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

Today,  I speak to estate planning attorney Michelle Lerman about retirement planning and how to leave assets to your heirs in the most tax efficient way. Other topics are:

• What is the "sequence of consumption" risk and how it affects you in an inflated market?
• I discuss the importance of knowing your spending floor and ceiling once you retire.
• How adding more small cap stocks will affect global markets.
• Then, I take callers questions about how to leave family money if you life to 100 and annuity killers.

Don't forget to sign up for our seminar at the Double Tree in Burlingame this Thursday, June the 4th at 6:30pm. 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.

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.

Today, Rob Black discusses daily stock market changes and other market news you need to know. Also mentioned:

• Mutual funds vs. ETFs
• Dr. Jeff Rosen of Briefing.com speculates reasons for the decline of sales among high-end retailers.
• Rob ponders how items like the Apple watch and fitness related tech can affect other companies stocks in the future.

Don't forget to sign up for our upcoming seminar in Burlingame on Thursday, June the 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.

Commercial free

Jack Mohr of TheStreet.com joins us and talks about the market being down just a bit over 1%. We also discuss:

• How dividends and buy-backs could end up being the sole contributor of total returns for the next 12 months.
• We discuss Wade Pfaus' article regarding the reliability of the 4% rule for retirement when interest rates are low.
• Life insurance vs. bond investing.
• The increase in Bay Area residents selling their homes and moving to cheaper states as part of their retirement plan.
• How startup companies are going elsewhere because of astronomical real estate prices.

Don't forget to register for the seminar with Rob and myself at the Double Tree in Burlingame on Thursday, June the 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.

Commercial-free

Today I dissect Bonds and everything you want to know about them. I also discuss a helpful new article on why you might want to be and stay in bonds. How you should and shouldn’t pick bonds. What makes a good bond manager? What are Floating Rate Funds? And what you need to realize about the risks of owning them. I take a caller’s question about his pension vs. a 401k. Which makes more sense? The surprising benefits and options you have when giving with a donor advised fund or a charitable remainder trust. Details on the new seminar hosted by Rob and I in Burlingame on Thursday, June 4 at 6:30pm.

To sign up for the seminar, just click here!

Encore presentation 

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

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

Commercial-Free

Today, on the Friday edition of New Focus on Wealth, Rob tries to give you some very basic advice you can use throughout your life about spending and investing your money wisely. 

To attend the seminar with Rob Black and myself on June the 4th in Burlingame, just 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 Rob and I talk about retirement plan beneficiary mistakes. What is a stretch and inherited IRAs and why not using them is a huge mistake. Rob also discusses:

• News of carcinogens in flooring from Lumber Liquidators could possibly sink the stock.
• Rob explains how the lack of housing for high-end tech workers could have a bigger impact than we think.
• Rob talks with Chris Ciaccia about Yahoo and The IRS.
• How a Morgan Stanley wealth manager could cost the company $400 million for having an affair with a client.
• An Apple analyst makes predictions on what to expect in Apple’s new iPhone offerings.

Don't forget to sign up for our upcoming seminar on June the 4th in Burlingame. 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.

Commercial-Free

Today I fill in for Rob Black and discuss the newly released market numbers and what they really mean. I also discuss:

• Goldman Sachs makes a bold call about the rise and fall of the S&P.
• Several ways to fund charities after you pass and which are the most tax efficient.
• Some potential legislation that seeks to regulate how 401k balances are reported.
• I take a call about calculating the amount gained when you file and suspend your retirement benefit.
• Some words of caution when paying your child’s college tuition.

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 dissect Bonds and everything you want to know about them. I also discuss a helpful new article on why you might want to be and stay in bonds. How you should and shouldn’t pick bonds. What makes a good bond manager? What are Floating Rate Funds? And what you need to realize about the risks of owning them. I take a caller’s question about his pension vs. a 401k. Which makes more sense? The surprising benefits and options you have when giving with a donor advised fund or a charitable remainder trust. Details on the new seminar hosted by Rob and I in Burlingame on Thursday, June 4 at 6:30pm.

To sign up for the seminar, 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

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

Tony Mendes of BayAreaLoanSource.com stops in and talks about bay area real-estate.

