The New Year is here and for many of us financial responsibility is this year’s resolution. This podcast is your 2020 checklist for getting your finances in order and your retirement plan on track. Topics include:

• Prioritizing your planned savings
• Adjusting your paycheck
• Health savings accounts
• Investing in 2020
• Tax issues you didn’t know about
• Heart disease and reducing your cortisol levels

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.

Not enough people financially plan for prolonged nursing home stays. Medicare helps with these costs if you meet a certain criteria that only few actually meet. After that, expenses are all out of your own pocket. Other topics include

• Combining traditional and Roth 401k’s contributions -What is the right mix?
• Mega Roth 401k and creating huge amounts of tax free money
• Funding your child’s college education without a 529 plan
• Pros and cons of carrying a mortgage
• What should Mohammed be doing with his multiple retirement accounts?
• Should Robert rollover his IRA?

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.

The SEC ‘best interest’ rule has been a big issue in the world of financial planning and is starting to make mainstream headlines. What does this new rule entail and what does it mean for financial planners and the people they help? Other topics:

• Why costs matter when it comes to the investments you choose
• Retirement income and tax planning strategies
• Why do annuities even exist?

Join Rob Black and I for our Retirement Income and Tax Planning seminar at the Elks Lodge in Palo Alto on 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.

The stock market has been riding high for what feels like an impossibly long time. As a financial planner a common situation I deal with frequently is keeping your retirement plan on track when the market begs you to go all in or all out. Keeping a diversified portfolio just does better in the long run. Don’t let FOMO ruin your retirement! Other topics include:

• Different types of portfolios and returns
• Reasons why you shouldn’t be too aggressive right now if you’re close to retirement
• Reviewing your insurance

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.

Social Security can be taken as early as age 62 and many people choose to do so either out of necessity or because they choose to do so fearing the money won’t be there later. Taking early Social Security while working not only reduces your benefits, but it is counted as taxable income. Unless you need it to make ends meet, delay Social Security until your full retirement age or later! Other topics include:

• Creating a budget
• Getting the most out of your credit cards
• Retirement readiness testing

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.

I recently met a woman who cashed out her retirement plan since it has done nothing over the last 5 years. Upon further questioning I realized that her “financial planner” was in fact an insurance salesman who conned her. The industry needs to push so that anyone pushing commission based products are called salesman and not financial planners. Other topics include:

• Debt- the biggest issue for our country and ourselves
• The best strategies for Social Security
• What to do with your old life insurance policy?

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.

2018 is coming to an end and firms publishing predictions on what’s going to happen to the stock market in 2019. Does it even really matter when most predictions are wrong and timing the market is the worst decision ever? Other topics include:

• Goldilocks market scenario vs. 2019 recession scenario
• What to do with your 401k now and in 2019
• What to do when you inherit an IRA
• Section 199A passthrough deductions on real estate

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 best days of trading usually come after the worst days of trading. Right now everyone is feeling pretty rotten with large cap stocks outperforming small cap and the stock market experiencing a rather mediocre year. Also, money managers have been doing some loss harvesting which is sure to cause volatility in the market. Other topics include:

• The inverted yield curve
• The importance of Roth contributions
• Year-end CPA talks
• Avoiding underwithholding taxes

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

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

Today may be Halloween, but next week is when spooky stuff starts arriving in the mail. Overall the market is flat on the year, but bonds for the most part are negative. Sometimes we see these points where several asset classes fall at the same time which can be a problem for retirees who average out of classes. Is your portfolio doomed to sell when things are down? Other topics include:

• Rising rates, wage inflation & the need for revenue growth
• ETF’s vs. mutual funds
• Scary financial mistakes

You’ve set goals for investing . . . so now what? Now is the time to learn a bit more on wealth accumulation and what to do after your 401K. Join me on Saturday, November 17th at the Rotary Summit Center in San Jose. 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.

People are moving away from the Bay Area and taxes are where future former residents are pointing their fingers. If you are considering relocating solely because of taxes, there are many more things to consider before packing up. Are you trading higher property tax for lower state tax that will it save you money in the long run? Would you benefit more by living in a community property state? Other topics include:

• End of year tax issues
• Tips for younger investors
• A conservation easement investment pitch from an enrolled agent
• The best way to make charitable contributions

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.

Last year big changes were made when real estate was pulled out of the financial sector. Now Google and Alphabet are moving to the new communications sector, joining the likes of AT&T and Verizon. It has also been announced that the Instagram cofounders are leaving Facebook. This is not great news for anyone who owns XLK, the ETF that will no longer hold Facebook or Alphabet. Other topics include:

• Preparing for the Q3 “buy/sell everything” financial media reports
• All about RMD’s
• Things to do with your withholding
• Widows social security benefit decline

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.

