well in today’s market.  Do you need to adjust your retirement strategy to deal with low rates for the foreseeable future?  Other topics include:

• Monitoring your withdrawals in retirement
• Should you pay off your mortgage before retirement?
• What to do after paying off your mortgage

Join Rob Black and I for our Retirement Income and Tax Planning Seminar at the Toll House Hotel in Los Gatos this Thursday, May 16th. Click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

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

Way back in 2017 I shared and article which stated that out of 35 million retirees, 7 million suffer from some sort of depression. Since then 10,000 baby boomers have turned 65 every day and without any real savings or mental preparation it’s easy to see why alcohol and prescription medicine dependency is on the rise amongst seniors. Having a retirement plan can help ensure a better future. Are you ready? Other topics include:

• Dumb retirement mistakes

Join Rob Black and I for our Retirement Income and Tax Planning Seminar at the Toll House Hotel in Los Gatos next Thursday, May 16th. Click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

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

Whenever the market starts to hit high points people immediately begin to wonder if they should pull out of the market. My response: “Get used to it! You are going to spend roughly 70% of your life sitting at all time stock market highs. While the S&P 500 returned to September highs small cap stocks have a ways to go. Other topics include:

• The value of having a retirement plan
• How and why to donate out of your IRA after age 70
• Analyzing your retirement tax planning strategy
• Mutual Funds vs. ETF’s –Which is better for taxes?

Join Rob Black and I for our Retirement Income and Tax Planning Seminar at the Toll House Hotel in Los Gatos on Thursday, May 16th. Click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

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

The top fear people have in a low rate environment is running out of money. Historically bonds have yielded over 4-5%. Current bond yields are much lower which is affecting the way we plan for retirement. Major advancements in medicine/longevity are happening every day. Can your portfolio survive as long as you do? Other topics include:

• Are you ready fore retirement? 6 tests you must pass
• What is the difference between the S&P 500, Dow and Nasdaq
• Roth IRA and backdoor Roth IRA strategies
• Basic 529 plan facts

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.

There have been rolling corrections in different sectors and in different stocks making this month tough on investors following the large Q3 returns. Is now the time to become more conservative or simply ignore the headlines? Today I discuss:

• Troubling media headlines and geopolitical events
• Sheltering yourself from the chance that stocks and bonds decline at the same time in retirement
• Paying down debt as a way to become more conservative
• Comparing retirement withdrawal strategy articles

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.

Studies show that an alarming 1/3 of millennials have robbed their retirement accounts between 2001 and 2017. If this isn’t proof that we haven’t taught our children the importance of saving and how to go about it then this epidemic will only get worse and everyone will pay for it. Today I discuss how saving early can make you major retirement bucks. Other topics include:

• The difference between IRA’s & Roth IRA’s
• Good annuity situations & what to do with bad annuities
• Who should Mark open a Roth IRA with and what mutual funds or ETf’s do I recommend for new investors?
• Paying quarterly taxes overseas

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 visitwww.NewFocusFinancial.com.

Studies show that an alarming 1/3 of millennials have robbed their retirement accounts between 2001 and 2017. If this isn’t proof that we haven’t taught our children the importance of saving and how to go about it then this epidemic will only get worse and everyone will pay for it. Today I discuss how saving early can make you major retirement bucks. Other topics include:

• The difference between IRA’s & Roth IRA’s
• Good annuity situations & what to do with bad annuities
• Who should Mark open a Roth IRA with and what mutual funds or ETf’s do I recommend for new investors?
• Paying quarterly taxes overseas

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 lack of basic financial education in high school grads is simply mind-blowing. The idea of paying yourself first and investing for getting yourself on track for retirement just doesn’t exist. With over 60% of Americans drastically underprepared for retirement I share basic investing strategies that make all the difference. Other topics include:

• Should you consider robo retirement advice?
• Estate planning
• Switch from a S-Corp to a C Corp
• Asset location and asset allocation
• Prenups

Retirement planning is more complicated than ever, and it can be hard to even know where to begin. Please join me at the Retirement Income and Tax Planning Seminar on September 20th at the Toll House Hotel in Los Gatos. Registration is only $25 so 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.

Rather than the typical summer downturn, we are seeing record highs. In fact revised GDP numbers show the economy to be growing at 4.2%. Should you be thinking about potential bubbles? Today I explain why the current market is not similar to the market that led to the Great Recession and share my Top 10 Retirement Mistakes.

Retirement planning is more complicated than ever, and it can be hard to even know where to begin. Please join me at the Retirement Income and Tax Planning Seminar on September 20th at the Toll House Hotel in Los Gatos. Registration is only $25 so 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.

Rather than the typical summer downturn, we are seeing record highs. In fact revised GDP numbers show the economy to be growing at 4.2%. Should you be thinking about potential bubbles? Today I explain why the current market is not similar to the market that led to the Great Recession and share my Top 10 Retirement Mistakes.

