Chad Burton, CFP®, discusses the pros and cons of indexed annuities. Chad also discusses:

• Pros and cons of indexed annuities
• How the market will react to rising interest rates
• How Asia may react to fed tapering
• The most popular research paper among advisors in 2013-The 4% Withdrawal Rate

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.

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

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

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

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

Commercial-Free

Just a few years after the last big housing crash, people are again clamoring to invest in real estate. But while real estate may have a place in your portfolio, you should be careful not to get in over your head. In this podcast, Chad Burton, CFP®, and Rob Black review mistakes to avoid when investing in real estate and steps you can take to prepare for the next downturn.

Commercial-Free

Guest host, Rob Black, of Rob Black & Your Money fills in for Chad Burton and discusses interest rates when buying a home. 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 tax tips for your investment portfolio. Chad also discusses:

• How the new 3.8% Affordable Care and Medicare tax works
• What to do when you get hit with higher capital gains
• Charitable remainder trusts
• Life insurance as a way not to build wealth
• Tapering and the effects on different types of bonds

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

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

Commercial-Free

Chad Burton, CFP®, goes in depth about funds vs. ETF's. Chad also discusses:

• Current financial news, CPI report and TIPS.
• Hospital stocks and ETF's that have benefited from ObamaCare
• What happens when you retire with bad estimates on your expenses

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 what to look for in the upcoming year if you invest or are currently invested in real estate. 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®, welcomes Nicole Urken, Research Director, from Mad Money and TheStreet.com. Nicole discusses the current market news and where it is heading.

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

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

Commercial-Free

Chad Burton, CFP®, welcomes Brett Manning, Senior Market Analyst, from Briefing.com. Brett and Chad discuss:

• Technical indicators
• The ridiculous amounts of new ETF's...there are now too many!
• An article regarding caring for parents and coordinating care.

Chad also gives a listener feedback on his ETF choices and learning how to invest on his own.

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

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

Commercial-Free

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

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

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

Commercial-Free

Chad Burton, CFP®, goes in depth about the indicators of inflation and how it can be relatively good.

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 tax issues involved when gifting appreciated stock and ESPP's to charity. Chad also discusses health savings accounts, bond funds and rising rates.

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 you should change your investment strategy and perspective as the world changes. 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

The end of the year is the perfect time to review your insurance needs. In this podcast, Chad Burton, CFP®, and Rob Black share insurance tips and review the rare cases when permanent life insurance is a better choice than a term policy. When it comes to life insurance, it's often best to follow a simple rule: "Buy term and invest the rest."

Commercial-Free

Guest host, Rob Black, of Rob Black & Your Money fills in for Chad Burton and discusses the risks of chasing performance as stocks rise. 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 many retirees are more concerned than ever with healthcare costs and are reducing 401k contributions to keep their cash. Chad also discusses:

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

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

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

Commercial-Free

Chad Burton, CFP®, discusses the Affordable Care Act and the 5 million low-income people that can't get help. Chad also discusses:

• Long-term care and premium rate hikes
• Inflation and Social Security
• 3.8% Medicare Surtax problems

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

Setting priorities is the most basic, yet essential, financial planning step you can take. In this podcast, Chad Burton, CFP®, and Rob Black discuss how to identify your priorities and adjust your goals as your life changes. They also share their own personal "bucket list" items.

Commercial-Free

Guest host, Rob Black, of Rob Black & Your Money fills in for Chad Burton and welcomes Tony Mendes from BayAreaLoanSource.com. Rob and Tony discuss Bay Area housing affordability and the baby boomer retirement guide.

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 taxes go up, charitable giving tends to go down, but high-income taxpayers have an option that can help them give more to charity and decrease their taxes. In this podcast, Chad Burton, CFP®, and Rob Black explain how establishing a charitable remainder trust can reduce your taxes, provide you with income for life and allow you to leave money to a charity after you die.

