I express frustration over reporters who act like they are calling market ups and downs, persuading many to mess with their portfolios when they have zero experience in the business. I then go through a “laundry list” of things that need to happen before we see stabilization in the stock market; focusing on Chinese currency stability and an end to their government intervening, Apple's explanation for the slowdown in suppliers and oil causing uncertainties in many companies.

I also respond to several listeners emails:

• Howard asks if REITs and dividend paying ETF’s are bond replacements.
• Michelle has 403B and works and lives in California with plans to retire in Nevada. She wants to know what will happen to the state income taxes she has deferred.
• Aldo asks if I would recommend a revocable living trust to protect his assets when he has no wife or children.
• If couple draws from social security, interest on cd’s and tax free bonds, and annual stock dividends, is social security taxable at state and federal level?

 

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

 

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

 

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

Today I discuss China's currency manipulation as well as some commentary from bond investor Bill Gross who is encouraging exposure to developing markets due to the difference in demographics vs. the USA. Last week I learned of the untimely death of a high school friend which prompts the discussion of protecting your family in the event of an early death or disability.

I also respond to the emails of several listeners:

• Can fiancée's creditors come after you after you get married?
• Setting up and funding a Backdoor Roth IRA.
• Self employed people using a combo defined benefit/401k plans to put a ton of money away pre-tax and fund huge Roth IRA's.
• Protecting your credit when you cosign for a loan and the other person stops making payments
• Is it wise to pay off your condo, or should you rent it out and live elsewhere while interest rates are still low?
• Holding on to long term care insurance.

 

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

 

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

 

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

 

Encore edition

Today I discuss China's currency manipulation as well as some commentary from bond investor Bill Gross who is encouraging exposure to developing markets due to the difference in demographics vs. the USA. Last week I learned of the untimely death of a high school friend which prompts the discussion of protecting your family in the event of an early death or disability.

I also respond to the emails of several listeners:

• Can fiancée's creditors come after you after you get married?
• Setting up and funding a Backdoor Roth IRA.
• Self employed people using a combo defined benefit/401k plans to put a ton of money away pre-tax and fund huge Roth IRA's.
• Protecting your credit when you cosign for a loan and the other person stops making payments
• Is it wise to pay off your condo, or should you rent it out and live elsewhere while interest rates are still low?
• Holding on to long term care insurance.

 

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

 

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

 

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

Today I discuss the overall flat day on the market for Wall Street as European stocks close at their lowest since September and energy companies (taking the biggest hits) overall pulling down the index. I then explain why you should have a positive outlook on 2016 as central banks may finally be recognizing they have been over involved in economy. Other topics for discussion include:

• Alternative investment strategies such as long/short hedge funds
• Critical dates for retirees
• Is your retirement plan adjusted for inflation?
• Rebalancing points in your portfolio

I also take a call from Michael who asks if he should keep his long term care policy he bought from GE after it has been bought by another company.

 

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

 

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

 

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

I open today’s show by talking about how municipal bonds outperformed other strategies in 2015. I go over some financial New Year’s resolutions I feel many people need to focus on including why you should rebalance your portfolio at least once this year. I then talk about the new budget deal that allows people to roll over required minimum distribution’s from IRA’s to charities and the new rules that allows employers to let workers make in plan conversions from their 401k to their ROTH 401k.

I also respond to emails: Brian's elderly aunt has been taken advantage of financially by other family members and he wants to help protect her assets; and Adam who wants to know the best way to leave his son a house and his daughter his IRA in trust.

 

Don't forget to register for our upcoming seminar at the Elks Lodge in Palo Alto on Thursday, January 29. Click HERE to sign up!

 

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

 

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

Today I talk about the large drop in the Shanghai index spilling over to our market on the first day of trading in 2016. I discuss whether or not junk bonds may cause the next big economic crisis. I also explain why I think these seminars that coach people to cash in their retirement accounts to buy index life insurance are criminal.

Other items for discussion:

• Rant on people who pitch retirement scams where insurance agents tell half truths.
• Taxes on indexed universal life insurance, 401ks and IRA’s.
• How indexed universal life insurance can disappoint.
• Two scenarios where universal life insurance policies work as a bond alternative for the very high income earner or the wealthy person that does not need their IRA.

 

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 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 answer several other listeners' questions:

• James calls in to discuss how outstanding student debts will shape our economic future.
• Jamie asks if it is wise to gift 14k/year to children for tax purposes.
• Dean wants to know if I prefer monthly or percentage based rebalancing for portfolios.
• What are the pros and cons of converting a 401k to a Roth IRA?
• Joel asks if he should wait until next April to request his first IRA distribution and should he take RMD due from an old 401k for his bank account IRA.