They discuss the struggles new home-buyers are facing such as competing with cash offers and over-bidding. Also, some pros and cons of where are rates at the moment.

Rob discusses Whole Foods vs. Sprouts as investments. The upcoming race to capture millenials’ trust.

Is renting really as bad as you think? The surprising upside to renting.

Max Willens of International Business Times gives us some insight on Apple’s upcoming launch of “Beats Music” and Spotify takes the brunt of criticism from record companies. 

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

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

Commercial-Free

Today Rob and I take a listener’s call about backdoor Roth IRAs and how they work with 457 accounts.

Wal-Mart looks to take a bite out of Amazon’s online dominance with a new subscription service

The troubling statistics on how much water is needed to create some of your favorite foods and what will happen to the price of protein. New companies are formulating ways to create substitute proteins with less water consumption.

Chris Ciaccia of TheStreet.com dissects Cisco Systems’ struggle and future under new management.

Elon Musk seeks to enable some places to be completely energy independent.

Liquor distributors seek to move more product via E-commerce. 

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

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

Commercial-Free

Today I go over some stocks that will be good starting points for millennial investors and other stats that give insight into their spending choices.

• Genetic services are becoming an affordable industry with custom made medicines and the medical field sees a vast number of applications.
• I discuss the all-too-obvious decisions that can impact your retirement savings but bears repeating.
• Dr. Jeff Rosen of Briefing.com translates the “JOTLS” numbers into information you can use.
• Why having several (or many) credit cards that have rewards can save you a lot of money in the long run.

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 what's going on in today's market. I also discuss items such as:

• Greece looks for its next exit.
• How do you prevent one parent from going completely broke, when the other parent goes into a nursing home.
• Myths about FAFSA college grants and why you don't want to pay for 100% of your child's college expenses.
• Listener E-mails about credit repair and I read a listener's rant about education. 

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

Job growth gains but wage growth fails to rise. What does that mean? I tell you what the fed numbers really mean on today’s show.

What happens to the market overnight when you’re asleep. The big changes that happen and how they affect your portfolio.

Who needs to live in a nursing home and what the alternatives are and I take a listener’s question about backdoor Roth IRAs.

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 how your health can be the biggest factor when it comes to the quality of your retirement. Rob  goes on to discuss data and news like:

• Jobs data comes out and inspires a bit of confidence as hiring rebounds
• Reservations for Tesla’s Powerwall brings in $800 million.
• An energy revolution seems to be coming and Elon Musk is guiding the way.
• Cole Stangler of the International Business Times, discusses when “livable wage” became an issue for an adults in America. Can we solve the wage battle issue or should we?
• And Nike pledges to create 10,000 U.S. jobs after an nudge from President Obama. 

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 enlightens us with the latest market news and I dispel some myths about RMD calculations. Zynga makes massive cuts in payroll and staff. Nintendo intends to cash in by taking its Mario character to mobile platforms. How much will Tesla’s new “Powerwall,” power storage unit cost and how long will it take to pay for itself? And is tesla a stock to own for the long-run? Rob discusses taking care of an elderly parent and the cost of healthcare in the last few years. The Robinhood app aims to help the younger generation trade and buy stocks for free while McDonalds finds ways to work kale into their menu and update their image.

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 taxes in retirement and how planning for them can be tricky but not impossible. We also discuss current market news that impacts your portfolio. With topics such as:

• Salesforce’s stock soars on the rumor that Microsoft is interested in purchasing them.
• Job numbers are announced and it appears they are as good as they’re going to get.
• Dr. Jeff Rosen calls in with some negative news about the stagnant economy numbers.
• California’s tourism industry is surging which benefits residents but the drought continues to be a damper on growth.

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

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

Commercial-Free

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

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

Today I catch up on some listener e-mails and answer the most common questions I get from listeners like you. I cover topics like:

• MLPs: what you need to know about investing in a master limited partnership that could cost you a pretty penny in taxes.
• How to calculate the amount of money you will need in each year of retirement and work out the possible  bugs in your calculations. AND how the one thing you DON’T need to calculate is timing the market.
• James in Piedmont calls in about how much cash to have on hand and the dismal state of bonds.
• Why you don’t want to choose a big bank to be a trustee. 