Commercial-Free

Chad Burton, CFP®, welcomes Nicole Urken, Research Director at Mad Money and Author at TheStreet. Chad and Nicole discuss investments that can do well during rising interest rates, market tops, the resilient consumer, food stocks and global cyclical stocks.

Chad also discusses:

• REITs
• Consumer Staples and MLPs in rising rate environment
• Gold
• Pension lump sum or monthly payouts

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

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

Commercial-Free

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

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

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

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

Commercial-Free

Chad Burton, CFP®, welcomes Brett Manning, Senior Market Analyst, from Briefing.com. Brett and Chad discuss:

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

Chad also answers your email questions regarding Roth IRA conversions.

Email your money question to www.NewFocusFinancial.com.

Commercial-Free

Chad Burton, CFP®, welcomes Scott Smith, CMT and Senior Technical Analyst, of Briefing.com. Scott discusses what signals to look for that will affect the market.

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 Ross Kenneth Urken, Finance Editor, of TheStreet. Ross discusses where people waste money on technology. Chad also takes your phone calls and answers your money related questions regarding:

• Converting a 401k to a Roth IRA
• Anti-virus software
• How to help a mother who has no retirement savings

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 why it's crucial to have a written retirement plan. Rob also discusses the big stories of the day.

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

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

Commercial-Free

Chad Burton, CFP®, welcomes Nicole Urken, Research Director, from Mad Money and TheStreet. Nicole discusses horror story stocks that haven't performed well. Chad also shares bad financial planning stories.

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 attends the Income Property Expo in San Mateo and shares tips on how to accumulate wealth with real estate.

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 good and the bad of the Affordable Care Act. Chad also takes your phone calls and answers your money related questions regarding:

• Pensions: lump sum vs. lifetime payout
• Q3 earnings
• Business owners and those with income over $500,000 that are being targeted by the IRS
• Long-term care

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 estate planning even if you don't have heirs. Chad also discusses:

• Q3 earnings update
• Apple earnings
• India currency issues
• Fidelity's new low cost sector ETFs
• Tax efficient saving for beginners
• Paying off student loans
• Does owning rentals mean you don't need bonds?
• Does paying off a mortgage ever make sense?

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

Even if you think you're not wealthy, you may end up leaving a lot of money to your kids through employer life insurance policies and other assets. But if you don't plan ahead, your children may squander those funds. In this podcast, Chad Burton, CFP®, and Rob Black explain why you need an estate plan to protect your kids and help them learn to be independent.

Commercial-Free

Chad Burton, CFP® and Rob Black, of Rob Black & Your Money, discuss the basics of building and keeping wealth.

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 importance of having health care and term-life insurance. Rob also discusses the market numbers and big stories of the day.

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

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

Commercial-Free

Chad Burton, CFP®, discusses how managing your health is part of a good retirement plan. Chad also discusses the market numbers and big stories of the day.

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

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

Commercial-Free

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

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

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

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

Commercial-Free

College costs keep rising. What can you do to help your child get an education without breaking the bank? In this podcast, Chad Burton, CFP, and Rob Black discuss college planning strategies and why you should always save for yourself first. They also discuss the importance of maxing out your 401(k) and the dangers of using life insurance as an investment, as well as useful online college planning resources.

Commercial-Free

Chad Burton, CFP®, discusses paying off student loans vs. funding a 401(k). Chad also takes your phone calls, emails and answers your money related questions related to:

• How to monitor the life insurance policy you wish you hadn’t bought
• Financial books you should read
• Questions to ask a potential advisor
• Hedge funds and how long the Fed can keep printing money 

Chad also breaks down the current 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

Estate planning nightmares don't just happen to the very rich. In this podcast, Chad Burton, CFP®, and Rob Black talk about some of the mistakes people make with estate planning, from not updating beneficiary designations or failing to designate who should receive precious family heirlooms. Then, they offer tips on how to leave a positive, lasting legacy, no matter how wealthy you are.