Last year was remarkable not only because market expectations were low and US leadership was less than desirable, but also because US equities consistency delivered positive returns. Typically we have an intra-year drawdown of 14%; in 2017 the maximum was around 3%. Are these numbers real or just based on corporate tax cut projections? Other topics include:

• Stock market FOMO
• Leveraged ETF’s
• Funding Roth IRA's and Roth 401k's assuming we see a rise in taxes
• Situations where reverse mortgages work
• Is a 1031 exchange the right move for this SF landlord searching for better yield?
• Is mortgage heloc tax debt deductible anymore?

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.

No tricks lie ahead. The spookiest day of the year is here and it’s time I treat you to some of the scariest investment mistakes any boy or ghoul could make. Today I explain how a custodian can prevent your investment from transforming into a Ponzi scheme and how to recognize if some radio vampires out there are looking to bleed you dry. Other topics include:

• Retirement nightmares
• Stranger things in Singapore’s investment policies
• Young investor nightmares
• Insurance horror stories

Retirement planning is more complicated than ever, but focusing on a few essential issues can help increase your income in retirement and your chances of enjoying a secure future.Please join us for our Retirement Income Strategies and Estate Planning Seminar On November 16th at the Toll House Hotel in Los Gatos. Click HERE to sign up!

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

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

September is already almost over and in just a few weeks another earnings season will come to an end. I kick today’s show off by responding to a couple of listeners emails. One listener asks if it is wise to invest money borrowed against their 401k intending to repay with the 5% interest. Did this listener find a genius way stuff more money into their 401k? Larry, who just discussed Roth IRA conversions with his CPA, is concerned the market is too high and is considering waiting for a correction.  Should Larry wait to move forward with his plan? Other topics include:

• Picking funds inside your 401k
• Different ways to measure risk
• The Bitcoin “bubble”
• Motivating your kids to learn, save and work if you plan to leave them large amounts of money in your estate plan
• Investing for college

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.

Could self driving cars unseat truck drivers? As technology and automation efficiency improves many Americans stand to lose their jobs. Where should investors be looking to put their money and what social issues should be taken into consideration?

• Is this US News and World report about underfunded retirement plans useful or just financial fluff?
• Should you invest in automation or invest in your skills?
• Could male to male lending make for poor financial decisions?
• James calls in with a question about using no load annuities to pay for long term care insurance
• What you need to know about RMD’s if you are 70 or older

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.

Could self driving cars unseat truck drivers? As technology and automation efficiency improves many Americans stand to lose their jobs. Where should investors be looking to put their money and what social issues should be taken into consideration?

• Is this US News and World report about underfunded retirement plans useful or just financial fluff?
• Should you invest in automation or invest in your skills?
• Could male to male lending make for poor financial decisions?
• James calls in with a question about using no load annuities to pay for long term care insurance
• What you need to know about RMD’s if you are 70 or older

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 visit www.NewFocusFinancial.com.

Between low interest rates and cash buyers, is real estate an issue again? Many baby boomers have been cashing in on their Bay Area homes. is this due to great appreciation or smart retirement planning? A recent poll shows almost half of the Millennials are looking to leave since housing and income are nowhere near in sync. So what is a smart way to use your house as part of your retirement plan? What do you do when capital gains taxes are too much to swallow? Other topics include:

• 6 major steps to ensuring success in retirement
• Financial spring cleaning
• Why own bonds at all?
• REIT’s
• Reassessing old life insurance policies

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.

1099’s and W-2’s are arriving in the mail which is a sign that tax season is approaching along with phone and email scams. Why you should be more skeptical as companies such as Turbo Tax may be adding more "offers" to their software. You also need to be aware of permanent life insurance and other products not meant for people still building a financial base. Other topics include:

• Why buy term and invest the difference
• How much do you have to earn if you didnt invest in a 401k
• How much you need to have saved for retirement at each stage of life
• Why retirement planning isn't a single date in the future
• Best accounts to teach your children about saving and investing
• How advisors can add Tax Alpha

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

Is asset class more important than sector allocation? Today I walk Amanda through the general in's and out's of investing highlighting which factors need the most consideration. I also share common IRA, 401k and trust beneficiary mistakes that can really hurt. Roth 401k vs. Roth IRA -which one is best?

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.