Retirement planning is more complicated than ever, and it can be hard to even know where to begin. Please join me at the Retirement Income and Tax Planning Seminar on September 20th at the Toll House Hotel in Los Gatos. Registration is only $25 so 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.

“What do you want to do when you retire?” It’s a question I ask where too frequently the retiree ends up doing something completely different from what they thought they would be doing. The Honey-Do list keeps most retirees busy in the first days and prevents them from finding what they really are going to do with their time. Today I talk about retirement preparedness through practice. Other topics include:

• Retirement introverts
• Q2 earnings, revenue and tax cuts – what companies expect going forward
• What is driving indexes today
• Cryptocurrency platform for equity trusts
• Catching up on retirement savings

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

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

When I got into the business 24 years ago the rate on the 10 year treasury was around 6.6%. Today we just hit 3% so how will that affect your bonds? Other topics include:

• What is preventing rates from rapidly rising?
• Passive investing issues – could indexing be creating a bubble in certain stocks?
• Taxpayers will owe more in 2019 due to under withholding – California and Oregon are you withholding enough taxes?
• How does the increasing trillion dollar deficit factor into future prospects?
• Long term care insurance planning
• Life insurance policies with long term care and sleazy insurance agents

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.

Over 25+ years I’ve seen plenty of horrible money mistakes that destroy your chances at retirement. In the second half of today’s podcast I share major money mistakes that can really hurt you down the road. I also share good money habits such as accumulating positive cash flow assets. Other topics include:

• Financial Choices You'll Regret
• Prepaying down mortgage vs. investing capital
• Six retirement tests to do before you retire
• Not getting sold on bad investment products
• Active vs. passive investing

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.

There are two headlines you keep hearing right now: “bear market for bonds” and “soon-to-be wage inflation”. If you listen closely you’ll also hear that we are in a goldilocks phase that reminds me of the late 90’s. Today I explain what it means when you hear analyst talk about soon-to-be bear markets and what it means for your retirement plan. Other topics include:

• 5 reasons why tax cuts may not fuel the market as well
• Quit buying funds that preformed best last year
• Options as you approach retirement
• The 20th birthday of the 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.

While everyone was out enjoying their MLK holiday the financial industry was buzzing over new reports. Would you be able to survive retirement with a 60/40 US stock-bond portfolio? Today I discuss the calls for historically low average returns and the flattening of the yield curve. Other topics include:

• Roth 401k funding & Roth conversions as you retire
• Situations where reverse mortgages work
• Is a 1031 exchange the right move for this SF landlord searching for better yield?

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.

How has retirement planning changed based on the new tax code? Whether you have questions about the potential 20% of net income deduction on real estate or how the phase out works, the new tax code needs clarification. Other topics include:

• Where to stash safe money inside your IRA
• Will retirees be in a rush to leave California? Is California real estate doomed?
• The take home pay retirement test
• Changing the way you donate under the new tax code
• Reducing single company stock exposure and save taxes with a charitable remainder trust
• Updating your estate plan

Retirement planning is more complicated than ever, but focusing on a few essential issues can help increase your chances of enjoying a secure future. Please join Rob Black, Michelle Lerman and I for our Retirement Income Strategies and Estate Planning Seminar at the Palo Alto Elks Lodge this Thursday, January 11th. 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.

Unemployment nears 4% and the consumer-price index reads a tame 2.2%. With unemployment near 4% we should have seen an increase in wage inflation. What will the Feds do with rates? Other topics include:

• Understanding the new tax plan
• A preview of tonight’s 10 Pillars of Retirement Income Planning webinar
• Generational differences in spending

Join Chad Burton, CFP^®, and Rob Black for a discussion on the issues that can affect your retirement plan. Click HERE to register for tonight's 10 Pillars of Retirement Income Planning webinar at 7:00 pm. 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.

Vanguard (the king of passive index fund investing) is expanding its presence in active funds, launching 6 factor based ETF’s and 1 factor based mutual fund. Today I explain factor based funds and their place in your portfolio. Other topics include:

• Goldman Sachs predicting a bear market
• Women’s retirement issues
• Bad market calls (that cost money even when they are right)
• Charitable giving

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 on 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.

At 2 p.m. the Feds will announce their plans to unwind the balance sheet and not let interest rates that affect the overall economy go up too quickly. Today I look at how the world is affected by a dollar that gets too strong due to rapidly increasing interest rates. Other topics include:

• Borrowing on your 401k for the purchase of a first home
• Common retirement concerns
• The city is buying Tom’s house. How much should he put into his portfolio vs. his next home?
• Challenging the 4% rule –What is the proper stock vs. bond allocation for someone going into retirement?