Commercial-Free

Chad Burton, CFP®, discusses the importance of updating your estate plan as tax laws, financial situation, and other life events change. Chad also breaks down the current 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 what to think about when investing in your child's education.

Chad also discusses how to invest your money when your income increases.

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 estate planning issues including gift taxes and charitable remainder trusts and ILIT's.

Chad also discusses managing your home equity in retirement and gain exclusions. In addition, Chad takes your phone calls and answers questions related to 401ks vs. Roth IRAs and merging assets when getting married.

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 some of his favorite tips for saving money on purchases and activities. Rob also breaks down the current 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®, welcomes Michelle Lerman, Estate Planning Attorney, of Lerman Law Partners, LLP. Michelle discusses the top issues of estate planning so you can protect your assets.

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 Marketing Analyst, of Briefing.com. Chad and Brett discuss the recent market trends.

Chad also discusses Social Security tricks and the pillars of retirement income planning.

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

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

Commercial-Free

Guest host, Rob Black, of Rob Black & Your Money fills in for Chad Burton and discusses the weak August jobs report and the implications for tapering. Rob also discusses Apple’s recent big event and the importance of China for the company.

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

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

Commercial-Free

Guest host, Rob Black, of Rob Black & Your Money fills in for Chad Burton today and welcomes Tony Mendes, Branch Manager of BayAreaLoanSource.com. Rob and Tony break down the current job market. Rob and Tony also discuss where the economy is heading and the big stories of the day.

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

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

Commercial-Free

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

Chad also breaks down the market numbers and big stories of the day.

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

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

Commercial-Free

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

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

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

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

Commercial-Free

Chad Burton, CFP®, welcomes Scott Smith, CMT and Senior Technical Analyst, at Briefing.com. Scott discusses the technical issues that you need to think about in the market. Scott also breaks down the current market conditions and what to be aware of in the upcoming quarter.

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

Are you afraid of the markets? Recent events have scared many people off of investing, but the reality is that a smart, disciplined approach to creating a diversified portfolio is still the best way to build wealth. In this podcast, Chad Burton, CFP®, and Rob Black discuss the dangers of emotional investing and the hazards that come with trying to time the market.

Commercial-Free

Chad Burton, CFP®, goes in depth about what you need to include, and what you’ll expect, when calculating your retirement draw rate so that you'll avoid any unpleasant surprises when you retire.

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

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

Commercial-Free

People who are married—and even couples who are co-habiting—need to take action to protect their assets. In this podcast, Chad Burton, CFP®, and Rob Black discuss the co-mingling of assets and what steps people can take (including getting a pre-nup) to protect their wealth in case a relationship ends.

Commercial-Free

Chad Burton, CFP®, discusses updating your trust and being aware of the issues that your kids are dealing with so that their inheritance gets properly managed.

Chad also takes your calls, emails and answers your money questions such as:

• Paying off a mortgage or applying it to a 401(k) if you have extra money
• Student loans
• Knowing if you’re ready for retirement
• Modified endowment
• Available options if your job has no pension plan

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, of Rob Black & Your Money, discusses the latest news in the real estate market. 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 the top financial mistakes that people make and how to make better financial decisions so you can have a comfortable retirement.

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

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

Commercial-Free

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

Commercial-Free

Chad Burton, CFP®, shares financial planning tips for when a loved one passes away. In addition to breaking down the market numbers and the big stories of the day, Chad also takes your calls and emails and answers your money questions related to international funds, annuities, and social security.

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

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

Commerical-Free

Chad Burton, CFP®, shares important pre-marriage financial advice such as income, debt, budget, estate planning, renting vs. buying a home, and how to set up a well-crafted prenuptial agreement. Chad also takes your calls and emails and answers your money questions related to asset classes and retirement.

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

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

Commercial-Free

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

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

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

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

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

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

Commercial-Free

Today, guest host Rob Black, of Rob Black & Your Money, fills in for Chad Burton and discusses what investments to avoid and tips for diversifying your retirement portfolio. 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 the basic steps to take to get in the right direction for retirement. In addition to breaking down the market numbers and the big stories of the day, Chad also takes your calls and emails and answers your money questions related to annuities, gold and silver.