Where are we right now in the market compared to last year when we were in an earning recession? Can the Trump administration deliver on post-election expectations quick enough for the market? S&P 500 reports growth in 10 of 11 sectors with tech and real estate reporting revenue growth above estimates since Q4 2016. I also explain why you are hearing more about the real estate sector right now and different subsectors inside real estate. Other topics include:

• Revenue and where it comes from in S&P 500
• Bob currently has 2 unconstrained bond funds and is not sure what bonds funds he should be in
• Hedging portfolios
• Estate planning in the Trump administration
• Digital assets
• An odd story about someone who forgot to check their mail and now it’s costing them $80 million and counting

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

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

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

Tax season is usually a confusing time for most people. Today I share several common mistakes people make such as filing a 1099 early or filing an extension under the belief you’ll have extra time to fund an IRA or ROTH. Whether you file your own taxes or leave it to your CPA, do not make these mistakes! Other topics include:

• Trump and our terrible tax code- Should I be afraid for my job?
• Estate planning mistakes from elder care attorney Randall Kaiden
• Using options to protect concentrated positions on a stock
• Hedging against drawndowns in retirement

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.

1099’s and W-2’s are arriving in the mail which is a sign that tax season is approaching along with phone and email scams. Why you should be more skeptical as companies such as Turbo Tax may be adding more "offers" to their software. You also need to be aware of permanent life insurance and other products not meant for people still building a financial base. Other topics include:

• Why buy term and invest the difference
• How much do you have to earn if you didnt invest in a 401k
• How much you need to have saved for retirement at each stage of life
• Why retirement planning isn't a single date in the future
• Best accounts to teach your children about saving and investing
• How advisors can add Tax Alpha

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.

General market conditions have people reacting as if lower taxes and less regulations would be in effect by the end of the week. The truth is these changes will take time. Companies will adapt to new regulations and so can you! Do not get burned by overreacting and make sure to judge your risk tolerance before rebalancing your portfolio. Other topics include:

• Steps to rebalancing your portfolio
• 2016 in review
• Savers tax credit
• IRS scams
• Best ID theft protection
• Probate process and issues

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.

Some financial planners are only Registered Investment Advisors and don’t have any true credentials. Today I explain what a Certified Financial Planner™ practitioner knows about creating and managing wealth that make a huge difference over your lifetime. Specific topics include

• Taxes
• Stock options (ESPP’s, Non-Qualified Stock Options, Incentive Stock Options, RSU’s, 83b elections, etc.)
• Insurance Advice without the sales
• Retirement Planning
• Investing Mistakes
• Estate Planning

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 reminisce about my 23 years as a Certified Financial Planner by talking about the top 10 retirement issues I will be discussing during the webinar THIS WEDNESDAY. I review current day retirement problems and explain solutions.  I cover a chart that shows individuals net worth as a percentage of income and explain the correlation with taking too much risk. Harry from Castro Valley calls in to ask about social security spousal benefits and when he should ‘turn on the tap’. I also discuss the best cities to retire overseas.

Our 10 Pillars of Retirement webinar on the 21st is FREE, but we still need you to sign up! Click HERE to register for information and strategies you’ll need if you want to increase your chances at a care-free 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.

Where has the stock market taken us since Black Monday in 1987, almost 30 years ago? Rob Black looks back at what we have gotten from corrections and why your 401k among other investments make for a long term game. Other topics include:

• Fixing social security
• Value Line –Investment research firm that provides data on individual stocks
• Reevaluating your insurances
• The next economic downturn

There's still time to sign up for the Retirement and Wealth Planning Seminar tonight at the Elks Lodge in Palo Alto. Admission is only $5. 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

Where has the stock market taken us since Black Monday in 1987, almost 30 years ago? Rob Black looks back at what we have gotten from corrections and why your 401k among other investments make for a long term game. Other topics include:

• Fixing social security
• Value Line –Investment research firm that provides data on individual stocks
• Reevaluating your insurances
• The next economic downturn

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.

Where has the stock market taken us since Black Monday in 1987, almost 30 years ago? Rob Black looks back at what we have gotten from corrections and why your 401k among other investments make for a long term game. Other topics include:

• Fixing social security
• Value Line –Investment research firm that provides data on individual stocks
• Reevaluating your insurances
• The next economic downturn

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.

Netflix smashes earnings expectations, but the final presidential debate and Wikileaks continue to drive the news. Will we face a market correction depending on the elections outcome? Fear is pushing people into investing mistakes such as raising cash and not investing it and using potential rate increases or low expected returns as an excuse to avoid investing. Other topics include:

• VIX Index- Is it wise to by the volatility index going into the elections to hedge against volatility?
• Who is taking social security and when? How are people affecting their benefits?
• Business owners and retirement planning- What do they need to know? What do they need to do?
• Can CFP’s offer investments that others can’t?

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.

