As the Dow marches towards 20,000 I list off several positives (such as a 5% revenue jump) that are pushing the Dow to an all-time high. I explain why it is smart to make portfolio reallocations in January, why the market will be volatile and who should be rebalancing. Other topics include:

• Reviewing bond allocations in your 401k –Avoiding certain types of bonds
• Where should you put safe money in your 401k?
• What is the right move for this self-employed person funding a SEP IRA with $50,000 in a 401k from their previous company
• Which is the better strategy for rental property? A 1031 exchange now vs. moving in and selling later
• Cuts in Social Security benefits needed by 2031
• Backdoor Roth IRA dissected

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.

As the Dow marches towards 20,000 I list off several positives (such as a 5% revenue jump) that are pushing the Dow to an all-time high. I explain why it is smart to make portfolio reallocations in January, why the market will be volatile and who should be rebalancing. Other topics include:

• Reviewing bond allocations in your 401k –Avoiding certain types of bonds
• Where should you put safe money in your 401k?
• What is the right move for this self-employed person funding a SEP IRA with $50,000 in a 401k from their previous company
• Which is the better strategy for rental property? A 1031 exchange now vs. moving in and selling later
• Cuts in Social Security benefits needed by 2031
• Backdoor Roth IRA dissected

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.

The DOW rallies as investors rotate their money out of technology and international ETF’s and into financials and small cap sectors.  What can keep this market going? New policies Donald Trump needs to focus on if we want our market to continue its upward trend and see actual growth with new money. Other topics include:

• The case for active management in bonds
• Goldman Sachs predictions about Trump’s presidency benefiting most sectors
• Does this sound like you? Signs you may need to turn your investing reins over to somebody else
• An emotional investing failure story
• How will the Trump administration tackle long term care insurance?

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 visitwww.NewFocusFinancial.com.

Encore Edition

Is any job safe? Today Rob Black learns about a robot that makes sushi and wonders how automation will affect jobs in the future. He also discusses perks to using credit cards over debit cards in several situations and why he carries 3-4 different cards. Other topics include:

• Beneficial investing and saving apps
• Unqualified people in the insurance industry
• What should your asset allocation be when planning for retirement?
• Peer to peer lending

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 visitwww.NewFocusFinancial.com.

Encore Edition

Rob Black and I get geared up for tomorrows’s 10 Pillars of Retirement webinar. If you’re planning on retiring within the next 10 years Rob Black, Michelle Lerman and I will focus on retirement and estate planning issues that increase your chances for an ideal retirement. Topics for today’s show include:

• Financial planning process to create a retirement plan
• Transitioning into retirement
• What does retirement truly cost?
• Major changes to retirement planning
• The market’s effect on retirees
• Tomorrow’s 10 Pillars agenda

Tomorrow's 10 Pillars of Retirement webinar on the 21st is FREE, but we still need you to sign up! Click HERE to register for information and strategies you’ll need if you want to increase your chances at a care-free retirement.

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)

Today I reminisce about my 23 years as a Certified Financial Planner by talking about the top 10 retirement issues I will be discussing during the webinar THIS WEDNESDAY. I review current day retirement problems and explain solutions.  I cover a chart that shows individuals net worth as a percentage of income and explain the correlation with taking too much risk. Harry from Castro Valley calls in to ask about social security spousal benefits and when he should ‘turn on the tap’. I also discuss the best cities to retire overseas.

Our 10 Pillars of Retirement webinar on the 21st is FREE, but we still need you to sign up! Click HERE to register for information and strategies you’ll need if you want to increase your chances at a care-free retirement.

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 the DOW closed above 19,000 –Is now the time to sell? I breakdown previous market highs and lows and review the makeup of the DOW vs the S&P 500. What two factors generally hurt large cap companies, but have caused small and mid cap stocks to rally the past 13+ days? Other topics include:

• Investing in international stocks despite Trump trade agreement scares
• Lower taxes and the growing concern regarding under-funded state pensions may affect the attractiveness of tax free municipal bonds
• Long term care insurance options
• ‘Tis the season for making the most out your donations. Gifting appreciated stock to charities and other strategies to consider as the holidays roll in
• IRA’s –What you can and can’t do now and what strategies are likely to change 

Our 10 Pillars of Retirement webinar on the 21st is FREE, but we still need you to sign up! Click HERE to register for information and strategies you’ll need if you want to increase your chances at a care-free retirement.

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

Do you buy and hold your ESPP discounted employer stock or sell and use it for something else? Learn the difference between ESPP, RSU, qualified and non-qualified stock options and how people are using their shares. Other topics include:

• New Year’s investing resolutions
• Pros to a rate hike from the feds
• HSA strategies (Healthcare Savings Accounts)
• Challenges of retiring abroad

Our 10 Pillars of Retirement webinar on the 21st is FREE, but we still need you to sign up! Click HERE to register for information and strategies you’ll need if you want to increase your chances at a care-free retirement.

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.

