Rob and I discuss the issues of saving for retirement while funding your lifestyle. Rob talks about his experience with cars and some regrets about not networking as well as he could have. I discuss how to be a better shopper of stocks. How the arcade is an excellent portrait of inflation and why pensions went away.

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

Jack Mohr of TheStreet.com discusses the recent sell-off in the market, who wins and who loses with the drop in oil prices and we take a look at Verizon’s consideration of a joint venture with AOL.  I discuss how entrepreneurs can use crowd funding and Ray Fry calls in to discuss a recent law changes that affect reverse mortgages.

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 Black and I sit in the day after our seminar and take a look at our Thanksgiving plans and discuss the broadening recovery. We also discuss: weakness overseas, The Dollar’s rise, Lowflation: labor market slackening, China poises to down-shift, and Goldman Sachs’ trends for 2015.

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

Rob Black discusses some of his favorite mantras about investing and reinforces the idea that you don’t need to be a brain surgeon to put together a good portfolio and retirement plan. Other topics include: resisting fad stocks, wise words from Warren Buffett, stupendously bad investment ideas, electronics insurance, early days of the internet and its future.

Encore presentation

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

I answer questions about year-end distributions from mutual funds, company stock and fund fees in a 401k and what to do when your HR department gives you nothing but bad choices to pick from.  I also take a look at earthquake insurance and paying off your home, the Russian economy and delaying your retirement to help your adult children.

Encore presentation

To sign up for our upcoming webinar, taking place this Thursday, 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 cover enhanced indexing / beta ETFs and how they work. Then I take a call on making mistakes when choosing stock options. Also, an update on bonds and TIPS (treasury inflation protected securities). And what are the industries with the highest rate of depression and advice with structured note CDs. 

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 tax efficient investing as you near retirement and the threat of foreign countries hacking into U.S. companies to expose secrets. U.S. and Cuban relations. Dr. Jeff Rosen of TheStreet.com speculates on Janet Yellen’s upcoming announcement and the ramifications of the drop in oil prices. He also comments on the failing Russian ruble vs. the U.S. dollar.

Click HERE to register for TONIGHT'S FREE SEMINAR!

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

I answer questions about year-end distributions from mutual funds, company stock and fund fees in a 401k and what to do when your HR department gives you nothing but bad choices to pick from.  I also take a look at earthquake insurance and paying off your home, the Russian economy and delaying your retirement to help your adult children.

To sign up for our upcoming webinar, taking place this Thursday, 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 year-end tax 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

Rob Black takes a look at the global markets, specifically at oil stocks around the world. Keeping inherited items from dividing your family. Dr. Jeff Rosen talks Russia sliding into a recession and the tough love world of saving for retirement and not overspending during the holidays.

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

Chad Burton, CFP^®, and Rob Black talk about the five biggest retirement risks, including market risk, inflation risk and longevity risk, and explain what you can to do manage those risks and position yourself for a secure retirement.

Commercial-Free

Rob and I discuss obstacles in 2015 and Dr. Jeff Rosen discusses durable goods, the Polar Vortex, Black Friday, wage growth and market conditions. Other topics include: growing jobless claims, Investment properties with Tony Mendes and more Americans are working on holidays. 

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 PMI numbers from countries around the world and what it means for investments in those countries. Other topics include:

• A new service to help everyone answer financial questions
• Occupying your time after retirement-not as easy as you might think.
• A scenario about the IRA tax trap
• I take a listener's call about capital gains from inherited money.
• 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

Rob Black and I discuss why you need to have three years of portfolio-drawn cash handy when you enter retirement. Other topics include:

• Nestle's plan for a drink to stimulate your metabolism
• Tony Mendes on paying off loans early
• Dr. Jeff Rosen calls in and is unenthusiastic about tomorrow's fed announcement
• Why the growing senior populations in the U.S. and Japan will hurt Japan more.
• Sign up for tomorrow's seminar, "The Ten Pillars of Retirement Income Planning," in Foster City at The Crowne Plaza Hotel. SIGN UP 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 discussed Q3 earnings results and the sales growth issue for companies with over 50% of sales outside the US.