Some financial planners are only Registered Investment Advisors and don’t have any true credentials. Today I explain what a Certified Financial Planner™ practitioner knows about creating and managing wealth that make a huge difference over your lifetime. Specific topics include

• Taxes
• Stock options (ESPP’s, Non-Qualified Stock Options, Incentive Stock Options, RSU’s, 83b elections, etc.)
• Insurance Advice without the sales
• Retirement Planning
• Investing Mistakes
• Estate Planning

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

Some financial planners are only Registered Investment Advisors and don’t have any true credentials. Today I explain what a Certified Financial Planner™ practitioner knows about creating and managing wealth that make a huge difference over your lifetime. Specific topics include

• Taxes
• Stock options (ESPP’s, Non-Qualified Stock Options, Incentive Stock Options, RSU’s, 83b elections, etc.)
• Insurance Advice without the sales
• Retirement Planning
• Investing Mistakes
• Estate Planning

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 reminisce about my 23 years as a Certified Financial Planner by talking about the top 10 retirement issues I will be discussing at our event this Thursday. I review current day retirement problems and explain solutions. I cover a chart that shows individuals net worth as a percentage of income and explain the correlation with taking too much risk. Harry from Castro Valley calls in to ask about social security spousal benefits and when he should ‘turn on the tap’. I also discuss the best cities to retire overseas.

10 Pillars of Retirement Income Planning (free entry code special 10 Pillars)
https://www.facebook.com/events/660713474082700/

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.

Want to build a financial base? You should accumulate assets, not liabilities. Sounds simple, but some people get confused by the difference. Chad Burton, CFP^®, and Rob Black discuss this and other steps on the road to wealth.

Commercial-Free

The Internet offers a world of tools that can help you increase your savings. Chad Burton, CFP^®, and Rob Black discuss everything from credit cards to websites that could help get you closer to retirement.

Commercial-Free

Today I explain asset classes and what will happen to REIT’s when the S&P 500 adds real estate as a sector this September. I also discuss the probable rate hike from the feds and why we could see some volatility if they don’t. Other topics today include:

• How to continue charitable donations after death
• What to do when you only have bad 401k choices

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.

I kick off today’s show by explaining how a rate hike would affect bonds and other accounts after Lisa asks if she should go all in on floating-rate funds. I then read through several rate hike headlines that are more likely to cause panic instead of helping your portfolio. Other topics for today include:

• How to protect yourself from phishing
• A stupid commercial that flat out lies about the volatility of gold
• Social Security and survivor benefits

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.

Encore Edition

I kick off today’s show by explaining how a rate hike would affect bonds and other accounts after Lisa asks if she should go all in on floating-rate funds. I then read through several rate hike headlines that are more likely to cause panic instead of helping your portfolio. Other topics for today include:

• How to protect yourself from phishing
• A stupid commercial that flat out lies about the volatility of gold
• Social Security and survivor benefits

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 explaining how some people get swindled by financial advisors and how to spot an illegitimate advisor. I also discuss:

• Protecting your family and yourself from identity theft.
• Financial planning with elderly family members without overriding.
• An article linking giving to happiness in seniors and several options for you to do the same.
• I give Edward my opinion about investing in emerging markets.
• I also define and explain Dollar-Cost Averaging, No-Load funds and ETFs.

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.

I open today’s show with a rant on the upcoming presidential nominations and the tax code which still desperately needs fixing. I then discuss the sense of relief as the US economy experiences slow growth from the beginning of the years decrease. Other topics include:

• Explanation of short covering
• Is your portfolio right for your risk number, old life insurance policies and long term care insurance situations
• I respond to and email about protecting yourself from fraud.
• Can over-allocating cash harm your retirement success?
• A radio show I listened to about 1031 exchanges and avoiding capital gains urges me to discuss hidden risks and situations you should be wary of

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 several market stories on the overall look of 2016’s market, weak consumer inflation data out of Eurozone, healthy inflation in the US and China cutting central banks’ reserve requirement. United Development Funding blowing up Twitter causes me to reiterate why I caution others to stay clear of private REIT’s. Other topics for discussion include:

• Triple net 1031 exchanges
• 6 ways to prevent going broke in retirement
• How do you begin building of a strong portfolio?
• The annuity 99% of clients should avoid, and no-load annuities

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.

You need a financial planner you feel comfortable with and whose fees you clearly understand. Chad Burton, CFP^®, and Rob Black discuss the steps you can take to get there.

Commercial-Free

I answer questions about 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 discuss:

• Protecting your family and yourself from identity theft.
• Financial planning with elderly family members without overriding.
• An article linking giving to happiness in seniors and several options for you to do the same.
• I give Edward my opinion about investing in emerging markets.
• I also define and explain Dollar-Cost Averaging, No-Load funds and ETFs.