Retirement planning is more complicated than ever, and it can be hard to even know where to begin. But focusing on a few essential issues can help increase your income in retirement and your chances of enjoying a secure future. Click HERE to sign up for our 10 a.m. seminar at Four Points by Sheraton on September 9th!

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.

How do interest rates and credit cycles affect the economy? With improved market numbers and rates finally starting to rise, how will the Federal Reserve act under Trump? The situation of one woman showcases this nasty social security side effect of divorce. What is a collaborative divorce, how does it work and when does it not work? I also discuss Backdoor Roth IRA strategies and this retirement IQ survey by Fidelity –is your financial IQ on track?

Whether you're 20 or you're 60, managing your money can get complicated. Please join us for one of our two seminars to learn strategies that can help you build wealth, invest confidently, retire better, and pass on your estate while minimizing taxes. 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 visitwww.NewFocusFinancial.com.

Encore Edition

How do interest rates and credit cycles affect the economy? With improved market numbers and rates finally starting to rise, how will the Federal Reserve act under Trump? The situation of one woman showcases this nasty social security side effect of divorce. What is a collaborative divorce, how does it work and when does it not work? I also discuss Backdoor Roth IRA strategies and this retirement IQ survey by Fidelity –is your financial IQ on track?

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.

How do interest rates and credit cycles affect the economy? With improved market numbers and rates finally starting to rise, how will the Federal Reserve act under Trump? The situation of one woman showcases this nasty social security side effect of divorce. What is a collaborative divorce, how does it work and when does it not work? I also discuss Backdoor Roth IRA strategies and this retirement IQ survey by Fidelity –is your financial IQ on track?

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 start off by talking about a few products you need to know about when going into retirement explaining which are good and which you should avoid. I then explain changes to filing and suspending social security as the deadline approaches. I also discuss when and when not to rollover your 401k and avoiding estate planning nightmares.

Join Rob Black, Michelle Lerman and I at our next retirement seminar starting at 6:30 p.m. on Thursday, March 9th 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 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

New fiduciary rules from the Department of Labor were set to take effect this April, but are causing friction in the White House. Will these new rules and regulations force all financial advisors to work in your best interest? Who is fighting these new regulations and why? Other topics include:

• Horrible index life insurance television advertisements disguised as an investment
• Which accounts to draw from first in retirement
• Protecting your assets if you share your home via Airbnb, VBRO and others
• History of major stock market drawdown's and how they can affect your retirement
• What is an IRA Trust?
• Retirement and estate planning strategies for your child with special needs

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.

Investing for retirement income today is harder than when I started 23 years ago. Bonds and CD rates are near historical lows and retirees are being bombarded with “alternative Investments”. It can be hard to distinguish the difference between good and bad retirement products.  Sign up for next week’s Berkeley event to make sure you have a proper strategy in place and a fiduciary on your side.  Specific topics for today include:

• Retirement product warnings
• Reverse mortgages
• QLAC’s- Qualified Lifetime Annuity Contract
• Indexed annuities
• New versions of long term care insurance
• Permanent life insurance
• Structured notes
• Maximizing social security income

Join Rob Black, Michelle Lerman and I at our next retirement seminar starting at 11:00 a.m. on Thursday, February 9th at Double Tree by Hilton Berkeley Marina. Click HERE to sign up and use code RETIREMENT123 for free entry! 

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.

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 fear keep you hiding behind “safe” companies? Rob Black reminds us to plan with these financial golden rules in mind and cut down on mistakes. Do not become another person who regrets not planning their retirement early enough. Other topics include:

• Dealing with disagreeable markets
• Interest rates, taxes and more –Can you truly afford a home?
• How your career translates to your retirement
• Budgeting your way to retirement

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.

Thanksgiving Encore

Paul Ryan is reconfirmed as Speaker of the House, but has a drastically different outlook on trade than Donald Trump. How will trade agreements and emerging markets be attacked in the future? I also provide a quick rundown of what will be discussed at this Thursday’s 10 Pillars of Retirement seminars such as fighting IRA traps. Our Wealth Management provides more details on how to set up and balance portfolios in a way that manages your risk and downside. Other topics include:

• How Trump might change retirement for Americans
• Junk bond ETF’s and my fears of liquidity
• Post-election markets that are getting hit hard

Join Rob Black and I at one of our retirement workshops at the Elks Lodge in Palo Alto this Thursday. Admission is only $5 to learn about current market conditions, retirement planning issues and estate planning strategies. 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 fear keep you hiding behind “safe” companies? Rob Black reminds us to plan with these financial golden rules in mind and cut down on mistakes. Do not become another person who regrets not planning their retirement early enough. Other topics include:

• Dealing with disagreeable markets
• Interest rates, taxes and more –Can you truly afford a home?
• How your career translates to your retirement
• Budgeting your way to retirement

Join Rob Black and I at one of our next retirement workshops at the Elks Lodge in Palo Alto. Admission is only $5 to learn about current market conditions, retirement planning issues and estate planning strategies. 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.