I also discuss: low interest rates, social security mistakes and planning for widows and widowers, and millennials ignoring the 401k match. 

Don’t forget to sign up for our 10 pillars of Retirement Income Planning this Thursday in Foster City. 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

Rob discusses how 2014 has been very, very good to the market with the best returns in 5 years, low unemployment and an even better outlook for 2015. Other topics include:

• More plans for easing by the Euopean Central Bank
• New movie dynasties on the rise
• How politics will change if the economy continues to improve
• How each generation needs to save differently
• 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

Rob and I discuss some news for widows and widowers regarding estate taxes. We also cover:

• Making sure the Social Security office knows what you earn
• CVS and Rite-Aid turn down Apple Pay in favor for another service
• Tony Mendes discusses paying to lower points on your mortgage
• Dr. Jeff Rosen of TheStreet.com talks turning off Q.E.
• Facebook’s plans to investment in itself
• 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

Rob and I start by discussing new styles of education and who is taking advantage of them. Then, Dan Freed from thestreet.com talks why you need to invest with ETFs. Rob goes on to cover news stories like:

• Carl Icahn's take on Apple stocks
• Pepsi posts a solid again
• The cost of Ebola and what it means to immigration and the economy
• What are "megatrends," and how they transform the world socially and economically.
• That 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

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.

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 take calls from listeners and discuss why it's important to be asbolutely honest about your expenses. *Even the embarrasing ones.* Also covered are:

• The finer pieces of a full-growth portfolio
• Dividend paying stocks
• A call about using a bond alternative to fund an education
• Leaving funds in a 401k vs. rolling into an IRA
• A caller asks what to do with an extra $100,000 in cash
• Different portfolio allocations and the risk vs. reward.
• That 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

Today I discuss some of the most common investor pit-falls and how to avoid them. I also take a look at proper retirement asset allocation and the IRS’ decision to allow you to convert your after tax 401k funds into a Roth IRA.

 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

Today I discuss some of the most common investor pit-falls and how to avoid them. I also take a look at proper retirement asset allocation and the IRS’ decision to allow you to convert your after tax 401k funds into a Roth IRA.

To sign up for our event this Thursday in Redwood City, 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 and Tony Mendes discuss todays financial headlines and what the movers and shakers have in store. Also covered are topics and news like:

• The Dow-Jones Transports and the 10-year treasury notes: how they can be gauges for the economy
• Tony talks about the upcoming problem with the lack of millenials buying homes.
• YouTube receives funding from Google to create new videos with popular web personalities and its impact on TV.
• Wal-Mart's anti-department store game plan
• Mark Cuban's biggest regret about managing money and some sage words on money from succesful people.

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 Black discusses the latest business headlines and guides you down the financial road to retirement. He discusses topics such as:

• Janet Yellen's warning about policy rate increases
• Home and medical expenses in retirement
• Pharmaceutical company Vivus, gets approval of its new E.D. drug and sends its stock skyward
• Juliette Fairley from thestreet.com shows you how to borrow and repay money from family without a family argument.
• Rob and I discuss updating your estate plan and other life changes you'll want to make when approaching the jump to 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.

Commercial-Free

Today I discuss, the CoRI index and how you might be  landlord in the eyes of the government even if you don't know it. I also discuss topics such as:

• How the cost of real estate can affect retirement.
• Pros and cons of investing in vacation properties and rental properties - as well as useful tax tips.
• Listener E-mails regarding Charitable Gift Funds, how to donate appreciated stocks and an explanation of the new IRA rollover ruling from the IRS.
• How to properly report rental income to the IRS

Sign up for our upcoming seminar in Redwood City on October 25, 2014, here.

E-mail 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 of visit www.NewFocusFinancial.com.