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)

Or to get your question answered on the spot, call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Commercial-Free

     Tony Mendes joins the show and answers the question on the mind of every real-estate investor: Is now a good time to buy? The correlation between social media stock prices and a decrease in home prices.  Rob explains how the correlation works. Betsy Isaacson of Newsweek discusses how homeless millennials are using technology. 

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

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

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

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

Commercial-Free

     On today's show, Rob discusses Time-Warner’s revenue jump to an unexpected high from March Madness profits. The unfortunate news that fewer American families are saving less for college than before. I answer a listener’s email who is unsure if he is liable to pay capital gains taxes from the money he makes on the sale of his home. Dr. Jeff Rosen and I discuss the pros-and-cons of a slowly growing economy. (Yes, there is an upside) 

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

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

Commercial-Free

Jack Mohr of TheStreet.com and I rejoice over Apple’s spectacular earnings reports. Is the Nasdaq’s recovery different from the last time? What happened to people that avoided bonds? Why you need a combo of stocks, bonds and other products.

 Then I take a call from a listener who’s looking to transition out of a 457 plan and would like to give his portfolio a make-over. Another caller asks about using insurance and annuities as income. Our third caller asks how to rebalance when you’re overweight in certain stocks.

If you'd like to get your question answered on the air, send your 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 results, market performance in April with the Nasdaq hitting record highs and Apple doing better than expected.  I explain how not rebalancing your portfolio is like letting your insurance lapse, when to consider selling RSU’s and how to pick your 401k allocation by cheating off the pros.

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 the Nasdaq composite closing at a record high - and why it’s great if you’re retiring. Is the intense cost of season tickets worth it? Hidden costs like parking and food can add up quickly. Some economic disappointment in the number of durable goods ordered. Investing in consumer staples and some thoughts on legacy stocks. 

It's not too late to sign up for one of our TWO seminars TOMORROW. 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

Rob and I tell you what you’ll expect on Saturday’s seminars in San Jose. Things like, which insurance do you need and the many types of insurance you don’t need. What to look for when hiring a financial advisor. What really matters when forming a portfolio in your 20’s and 30’s. What you need to know when a parent needs to move into a retirement home and much more!

Register for one of the TWO seminars this Saturday in San Jose at The Four Points by Sheraton, San Jose Airport. There’s still time to sign-up, 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 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

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

To sign up for one of the TWO upcoming seminars in San Jose on April the 25th, click here!

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

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

Commercial-Free

Tony Mendes joins Rob Black and discusses housing in the Bay Area. With a focus on:

• Where rents are increasing most.
• How to sell a home that has not been maintained in many years.
• Is is true that, "Real Estate always goes up"?

Rob also talks about the best way to retire a millionaire. (Its more simple than you think). Kurt Eichenwald of Newsweek and International Business Times discusses a deadly case of medical fraud. And the round-about way the drought can hurt real-estate but help our health.

Click HERE to sign up for our upcoming seminar on April the 25th in San Jose.

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

Low interest rates are causing a lack of return in the form of interest rates. Roth conversions gain media attention and when it becomes a good idea to convert your savings. Netflix threatens the cable industry and the paychecks of professional athletes while Chris Ciaccia of TheStreet.com discusses how they smashed their earnings report. Apple plans to save millions by using solar power and much, much more!

Click HERE to sign up for one of our TWO seminars in San Jose on April the 25th.

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

The European Union hits Google with anti-trust charges. Yahoo looks to buy Four-Square and I help a listener decide between 403b and s 457 plans. Raphael Tulino of The IRS calls in with some tips to help you with your taxes, avoid an audit and be aware of scams. Dr. Jeff Rosen goes over his doctoral thesis and Mario Draghi takes some abuse due to youth unemployment in Europe. Today’s youth are not building credit – in favor of saving. And McDonald’s is still looking for a solution to their falling numbers.

Don't forget to sign up for one of our TWO seminars 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

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

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

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

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

Commercial-Free

On today's show, Scott Smith with Briefing.com discusses the Advance Decline Line and the strength in foreign markets.  I take calls on Roth IRA Conversions, oil stocks, and social security.  I also answer questions on credit monitoring services and ID theft insurance.