 

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.

Mashup Edition

I talk about the Federal Reserve meeting happening today and the first potential rate hike since 2006. I also discuss other market news such as the crash in oil prices and the rising US dollar affecting companies in the S&P 500. Boeing announced a major dividend increase. We talk results of the disaster in the high yield bond market and the concerns of Third Avenue Focused Credit Fund suspending withdrawals from its junk bond mutual fund. Other topics include:

• Several ways that investing ONLY for income can hurt you.
• Should you rent in the Bay Area until the next correction? Borrowing from your 401k to make a down payment can be a huge mistake.
• Guidelines for gifting appreciated stocks to charities and tax limitations.
• How Charitable Remainder Unitrust can give you tax breaks and income.
• How technology will transform 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.

Rob Black is filling in again and begins today’s show by talking about another fall in oil as OPEC decides to not change their production targets. He also discusses other market stories such as:

• Another fall in Chipotle stocks and will they be more interesting when the E. coli break is over.
• The slowdown in the Chinese economy.
• LeBron James signing a lifetime deal with Nike for up to 500 million dollars.
• Anglo America cutting 85,000 jobs with plans to sell 60% of their assets.
• Airbnb gets rated the 3rd highest startup, but questions the fact that it has more liability issues than hotels.
• Netflix puts Redbox on road to destruction.
• Recent success for Disney with Star Wars and other movies.
• Katy Perry named the highest paid musician last year.

 

I call in and talk about market fears like emotional investors, low interest rates with high inflation and how large countries like Japan struggle with debt.

Tony Mendes and Rob discuss home owners insurance, being underinsured and multi policy discounts.

Rob asks Patrick O’Hare if we should be concerned that oil continually hits new lows and why the oil collapse is a problem. He also asks Patrick if we should avoid or find value in the higher interest rates for housing and what effect would 2016 Hillary Clinton election have on the market.

 

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.

Sitting in for Chad Burton today is Rob Black. Today Rob discusses the pros and cons of the drop in oil prices as it falls to $38 a barrel for the first time since 2009. Other topics covered include:

• Chipotle attempting to recover from its E. Coli outbreak.
• Smith and Wesson expectations to see strong results in fourth quarter.
• Keurig sells for $14 billion after shares fall 61% this year.
• Hillary Clinton’s proposal to put an exit tax on companies trying to leave the US.
• Government asking Facebook and other companies for help in fighting ISIS.
• Tony Mendes explains to Rob how to get a better rate on your home loan and why it gets tougher once you hit 30.
• I explain the differences between gap insurance, life insurance, disability insurance, key man insurance and umbrella insurance.

 

 

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.

We here at New Focus on Wealth would like to apologize for the following inconvenience. Today's show will not be available due to technical difficulties out of our hands. We will be back on the air Thursday with another live edition of New Focus on Innovation with Kym McNicholas.

Thank you for your understanding.

I review current market news as well as the 14th straight quarterly fall in IBM's revenue, whether or not the decline in commodities is a buying opportunity and struggles for franchises like McDonalds. I question the pressing issue of US and Russian involvement in Syria. I also discuss:

• The governments decision to not increase social security payments.
• Dividend achiever stocks and ETFs as a step to financial freedom.
• Pros and cons of the typical "Plan B's" in retirement such as working longer or paying off the mortgage early.

 

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

 

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

 

Encore edition

Today I discuss several market stories including S&P’s best week after an overall flat year and the imminent rate hike from Feds. Pfizer merges with Allergan, moving their headquarters to Ireland as a tax-saving strategy. I explain how to give back using appreciated assets and donor-advised funds. James from Piedmont calls in with some comments on the shareholders involved in the Pfizer and Allergan deal. Maximizing social security benefits by phasing into retirement. Reasons to invest in a living trust. I also go over some “Plan B” retirement options and give some advice to Cindy who is considering a 15 year mortgage at age 50.

 

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 review current market news as well as the 14th straight quarterly fall in IBM's revenue, whether or not the decline in commodities is a buying opportunity and struggles for franchises like McDonalds. I question the pressing issue of US and Russian involvement in Syria. I also discuss:

• The governments decision to not increase social security payments.
• Dividend achiever stocks and ETFs as a step to financial freedom.
• Pros and cons of the typical "Plan B's" in retirement such as working longer or paying off the mortgage early.

 

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-Presentation!