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.

Mashup-Edition

Retirees sometimes consider a move to a no-income-tax state. But they need to consider whether their new home state has an estate tax. Chad Burton, CFP^®, and Rob Black discuss options to protect your estate.

Commercial-Free

I open today’s show by explaining how some people get swindled by financial advisors and how to spot an illegitimate advisor. I also discuss:

• Protecting your family and yourself from identity theft.
• Financial planning with elderly family members without overriding.
• An article linking giving to happiness in seniors and several options for you to do the same.
• I give Edward my opinion about investing in emerging markets.
• I also define and explain Dollar-Cost Averaging, No-Load funds and ETFs.

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.

Some homeowners use their home equity like it's an emergency reserve fund—but that's a bad idea. Chad Burton, CFP^®, and Rob Black discuss the downsides of using your home equity line of credit to pay for expenses and how much you should put aside in an emergency fund.

Commercial-Free

From market corrections to low interest rates, investors have plenty of concerns that could keep them up at night. Chad Burton, CFP^®, and Rob Black discuss recent issues and how it's important to accept fear and invest—just invest smartly.

Commercial-Free

Jack Mohr (Jim Cramer’s Charitable Trust) is back on the show as we discuss Apple’s success in iPhone sales in China, Alibaba’s huge increase in revenue, reasons for Twitter’s stalled user growth and other market news.

I equate the Chinese market to gambling and stress buying stock in quality companies.

Advice on keeping your financial advisor and custodian separate to protect your assets.

I also talk about a survey that shows many Americans hold 65% of their net worth in cash instead of investments and how this is hurting their retirement plans.

Things you need to do now to be ready for taxes next April and big changes in FAFSA.

Don't forget to register for our upcoming seminar on Thursday, November 5th at the Elks Lodge in Palo Alto. 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 go over tax issues when inheriting money including IRA’s. I discuss gift tax rules and the advantages of using 529 plans for estate planning and college planning. I also take a look at renting a home vs. buying. I go over an email question regarding using life insurance as an investment and explain the American Opportunity Tax Credit for college. Rob Black and I talk about building a financial base and why you want a fee based financial planner.

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 Mash Up Edition!

Michelle Lerman and I discuss what happens when a will doesn’t address certain scenarios, leaving the state to figure out its intentions.

Why Warren Buffet isn’t afraid of the volatile market and his plans going forward.

Roth IRA vs. Roth 401k

Handling uncomfortable money situations such as dining with bad tippers or investing in a friend’s startup you don’t believe in.

There's still time to register for our upcoming seminar this Thursday, September the 10th at the Sheraton Hotel in Pleasanton. Click HERE to sign up!

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

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

In a time of low interest rates, some annuities might make sense. Chad Burton, CFP^®, and Rob Black discuss how no-load annuities could play a role in a retirement income strategy, but there are still red flags to look out for.

Commercial-Free

I cover 15 simple things you can do on your own before you hire a financial planner. Tasks such as tracking your family’s spending, setting budgets, creating emergency reserves, paying off non-mortgage debt and monitoring your credit. I discuss 401k vs. Roth IRAs and other tips that can help you build a financial foundation.

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

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

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

I take a critical look at what some are calling China's currency war and why it is different from the 1997 Asian currency crisis.

On its 80th birthday, I talk about how social security fits into retirement plans and the changes that need to take place in the future.

Multiple scenarios that determine if it is time to refinance your mortgage.

I discuss an article that claims fees are not the reason active investing often loses to passive investing, which I have stated many times before.

Issues to consider when planning a college savings 529 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 take a critical look at what some are calling China's currency war and why it is different from the 1997 Asian currency crisis.

On its 80th birthday, I talk about how social security fits into retirement plans and the changes that need to take place in the future.

Multiple scenarios that determine if it is time to refinance your mortgage.

I discuss an article that claims fees are not the reason active investing often loses to passive investing, which I have stated many times before.

Issues to consider when planning a college savings 529 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.

Although it's a good rule of thumb to roll over your 401(k) when leaving a company, there are times you shouldn't. Chad Burton, CFP^®, and Rob Black discuss those times as well as other retirement plan issues, such as pre-tax vs. after-tax dollars and how to figure out if your plan is a bad one.

Commercial-free

I cover 15 simple things you can do on your own before you hire a financial planner. Tasks such as tracking your family’s spending, setting budgets, creating emergency reserves, paying off non-mortgage debt and monitoring your credit. I discuss 401k vs. Roth IRAs and other tips that can help you build a financial foundation.

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.