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

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

Commercial-Free

Guest host, Rob Black, of Rob Black & Your Money fills in for Chad Burton today and welcomes Tony Mendes, Branch Manager of BayAreaLoanSource.com. Tony shares tips on refinancing your home and goes in depth about cash out refinancing. Tony also discusses websites such as Trulia and Zillow as research tools for buyers and sellers.

Rob reviews which social media companies to invest in and the future of the internet and technology.

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 pros and cons of being self-employed such as business structure, benefits, the hidden extra costs, and taxes. Chad also goes in depth about indexes.

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.

Commerical-Free

Chad Burton, CFP®, discusses what to look for when choosing an identity theft protection service. In addition to breaking down the market numbers and the big stories of the day, Chad also takes your calls,  emails and answers your money questions related to REITs, IRAs, credit cards, and debt.

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

Credit and charge cards are great tools, provided you use them properly. In this podcast, Chad Burton, CFP®, and Rob Black, discuss how you can use credit cards and Upromise.com to save money in a 529 plan for college, using a credit card to accumulate airline miles, and when credit card "perks" may not be such a great deal.

Commercial-Free

Chad Burton, CFP®, welcomes Scott Smith, CMT and Senior Technical Analyst, of Briefing.com. Scott discusses current market conditions on a technical basis and investment ideas for the upcoming quarter. Chad also discusses what people worry about when they plan for retirement and the big stories of the day.

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

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

Commercial-Free

Guest host, Rob Black, of Rob Black & Your Money fills in for Chad Burton today and discusses real estate as an investment and its returns compared to stocks and bonds. 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

You may have seen ads for mortgage accelerators—expensive products that purport to help you reduce your interest and pay off your mortgage early. In this podcast, Chad Burton, CFP®, and Rob Black explain why you should be skeptical of mortgage accelerators and other "too-good-to-be-true" products you see advertised. They also explain why CNBC may be the worst place to turn for financial news.

Commercial-Free

Chad Burton, CFP®, discusses the different levels of diversification and asset class selection. Chad also breaks down the market numbers and big stories of the day.

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

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

Commercial-Free

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

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

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

Commercial-Free

Guest host, Rob Black, of Rob Black & Your Money fills in for Chad Burton today and welcomes Tony Mendes, Branch Manager of BayAreaLoanSource.com. Rob and Tony discuss the current trends in the real estate market and economy and its effect on baby boomers and millennials. 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 mutual funds and their star rating. Steve Hyman, Real Estate Agent in Half Moon Bay, calls the show and discusses bitcoin currency. Chad also breaks down the market numbers and big stories of the day.

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

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

Commercial-Free

Chad Burton, CFP®, discusses bank loan funds and the risks and rewards involved with this type of investment. Chad also breaks down the market numbers and big stories of the day.

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

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

Commercial-Free

Chad Burton, CFP®, discusses what investments to avoid when building wealth, and how to make better investment decisions. Chad also breaks down the market numbers and big stories of the day. Rob Black, of Rob Black & Your Money, calls the show and shares the latest earnings from AT&T and Apple.

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.

Warren Buffett is the Michael Jordan of investors, and his many quips—"Pain today, gain tomorrow"; "Never invest in a business you can't understand"; "Be fearful when others are greedy, and be greedy when others are fearful"—offer guidance to those looking to make smart money choices. In this podcast, Chad Burton, CFP®, and Rob Black discuss the pros and cons of adopting Warren Buffett's approach to investing.

Commercial-Free

Chad Burton, CFP®, goes in depth about estate planning and how to save on estate taxes. Chad also breaks down the market numbers and big stories of the day.

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

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

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

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

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

Guest host, Rob Black, of Rob Black & Your Money fills in for Chad Burton today and discusses important warning signs to look out for when choosing a financial planner. 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.