Today I talk about several market reactions to the Paris attacks such as oil stocks and the overall lackluster 2015 returns for most companies. Other topics discussed include:

• Urban Outfitters buying a pizza chain .
• Jeremy Siegel’s recent market commentary and comments on a potential rate hike from the feds.
• Is there any reason for this new myRA account?
• Planning your finances when a significant inheritance is in play. Do you have enough to retire early? Should you lay out a plan to prevent your inheritance from ruining your life?
• I teach you how to do some year-end tax 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 discuss several market stories including the drop in Apple stock, McDonalds decision to increase its dividend, BlackRock cutting fees on several ETFs and how a stagnant population is harming GDP growth. I explain major changes for married couples claiming social security. I also respond to questions from:

• Mark who asks how to use the Callan periodic table of investments to make investment decisions.
• Sandra wants to know if she should invest in a 403b plan.
• Cynthia wants to know what type of term life insurance is appropriate for her.
• Paul asks for advice on putting together a trust and mutual funds.
• Another caller asks about individual stocks and funds.
• Trina wonders if I think social security will be viable 50 years from now.

 

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 go through the market news talking about Activision buying the company that makes Candy Crush, Tesla’s plans for a more affordable model and Bill Gross’s push for the feds to begin “operation switch” to revive economy. Other topics discussed are:

• Pros and cons of immediate annuities and qualified longevity annuities.
• When and when not to make insurance claims.
• How insurance companies use CLUE Reports.
• Why the 4% rule could be in danger and why you need 3 years of portfolio draws as safe money.

I also respond to listener questions regarding how to allocate $300,000 of safe money, how and when to shop for long term care insurance and handling rental property when approaching retirement.

 

There's still time to register for our seminar this Thursday, November the 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's show covers the drastic changes to social security claiming strategies under the new 2 year budget agreement.

Michelle Lerman and I discuss retitling your home under a living trust to avoid probate costs and property tax changes after a death.

Michelle explains proper beneficiary designations and trusts for retirement accounts.

I take a closer look at the S&P 500 earning report despite the decline in the Oil sector.

Brian asks about using a life insurance policy vs. 529 plans to save for a child's college education.

I also discuss an article which states recent college graduates may not retire until age 75 and how students can reduce their chances of this.

 

Don't forget to register for our upcoming seminar this 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.

How to pass down money to young people without allowing them to make irresponsible decisions.

I express my frustration with with Social Security hold-harmless rule which may cause Medicare Part B premium costs to increase for those signing up for the first time in 2016 or those delaying or suspending social security.

Keeping in the holiday spirit I go through my 666 list:

• 6 Unexpected Retirement Expenses
• 6 Scary Retirement Statistics
• 6 Common Financial Planning Projection Mistakes

 

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 discuss the earning results for Chipotle, United Technology, Yahoo! and others.

Are you retiring based on growth assumptions that are too high?

I also answer several listeners' questions:

• James calls in to discuss how outstanding student debts will shape our economic future.
• Jamie asks if it is wise to gift 14k/year to children for tax purposes.
• Dean wants to know if I prefer monthly or percentage based rebalancing for portfolios.
• What are the pros and cons of converting a 401k to a Roth IRA?
• Joel asks if he should wait until next April to request his first IRA distribution and should he take RMD due from an old 401k for his bank account IRA.

 

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.

I review current market news as well as the 14th straight quarterly fall in IBM's revenue, whether or not the decline in commodities is a buying opportunity and struggles for franchises like McDonalds. I question the pressing issue of US and Russian involvement in Syria. I also discuss:

• The governments decision to not increase social security payments.
• Dividend achiever stocks and ETFs as a step to financial freedom.
• Pros and cons of the typical "Plan B's" in retirement such as working longer or paying off the mortgage early.

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.

As earning season officially kicks off I discuss the recent market rally and the bottoming process for oil, materials, MLPs and the Chinese stock market.

I question how the government measures the growth of our economy (GDP).

I also catch up on some listeners emails about:

• Protecting the assets you leave your children with a distribution plan.
• Traditional 401k vs. Roth 401k
• A listener's son falls victim to a life insurance agent misrepresenting tax code 7702 as an investment.

 

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

 

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

How to pass down money to young people without allowing them to make irresponsible decisions.

I take a listener's call who has a question about estate planning with a second marriage.

A young man sends me an email question about term life insurance in his 30's.

Things you'll want to know before you hire a financial planner.

Why you should call your tax advisor even if April 15 is a ways away.

 

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

Scott Smith, CMT, of Briefing.com joins us to discuss technical indicators to watch in 2015. I answer a listener's email question about the pros and cons of Lending Club and I also cover different types of crowd funding.