People come up with all kinds of reasons to retire, including the "give up" retirement that can follow after a layoff. Chad Burton, CFP^®, and Rob Black discuss these reasons versus the most important factor in decision-making: your portfolio's value.

Commercial-Free

Today Rob Black  advises younger generations on simple ways to start saving for retirement.

Rob also discusses why he views recessions as a good thing and common mistakes people make during one.

Kerry Flynn calls in and elaborates on her article on how social media companies are attracting people from other fields.

She also discusses how coding schools actually make their money.

Rob answers an e-mail from a listener who failed to maintain his portfolio and the ugly consequence.

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 discuss the steps to build a retirement portfolio that lasts. The White House plans to make tougher rules commission based advisors that manage retirement accounts and don’t have your best interest in mind. Are interest rate increases coming sooner than later?

I also take a caller who has a question about rebalancing his 401k, then I clear up some mis-information regarding taxes on inherited money.

 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.

Sometimes people want to know who is supplying the parts to big-name companies such as Apple. They figure investing in the suppliers could mean a home run financially, but Chad Burton, CFP^®, and Rob Black discuss whether that's really true.

Commercial-Free

Sometimes people put off considering whether they need insurance, such as life or long-term care. The subject can be unpleasant, and the insurance expensive. Chad Burton and Rob Black take a look at the types of insurance people can consider and why they might need it.

Commercial-Free

     Marissa Mayer becomes the highest paid woman on the S&P 500 and Yelp joins Twitter as once favored but now crashing stocks. I discuss how much stocks vs. bonds you should have – It’s different for everyone. Microsoft vows to triple its revenue from cloud based products and Tony Mendes discusses who should be buying rental properties. Chris Ciaccia of TheStreet.com gives his opinion on the actual impact of the Apple watch and weighs in on the prediction that cable/satellite TV will be dead in 10 years. Buffalo Wild Wings takes a massive hit from the rising price of chicken. Rob offers some thoughts on the impending market correction and who profits from the unrest in Baltimore.

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 cover 15 simple things you can do on your own before you hire a financial planner.Tasks such as tracking your family’s spending, setting budgets, creating emergency reserves, paying off non-mortgage debt and monitoring your credit. I discuss 401k vs. Roth IRAs and other tips that can help you build a financial foundation.

Sign up for one of our TWO seminars on April the 25th in San Jose! 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

Economist and featured columnist at Forbes.com, Bill Conerly calls in to discuss oil, the US Dollar and when to buy commodities. I discuss avoiding three typically bad ideas: non-traded REITs, most annuities, and life insurance as an investment. I cover a listener email on index life insurance and explain why you typically avoid commissioned based salesmen disguised as financial planners.

To sign up for one of the TWO upcoming seminars 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 and I discuss Goldman Sachs calling the bottom on oil and earnings reports from Wells, J.P. Morgan and J&J. I explain why we need social security reform - Chris Christie has a plan, but not a perfect one. I give you 6 ingredients of a well planned retirement portfolio and ways to leverage your IRA in your estate plan.

To sign up for one of our TWO upcoming seminars in San Jose on April the 25th, click HERE. Hurry because our San Jose seminars fill up fast!

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 March’s abysmal performance and what it did to expectations. Greece cannot make its mind up about exiting or staying in the EU, much to everyone’s aggravation. Rob discusses the downside of the rising dollar. How your work-life balance can hurt your retirement accounts. Maria Gallucci of the International Business Times discusses how the drought and climate change are affecting banana production around the world. Are we misappropriating our water here in California? What you may not know about the almond industry.

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 go over tax issues when inheriting money including IRA’s.  What is the fastest way to $1 million. I discuss gift tax rules and the advantages of using 529 plans for estate planning and college planning. I also take a look at renting a home vs. buying.  I go over an email question regarding using life insurance as an investment and explain the American Opportunity Tax Credit for college.

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 today’s important Fed announcement and healthcare costs after 65. We also go over:

• I discuss Medicare A and B, supplemental insurance and their costs.
• How HSA (Health Savings Account) plans work in retirement.
• Is Apple poised to reinvent TV?
• Elon Musk smugly forecasts the end of humans driving cars in several years.
• Getting the best benefits from credit cards depending on your lifestyle.
• Rob and I go over the rules of palimony in California.
• Rob shares his thoughts on Google shares.

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 and analyzes the more over-looked financial news stories of the week. Stories like GM reducing its warranties on Chevrolet and GMC vehicles. Also discussed is:

• Why would you roll-over a 401k to an IRA?
• What are dividend aristocrats and how to identify them.
• Tony Mendes discusses the state of real-estate in the bay area, including some incredible statistics about San Jose and San Jose’s pent up demand.
• Cole Stangler of International Business Times discusses how the rosy employment report is not exactly telling the truth. 