To sign up for one of our TWO upcoming seminars, 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 Tony Mendes discuss the investing strategies of several listeners and is the idea of living a debt-free life a good idea? They also discuss topics like:

• How certain debts can be beneficial
• What dose it really mean when the government says they are "buying debt"?
• How Home Depot is making a profit from low mortgage costs.
• Having a game plan in your 20's and 30's before moving out of your parents' house.
• Is a $40,000 wedding worth it and learning to live with less.

To sign up for our upcoming seminar, click here.

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

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

Commercial-Free

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

Encore presentation

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

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

Commercial-Free

Today Rob Black discusses the market’s consolidation and the latest impacting financial news stories. He also discusses:

• The state of the airline industry in 2015.
• A listener calls about owning company stock where the company is merging with another.
• Why women in America tend to save less than men.
• TripAdvisor.com’s stock performance.
• Dr. Jeff Rosen of TheStreet.com discusses the employment and wage reports.
• I discuss assigning a beneficiary to your retirement accounts.
• And much, much more!

Encore presentation

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

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

Commercial-Free

Younger people are wary of investing after seeing the hardships their parents suffered in the most recent market bubbles. Yet over the past hundred years, the market has averaged more than 11 percent. Chad Burton, CFP^®, and Rob Black discuss how to reach young investors who trust technology more than do a guy in a suit.

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 take calls from listeners and discuss why it's important to be asbolutely honest with financial advisors about your expenses. *Even the embarrasing ones.* Also covered are:

• The finer pieces of a full-growth portfolio
• Dividend paying stocks
• A call about using a bond alternative to fund an education
• Leaving funds in a 401k vs. rolling into an IRA
• A caller asks what to do with an extra $100,000 in cash
• Different portfolio allocations and the risk vs. reward.
• That and much much more!

To sign up for one of our TWO upcoming seminars,  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

On today’s show I discuss the importance of ETFs in your portfolio. Why they are the best vehicle to get you to your first $150k. Tony Mendes discusses how to get the lowest rate available to you and mortgage applications surge in the U.S. Dr. Jeff Rosen of Briefing.com analyzes the depressing number of durable goods and other depressing economic numbers. Finally, Rob discusses how financial advice can be hard to take, but a smart person gets advice and uses it. 

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 Chad discuss funding an educational fund for a child or grandchild in retirement. You’ll also learn how to fund that educational fund tax-free. Americans are buying vacation homes at an astonishing rate, for rental and for personal use. Baby boomers are moving into the homes they want to be retired in. Chris Ciaccia discusses Tesla’s lack of angst over Apple’s plan of building an electric car. Who exactly are “stock market analysts” and how their recommendations, expectations and advice can be damning or beneficial.

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

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

Commercial-Free

Rob discusses finding and investing in trends and millennials are about to dive into the housing market. Dividends contribute to more of the market returns than before and Wal-Mart searches for a way to stop losing market share. What are dividend aristocrats? Dr. Jeff Rosen speculates the outcome of the upcoming jobs report and March’s performance indicates that the market is taking its foot off the gas after the last 5 years of gains. 

Sign up for one of our TWO upcoming events 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

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 take a look at earthquake insurance and paying off your home, the Russian economy and delaying your retirement to help your adult children.

Encore presentation

To sign up for our upcoming seminars,, 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. I answer a listener's email question about the pros and cons of Lending Club and I also cover different types of crowd funding.

To sign up for our upcoming seminar, click here.

 Encore presentation

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

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

Commercial-Free

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

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

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

Commercial-Free

Rob Black discusses the latest and most relevant news stories that impact your bottom line. Such as:

• The labor market improves due to even lower unemployment
• Facebook looks to improve their video chat service and launch a family of apps.
• Apple looks to compete with Spotify
• Chris Ciaccia of TheStreet.com discusses the WWE’s Wrestlemania will have on Santa Clara’s economy and the history of their stock performance.
• And I talk with Rob about lump sum investing.

Click here to register for our upcoming seminars in San Mateo on April the 25th.

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 my rules of investing.  I also talk about how technology has made it easier than ever to get started in investing and cheaper than ever to have a professionally managed portfolio.  I take a call regarding how to evaluate a wealth manager and how returns are reported and discuss the extra challenges women face 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.

Commecial-Free

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

To sign up for our upcoming seminar, click here.