 

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 answer listener's e-mail's. Topics include:

• Why vacation homes and time shares tend to destroy peoples retirement plan and the few instances when they are a good idea.
• Financial planning for your child's college education.
• Why an Indexed Universal Life Insurance policy (ILU)  may not be a good strategy for saving for college.
• Why trying to time the market is a terrible idea.
• Why you need a detailed retirement plan to help adjust for corrections in the market and why your risk tolerance decreases as your portfolio increases.
• Rebalancing your asset allocation when working vs. in retirement.

I also answer a callers question about funding a Roth IRA account in addition to a 401(k) and capital gains on stocks.

 

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 discuss a strangely up US market and other economic news.

Problems with the US corporate tax structure that infuriate and slowly eliminate the middle class.

I respond to an alarming email about social security benefits going to multiple ex-spouses.

Reviewing options for your safe money such as online FDIC savings accounts or a structured CD.

I address the growing problem of child identity theft and signs to look for.

Rob Black and I discuss potential reactions to the possible rise in interest rates.

 

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.

Commercial-Free

I argue for and against a potential Federal rate increase and what type of stocks may look more attractive after the decision.

Can china keep the stock market sell off from affecting consumers and economic growth?

I answer questions about being agressive in the market, why I dislike privately traded reits, paying off your mortgage after retirement and buying long term care insurance.

Top 10 myths about the social security system.

 

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.

Commercial-Free

I talk about China's decision to devalue their currency by 2% and the potential global effects.

I make some comments on the ridiculousness of Alan Greenspan's bond market bubble warning.

I talk about medical care concerns for Americans who plan on retiring abroad.

A listener asks if having a pension and social security means he doesn't need bonds.

I discuss a Wall Street Journal article where a teachers retirement is being hurt by his life insurance policy and how to determine if your policy is a retirement wrecker.

 

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 discuss a few stock market stories such as Google's new company Alphabet and the continuing trend of increased earnings with low revenue growth.

I give examples as to why people who get sucked into trading software programs and real estate classes often end up in bankruptcy. I explain why you should know what is really inside certain REIT investments such as REM.

A listener asks how much she should be investing in a no-load variable annuity with living benefits.

I talk abouta Sarah Von Bargen blog (SarahVonBargen.com) that discusses how the current wants of people often alter their retirement plans; many having to choose between working longer, saving more or "wanting less" in retirement.

I also talk about a Wall Street Journal that tries to scare people into major investing decisions by predicting upcoming crises.

 

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 break down the recent correction in the market focusing on revenue growth and decline in various stocks.

Determining the risk number that is right for you.

I give examples on the differences between all stock and balanced portfolios.

A counter argument to an article which declares 401(k)s to be a failure, blaming it on under-education.

I respond to an e-mail where the listener has sold his apartment building and would like alternatives to a 1031 exchange to mitigate taxes.

Another listener intends on buying a house with plans to rent it, but does not have faith in the economy. I explain why it's a terrible idea to invest heavily in only one part of the market.

How do inflation adjustments work after 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.

I ask Michelle Lerman (LermanLaw.com) about how to get the most flexibility out of your estate plan and multiple issues regarding trusts.

I discuss a few instances of wealthy people and long term care insurance.

What is a flexible spending account and how does it affect those with the affordable health care act?

I give some advice to a listener who has saved well, but has had his retirement plans affected thanks to a change in taxes in 2012.

I discuss how sneaker taxes are creating a bigger problem as opposed to fixing them.

What to expect at the upcoming seminar.

 

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

 

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 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 discuss the Chinese stock market decline and adjustments to make for seasonal corrections.

I also talk about the repercussions some people face when purchasing a home such as forgoing their 401(k) or not planning with major expenses in mind.

I explain why low-cost ETF's now hold more assets than hedge funds and where hedge funds have failed.

Where do ETF's and mutual funds work best and which ones should you avoid?

I discuss the difference between life insurance, disability insurance and umbrella policies.

What to expect at this week's seminar.

 

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

 

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 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 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 at the Toll House Hotel in Los Gatos on Thursday, July 30th. 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 presentation

Today, I answer listener's e-mail's. Topics include:

• Why vacation homes and time shares tend to destroy peoples retirement plan and the few instances when they are a good idea.
• Financial planning for your child's college education.
• Why an Indexed Universal Life Insurance policy (ILU)  may not be a good strategy for saving for college.
• Why trying to time the market is a terrible idea.
• Why you need a detailed retirement plan to help adjust for corrections in the market and why your risk tolerance decreases as your portfolio increases.
• Rebalancing your asset allocation when working vs. in retirement.