Commercial-Free

Today Rob and I discuss a new study that finds that more adults in the US are single, rather than married and how it makes their financial life more difficult. Planning for long-term care, paying down a mortgage, planning for disability and saving for retirement are all more difficult for single adults. We also cover issues such as:

• How adults with a lack of savings can hurt the younger generations.
• The price of paying back your 401k
• How going back to work can have hidden costs
• Tax efficient investing
• Rob talks to Richard Collins of thedeal.com and discusses General Mills' acquisition of Annie's organic foods. He also comments on how it's part of their new purchasing strategy.
• And and outline of the Sept 11, 2014 seminar that is custome designed for people living in The Bay Area.

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

Most of us understand how to accumulate wealth, but decisions about drawing down the assets you've accumulated in your IRA can be more difficult. In this podcast, Chad Burton, CFP®, reviews the relationship between tax planning, income planning and how much you should withdraw from your IRA.

Commercial-Free

Today I get to discuss technical analysis with my guest Scott Smith of Briefing.com. I also discuss items such as:

• A listener's unique question about rolling over 401k's
• How lifetime annuities are sold incorrectly to cover fixed costs in retirement
• One large firm's estimate of when the S&P 500 will hit 3000
• 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 focuses on financial goals, particularly regarding people in their 20's, 30's and 40's. With topics such as:

• Your own health as an investment
• Avoiding financial mistakes in your 20's.
• Common sense in investing
• Generic items to buy and skip
• The influence of online celebrities on millenials
• Finance goals for every decade.
• 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)

 Encore Presentation

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

Commercial-Free

Chad Burton, CFP® discusses how bad credit can affect your auto insurance. He also discusses:

• Fake IRS tax scams, what to do if you think you are the victim of one.
• Chad takes a call about using dividend-paying stocks as a retirement vehicle. 
• What rates of return to use for stock projections
• 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

Chad Burton, CFP® discusses seven way to reduce stress in retirement. He also covers topics such as:

• The cost of raising children
• An update on Q2 earnings
• Chad takes calls and addresses: investing in foreign currencies, 401k's and Roth IRA limits.
• That and 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

Not having a detailed budget and not knowing how you'll spend your time after you stop working are two of the biggest retirement mistakes you can make. In this podcast, Chad Burton, CFP®, explains how you can avoid these and other planning errors and increase your chances of enjoying a happy retirement.

Commercial-Free

Chad Burton talks about current savings trends and how your taxes will be impacted today and in the future. With topics such as:

• The uptick in Roth IRA contributions
• How to manage inherited assets
• Why you need to think on a global economy
• Why looking for a yield-only stocks is a hazardous practice
• What exactly can you deduct when working with a 501c3 charity?
• That and more sage advice from Chad Burton about saving and getting to an enjoyable retirement.

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

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

Commercial-Free

Rob focuses on financial goals, particularly regarding people in their 20's, 30's and 40's. With topics such as:

• Your own health as an investment
• Avoiding financial mistakes in your 20's.
• Common sense in investing
• Generic items to buy and skip
• The influence of online celebrities on millenials
• Finance goals for every decade.
• 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

 Chad Burton, CFP® updates you on the Q2 revenues and earnings reports. He also offers insight on topics such as:

• High fees in 401k accounts
• Paying off your mortgage at retirement
• Earthquake insurance
• Buying a house vs. a condominium
• Weath management issues
• 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

Chad Burton, CFP® updates you on the financial markets and discusses ways to make sure your retirement gets off on the right foot. With topics such as:

• The economic scene in China
• Updates on the Q2 - 2014 earnings reports
• Sector rotation
• The disability income system and why it is broken
• How to spend your first 100 days in retirement.
• 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 and Chad Burton, discuss the market news regarding corporate earnings and other topics such as:

• Amazon.com's earnings report and their popular "Prime" membership.
• CFP, Chad Burton calls in to dissect and define floating rate funds.
• Rob Talks to Hal Bundrick, author of "Five Reasons to Buy a House in the Next Five Months".
• Good news in Ford's earnings report
• Facebook answers its critics by doubling its IPO price.
• 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

Chad Burton, CFP® focuses on ways to save money in retirement and how to avoid making major retirement planning mistakes. He also covers topics such as:

• How to get better deals on credit card bonus programs (like frequent flyer miles) with the helps of CFP®, Nicolle Willson.
• Online shopping, where to check to get promotional codes to save money instantly.
• Tactics for haggling with service providers and how it can save you 20% in just a few minutes.
• Taking advantage of online banking
• 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

