OPEC agrees to cut oil production, who are the winners and losers in this decision? Rob Black discusses this among other news stories including what will happen when the feds raise rates, what stocks you may want to own depending on the presidential election outcome, Deutsche bank’s $14 billion fine and the all-glass iPhone 8 rumors. He also talks about general money issues and scenarios such as balancing money management and happiness at any age and understanding how much you spend and on what.

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.

Financial issues remain one of the major causes of divorce, but should you own a Freedom Fund going into a marriage? The relatively new Collaborative Divorce effort presents a better mediation process.  I also take a look at how to properly present a prenup and protect family money in an estate plan.

• Paying taxes on XLF distributions and tax friendly indexed funds
• Statistics on long term care costs
• Hillary Clinton’s ridiculous proposed increase on estate taxes.

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.

Some financial planners are only Registered Investment Advisors and don’t have any true credentials. Today I explain what a Certified Financial Planner™ practitioner knows about creating and managing wealth that make a huge difference over your lifetime. Specific topics include

• Taxes
• Stock options (ESPP’s, Non-Qualified Stock Options, Incentive Stock Options, RSU’s, 83b elections, etc.)
• Insurance Advice without the sales
• Retirement Planning
• Investing Mistakes
• Estate 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.

Encore edition

Historically investing has returned better than real estate and bonds, but have you thought about which stocks you should consider owning? Should you go after managed mutual funds, indexed funds or ETF’s? What about individual stocks? Other topics discussed today:

• Creating a financial road map
• Companies with constantly changing products- balancing content and delivery
• College, first time home buying millennials and big financial decisions
• Healthcare in your portfolio

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.

Timing means everything when it comes to rebalancing your portfolio, but how can you keep it simple and still get decent results? How does this affect your retirement income strategy? What do you do when you’re still building wealth? Other topics include:

• Earnings growth in emerging markets
• What should you be doing when retirement is 1 year away?
• Mortgage relief gimmicks on social media
• Government Accountability Office (GAO) report where an averaged 8 of 26 people receive poor advice that cost them money
• Can the state really make off with your IRA?
• How much in liquid assets do you need before you consult a financial planner?

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 address market concerns which include high P/E ratios, REIT sector debuting in the S&P 500 today, market ties to politics which are delaying the rate hike and the Wells Fargo scandal. I also explain how you prepare for market corrections at different ages. How can younger generations avoid falling victim to fear and greed investment pitches on social media? How do retirees time the market? Other topics include:

• How low interest rates are changing the way insurance companies operate
• An article from former SSA Director, Kurt Czarnowski- 7 Tips to Maximize Social Security Benefits
• Tracking down lost 401k’s and how to roll them over

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

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

How much money will you need to retire? Rob weighs in on retirement planning mistakes which includes fixed and variable budgeting, optimizing your income gap and red flags you can’t afford a mortgage. Also in discussion:

• Delta Airlines going offline for 3 days
• Mortgage myths
• Financial problems that arise as you age

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 editon

Some financial planners are only Registered Investment Advisors and don’t have any true credentials. Today I explain what a Certified Financial Planner™ practitioner knows about creating and managing wealth that make a huge difference over your lifetime. Specific topics include

• Taxes
• Stock options (ESPP’s, Non-Qualified Stock Options, Incentive Stock Options, RSU’s, 83b elections, etc.)
• Insurance Advice without the sales
• Retirement Planning
• Investing Mistakes
• Estate Planning

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

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

Today I explain to Rob how credit and inflation cycles affect the 4% withdrawl rate in retirement and why you need to constantly track your expenses, returns and net worth in retirement. I discuss what you should cover in a financial review and respond to questions on:

• How to simplify taxes and withholding in retirement
• Paying taxes in retirement
• Is real estate an attractive investment right now?
• Owning REITs vs. apartment buildings
• Cashing in a $2 million life insurance policy bought in a trust (ILIT)10 years ago

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

Are we due for a recession? Rob Black dissects situations that have a major impact on the economy such as the European Central Bank deciding against policy changes, oil prices creeping up but remain overall low due to a slowed global economy. Rob discusses stock market yields of Apple, TJ Maxx and Mylan Labs. He also talks about situations we will be discussing at this weekend’s seminar in San Rafael and mentally preparing yourself for the next market correction.

Don’t forget to register for our Retirement & Wealth Preservation seminar this Saturday morning, September 10th at Four Points by Sheraton in San Rafael. Starting at 9 a.m. Rob Black, Michelle Lerman and I will cover strategies to help with complicated retirement wealth and estate plans. Registration is only $5 so click HERE to sign up!

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

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

Are economic numbers being measured correctly? The Institute for Supply Management conveniently reports a slowdown in manufacturing before elections, decreasing possibility of rate hike. I then focus on the financial aspects of immigration pointing out flaws in the argument for legalizing illegal immigrants simply to make them tax payers. Other topics include:

• When is it appropriate to include emerging market bonds to your portfolio?
• ETF’s shutting down at a record pace
• Big changes to the S&P 500 that will increase volatility in REIT’s as they become their own sector in the market
• Living trusts, QTIP trusts and Gene Wilder’s death

Don’t forget to register for our Retirement & Wealth Preservation seminar on September 10 at Four Points by Sheraton in San Rafael where Rob Black, Michelle Lerman and I will cover strategies to help with complicated retirement wealth and estate plans. Registration is only $5 so click HERE to sign up!

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

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

Do you hold stock through your company? I share how to handle stock when approaching retirement, the number 1 rule for stock option planning and basic types of stock options. I also explain when you should consider selling and how to correctly report taxes so you don’t end up paying twice. Other topics include:

• Flip-flopping passive and active investment strategies
• Jamie asks a question about getting her parents to qualify for MediCal
• Working past 70 ½ and rules for contributing to IRA’s
• ABLE Accounts, a 529 type plan for individuals with special needs
• Where to hold safe money when most of your retirement assets are in a 401k
• A concerning question about the best investment sectors for couples close to retirement

Don’t forget to register for our Retirement & Wealth Preservation seminar on September 10 at Four Points by Sheraton in San Rafael where Rob Black, Michelle Lerman and I will cover strategies to help with complicated retirement wealth and estate plans. Registration is only $5 so click HERE to sign up!

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

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

Encore edition

Chief drone pilot of DroneU Paul Aitken calls in to explain new drone laws, safety concerns and how drones will be used in the near future. He also talks about economic opportunities such as preparing our children for future jobs involving drones. Other topics include:

• Investing in growing industries
• Preview of our upcoming seminar
• The BENES Act which aims to fix ridiculous Medicare penalties
• Best approach to tackling debt
• Which age should you begin paying off your mortgage?

Interested in learning more about drones from Paul? Check out his podcast HERE.

Don’t forget to register for our Retirement & Wealth Preservation seminar on September 10 at Four Points by Sheraton in San Rafael where Rob Black, Michelle Lerman and I will cover strategies to help with complicated retirement wealth and estate plans. Registration is only $5 so click HERE to sign up!

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

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