Stocks, bonds and real estate are up, but low rates are presenting significant issues for retirees. I explain the Monte Carlo simulation technique used to understand risk of failure and dissect retirement income strategies that may get you through a low rate environment. Other topics include:

• Considering HSA plans
• I present different scenarios to a listener concerned about his fathers’ reverse mortgage strategy
• IRS scams, cyber security and password protection
• Using reverse mortgages in a retirement plan
• Email asking which stocks I own

Register for the Quickbooks Connect event where Rob Black and I will be speaking. Use the password: connect to save 50% on the registration fee!

Join Rob Black and I at one of our next retirement workshops at the Elks Lodge in Palo Alto. Admission is only $5 to learn about current market conditions, retirement planning issues and estate planning strategies. 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

Rob Black and I don’t depend on big name companies for a retirement plan; we created our own businesses and did it for ourselves. Most people don’t know business owners need to make 25-30% more money just to break even when transitioning from owner to employee. They often end up doing double the work without receiving double the pay because they failed to have a business plan in place. Other topics include:

• Personal disability insurance and overhead disability insurance –which can you write off?
• Succession plans
• Owning a diversified portfolio not related to your industry
• Investment mistakes –putting away money pretax, creating liquidity and funding the correct retirement plan
• Investing tax efficiently
• Insurance agents who pitch investment plans
• Obligations HR must enforce

Register for the Quickbooks Connect event where Rob Black and I will be speaking. Use the password: Connect to save 50% on the registration fee!

Join Rob Black and I at one of our next retirement workshops at the Elks Lodge in Palo Alto. Admission is only $5 to learn about current market conditions, retirement planning issues and estate planning strategies. 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.

Stocks, bonds and real estate are up, but low rates are presenting significant issues for retirees. I explain the Monte Carlo simulation technique used to understand risk of failure and dissect retirement income strategies that may get you through a low rate environment. Other topics include:

• Considering HSA plans
• I present different scenarios to a listener concerned about his fathers’ reverse mortgage strategy
• IRS scams, cyber security and password protection
• Using reverse mortgages in a retirement plan
• Email asking which stocks I own

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.

How much money will you need to retire? Rob weighs in on retirement planning mistakes which includes fixed and variable budgeting, optimizing your income gap and red flags you can’t afford a mortgage. Also in discussion:

• Delta Airlines going offline for 3 days
• Mortgage myths
• Financial problems that arise as you age

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 editon

Today I explain to Rob how credit and inflation cycles affect the 4% withdrawl rate in retirement and why you need to constantly track your expenses, returns and net worth in retirement. I discuss what you should cover in a financial review and respond to questions on:

• How to simplify taxes and withholding in retirement
• Paying taxes in retirement
• Is real estate an attractive investment right now?
• Owning REITs vs. apartment buildings
• Cashing in a $2 million life insurance policy bought in a trust (ILIT)10 years ago

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

Do you hold stock through your company? I share how to handle stock when approaching retirement, the number 1 rule for stock option planning and basic types of stock options. I also explain when you should consider selling and how to correctly report taxes so you don’t end up paying twice. Other topics include:

• Flip-flopping passive and active investment strategies
• Jamie asks a question about getting her parents to qualify for MediCal
• Working past 70 ½ and rules for contributing to IRA’s
• ABLE Accounts, a 529 type plan for individuals with special needs
• Where to hold safe money when most of your retirement assets are in a 401k
• A concerning question about the best investment sectors for couples close to retirement

Don’t forget to register for our Retirement & Wealth Preservation seminar on September 10 at Four Points by Sheraton in San Rafael where Rob Black, Michelle Lerman and I will cover strategies to help with complicated retirement wealth and estate plans. 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.

Encore edition

How much money will you need to retire? Rob weighs in on retirement planning mistakes which includes fixed and variable budgeting, optimizing your income gap and red flags you can’t afford a mortgage. Also in discussion:

• Delta Airlines going offline for 3 days
• Mortgage myths
• Financial problems that arise as you age

Don’t forget to register for our Retirement & Wealth Preservation seminar on September 10 at Four Points by Sheraton in San Rafael where Rob Black, Michelle Lerman and I will cover strategies to help with complicated retirement wealth and estate plans. 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.

Encore edition

Today I explain to Rob how credit and inflation cycles affect the 4% withdrawl rate in retirement and why you need to constantly track your expenses, returns and net worth in retirement. I discuss what you should cover in a financial review and respond to questions on:

• How to simplify taxes and withholding in retirement
• Paying taxes in retirement
• Is real estate an attractive investment right now?
• Owning REITs vs. apartment buildings
• Cashing in a $2 million life insurance policy bought in a trust (ILIT)10 years ago

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.