Will Trump's plan to alter taxes justify returns from the DOW and the S&P 500 after he assumes presidency? It’s that time of year when people are anxious about entering a high market and others are considering pulling out. Have a strategy in place and make sure you stick with it! Other topics include:

• REIT’s
• 9 Reasons The Concept of Retirement Has Changed
• A listener asks about balancing his estate planning wishes between leaving money for special needs kids, long term care expenses and keeping his business liquid for his employees
• Year-end tax planning under the Trump administration
• Keeping your home owners insurance up to date

Our 10 Pillars of Retirement webinar on the 21st is FREE, but we still need you to sign up! Click HERE to register for information and strategies you’ll need if you want to increase your chances at a care-free retirement.

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.

The DOW rallies as investors rotate their money out of technology and international ETF’s and into financials and small cap sectors.  What can keep this market going? New policies Donald Trump needs to focus on if we want our market to continue its upward trend and see actual growth with new money. Other topics include:

• The case for active management in bonds
• Goldman Sachs predictions about Trump’s presidency benefiting most sectors
• Does this sound like you? Signs you may need to turn your investing reins over to somebody else
• An emotional investing failure story
• How will the Trump administration tackle long term care insurance?

Our 10 Pillars of Retirement webinar on the 21st is FREE, but we still need you to sign up! Click HERE to register for information and strategies you’ll need if you want to increase your chances at a care-free retirement.

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

People are more likely to rack up debt this time of year; what they need is a solid plan to tackle their debt. Tackling the largest balance vs. paying off debt smallest to largest is only one mistake people make that prolongs their cash flow problem. Other topics include:

• An article about psychology and money and Christmas shopping
• Indexed funds vs. actively managed funds –which applies to your financial situation?
• Self-employed retirement options

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.

The DOW rallies as investors rotate their money out of technology and international ETF’s and into financials and small cap sectors.  What can keep this market going? New policies Donald Trump needs to focus on if we want our market to continue its upward trend and see actual growth with new money. Other topics include:

• The case for active management in bonds
• Goldman Sachs predictions about Trump’s presidency benefiting most sectors
• Does this sound like you? Signs you may need to turn your investing reins over to somebody else
• An emotional investing failure story
• How will the Trump administration tackle long term care insurance?

Our 10 Pillars of Retirement webinar on the 21st is FREE, but we still need you to sign up! Click HERE to register for information and strategies you’ll need if you want to increase your chances at a care-free retirement.

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.

Is any job safe? Today Rob Black learns about a robot that makes sushi and wonders how automation will affect jobs in the future. He also discusses perks to using credit cards over debit cards in several situations and why he carries 3-4 different cards. Other topics include:

• Beneficial investing and saving apps
• Unqualified people in the insurance industry
• What should your asset allocation be when planning for retirement?
• Peer to peer lending

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 the DOW closed above 19,000 –Is now the time to sell? I breakdown previous market highs and lows and review the makeup of the DOW vs the S&P 500. What two factors generally hurt large cap companies, but have caused small and mid cap stocks to rally the past 13+ days? Other topics include:

• Investing in international stocks despite Trump trade agreement scares
• Lower taxes and the growing concern regarding under-funded state pensions may affect the attractiveness of tax free municipal bonds
• Long term care insurance options
• ‘Tis the season for making the most out your donations. Gifting appreciated stock to charities and other strategies to consider as the holidays roll in
• IRA’s –What you can and can’t do now and what strategies are likely to change 

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

Interest rates have jumped since the elections, which means it’s time to review the bond choices in your 401k. But what are your options if your 401k choices are awful? I explain how you may have the ability to create a Fidelity BrokerageLink account inside your 401k or do an in-service 401k rollover. How are REITs being affected in today’s market? Other topics include:

• What is the best corporation to form to reduce taxes when you have no other employees?
• Tax saving strategies and other reasons to meet with your CPA before year end.
• Which dividend stocks would I buy and hold forever?
• Investing in the stable value fund of your 401k when receiving RMDs

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

Should fear keep you hiding behind “safe” companies? Rob Black reminds us to plan with these financial golden rules in mind and cut down on mistakes. Do not become another person who regrets not planning their retirement early enough. Other topics include:

• Dealing with disagreeable markets
• Interest rates, taxes and more –Can you truly afford a home?
• How your career translates to your retirement
• Budgeting your way to retirement

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.

Thanksgiving Encore

Today the DOW closed above 19,000 –Is now the time to sell? I breakdown previous market highs and lows and review the makeup of the DOW vs the S&P 500. What two factors generally hurt large cap companies, but have caused small and mid cap stocks to rally the past 13+ days? Other topics include:

• Investing in international stocks despite Trump trade agreement scares
• Lower taxes and the growing concern regarding under-funded state pensions may affect the attractiveness of tax free municipal bonds
• Long term care insurance options
• ‘Tis the season for making the most out your donations. Gifting appreciated stock to charities and other strategies to consider as the holidays roll in
• IRA’s –What you can and can’t do now and what strategies are likely to change 

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.

Interest rates have jumped since the elections, which means it’s time to review the bond choices in your 401k. But what are your options if your 401k choices are awful? I explain how you may have the ability to create a Fidelity BrokerageLink account inside your 401k or do an in-service 401k rollover. How are REITs being affected in today’s market? Other topics include:

• What is the best corporation to form to reduce taxes when you have no other employees?
• Tax saving strategies and other reasons to meet with your CPA before year end.
• Which dividend stocks would I buy and hold forever?
• Investing in the stable value fund of your 401k when receiving RMDs

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.