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

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

Commercial-Free

Is 2015 the year for international stocks? How the dollar's ascent is good for investing in troubled markets overseas. Then Chad discusses an article found on TheSimpleDollar.com that helps you avoid 13 kinds of "bad luck" in retirement investing. Tips like:

• How spending money on the right insurance can help you save money in the long run.
• Setting up different revenue streams so you don't have to draw from your retirement accounts.
• Determining your risk allotment
• and much more!

To sign up for our upcoming seminar "Money 101" in San Jose on April the 25th, click HERE.

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

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

Commercial-Free

Rob discusses the differences between male and female spending in retirement and the changes each sex should make to improve their retirement savings. Other topics include:

• Tony Mendes discusses the state of bay area real estate and Oakland is set to be the next up and coming real estate darling.
• Max Willens of the International Business Times discusses his article where he discusses how robots are influencing business strategies more than ever before.
• The medical “tricorder” from Star Trek gets closer to becoming a reality.
• Why women need to save more money than men.

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

Chris Ciaccia and Rob Black discuss today’s market stories that matter to your bottom line and Tony Mendes discusses what your age has to do with your ability to get a loan. Other topics include:

• Nintendo announces a move to put its games on smartphones and tablets, causing its stock price to explode.
• Elon Musk announces the end of range anxiety in electric cars.
• Apple stands to make even more money with the iWatch and a streaming TV service.
• Pros and cons of foreign stock markets.
• Target settles with the customers who had their identities stolen.

To sign up for our upcoming seminar, click here.

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

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

Commercial-Free

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

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

To sign up for our upcoming seminar, click here.

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

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

Commercial-Free

Jack Mohr of TheStreet.com joins me and discusses how you need to take advantage of the strengthening dollar right now. We also go over:

• When will oil go back to being a stable investment, or will it?
• Why you want to have an exit strategy for every stock, ETF and bond you buy.
• Is retiring abroad a good choice for you? How the increasing dollar and cheaper medical costs can be a big deal abroad.
• Fixed annuities
• Tax issues for the self-employed and 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 I discuss info to get to your tax advisor, the rise of fraudulent investments regarding the marijuana industry and in private real estate and I take calls on energy ETF’s, how to title a home in a second marriage and when to buy life insurance.

To sign up for our upcoming seminar, click here.

 Encore presentation

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

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

Commercial-Free

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

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

To sign up for our upcoming seminar, click here.

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

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

Commercial-Free

Rob and I discuss taxes and in retirement as well as how to hand down your retirement to your heirs in a tax-free environment. We also discuss the topics of tonight’s seminar in Walnut Creek. How the younger generation might fare in retirement. Also, how much inflation will affect your nest egg and who are annuities good for?

To sign up for our upcoming seminar, click HERE. 

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

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

Commercial-Free

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

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

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

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

Commercial-Free

Michelle Lerman answers the trickiest estate planning and tax questions I can give her. She also dissects irrevocable trusts and life trusts. We also discuss:

• Ways grandparents can leave money to heirs in a tax free account which can then be inserted to their IRA all while avoiding the RMD.
• Why you want to pay taxes now rather than paying them when you’re older
•  Then I take listener calls about 401k funds and another listener asks if it’s best to invest in total international stocks or European stocks only.

To sign up for Thursday seminar in Walnut Creek, click here!

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

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

Commercial-Free

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

Commercial-Free

Today, I 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

Today I talk with Rob Black about the legalities of withdrawing money from retirement accounts and other costs that need to be factored into your retirement cost projection. Is monetary policy crushing the returns of retirees? Chris Sciaccia calls in to discuss the announcement of Apple’s wristwatch. Rob weighs in on Mark Cuban’s statement that today’s tech bubble is worse than that bubble 15 years ago and Costco’s profit surges.

Click here to sign up for Thursday's semianar in Walnut Creek. 

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

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

Commercial-Free

Today Rob Black discusses the market’s consolidation and the latest impacting financial news stories. He also discusses:

• The state of the airline industry in 2015.
• A listener calls about owning company stock where the company is merging with another.
• Why women in America tend to save less than men.
• TripAdvisor.com’s stock performance.
• Dr. Jeff Rosen of TheStreet.com discusses the employment and wage reports.
• I discuss assigning a beneficiary to your retirement accounts.
• And much, much more!