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.

How much money will you need to retire? Rob weighs in on retirement planning mistakes which includes fixed and variable budgeting, optimizing your income gap and red flags you can’t afford a mortgage. Also in discussion:

• Delta Airlines going offline for 3 days
• Mortgage myths
• Financial problems that arise as you age

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.

Rob Black steps in again and begins today’s show by explaining why you should invest in term life insurance instead of variable or whole life insurances. He then discusses multiple tactics that get you to retirement including using budgeting sites like Mint or Nerd Wallet and not wasting college money on useless degrees.  He also tells the story of how he and I met to explain what a CFP gets you that books won’t before wrapping up with some important tips he feels everybody should follow.

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 rant about the uselessness of the new government created myRA program and its regulations. I also discuss:

• Phasing into retirement vs. a specific date you completely stop working.
• New research on safe withdrawal rates and how much money retirees need.
• Probable effects of the Feds rate hike.
• Filing early and watching your income so your child gets the most out of FAFSA.

I also respond to a listener's email about selling a rental property for a vacation home under a 1031 exchange and talk about rules for creating income on your vacation home.

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

Rob Black and I are in studio together for a full hour of sharing stories that directly relate to our 10 Pillars of Retirement seminar this Thursday in Burlingame. We also cover other problems such as expensive college costs, financial success becoming more difficult with more jobs becoming automated, approaching Brexit-like changes to your retirement plan and emergency planning.

Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar this 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.

With our 10 Pillars of Retirement seminar approaching, I go the opposite route and share the Top 10 retirement planning mistakes I see and which factors don’t get taken into consideration. Later on I respond to two real estate related emails. Tim asks if he should buy a vacation rental property as an investment while another listener wants to make a down payment on a duplex using their IRA and a loan. I also discuss several ways to save when gifting money to others or making donations.

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.

Today I talk about ways people are destroying their retirement plan and a very real situation where people in their 30-40’s are desperate to own a home now so they are robbing their 401k’s and not maintaining an emergency reserve for home repairs or disability. Other topics include:

• Tax shocks same-sex married couples are now dealing with
• Rob Black and I guess where real estate will be in a year after Brexit and an improbable rate hike
• Market valuations
• ABLE Act plans- How to not damage your disabled family members 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.

This podcast will cover the 10 key items you MUST review before retiring!  We will be covering these items this Thursday in Burlingame, CA.  Sign u�p at www.ChadBurton.com. On today’s show I also cover the four different phases of portfolio rebalancing, how taking social security early can screw up your Obama Care, the importance of tracking your non-deductible IRA contributions and a few untraditional reasons to convert your IRA to a Roth.

Sign up for this Thursdays 10 Pillars of Retirement Income Planning seminar 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.

Today I discuss retiring outside of California as it becomes more of an issue for people to make ends meet when they stop working. Other topics include:

• The best states to live in retirement.
• How to prepare when your retirement is dependent on your home sale.
• Why you should be wary of contributing to a Roth IRA later in life.
• What is The Savers Tax Credit and how is it different from a tax deduction?
• 15 steps to create a solid financial base.

Tate calls in and asks if he should keep his term life insurance policy when he no longer has any dependants to cover.

Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar on Thursday, June 16th 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.

Ecnore edition

Today I start off by talking about a few products you need to know about when going into retirement explaining which are good and which you should avoid. I then explain changes to filing and suspending social security as the deadline approaches. I also discuss when and when not to rollover your 401k and avoiding estate planning nightmares.

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 last. 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.

Encore Edition

I open today’s show by discussing the Bay Area’s growing housing crisis, explaining why it is not the same as the mortgage meltdown and pointing out where the problem really lies. I then provide a refresher course on risks of retirement and explain what asset allocation really means. I also talk about non-portfolio related situations to consider in retirement and discuss rebalancing difficulties both in retirement and while working.

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.

Encore Edition

Annuities get a lot of bad press. Chad Burton, CFP^®, and Rob Black discuss the reasons why plus whether there’s ever a good reason to buy an annuity.

Commercial-Free

Today I start off by talking about a few products you need to know about when going into retirement explaining which are good and which you should avoid. I then explain changes to filing and suspending social security as the deadline approaches. I also discuss when and when not to rollover your 401k and avoiding estate planning nightmares.

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 last. 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.

I open today’s show by discussing the Bay Area’s growing housing crisis, explaining why it is not the same as the mortgage meltdown and pointing out where the problem really lies. I then provide a refresher course on risks of retirement and explain what asset allocation really means. I also talk about non-portfolio related situations to consider in retirement and discuss rebalancing difficulties both in retirement and while working.

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.

