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 retiring outside of California as it becomes more of an issue for people to make ends meet when they stop working. Other topics include:

• The best states to live in retirement.
• How to prepare when your retirement is dependent on your home sale.
• Why you should be wary of contributing to a Roth IRA later in life.
• What is The Savers Tax Credit and how is it different from a tax deduction?
• 15 steps to create a solid financial base.

Tate calls in and asks if he should keep his term life insurance policy when he no longer has any dependants to cover.

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 Kym talks with multiple company founders about the products they have come up with and the holiday deals they are offering this year. This includes:

• Jennifer Clary (BabyBoxCo.com) brings the baby box tradition that helped Finland achieve the lowest infant mortality rate to US.
• Catalina Girald (Naja.co) creates a line of lingerie that is free of cancer causing chemicals and is also environmentally friendly. They also talk about her “Underwear for Hope” fund where all lingerie purchases directly help under-privileged women around the world.
• Chris Boyle (SoloShot.com) invents a robotic camera that tracks you through a worn tag, automatically panning, tilting and zooming to keep you in shot up to 2,000 ft. away.
• Constantin Bisanz (Aloha.com) starts a supplements company that makes healthy living affordable and simpler to understand with his team of nutritionist and experts.
• Lynn starts an app called Hooch which offers one free drink a day to members, ultimately helping them find fun, new places to visit.
• Jamie Morea (Hyperbiotics.com) makes a daily wellness probiotic with a controlled release delivery system that works more efficiently throughout your digestive system.
• Luke comes up with Sweet Jar, an app that allows you to fill a jar with your favorite and new candies before having it delivered to you or a friend.

To have your questions answered by Kym and her guests call 1-800-516-1220 on Thursdays from 2:00-3:00 p.m. (PDT)

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 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.

Kym kicks off today’s show by talking about VenueNext, a venue concierge where fans can have food order food from their seats, purchase merchandise with fan club points and even transfer tickets to friends without fees.

Lisa Dolev, CEO of Qylur Intelligent Systems, calls in and explains how Qylur improves your experience at Levis stadium through self-service, bag screening pods.

She-Rae Chen Descamps, Founder and CEO of FanTalk, discusses her mobile app that connects die-hard fans so they may have in-depth conversations. She also talks about working with former cornerback 49ers Ronnie Lott who is an advisory board member.

Then former 49ers and Saints linebacker Jim Kovach calls in and talks about his medical work with stem cells that will help heal athletes.

He also is involved in CrowdOptic, a company that installs cameras in stadiums and streams video straight to smart glasses and phones offering different views from around the stadium. Fans are also allowed to share their own views amongst each other and even post to social media.

To have your questions answered by Kym and her guests call 1-800-516-1220 on Thursdays from 2:00-3:00 p.m. (PDT)

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 rant about the uselessness of the new government created myRA program and its regulations. I also discuss:

• Phasing into retirement vs. a specific date you completely stop working.
• New research on safe withdrawal rates and how much money retirees need.
• Probable effects of the Feds rate hike.
• Filing early and watching your income so your child gets the most out of FAFSA.

I also respond to a listener's email about selling a rental property for a vacation home under a 1031 exchange and talk about rules for creating income on your vacation home.

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.

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

Commercial-Free

Wearables are the biggest new innovation in mainstream technology since the smartphone.

Today we are focused on the explosion of smartwatches, fitness trackers, and other connected devices aimed at making you healthier, more fit and more productive.

Internet of things, otherwise known as IoT. It’s basically technology that makes every object smart - even your front door lock of your home.

We have with us Kyle Ellicott, co-founder of WearableWorld, which is what’s called an accelerator where they provide the resources startups need to hopefully grow and succeed. it’s fairly capital intensive to start a wearable or internet of things… because it requires hardware.

Today, he announces ten startups from around the world who are finalists in the running for a spot in their accelerator program:

1. Tinsel

2. BotFactory - mini 3D printing station for circuits.

3. ElectrlQ Power

4. SmartPlate

5. Notion

6. Fueloyal Technology

7. Notch Interfaces

8. XactSense

9. Den

10. Lucid VR

Other great startups in the Wearables Space, which are semi-finalists in the Extreme Tech Challenge:

August: Smart home access products including keyless door entry. You can open your door using your smartphone. Coupled with their connected doorbell which has a camera on it, you can see who’s at your door and speak with them even when you’re not home. 

Bloom Technologies - They’ve created what I would call the fitbit for pregnancy. You wear it during your third trimester and it tracks your contractions. Expecting moms can also track the ups and downs throughout their entire pregnancy.

Captive Media It puts a network of interactive screens in the men’s bathroom where advertisers can create interactive games…the kicker is the sensors they place in the urinals that connect to the monitors —the stream controls the game.

MainTool -They are a company that develops watch straps that make any standard watch smart. i love this because while the fitbit may be a novelty…you wear your swiss watch piece forever.

Revolar - It’s a personal safety device that you can put on your keychain or attach to your clothing…it connects to your cell phone so when you press it, it connects to the app on your phone which ultimately notifies your family and friends you need help. It also sends your location.

Smartplate- It instantly measures what’s on your plate with up to 99% accuracy. It identify, weigh, and analyze your food within seconds. SmartPlate identifies everything from single foods to prepared meals via a side-view picture that's taken from an embedded camera inside the plate. The load sensors weigh the food, and then their app sends both the image and weight data to their proprietary cloud for analysis. Nutritional information is then relayed back to the user’s mobile app.

To see more of the coolest wearable and IoT startups showing off their demos, WearableWorld.co is holding their demo day November 19th 6p-9p. Go to www.wearableworld.co for details.

To have your questions answered by Kym and her guests call 1-800-516-1220 on Thursdays from 2:00-3:00 p.m. (PDT)

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.