Encore presentation

Rob Black and Chad Burton, CFP® discuss how to create wealth for the long-term and discuss current topics such as:

• The possible negative outcome of Amazon's drone delivery service
• How much money do you need to put into a retirement account to replace $$50,000 of income?
• Why an exorbitantly paid C.E.O. could be in the best interest of the shareholders
• Rick Santelli illustrates why you shouldn't listen to everyone on television
• Chad and Rob highlight the topics they'll be discussing in tonight's seminar, "The Ten Pillars of Retirement".

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

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

Commercial-Free

Chad Burton, CFP® talks about important statistics and current market analysis with topics such as:

• Janet Yellen's comments on small caps as well as social media and biotech sectors with Jack Mohr, Research Associate for Mad Money at CNBC and briefing.com
• Key ages and benchmarks you need to know about from age 35-70 and-a-half
• The latest approval of Longevity Insurance in 401k plans.
• 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

Knowing all your different sources of income is key to a successful retirement. In this podcast, Chad Burton, CFP^®, explains why you want 20–40% of your retirement income to come from a guaranteed, lifetime source—essentially, creating a pension for yourself.

Commercial-Free

Rob Black and Chad Burton, CFP® take listener e-mails and answer your questions. Also highlighted in today's show are topics such as:

• Why no-fee ETFs are best if you're investing under $200k
• Countries that are shedding their, "frontier market" statuses.
• Chad discusses the finer points of R.M.D.s (required minimum distributions)
• Where to put money if you're in your late 20's and have more savings than the status quo.
• Why a Prenuptial agreement is necessary if your kids will be getting an inheritance
• Rating stocks by divivend yield alone - not such a great idea.

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)

Commercial-Free

Rob Black and Chad Burton, CFP® take listener e-mails and answer your questions. Also highlighted in today's show are topics such as:

• Why no-fee ETFs are best if you're investing under $200k
• Countries that are shedding their, "frontier market" statuses.
• Chad discusses the finer points of R.M.D.s (required minimum distributions)
• Where to put money if you're in your late 20's and have more savings than the status quo.
• Why a Prenuptial agreement is necessary if your kids will be getting an inheritance
• Rating stocks by divivend yield alone - not such a great idea.

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 and Chad Burton,CFP ® gear up for tonight’s seminar in Palo Alto and discuss some of the topics they’ll be covering. They also go over current issues like:

• Amazon releases a smart phone and how it challenges the iphone.
• How to create tax-free accounts with an I.R.A. conversion
• A closer look at Johnson & Johnson
• Changes you'll need to make before the transition to retirment
• Some commentary about why the market isn't as intimidating as you might think - and be wary of anyone who tells you otherwise. 

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

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

Commercial-Free

Chad Burton, CFP® discusses the bad advice some people get from "wanna-be", financial advisers. He goes in-depth with more topics such as:

• Why some financial advisers give biased advice, simply to receive the 401k rollover commission. 
• Chad tells two stories that will help you avoid falling prey to predatory financial advisers.
• How to fix bad annuities
• Tips on setting up I.R.A.s and R.M.D. charitable rollovers
• Estate planning techniques for your home
• Basic planning tips when you are starting from scratch

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 covers the latest news stories and how they'll affect California's economy. He focuses on foreign news topics with other topics such as:

• Why California may want to emulate the tax codes of places like Idaho.
• Bonds: The upside and downside
• When renting is a better idea than buying
• A heads-up of what to expect at Chad and Rob Black's upcoming seminar.