Rob Black steps in again and begins today’s show by explaining why you should invest in term life insurance instead of variable or whole life insurances. He then discusses multiple tactics that get you to retirement including using budgeting sites like Mint or Nerd Wallet and not wasting college money on useless degrees.  He also tells the story of how he and I met to explain what a CFP gets you that books won’t before wrapping up with some important tips he feels everybody should follow.

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 rant about the uselessness of the new government created myRA program and its regulations. I also discuss:

• Phasing into retirement vs. a specific date you completely stop working.
• New research on safe withdrawal rates and how much money retirees need.
• Probable effects of the Feds rate hike.
• Filing early and watching your income so your child gets the most out of FAFSA.

I also respond to a listener's email about selling a rental property for a vacation home under a 1031 exchange and talk about rules for creating income on your vacation home.

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

I rant about the uselessness of the new government created myRA program and its regulations. I also discuss:

• Phasing into retirement vs. a specific date you completely stop working.
• New research on safe withdrawal rates and how much money retirees need.
• Probable effects of the Feds rate hike.
• Filing early and watching your income so your child gets the most out of FAFSA.

I also respond to a listener's email about selling a rental property for a vacation home under a 1031 exchange and talk about rules for creating income on your vacation home.

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

Today I discuss retiring outside of California as it becomes more of an issue for people to make ends meet when they stop working. Other topics include:

• The best states to live in retirement.
• How to prepare when your retirement is dependent on your home sale.
• Why you should be wary of contributing to a Roth IRA later in life.
• What is The Savers Tax Credit and how is it different from a tax deduction?
• 15 steps to create a solid financial base.

Tate calls in and asks if he should keep his term life insurance policy when he no longer has any dependants to cover.

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

Today I discuss retiring outside of California as it becomes more of an issue for people to make ends meet when they stop working. Other topics include:

• The best states to live in retirement.
• How to prepare when your retirement is dependent on your home sale.
• Why you should be wary of contributing to a Roth IRA later in life.
• What is The Savers Tax Credit and how is it different from a tax deduction?
• 15 steps to create a solid financial base.

Tate calls in and asks if he should keep his term life insurance policy when he no longer has any dependants to cover.

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 rant about the uselessness of the new government created myRA program and its regulations. I also discuss:

• Phasing into retirement vs. a specific date you completely stop working.
• New research on safe withdrawal rates and how much money retirees need.
• Probable effects of the Feds rate hike.
• Filing early and watching your income so your child gets the most out of FAFSA.

I also respond to a listener's email about selling a rental property for a vacation home under a 1031 exchange and talk about rules for creating income on your vacation home.

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 discuss earnings reports from CSX, INTC, JPM and news on TWTR.

John calls in and asks how he should get his retirement plan back on track after spending time unemployed and going back to school.

Long term care insurance planning and tax deductibility options.

Options for your required minimum distributions like a 529 plan and ESA.

I also give advice to Ryan with a story about possible negative outcomes of cohabitating without a set financial agreement.

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.

Thinking about moving out of state when you retire? It's not a decision you want to wing. Chad Burton, CFP^®, and Rob Black discuss the complicated calculation of taxes and inflation that should go into any decision on where you want to move—or whether you want to move at all.

Commercial-Free

Today I catch up on some listener e-mails and answer the most common questions I get from listeners like you. I cover topics like:

• MLPs: what you need to know about investing in a master limited partnership that could cost you a pretty penny in taxes.
• How to calculate the amount of money you will need in each year of retirement and work out the possible  bugs in your calculations. AND how the one thing you DON’T need to calculate is timing the market.
• James in Piedmont calls in about how much cash to have on hand and the dismal state of bonds.
• Why you don’t want to choose a big bank to be a trustee. 

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

Or to get your question answered on the spot, call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Encore Edition.

I help a couple change their retirement plan due to health issues.

The true cost of reverse mortgages and when they make sense.

Why high-income earners may not want to roll over their 401k to an IRA.

What is a Backdoor Roth IRA and how does it work?

I use a personal story to discuss accident forgiveness policies offered by insurance companies.

Good exit strategies for baby boomers looking to sell their business. 

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

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 give a general overview of the market spotlighting home starts, wage increases at Walmart, the Chinese economy and its global effects on bonds as well as housing in the Bay Area.

Why I believe the fuss surrounding China's volatile market will eventually settle out and how to manage your investments linked to China.

I review scary retirement statistics and tell you how to fix them.

I discuss the HealthView Explorer app that helps plan Medicare costs and the top states to keep retirement health costs low.

How to compare your retirement savings to others in your age and area and stressing the importance of having a good retirement plan.

Don't forget to register for our upcoming event on Thursday, September 10 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 recap an e-mail from yesterday and give a more comprehensive answer about knowing when you are ready for retirement. Other e-mail topics include:

• The difference between ETF’s and index funds and why I prefer one over the other.
•  When is it wise to pay off your mortgage before retirement versus carrying your mortgage into retirement?