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

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

Commercial-Free

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

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

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

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

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

Commercial-Free

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

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

To sign up for our upcoming seminar, click here.

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

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

Commercial-Free

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

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

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

Commercial-Free

Today Rob discusses the wave of retiring baby boomers in the US. Will net neutrality affect certain stocks and markets and what might happen if internet speeds are become metered? I discuss tonight’s webinar and how delaying social security can help your investing strategy. Lytro promises to revolutionize the world of digital photography and what will happen to Berkshire-Hathaway when Warren Buffet dies? I also discuss how to re-balance your portfolio in retirement and much, much more!

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 new retirement vehicles like “longevity insurance” and how it works. Tony Mendes discusses credit repair and which bills you shouldn’t pay if you can’t pay one. Is investing in tobacco a good idea and Dr. Jeff Rosen discusses the fresh market and housing numbers. Warren Buffet’s investment in John Deere and Rob takes a call on Monsanto’s stock.

To sign up for our webinar this Thursday, click here.

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

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

Commercial-Free

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

To sign up for our webinar this Thursday, click here.

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

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

Commercial-Free

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

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

Sign up for Thursday's webinar Here.

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

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

Commercial-Free

Rob talks to Bay Area entrepreneur Elvis Lieban about starting a business from scratch. He also discusses his personal views on running a business, expanding, managing the astronomical bay area rent and the current coffee market.

• How investment knowledge comes from perseverance and not special or secret methods
• Why being calm in investing will get you a better return than shifting constantly
• Caribou Coffee’s strategy vs. Peet’s strategy
• And much, much more!

Encore Presentation

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

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

Commercial-Free

Wal-Mart decides to give raises to 500k employees and the effect it will have. I discuss ETFs and why fees in ETFs and mutual funds are not always a bad thing. I also list some of the unknown costs encountered in retirement. Rob discusses the drastic change in the way we consume media and smart phones look to take an even bigger market share. Jack Mohr of TheStreet.com weighs in on Wal-Mart’s decision to give raises to their employees and why they may have made that decision. Jack also speculates on the Apple car and toy companies.

Click HERE to sign up for next week's webinar!

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 top stories like an upswing in Americans taking out loans and is Apple’s decadence going to have a disastrous penalty? I also talk with Rob about estate planning laws and options for when you pass. Dr. Jeff Rosen reports in from TheStreet.com about disappointing housing numbers and Greece kicks the economic can down the road with another loan. Rob goes on to discuss topics like:

• How investing in European stock markets can give you a new dimension of diversity
• Predictions on where oil prices will stop and stay
• Snapchat seeks to raise $19 billion in value
• Apple scores a patent for a virtual reality headset
• 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

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

Estate planning attorney Michelle Lerman calls in to tell us how to avoid family disputes using Robin Williams’ estate as an example. I also discuss 12 Common tax return mistakes and dangerous assumptions when calculating your retirement savings.

Encore presentation

To sign up for our webinar on Thursday, February 26, 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 discuss recent news in the market and analysis of Robert Schiller’s grim message to investors. We also cover:

• I discuss how you can construct a portfolio that lasts and if bonds are worth owning?
• Rob lists the most common financial mistakes. (i.e., living outside of your means and retiring too early)
• Worldwide fear of Friday the 13^th

To sign up for our upcoming seminar, click here.

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

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

Commercial-Free

Rob and I discuss assumptions you’re probably making about retirement, like finding another job before you retire and assuming you’ll receive an inheritance. Identity theft hit a record high in 2014 and identity theft insurance. Chris Ciaccia of TheStreet.com discusses Tesla’s lackluster numbers and why Sony gave Disney rights to Spider-Man for free. Also, is Apple considering building a car? We cover all these topics 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, Rob lets you in on the latest financial news from companies like GM, Staples, Tesla and more. I discuss portfolio construction and Rob discusses every parents’ worst nightmare. What you want to insure and not. Dr. Jeff Rosen of TheStreet.com analyzes the latest retail sales numbers.

To sign up for our upcoming seminar, click here.