I also answer a callers question about funding a Roth IRA account in addition to a 401(k) and capital gains on stocks.

 

Don't forget to register for our upcoming seminar at the Toll House Hotel in Los Gatos on Thursday, July 30th. 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 discuss lackluster revenue growth across the market with a spotlight on Wells Fargo.

I talk about the nuclear deal with Iran and discuss the Bloomberg article about key elements of the accord.

I discuss a Wall Street Journal article about the four common stock option mistakes people make.

How to handle identity theft.

I discuss the new IRS portability laws which gives a tax break to married couples who choose not to set up expensive trusts.

Why spending more time investing in the stock market matters more than picking the right stocks.

 

Don't forget to register for our seminar at the Toll House Hotel in Los Gatos on July 30th. 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 discuss Greece receiving its third bailout, the proposed terms they need to approve and the Chinese governments' intervention in the stock market.

How the IRS and Treasury Department plan to amend pension regulations to stop the dangerous lump sum offers being made by many greedy pension plans.

I discuss Hillary Clintons' economic policy proposal which calls for changes to social security higher capital gains taxes. Should you even count on social security?

I discuss a Bankers Life Center for a Secure Retirement article about working in retirement and some ugly surprises baby boomers face competing with the upcoming millennial generation.

How same-sex marriage will have an impact on factors such as social security survivor, widow and divorce benefits.

I answer a listeners' question about paying off her 401(k) loan in one lump sum vs. a payment schedule.

 

Don't forget to register for our seminar at the Toll House Hotel in Los Gatos on Thursday, July 30th. 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 discuss using geometric averages to project long term indexes and realistic returns.

I answer a listeners' e-mail about reaching $1 million in his 401(k) and project if it's actually enough to retire with.

What are the best states to retire in?

A caller asks for clarification on death taxes in states like Oregon. I then give him some unfortunate news on his 401(k) and stress the importance of being financially educated before getting help.

I discuss a recent study about the changing make-up of American families and how issues such as multi-generational homes affect financial plans.

 

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

 

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

 

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

I discuss Greece's recent "No" vote concerning the proposed bailout terms and potential global issues if they leave the Euro.

I explain how Greece and the Chinese economy has caused a major decline in basic material stocks.

I discuss the minute exposure to Greek equities in US mutual funds and Greece's downgrade to an emerging economy from a developed market.

I talk about an article by Christine Benz (MorningStar.com) about retirement-portfolio and forecasting mistakes.

A rise in Starbucks coffee prices spurs me to discuss necessary cutbacks you can make to save money.

I answer an e-mail from a listener trying to balance paying off large dental school loans while saving for a home and planning for retirement.

 

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

 

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

 

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

Rob Black discusses how the mortgage bubble has spurred a trend in renting over home ownership among millennials and possible future consequences.

Budgeting and investing in your 30's vs. 20's.

Chris Ciaccia (Tech Editor for TheStreet.com) and Rob discuss the services and reception of Apple Music and the lack of excitement over the Apple Watch.

Goals for investing in retirement and simple savings decisions everyone should make.

 

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

Rob Black and I discuss home ownership among baby boomers and how it affects those who have under-saved for retirement.

Rob talks about Netflix's attempt to take over major television networks, Disney's increased cash dividend, HBO and Facebook teaming up to stream television shows, how Uber is causing protests in France and televisions being replaced by other devices.

Chris Ciaccia (Tech Editor for TheStreet.com) informs us that Box.com has partnered with IBM and why he doesn't think Box has a future. He also tells us why he's excited about the Amazon Echo, and its promising signs of being a game changer in artificial intelligence.

Rob also chimes in on health care stocks and Apple music vs. Spotify vs. Pandora.

 

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

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

 

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

Netflix announces a 7-for-1 stock split.

Jack Mohr (Director of Research for Jim Cramer's Charitable Trust) chimes in about Greece, Fitbit's IPO and oil stocks.

I discuss real estate cap rates, issues that are causing people to fail retirement and I shed a spotlight on elder fraud in our society.

More on why universal life insurance policies are not a great idea for most people.

 

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

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

 

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

What to look out for when choosing a financial planner.

More news on Greece's proposal for another bailout and what to expect with their EU exit.

I take a listener's e-mail about indexed universal life insurance plans and if they're good for you.

A listener calls in and offers a counter point on indexed universal life insurance policies.

ESPP vs. RSU stocks

I look at how factors such as divorce, second homes and overspending early in life affect people who usually fail when it comes to retiring.

 

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

 

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

 

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

Rob and I discuss retirement portfolio construction and deconstruction which is just as important.

