A lot of people buy variable annuities thinking that they're a good way to accumulate assets. But as Chad Burton, CFP®, and Rob Black explain in this podcast, most annuities suffer from underperformance and high fees. Fortunately, there are options for getting out of a bad annuity, so you can put your money somewhere where it's actually working for you, not an insurance company.

Commercial-Free

Chad Burton, CFP®, discusses ways to create income that is guaranteed for life by an insurance company. Chad also discusses:

• Q3 earnings
• Apple’s new iPads
• The current fixed income/bond environment
• When to use 529 plans and which plans to consider
• Back door Roth IRA’s and minimum required distributions on 401ks
• Portfolio insurance
• Indexed annuities
• Bond alternatives for those that need immediate income or are looking for principal guarantees

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

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

Commercial-Free

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

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

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

Commercial-Free

Guest host, Rob Black, of Rob Black & Your Money fills in for Chad Burton and discusses how the Federal Reserve's no taper decision is good for both real estate and the markets. Rob also breaks down the market numbers and big stories of the day.

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

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

Commercial-Free

Guest host, Rob Black, of Rob Black & Your Money fills in for Chad Burton and discusses how the markets rallied even with Washington's problems. Rob also discusses the market highs and Google's earnings.

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

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

Commercial-Free

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

Commercial-Free

Chad Burton, CFP®, welcomes Ross Kenneth Urken, Personal Finance Editor, from TheStreet.com. Ross discusses holiday shopping, car buying tips, and where to stash extra cash.

Chad also discusses the biggest tax mistakes made by investors including real estate taxation and Master Limited Partnerships (MLP'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 President Obama's budget proposals and how it will affect retirement planning. Chad also discusses:

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

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

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

Commercial-Free

Chad Burton, CFP®, welcomes Brett Manning, Senior Market Analyst with Briefing.com. Chad and Brett go in depth about:

• Sentiment indicators during last week's headline-driven selloff
• The nature of market corrections
• The gold and silver downtrends
• Copper as an indicator

Chad and Brett also discuss Q3 earnings expectations, what to look for in dividend-paying stocks, the government shutdown and the Affordable Care Act.

Email your money question to www.NewFocusFinancial.com.

Commercial-Free

Chad Burton, CFP®, discusses Roth conversions and the two different five-year Roth IRA rules. Chad also discusses beneficiary mistakes on IRAs and estate planning for a second marriage and answers your money related questions regarding:

• Rate funds
• Investing during dangerous times
• Investing during times of political conflict
• FSA accounts

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®, breaks down the current market news and the debt ceiling debate. Chad also discusses:

• The debt ceiling debate
• Current monetary and fiscal stimulus
• When to roll your 401k to an IRA
• 401(k) rollovers and net unrealized appreciation
• When not to Roll your 401(k) to an IRA
• Estate planning mistakes with IRAs and 401(k)s
• The importance of considering a Roth conversion

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

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

Commercial-Free

Guest host, Rob Black, of Rob Black & Your Money fills in for Chad Burton and discusses the latest Federal Reserve news, including the new Fed chair, Janet Yellen. Rob also discusses how the future of the economy isn't as bright as the past, and tips for young professionals.

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

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

Commercial-Free

Guest host, Rob Black, of Rob Black & Your Money fills in for Chad Burton and discusses using mortgages as financial tools. Rob also discusses Twitter’s IPO, working until 80 years old, and the market rally.

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

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

Commercial-Free

Guest host, Rob Black, of Rob Black & Your Money fills in for Chad Burton and breaks down the big stories of the day including SPDRs, Exchange Traded Funds, the Tesla fire, government shutdown, and debt ceiling.

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

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

Commercial-Free

Guest host, Rob Black, of Rob Black & Your Money fills in for Chad Burton and shares what type of investments individual investors and financial advisors should avoid. Rob also breaks down the market numbers and big stories of the day.

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

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

Commercial-Free

Chad Burton, CFP®, discusses how the government shut down has affected the market. Chad also discusses:

• How DOMA has affected retirement plans for same sex married couples
• 529 plans and saving for college
• Required Minimum Distributions if you are still working past age 70
• Risk planning and reviewing insurance for high net worth families

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

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

Commercial-Free

Guest host, Rob Black, of Rob Black & Your Money fills in for Chad Burton and shares strategies for creating wealth by having a certain mindset. Rob also breaks down the market numbers and big stories of the day.

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

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

Commercial-Free

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

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

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

Commercial-Free

Seventy percent of Americans don't have a budget. That's a truly alarming statistic. In this podcast, Chad Burton, CFP®, and Rob Black discuss how challenging it can be to stop splurging on items like new cars, the latest technology and memorable vacations and why people need to control their spending so they can fund their retirement.

Commercial-Free

Guest host, Rob Black, of Rob Black & Your Money fills in for Chad Burton and discusses the 4 important things investors need to keep in mind while constructing a portfolio. Rob also discusses momentum stocks like Amazon, Netflix and Tesla.

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

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

Commercial-Free

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

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

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

Commercial-Free

Chad Burton, CFP®, discusses the worst scams and financial advisors of 2013. Chad also discusses estate planning and how to keep a vacation home in your family for many years to come.

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