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 goes over some of the less-thought-about aspects of retirement planning and current financial outlooks. He also covers topics such as:

• How the state you live in can impact the amount of money you'll need in retirement
• Investing advice for younger people with some astonishing statistics
• Rob's honest opinion on home equity loans
• How having only a few holdings can reduce risk
• What the future holds for Microsoft
• 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

Chad Burton, CFP®, gives a current picture of the financial markets and continues to discuss the Ten Pillars of Retirement. He also covers topics such as:

• How The Federal Reserve's quantitative easing plans are coming along
• Problems with Florida's citrus crop
• Current employment reports
• Do you know the actual total of your expenses in retirement?
• Transitioning your portfolio from a wealth accumulation basis to a wealth distribution basis
• 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

Chad Burton, CFP®, discusses the Ten Pillars of Retirement and addresses issues like:

• What you'll do with your money after you retire
• Avoiding the I.R.A. tax trap
• How to pass I.R.A. money to kids and grand-kids so they don't incur the usual tax penalty.
• Tax efficient investing
• Why to avoid annuities
• 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

Chad discusses news from Apple and answers listeners' questions. Topics include:

• Privately traded REITs vs. publicly traded REITs
• Keeping inheritance separate from community property
• Master Limited Partnerships (MPLs)
• Calculating safe money in retirement

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

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

Commercial-Free

Today, Chad Burton, CFP® explains preparing for retirment and how the CoRI index can play into it. He also covers topics such as:

• How the cost of real estate can affect retirement.
• Pros and cons of investing in vacation properties and rental properties - as well as useful tax tips.
• Listener E-mails regarding Charitable Gift Funds, how to donate appreciated stocks and an explanation of the new IRA rollover ruling from the IRS.

E-mail 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 of visit www.NewFocusFinancial.com.

Commercial-Free

Chad Burton, CFP®, discusses why working with a commission based financial advisor is a huge mistake, as well as:

• Aligning retirement income goals with your estate planning goals and  Roth conversions

   

• How investing with Tax Bracket Management in mind can maximize your legacy

   

• Having a life goal in retirement and what to sell on eBay

   

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<'p>

Chad Burton, CFP®, discuses retirement income planning, as well as:

• Small cap valuation stretch
• Roth IRAs
• Earned Income Credit
• How to fix or get rid of a whole life insurance policy

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

Forty-two percent of Americans between the ages of 45 and 60 plan to delay retirement. What consequences will this have for the economy? Chad Burton, CFP®, and Rob Black discuss the economic impacts of delaying retirement.

Commercial-Free

Chad Burton, CFP®, welcomes Scott Smith, CMT, Senior Technical Analyst, from Briefing.com. Scott discusses using technical analysis to confirm fundamental research.

Chad also discusses:

• Retirement issues
• Using the Callan Periodic Table of Investments
• How to pick dividend paying stocks
• Why you never borrow money to invest
• Insurance on a paid off home

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

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

Commercial-Free

Chad Burton, CFP®, welcomes Nicole Urken from Mad Money and The Street.com. Nicole discuses retail stocks and diversifying in retirement.

Chad also discusses:

• Fixing bad annuities
• How a CFP® approaches estate planning
• Managing 401k’s
• Paying for education costs.

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 Ray Fry from MrReverse.net. Ray discusses how people use reverse mortgages to fund retirement, as well as:

• Delay taking Social Security
• Converting IRAs to Roth IRAs

Chad also discusses dividend growth investing and the importance of detailed cash flow projections in retirement.

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

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

Commercial-Free

Make sure your retirement plan leaves room for a legacy. Chad Burton, CFP®, and Rob Black discuss the importance of ensuring your retirement and estate plans go hand in hand.

Commercial-Free

Chad Burton, CFP®, discusses the attack on social security benefits, as well as:

• Janet Yellen’s Bernanke like comments to Congress
• Automatic 401k enrollments
• The growing disaster of Long-term care costs
• How to reduce taxes on social security

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

Retiring without a solid plan isn't going to cut it—and neither will relying on outdated ideas about how much you'll actually need once you stop working. If you're determined to be comfortable later in life, this podcast from Chad Burton, CFP®, and Rob Black can help you avoid the two most common retirement planning pitfalls.