Rob brings us up to date of various aspects of the news including the Los Angeles upcoming $15 minimum wage increase, Costco becoming a threat in car dealership, and why he likes Netflix being available in hotel rooms.

A caller asks a question about tax rates on long term capital gains and Rob offers a flip argument.

Chris Ciaccia of TheStreet.com gives us his thoughts about the newest Apple announcements as they prepare to take on companies like Google and Facebook which are more likely to share your data for advertising.

Rob also discusses why he likes credit cards as long term investments since non-cash transactions are on the rise globally.

 

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

 

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

Today, Rob Black and Tony Mendes discuss buying homes that aren't the most expensive you can afford.

• Rob Black and Tony Mendes discuss buying homes under your loan cap when the market has multiple buyers and few homes.
• Then, they talk about the best and worst states to retire in and why they rank that way.
• Rob, Tony and I debate different forms of financial media and why we trust them.
• Buzz words companies will use to take advantage of people using high priced annuities.
• General rules of thumb to follow when buying and selling stocks.

 

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 continue the previous discussion about sequence of returns vs. sequence of consumption. I also talk about:

• How international small cap stocks are becoming their own index class and adjusting your asset allocations accordingly.
• I answer listener e-mails about life insurance concerning children, some thoughts on Harry Dent Jr.'s book that predicts China's real estate implosion and  its worldwide effect.
• What you can expect to hear at tonights seminar in Burlingame with myself and Rob Black!

Reserve your spot for tonights seminar at Double Tree in Burlingame at 6:30pm. Click HERE to register!

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

 

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

• Today, what can go wrong when you fail to update your estate plan every few years? I also discuss:
• Is it wise to leave several 401K accounts separate? Or should you roll them over into one?
• Dr. Jeffrey Rosen of Briefing.com joins me to talk about the upcoming jobs report and inflation rates.
• I also talk about what to expect at tomorrow's seminar.

Don't forget to reserve a spot at our seminar tomorrow at Double Tree in Burlingame at 6:30pm. Click HERE to register!

 

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

 

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

Commercial-Free

On today’s show I discuss popular investment topics such as investments in water, Inflation protected bonds and hedging the dollar out if international investments.

Do you know how will you react in the next market correction or jump in interest rates? Realizing how your emotions are tied to your investments will help you avoid mistakes.

 

I also touch on the 4% rule-of-thumb, which can set some people up for disaster in retirement.

To sign up for our upcoming seminar, click here.

 

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

 

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

Commercial-Free

Encore presentation

• Why you should own diverse stocks.
• Balancing life and retirement planning.
• Investing abroad.
• How trying to predict future trends could result in accelerated returns.

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

 

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

 

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

• More online retailers are modifying their sites to accept mobile purchases.
• How electronic payment methods, such as Square, are the death knell of the cash register and better for retailers.
• Chris Ciaccia of TheStreet.com talks about his drive in the new Tesla Model S and the possibility of Apple and Google cars.
• Rob also looks at the realities of saving for retirement and major life expenses.

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

 

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

 

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

On today’s show I discuss popular investment topics such as investments in water, Inflation protected bonds and hedging the dollar out if international investments.

Do you know how will you react in the next market correction or jump in interest rates? Realizing how your emotions are tied to your investments will help you avoid mistakes.

 

I also touch on the 4% rule-of-thumb, which can set some people up for disaster in retirement.

To sign up for our upcoming seminar, click here.

 

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

 

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

Commercial-Free

Today I discuss earnings reports from some of the largest companies. How a little bit of risk when you’re about to retire can be disastrous - but ok in your 20’s and 30’s. How each type of asset (IRA accounts, real estate, stocks) pass differently and must be taken care of properly in your estate plan. Are you being realistic about taxes in retirement? I run some numbers for a caller who is eyeballing retirement. A frightening projection about how much healthcare will cost you, compared to the money you’ll take in from Social Security. How a collaborative divorce can save you and your spouse from destroying each other’s finances.

To sign up for Saturday's seminars in San Jose, 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 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

Today, I speak with family Law attorney, Michelle Lerman who calls in to discuss Glen Campbell’s estate battle. She also discusses estate planning when Alzheimer’s is involved.

See her tomorrow in Marin and at the seminar on Thursday in Walnut Creek.

I take a listener call about estate planning and filing a final tax return.

What investment products young investors should use to start their portfolio and which ones they should avoid.

How to properly gauge your risk tolerance.

 

Don't forget to sign up for the seminar in Walnut Creek Marriot 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

On today’s show I deliver an update on valuation and S&P earning reports for Q4 2014.   I also discuss how to avoid having to amend your taxes, as well as the absurdity of our tax code and various ridiculous loopholes.