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 analyzes and explains the latest market news and its impact on your portfolio. Rob and I discuss options for a listener with less than adequate savings. Some rules of thumb in retirement and myths about your budget in retirement. When should you start drawing from your IRA. Dr. Jeff Rosen chimes in on the Euro’s 12-year low. Sirius XM radio looks at their options without Howard Stern in their stable. 

To sign up for our seminar TOMORROW in Walnut Creek, simply 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

As your loved ones age, they become more vulnerable to scams. Chad Burton and Rob Black talk about how to help your family members protect themselves, including the importance of developing a family plan and noticing the warning signs of a scam.

Commercial-Free

Today I discuss the question of has real estate taken a back-seat to technology in the minds of America’s youth? I also discuss:

• How Gen-Y is spending its savings.
• An article that the departure of baby-boomers from the workforce is not a problem – or is it?
• I answer a listener email about Identity theft recovery.
• When is the best time to rebalance?
• Protecting yourself online when you communicate with insurance companies and other financial institutions.

Details on our upcoming seminar in Walnut Creek on March 12.

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

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

Commercial-Free

On today’s show I answer the question “Is the market over-valued?” How to know your risk score and when to re-balance your portfolio. Other topics include:

• Having good allocation between U.S. stocks, foreign stocks, government bonds and more.
• The difference between common stock and preferred stock.
• Should you convert to a Roth IRA?
• Mutual funds and taxes vs the tax implications of an ETF.

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 recaps a fantastic February in the stock market and I discuss why risk tolerance and rebalancing are critical to good investors. Tony Mendes takes a look at housing in 2015 and weighs in on some forecasts made by Forbes. He also dissects how FHA loans work. Then Michael Learmonth, Tech Editor of the International Business Times discusses important news like a patent lawsuit between Apple and Erickson.

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 go over tax issues when inheriting money including IRA’s.   I discuss gift tax rules and the advantages of using 529 plans for estate planning and college planning. I also take a look at renting a home vs. buying.  I go over an email question regarding using life insurance as an investment and explain the American Opportunity Tax Credit for college.

To sign up for our webinar 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 the steps to build a retirement portfolio that lasts. The White House plans to make tougher rules commission based advisors that manage retirement accounts and don’t have your best interest in mind. Are interest rate increases coming sooner than later?

I also take a caller who has a question about rebalancing his 401k, then I clear up some mis-information regarding taxes on inherited money.

Sign up for Thursday's webinar 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, Rob lets you in on the latest financial news from companies like GM, Staples, Tesla and more. I discuss portfolio construction and Rob discusses every parents’ worst nightmare. What you want to insure and not. Dr. Jeff Rosen of TheStreet.com analyzes the latest retail sales numbers.

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

Coca-Cola announces its new offering of milk with added protein. Rob and I talk about picking stocks solely by dividend yield. Staples buys its last competitor, Office Depot. Disney exceeds its quarterly expectations and expects even more from its “Frozen,” merchandise. Rob takes a listener’s call about the future of 3-D printing and Dr. Jeff Rosen of TheStreet.com checks in with the latest economic data.

To sign up for our upcoming webinar, 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 Q4 earnings results, gauging risk in your portfolio, the topic of “Collaborative Divorce”, and different ways incorrect emotions and beliefs regarding money that can lead to mistakes.

To sign-up for our BRAND NEW webinar on Thursday, February th 26th, 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 your financial mindset and why cable news is bad for your finances. Other stories include:

• Several notable corporations take some big hits
• I discuss some red flags in your tax return that the IRS will be looking for
• The average 401k balance is looking up.
• Lauren Lyons Cole of TheStreet.com talks about the spending habits of Americans
• Rob discusses McDonalds' slide and a plan to get them back to being relevant. 

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 brilliance of Warren Buffett and understanding that you don’t have to be a brain surgeon to invest well. Other topics include:

• A measles outbreak causes a rush to get children vaccinated
• Distrust of financial firms in favor of technology
• Chris Ciaccia of TheStreet.com discusses Microsoft’s exciting new hologram technology
• When brands change and get old

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

Scott Smith, CMT, of Briefing.com joins us to discuss technical indicators to watch this year. I answer a listener's email question about the pros-and-cons of Lending Club and I also cover different types of crowd funding.

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

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.

 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 and I talk more on term vs. permanent life insurance and which is best for you. We also go over what to expect at our upcoming seminar on January the 15^th in Palo Alto. Job numbers come in and unemployment continues to decrease, but there is a catch. Tony Mendes sits in studio and talks about the uptick in real estate transactions and the uncertain housing market. Rob takes a call on the future of Coca-cola. Starbucks’ C.O.O. takes an extended break and google wants to help you pick auto insurance.