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

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

Commercial-Free

In this episode, I discuss high yield bonds, master limited partnerships (MLPs) and how they tie to oil. I also cover more dangerous assumptions to make when calculating your retirement savings. That and so 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

Estate planning attorney Michelle Lerman calls in to tell us how to avoid family disputes using Robin Williams’ estate as an example. I also discuss 12 Common tax return mistakes and dangerous assumptions when calculating your retirement savings.

To sign up for our webinar on Thursday, February 26, 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 sits in with Rob black today and they discuss why you want to plan out what you’ll do in your retirement before you get there. Tony also elaborates on Bay Area real estate and the issues young people face when buying a home. How Fremont is the up-and-coming place for real estate investors. Then they take a look at alternative cities to live and buy houses in for young people. 

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

How much of your portfolio should be in stocks when you retire? In this podcast, Chad Burton, CFP®, and Rob Black explain why the old investing rules of thumb may no longer apply. They also offer some tips on issues retirees should consider when making portfolio allocation decisions.

Commercial-free

Rob lets you in on the latest market news and numbers. With a focus on stories and topics such as:

• Jobless claims drop to a 2-year low
• I talk with Rob about tax efficient investing.
• Exchange traded notes vs. exchange traded funds.
• How the younger generation is learning to do without cars and what that means to the auto industry
• Tinder starts a paid-subscription service.
• Tony Mendes comments on how difficult it is to get a mortgage and how liar loans started
• Anthem healthcare got hacked and lost a large amount of customer data and how you can protect yourself

Sign up for our upcoming webinar on February the 26th!

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

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

Commercial-Free

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

To sign up for our upcoming webinar, click here.

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

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

Commercial-free

Today I discuss why you should avoid working with people who tell you to invest because of fear and greed. Why using insurance contracts as a 401k alternative is a terrible idea. Also in the news, a new law in Delaware poses a threat to your digital property (photos, music, e-mail).

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

To sign-up for our BRAND NEW webinar on Thursday, February th 26th, click HERE.

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

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

Commercial-Free

Rob talks to Bay Area entrepreneur Elvis Lieban about starting a business from scratch. He also discusses his personal views on running a business, expanding, managing the astronomical bay area rent and the current coffee market.

• How investment knowledge comes from perseverance and not special or secret methods
• Why being calm in investing will get you a better return than shifting constantly
• Caribou Coffee’s strategy vs. Peet’s strategy
• And much, much more!

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

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

Commercial-Free

Rob Black discusses your financial mindset and why cable news is bad for your finances. Other stories include:

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

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

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

Commercial-Free

Rob gives you the scoop on today’s need-to-know market headlines, such as:

• Apple announces an amazing quarterly report after the iPhone6 sells beyond expectations
• Americans plan to spend $19 billion on Valentine ’s Day this year
• American Airlines profits hugely from the drop in fuel prices
• AT&T can’t stop customers from leaving
• Do you need to own Apple stock?
• Dr. Jeff Rosen chimes in on the Fed meeting and some disappointing economic data
• Some comments on the future and stock of Bank of Ireland
• 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

On today’s show I discuss the headwinds U.S. companies face as a result of the strong dollar and the tail-winds from low oil prices. I discuss a high yield international ETF, take calls on tax issues resulting from spin-offs, and how grandkids can affect your retirement.

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 ECB quantitative easing, the elections in Greece, and mutual funds vs. ETFs. I also answer listener questions about gains and losses and what the Federal Reserve will do with all of the bonds they own.

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 Tony Mendes discuss the investing strategies of several listeners and is the idea of living a debt-free life a good idea? They also discuss topics like:

• How certain debts can be beneficial
• What dose it really mean when the government says they are "buying debt"?
• How Home Depot is making a profit from low mortgage costs.
• Having a game plan in your 20's and 30's before moving out of your parents' house.
• Is a $40,000 wedding worth it and learning to live with less.

To sign up for our upcoming seminar, click here.

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

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

Commercial-Free

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

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

To sign up for our upcoming seminar, click here.

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

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

Commercial-Free

Jack Mohr of TheStreet.com spells out what the new European Central Bank numbers mean and their own quantitative easing plans.

• Is it safe to invest in oil?
• Centurion team manager, Sean Cummings discusses the correlation between the economy and boating.
• When it's ok to spend money on frivolous items.
• Fees in your retirement accounts
• How to save money on travel in retirement.
• 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