Commercial-Free

Chad Burton, CFP®, shares tips to keep you on track for retirement. Chad also discusses:

• Perception on investing
• Maxing out social security
• When single people should not start social security
• 2013 issues plaguing retirement planning
• Low interest rates
• Caring for adult children
• Gray divorce
• Long term care costs
• Paying off your mortgage over age 55

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

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

Commercial-Free

Chad Burton, CFP®, discusses the 10 Pillars of Retirement Income Planning. Chad goes in depth about the key important issues of retirement that everyone should know. You can also download the 10 Pillars of Retirement Income Planning resource for free at www.newfocusfinancial.com/financial-resources.

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

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

Commercial-Free

Chad Burton, CFP®, discusses how many retirees are more concerned than ever with healthcare costs and are reducing 401k contributions to keep their cash. Chad also discusses:

• Stocks in the news such as Home Depot and JP Morgan
• What to do with life insurance once you have a living trust
• How to organize your affairs, wills and power of attorney healthcare directives
• How partners should have buy-sell agreements

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

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

Commercial-Free

Chad Burton, CFP®, discusses the keys to becoming a 401k millionaire. Chad also discusses:

• Roth conversions
• Required minimum distributions and penalties
• How to avoid annoying hotel fees
• Avoid borrowing from your 401k

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 Brett Manning, Senior Market Analyst, from Briefing.com. Brett and Chad discuss:

• How drastically underprepared people are in retirement
• Maximizing social security with free spousal benefits
• The penalties involved with Obamacare

Chad also answers your email questions regarding Roth IRA conversions.

Email your money question to www.NewFocusFinancial.com.

Commercial-Free

Guest host, Rob Black, of Rob Black & Your Money fills in for Chad Burton and discusses why it's crucial to have a written retirement plan. Rob also discusses the big stories of the day.

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

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

Commercial-Free

Chad Burton, CFP®, discusses how managing your health is part of a good retirement plan. Chad also discusses 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.

Commercial-Free

Chad Burton, CFP®, discusses the 10 important retirement income planning points you need to know. Chad also discusses the Q3 earnings update and international investing including BRICs and BRIITs and which emerging markets still look attractive.

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 planning for retirement, many people don't account for the impact of inflation. In this podcast, Chad Burton, CFP®, and Rob Black discuss how, at normal rates of inflation, the value of money is cut in half every 18 years. They also review portfolio withdrawal rates and the hazards of retiring too early.

Commercial-Free

Chad Burton, CFP®, discusses President Obama's budget proposals and how it will affect retirement planning. Chad also discusses:

• The differences between a variable annuity with a lifetime income guarantee and an index annuity
• Leaving your home to your children in the most tax efficient way
• What to do if you have a high fee 401k or 403b

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

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

Commercial-Free

Guest host, Rob Black, of Rob Black & Your Money fills in for Chad Burton and discusses how your nest egg goal should be 10 to 20 times your income. Rob also discusses growth companies that have secular growth still tied to them.

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 a very special guest, his dad, Bob Burton. Chad and Bob discuss living in Ecuador and the pros and cons of retiring overseas.

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

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

Commercial-Free

Guest host, Rob Black, of Rob Black & Your Money fills in for Chad Burton and discusses treating your retirement nest egg as a business during your working years (20-60). Rob also discusses the importance of term life, auto insurance, managing taxes and taking advantage of tax friendly investment vehicles such as a 401(k).

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

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

Commercial-Free

Chad Burton, CFP®, discusses the current news in Wall Street and how to get yourself to retirement.

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.

Commercial-Free

Chad Burton, CFP®, goes in depth about two important issues regarding retirement:

1. The death of the 4% rule
2. Should you be against taking social security early and investing the difference?

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 what you need to include, and what you’ll expect, when calculating your retirement draw rate so that you'll avoid any unpleasant surprises when you retire.

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

The internal fees for a 401(k) plan can be far steeper than many people realize. While there are new laws mandating better disclosure of plan fees, many people don't understand how fees can impact their overall retirement savings plan. In this podcast, Chad Burton, CFP®, and Rob Black explain what you can do if you're stuck with a 401(k) with high fees.

Commercial-Free

Chad Burton, CFP®, discusses retirement issues and addresses the following questions:

• Is $1 million enough for retirement?
• How much safe money should you have in an IRA?
• How will the Affordable Care Act affect you?