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 term vs. permanent life insurance and which is best for you. We also go over what to expect at our upcoming seminar on January the 15^th in Palo Alto. We also answer an email from a listener looking for help with diversification. Rob then goes over what makes a safe investment and some stock market winners. Tony Mendes stops in to discuss real estate and Rob gives us an update on the market.

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 discusses the market’s volatile beginning of the year and how it’s going to be ok.

• Then, I join Rob to discuss the low interest rates around the globe and what they mean to banks and you.
• McDonald’s desperately looks for a way to capture the taste buds of the current generation
• Dr. Jeff Rosen of Briefing.com tells us that the economy is marching on.
•  El Pollo loco’s exciting IPO and the world wide effects of the low price of oil. 

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 sits in with me and discusses moves you’ll want to make in your financial game plan. Topics include: Ebola, Facebook, real estate, European Union, stronger dollar, UPS, Amazon, Apple, reverse mortgage & more.

Encore presentation

For more information on tomorrow's Meet n' Greet in Bay Shores, 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 origin of my career in financial planning and why I created the Ten Pillars of Retirement plan. I also discuss the cost of inflation and healthcare inflation especially. Also covered are : certain analysts anticipate another correction and an article about companies cutting union pensions.  

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

Rob discusses upcoming disruptive technologies like smarter TVs, driverless cars and same-day delivery. What will 2015 look like after 2014’s stellar market performance? And Dr. Jeff Rosen talks GDP numbers and its relation to oil prices. Rob then takes some time to reinforce how critical it is to talk to your teenager(s) about saving money before they learn the hard way in their 20’s.

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 calls in to summarize the market’s actions in 2014. We take a look at predictions for the dollar, oil, earnings, foreign markets, small caps and so much more! I take a listener’s e-mail question about dividend achiever ETF’s vs High Yield Stock Etf’s and we discuss spotting signs of financial impairment in the elderly.

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 analyzes the lowest oil prices in years and the upcoming trouble in the Russian Ruble and economy. Then I take listener calls about oil stocks and asset allocation. I also the most tax efficient ways to give and how check up on your charities.

To sign up for the FREE webinar, taking place this Thursday at 6:30pm to 8:00pm - 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 low mortgage rates and how they can alter your retirement plans. We also discuss Apple’s next six months, calculating the affordability of a mortgage, Streaming video vs. Cable TV and Brian Sozzi from TheStreet.com talks holiday retail trends.

To sign up for our upcoming seminar or webinar, click HERE.

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

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

Commercial-Free

Today’s guest is Briefing.com Senior Technical Analyst, Scott Smith, CMT.  Scott and I discuss current market trends from a technical angle.  I also cover listener questions on pulling money from a 457 plan to buy a home, year-end planning issues and whether or not I am concerned with the Harry Dent Jr. prediction that baby boomers will sell all the stocks at retirement and cause a market crash. 

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 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.

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)

Encore presentation

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.

Encore presentation

Commercial-Free

Jack Mohr of TheStreet.com comments on OPEC, the GDP and the state of consumers. We also discuss:

• Japan’s consumption tax
• Performing your own energy and utility audit
• Listener calls about 457 plans with Roth options and maximizing several IRAs

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 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.

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 on Veteran’s Day, I talk to Jack Mohr of thestreet.com about Alibaba making $9.3 billion on “Singles day” in China, and how they have better margins than Amazon. Other topics include:

• Whole Foods' stock and White Wave Foods.
• 43% of companies report losing customer data in 2014
• Real Estate prices swelling at a possibly unsustainable rate
• Naming a living trust as a beneficiary of your retirement accounts
• Is a partial Roth conversion for you?

To sign-up for our upcoming seminar in Foster 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 discusses everything and anything regarding finance with retail analyst Brian Sozzi about department stores, holiday sales, brick & mortar vs online sales and more. Other topics include:

• Where to start investing in your retirement
• Oil prices
• Sales of cable T.V. commercials take a noticeable dip
• Healtcare limits and deadlines
• 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 Scott Smith, CMT, with Briefing.com gave us a rundown from the view of a market technician.   I also review a re-cap of Q3 Earnings thus far and discuss the renewal of social security paper statements, the perils on non-traded REIT’s and retiring out-of-state.

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 talks about love, sweet love - and how it impacts your financial life. The partners we choose and the way we attract them have more to do with your financial success than you were aware of!

To sign up for our latest seminar, click HERE.

To get your question answered live on the air, call 1-800-516-1220 from noon to 1p, (PST) to speak with CFP, Chad Burton!