You’ll also learn how the combination of living longer and low interest rates are a threat to your retirement and why volatility may increase.

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’s show will help you avoid common financial mistakes in your early years and in retirement.  I cover topics such as paying off your mortgage in your 30’s vs 60’s and basic portfolio clean up ideas for 2015.   I also hit on bonds vs. bond funds and being TOO diversified.

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 in 2015. 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.

 

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 to special guest, comedian Will Durst! Will puts a comical spin on news items such as Cuba, Vladimir Putin, mortgages, Robin Williams, and the funniest stories of 2014. Enjoy Rob’s annual riff with comedian and satirist, Will Durst!

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 Black talks to special guest, comedian Will Durst! Will puts a comical spin on news items such as Cuba, Vladimir Putin, mortgages, Robin Williams, and the funniest stories of 2014. Enjoy Rob’s annual riff with comedian and satirist, Will Durst!

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.

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 charitable giving as we enter the holiday season. We cover the difference between tax credit and a tax deduction as well as the amazing benefits of donating stock. Other topics include:

• The Border Patrol plans to use drones to surveil the border.
• Getting free video and music providers to adopt subscription programs
• Warren Buffet buys Duracell from P&G
• Wearable technology threatens watch maker Fossil.
• Laura Lyons Cole of Thestreet.com weighs in on, “Obamacare: part two”
• 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)

  

Commercial-Free

Rob Black discusses the results of the Midterm elections and how the results will affect the market and your portfolio. Other topics include: Republicans and the economy, Marijuana gets more support, America’s opinion of President Obama, Hillary Clinton’s presidential route and much more!

To sign up for our upcoming seminar, click HERE.

 

Rob Black fills you in on the latest Wall Street headlines as well as earning reports on the biggest multi-national companies. Other stories covered are:

 

• A look at Yelp's stock and how it impacts dining decisions of the young and old.
• Chris Ciaccia of thestreet.com discusses Apple's success with the iPhone 6 and how they can monetize Apple Pay.
• European credit card technology is coming to The U.S. in 2015
• Rob and I answer an E-mail from a listener who wants to retire at 50
• And much, much more!

For information about our "Brews at the Bay Club," in Redwood Shores on Saturday - 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

Tony Mendes and Rob Black answer listener questions and address today’s latest business headlines. With topics and discussions such as:

• Tesla unveils their new and potentially revolutionary "D series" vehicle.
• Those cost of living - and parking- in San Francisco
• Tony Mendes helps you understand how HELOC loans work and how the current rates can make investing in real estate safer.
• 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

Tony Mendes & visiting Irishman, Conner Kennedy sit in with Rob and take a more relaxed attitude in today’s show. The topics convered in today's show include:

• Job report numbers
• Soccer
• Tesla's new "Model D"
• Ireland
• Market conditions
• Real estate
• 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, Chad Burton, CFP® talks to Jack Moore and discusses how real estate can help and hurt you in retirement. He also covers topics such as:

• Chad talks to Jack Moore of thestreet.com about Apple’s iwatch, and the companies that produce its components.
• UPS stock, is it a good time to buy?
• 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 strategies and tips for maximizing your portfolio's potential. With a focus on topics such as:

• The Growing use of ETFs and Smart Beta ETFs
• Are too many people using stocks as a bond alternative?
• How to prepare for the next stock market corrections and what they typically mean for your portfolio.
• 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 some of the less-considered aspects of retirement planning and portfolio management, with topics such as: A caller with a specific 401k matching scenario Long and short term stock - where it can get tricky What are "dividend achiever stocks"? Chad shows you what they are and how they work. "The rule of 72" Chad answers listener E-mails 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.

-Encore presentation-

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®, revisits some earlier market news from this month and discusses 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.

 

ENCORE PRESENTATION

Commercial-Free

Rob Black talks to certified CFP® Chad Burton, Tony Mendes and Dr. Jeff Rosen from Breifing.com to bring you everything you need to know about your portfolio. Topics from today's show include:

• Rob and Chad discuss bad life insurance policies. What type of police do you need at what age?
• Amazon's desire (and plan) to keep all of your digital content on their cloud servers.
• Tony Mendes on what portfolio lending is and how it works.
• Jeff Rosen and Rob Black analyze today's dismal GDP numbers and the health of the economy
• Why you need to take advantage of credit card perks.