I also cover why a Roth 401k may be a good idea for people who are behind on their retirement planning.

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

Today,  I speak to estate planning attorney Michelle Lerman about retirement planning and how to leave assets to your heirs in the most tax efficient way. Other topics are:

• What is the "sequence of consumption" risk and how it affects you in an inflated market?
• I discuss the importance of knowing your spending floor and ceiling once you retire.
• How adding more small cap stocks will affect global markets.
• Then, I take callers questions about how to leave family money if you life to 100 and annuity killers.

Don't forget to sign up for our seminar at the Double Tree in Burlingame this Thursday, June the 4th at 6:30pm. 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.

Commercial-Free

Jack Mohr of TheStreet.com joins us and talks about the market being down just a bit over 1%. We also discuss:

• How dividends and buy-backs could end up being the sole contributor of total returns for the next 12 months.
• We discuss Wade Pfaus' article regarding the reliability of the 4% rule for retirement when interest rates are low.
• Life insurance vs. bond investing.
• The increase in Bay Area residents selling their homes and moving to cheaper states as part of their retirement plan.
• How startup companies are going elsewhere because of astronomical real estate prices.

Don't forget to register for the seminar with Rob and myself at the Double Tree 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

Today, on the Friday edition of New Focus on Wealth, Rob tries to give you some very basic advice you can use throughout your life about spending and investing your money wisely. 

To attend the seminar with Rob Black and myself on June the 4th in Burlingame, just 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.

Today Rob and I talk about retirement plan beneficiary mistakes. What is a stretch and inherited IRAs and why not using them is a huge mistake. Rob also discusses:

• News of carcinogens in flooring from Lumber Liquidators could possibly sink the stock.
• Rob explains how the lack of housing for high-end tech workers could have a bigger impact than we think.
• Rob talks with Chris Ciaccia about Yahoo and The IRS.
• How a Morgan Stanley wealth manager could cost the company $400 million for having an affair with a client.
• An Apple analyst makes predictions on what to expect in Apple’s new iPhone offerings.

Don't forget to sign up for our upcoming seminar on June the 4th in Burlingame. 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.

Commercial-Free

Today I fill in for Rob Black and discuss the newly released market numbers and what they really mean. I also discuss:

• Goldman Sachs makes a bold call about the rise and fall of the S&P.
• Several ways to fund charities after you pass and which are the most tax efficient.
• Some potential legislation that seeks to regulate how 401k balances are reported.
• I take a call about calculating the amount gained when you file and suspend your retirement benefit.
• Some words of caution when paying your child’s college tuition.

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

Today I catch up on some listener e-mails and answer the most common questions I get from listeners like you. I cover topics like:

• MLPs: what you need to know about investing in a master limited partnership that could cost you a pretty penny in taxes.
• How to calculate the amount of money you will need in each year of retirement and work out the possible  bugs in your calculations. AND how the one thing you DON’T need to calculate is timing the market.
• James in Piedmont calls in about how much cash to have on hand and the dismal state of bonds.
• Why you don’t want to choose a big bank to be a trustee. 

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)

Or to get your question answered on the spot, call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Commercial-Free

Today I discuss earnings results, market performance in April with the Nasdaq hitting record highs and Apple doing better than expected.  I explain how not rebalancing your portfolio is like letting your insurance lapse, when to consider selling RSU’s and how to pick your 401k allocation by cheating off the pros.

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

Rob and I discuss the Nasdaq composite closing at a record high - and why it’s great if you’re retiring. Is the intense cost of season tickets worth it? Hidden costs like parking and food can add up quickly. Some economic disappointment in the number of durable goods ordered. Investing in consumer staples and some thoughts on legacy stocks. 

It's not too late to sign up for one of our TWO seminars TOMORROW. Just 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

Rob Black discusses the latest and most relevant news stories that impact your bottom line. Such as:

• The labor market improves due to even lower unemployment
• Facebook looks to improve their video chat service and launch a family of apps.
• Apple looks to compete with Spotify
• Chris Ciaccia of TheStreet.com discusses the WWE’s Wrestlemania will have on Santa Clara’s economy and the history of their stock performance.
• And I talk with Rob about lump sum investing.

Click here to register for our upcoming seminars in San Mateo on April the 25th.

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 my rules of investing.  I also talk about how technology has made it easier than ever to get started in investing and cheaper than ever to have a professionally managed portfolio.  I take a call regarding how to evaluate a wealth manager and how returns are reported and discuss the extra challenges women face in retirement.

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.

Commecial-Free

Is 2015 the year for international stocks? How the dollar's ascent is good for investing in troubled markets overseas. Then Chad discusses an article found on TheSimpleDollar.com that helps you avoid 13 kinds of "bad luck" in retirement investing. Tips like:

• How spending money on the right insurance can help you save money in the long run.
• Setting up different revenue streams so you don't have to draw from your retirement accounts.
• Determining your risk allotment
• and much more!