Chad also takes your emails and answers your money questions related to Roth 401(k)s and retirement.

Download the health care reform report that Chad mentions on the show from OnlyHealthInsurance.

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

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

Commercial-Free

Chad Burton, CFP®, discusses the various scenarios of taking Social Security and modeling it after your financial plan. Chad also shares some tips for proper retirement planning.

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

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

Commercial-Free

Guest host, Rob Black, of Rob Black & Your Money fills in for Chad Burton today and discusses retirement tips and what your financial position should be according to your age. Rob also discusses what to avoid for your investment portfolio.

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.

Divorce after age 50—or "gray divorce"—can be financially messy. In this podcast, Rob Black and Chad Burton, CFP®, review some of the issues that can arise when a marriage ends later in life. They discuss what happens to pensions in a divorce, why you need a qualified domestic relations order (QDRO) and the importance of changing account beneficiaries.

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Chad Burton, CFP®, breaks down the market numbers and big stories of the day. He also shares tips on Social Security and setting new expectations in retirement.

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

Chad Burton, CFP®, breaks down the market numbers and big stories of the day. He also discusses paying down your mortgage vs. investing and where to put your money after you max out your 401(k).

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

In this episode, CERTIFIED FINANCIAL PLANNER™ Chad Burton breaks down the market numbers and big stories of the day. Chad also discusses technical analysis with www.Briefing.com Senior Technical Analyst, Scott Smith, CMT, Roth 401(k)s vs. regular 401(k) and takes listener phone calls.

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

In this podcast, Chad Burton, CFP®, discusses planning and projecting retirement expenses, including inflation, healthcare costs, taxes, home improvements and new cars. He also explains how to navigate the U.S. tax system and save on taxes.

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

Learn about creating retirement income you can’t outlive. In this episode, Chad Burton, CFP®, provides strategies for building and retaining wealth, covering defined benefit plans and other options for the self-employed, considerations when creating an S corporation, as well as insurance tips. Also, Chad covers the state of the financial markets from gold to Q1 2013 earnings and revenue results.

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

How do you know when you are ready to retire? On Rob Black & Your Money, Chad Burton, CFP®, guest hosts and reviews how to determine your target retirement age, as well as the importance updating your asset management strategy for different stages in your life. Chad also discusses steps to building wealth through your 40's and how to preserve wealth once you've retired.

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

In this episode, Chad Burton, CFP^®,  discusses the Cypress bank levy issue, international funds vs. ETFs, international dividend achievers, moving out of state to avoid state income taxes on retirements accounts, IRA minimum required distributions, investing in a private company with an IRA, and several decisions you need to make before you retire.

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

There's a right way and a wrong way to invest in your 401(k). In this podcast, Chad Burton, CFP^®, explains why you should base your mutual fund selection on your age and retirement date, as well as the factors to look at when choosing between specific funds. Also learn about why automatic rebalancing should be part of any asset allocation plan and steps to take when leaving a company.

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

In this episode, Chad Burton, CFP®,  discusses current news, earnings results to date, plus expectations for Q1 2013, tax tips, IRAs and Roth conversions, cash on corporate balance sheets outside the U.S., ID theft protection, reverse mortgages, and having your retirement plan work with your estate plan.

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

In this episode, CERTIFIED FINANCIAL PLANNER™ professional Chad Burton discusses current news, estate planning as you enter retirement, the alarming rate at which workers are draining their 401(k)s to pay for everyday expenses, when and how to rebalance your 401(k), key planning steps as you near retirement and inverse bond funds.

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

In this podcast, find out why you need to build your emergency reserves, how tax-advantaged accounts like 401(k)s and IRAs can help you plan for retirement, and why you need to find a group of trusted advisors who can work together to help you.

In this one hour radio show CFP® Chad Burton discussing the important aspects of retirement planning including how to budget and set up a tax efficient income stream in retirement.  Chad’s retirement income strategy uses safe money, a portfolio of stocks that increase their dividends each year, a balanced portfolio of no-load funds and ETF’s as well as alternative investments.  The goal is to perform well in good economies and hedge up to 7 years of income needs in down economic cycle.