 

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 sits in for Chad Burton, CFP® and gives you and in-depth and honest take on today's stock market. He covers topics such as:

• Apple's stock split kicks in
• Uber hits a staggering $17 billion in valuation
• The average age of U.S. vehicles is at a record high, and what it means
• Merck aims to buy Hepatitis drug makes Idenix.
• Nike and Adidas  become concerned at FIFA's corruption claims.
• The U.S. economy hits a new peak - in most areas.

 

Email your money question to chad@newfocusfinancial.com

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

Commercial-Free

Chad Burton’s, CFP®, guest today was Brett Manning – Senior Market Analyst for briefing.com.  Topics they discussed were gold, Russia and broader market technicals.  Other topics of the day included:

  *  What to do if you are behind on retirement planning
  * Proper tax and growth projections in retirement
  * Email question on Roth vs. 401k
  * Email question on 401k stable value fund
  * Email question on high fee 403b's

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

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

 

Commercial-Free

Chad Burton, CFP®, discusses several questions facing those planning for retirement.  Topics discussed include:

*  ETF news including frontier markets
*  Emerging Markets and foreign bond funds
*  Phone calls on Ira to Roth conversions
*  Where to invest emergency funds
*  Why annuities are bad for young investors
*  Value versus momentum investing

*  Aging population may help keep rates low

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 current market news, as well as:

 

  *  Alibaba IPO & ETF's that may own it

  *  Threat to the middle class retirement
  *  Auto enrollment to 401k plans

  *  Three major retirement questions
  *  Pension maximizations
  *  Protecting your spouse
  *  Do’s and don'ts for IRA rollovers

  

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.

 

In this podcast, Chad Burton, CFP®, welcomes guest James Moffett, CFA, Chief International Equities Strategist for Scout Investments. James discusses some of the biggest recent shifts in international investing and shares his thoughts on investing in Japan, China, Mexico, Brazil and other countries. He also offers his perspective on the European debt crisis and the premium valuation of U.S. markets.

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

Learn about common estate planning mistakes and how to pick an attorney as well as your trustee with Chad Burton, CFP®, and attorney Michelle Lerman of Lerman Law Partners, LLP. Chad also discusses what retired people should look for on their tax return now that tax season is over as well as key steps to take when reviewing your retirement portfolio.

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

In this episode, Chad Burton, CFP®, discusses many Americans' failure to save enough for retirement, poor spending habits that will have you working until the day you die, how Congress is trying to stop people from robbing their retirement accounts, and what you can do to have a meaningful retirement. Chad also answers questions about structured note CDs, 401(k) allocation and managed futures.

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

In this episode, Chad Burton, CFP^®, discusses current news, how sequestration may affect retirees, the 4% withdrawal rule on retirement funds and how UTMA accounts work when investing for children.

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

What’s the difference between a will and a trust? In this podcast, Chad Burton, CFP®, explains how a trust can help you avoid probate. He also discusses spousal benefits versus beneficiary rights and benefits and offers advice on how often trusts should be updated. 

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1-888-762-2423

When should you consider a home equity loan or line of credit? In this podcast, Chad Burton, CFP®, discusses the appropriate use of home equity loans and offers his thoughts on when you should consider using these strategies. He also reviews home equity loan scams you should watch out for. 

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

Developing—and sticking to—a budget is one of the most important steps you can take when planning for retirement. In this podcast, Chad Burton, CFP®, discusses the essentials of budgeting, including looking at both your short-term and long-term financial projections, as well as expenses and cash flow. He’ll also discuss some simple online tools you can use to track your spending. 

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

In this episode Certified Financial Planner™, Chad Burton, discusses the alarming level of US government debt, the new California Prop 30 tax, investing with financial aid in mind, funds vs. ETF’s in a 401k, asset allocation for a balanced growth portfolio and rules for picking mutual funds. www.NewFocusFinancial.com

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In this episode Certified Financial Planner™, Chad Burton, discusses current business news, the fiscal cliff, oil, pension buy-out offers, annuities, dividend paying ETF’s and retirement asset allocation, useful financial websites, and a year-end checklist.

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1-888-762-2423

In this episode Certified Financial Planner™, Chad Burton, discusses current market and economic issues, tax law changes, foreign investments, long term care insurance, bad annuity rescue options, 1035 exchanges to Long Term Care products for retirement, the Affordable Care Act, and the drawbacks of buying a timeshare.

www.NewFocusFinancial.com

1-888-762-2423

 

Certified Financial Plannertm, Chad Burton discusses:

Estate planning issues before year end.  Huge opportunities expire at the end of the year!  Also: Self employment, defined benefit plan, individual 401(k), Asset allocation at 45. Dyanasty trusts and leaving money to your children.

www.NewFocusFinancial.com

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.