To sign up for our upcoming seminar "Money 101" in San Jose on April the 25th, 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

Jack Mohr of TheStreet.com joins me and discusses how you need to take advantage of the strengthening dollar right now. We also go over:

• When will oil go back to being a stable investment, or will it?
• Why you want to have an exit strategy for every stock, ETF and bond you buy.
• Is retiring abroad a good choice for you? How the increasing dollar and cheaper medical costs can be a big deal abroad.
• Fixed annuities
• Tax issues for the self-employed and 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

Today I discuss info to get to your tax advisor, the rise of fraudulent investments regarding the marijuana industry and in private real estate and I take calls on energy ETF’s, how to title a home in a second marriage and when to buy life insurance.

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 answers the trickiest estate planning and tax questions I can give her. She also dissects irrevocable trusts and life trusts. We also discuss:

• Ways grandparents can leave money to heirs in a tax free account which can then be inserted to their IRA all while avoiding the RMD.
• Why you want to pay taxes now rather than paying them when you’re older
•  Then I take listener calls about 401k funds and another listener asks if it’s best to invest in total international stocks or European stocks only.

To sign up for Thursday seminar in Walnut Creek, 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 talk with Rob Black about the legalities of withdrawing money from retirement accounts and other costs that need to be factored into your retirement cost projection. Is monetary policy crushing the returns of retirees? Chris Sciaccia calls in to discuss the announcement of Apple’s wristwatch. Rob weighs in on Mark Cuban’s statement that today’s tech bubble is worse than that bubble 15 years ago and Costco’s profit surges.

Click here to sign up for Thursday's semianar in Walnut Creek. 

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 Rob Black discusses the market’s consolidation and the latest impacting financial news stories. He also discusses:

• The state of the airline industry in 2015.
• A listener calls about owning company stock where the company is merging with another.
• Why women in America tend to save less than men.
• TripAdvisor.com’s stock performance.
• Dr. Jeff Rosen of TheStreet.com discusses the employment and wage reports.
• I discuss assigning a beneficiary to your retirement accounts.
• And much, much more!

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 Rob discusses the wave of retiring baby boomers in the US. Will net neutrality affect certain stocks and markets and what might happen if internet speeds are become metered? I discuss tonight’s webinar and how delaying social security can help your investing strategy. Lytro promises to revolutionize the world of digital photography and what will happen to Berkshire-Hathaway when Warren Buffet dies? I also discuss how to re-balance your portfolio in retirement and much, much more!

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

Wal-Mart decides to give raises to 500k employees and the effect it will have. I discuss ETFs and why fees in ETFs and mutual funds are not always a bad thing. I also list some of the unknown costs encountered in retirement. Rob discusses the drastic change in the way we consume media and smart phones look to take an even bigger market share. Jack Mohr of TheStreet.com weighs in on Wal-Mart’s decision to give raises to their employees and why they may have made that decision. Jack also speculates on the Apple car and toy companies.

Click HERE to sign up for next week's webinar!

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

Rob Black and I discuss recent news in the market and analysis of Robert Schiller’s grim message to investors. We also cover:

• I discuss how you can construct a portfolio that lasts and if bonds are worth owning?
• Rob lists the most common financial mistakes. (i.e., living outside of your means and retiring too early)
• Worldwide fear of Friday the 13^th

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

Rob and I discuss assumptions you’re probably making about retirement, like finding another job before you retire and assuming you’ll receive an inheritance. Identity theft hit a record high in 2014 and identity theft insurance. Chris Ciaccia of TheStreet.com discusses Tesla’s lackluster numbers and why Sony gave Disney rights to Spider-Man for free. Also, is Apple considering building a car? We cover all these topics 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

In this episode, I discuss high yield bonds, master limited partnerships (MLPs) and how they tie to oil. I also cover more dangerous assumptions to make when calculating your retirement savings. 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

How much of your portfolio should be in stocks when you retire? In this podcast, Chad Burton, CFP®, and Rob Black explain why the old investing rules of thumb may no longer apply. They also offer some tips on issues retirees should consider when making portfolio allocation decisions.

Commercial-free

On today’s show I discuss the headwinds U.S. companies face as a result of the strong dollar and the tail-winds from low oil prices. I discuss a high yield international ETF, take calls on tax issues resulting from spin-offs, and how grandkids can affect your retirement.

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

Jack Mohr of TheStreet.com spells out what the new European Central Bank numbers mean and their own quantitative easing plans.

• Is it safe to invest in oil?
• Centurion team manager, Sean Cummings discusses the correlation between the economy and boating.
• When it's ok to spend money on frivolous items.
• Fees in your retirement accounts
• How to save money on travel in retirement.
• 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