Where has the stock market taken us since Black Monday in 1987, almost 30 years ago? Rob Black looks back at what we have gotten from corrections and why your 401k among other investments make for a long term game. Other topics include:

• Fixing social security
• Value Line –Investment research firm that provides data on individual stocks
• Reevaluating your insurances
• The next economic downturn

There's still time to sign up for the Retirement and Wealth Planning Seminar tonight at the Elks Lodge in Palo Alto. Admission is only $5. 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

Paul Ryan is reconfirmed as Speaker of the House, but has a drastically different outlook on trade than Donald Trump. How will trade agreements and emerging markets be attacked in the future? I also provide a quick rundown of what will be discussed at this Thursday’s 10 Pillars of Retirement seminars such as fighting IRA traps. Our Wealth Management provides more details on how to set up and balance portfolios in a way that manages your risk and downside. Other topics include:

• How Trump might change retirement for Americans
• Junk bond ETF’s and my fears of liquidity
• Post-election markets that are getting hit hard

Join Rob Black and I at one of our retirement workshops at the Elks Lodge in Palo Alto this Thursday. Admission is only $5 to learn about current market conditions, retirement planning issues and estate planning strategies. 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.

The market has taken some interesting ups and downs since the elections. Even though the DOW is at all-time highs I breakdown sectors that have gained v. those that have declined. I answer the one question you’ve probably been asking yourself “Do I need to change my portfolio based on a Trump presidency?” Other topics include:

• 8 Things you should do before the end of the year; even with Donald Trump as the new President
• The dangers of using public Wi-Fi and the correct way to send financial information to your mortgage broker
• Top rated 529 College-Savings Plans by Morningstar

Join Rob Black and I at one of our retirement workshops at the Elks Lodge in Palo Alto this Thursday. Admission is only $5 to learn about current market conditions, retirement planning issues and estate planning strategies. 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.

Emotions are running high around the country since Donald Trump has beaten Hillary Clinton in the White House race. Rob Black attempts to calm the waters by looking at other Presidents who were supposed to destroy the country and what the middle-right could bring to the table. Other topics include:

• 4th quarter volatility and sectors that are likely to experience economic in 2017
• Not getting sucked into holiday debt
• A listener going through a divorce asks if he should refinance his adjustable rate mortgage
• Should we expect a market collapse now that Trump is president?

Join Rob Black and I at one of our next retirement workshops at the Elks Lodge in Palo Alto. Admission is only $5 to learn about current market conditions, retirement planning issues and estate planning strategies. 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.

What will happen to the market tomorrow when the election is over? Candidates need to step up and address the big tax issues that are keeping our nation back. Other topics include:

• Recent revenue and healthcare growth -Can it continue?
• How do you take the emotion out of investing and avoid mistakes?
• Long term view of the market and your financial planning process
• 18 Reasons Americans Are Afraid to Retire

Join Rob Black and I at one of our next retirement workshops at the Elks Lodge in Palo Alto. Admission is only $5 to learn about current market conditions, retirement planning issues and estate planning strategies. 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.

Holiday season is around the corner and the kids will be coming home. Take advantage of this time to do more than just catch up, educate them about money mistakes to avoid and help set them on the path to proper saving. The Department of Justice rolls out new rules trying to get bad annuities out of the 401k rollovers market all while pushing indexing and ETF investments instead. Other topics include:

• Harry calls in asking how his daughter should be setting up her 403B
• Peter (36) owns two life insurance policies and wonders if this is too much. What else does he need to consider when he reviews his insurance?
• The FBI won’t charge Hillary Clinton and the market responds. Will a Trump or Hillary win really matter in the long run?

Join Rob Black and I at one of our next retirement workshops at the Elks Lodge in Palo Alto. Admission is only $5 to learn about current market conditions, retirement planning issues and estate planning strategies. 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.

Should fear keep you hiding behind “safe” companies? Rob Black reminds us to plan with these financial golden rules in mind and cut down on mistakes. Do not become another person who regrets not planning their retirement early enough. Other topics include:

• Dealing with disagreeable markets
• Interest rates, taxes and more –Can you truly afford a home?
• How your career translates to your retirement
• Budgeting your way to retirement

Join Rob Black and I at one of our next retirement workshops at the Elks Lodge in Palo Alto. Admission is only $5 to learn about current market conditions, retirement planning issues and estate planning strategies. 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.

United Way used to be the largest charity in the United States. That honor now belongs to Fidelity Charitable who is changing the way Americans give with the use of tax-friendly donor-advised funds. What is the best way to gift appreciated stock? Other topics include:

• Where should your allocate your 3 years of safe money?
• Using your IRA Required Minimum Distribution to make a gift to charity
• Reducing 401k fees within your businesses
• More nightmarish investing mistakes

Join Rob Black and I at one of our next retirement workshops at the Elks Lodge in Palo Alto. Admission is only $5 to learn about current market conditions, retirement planning issues and estate planning strategies. 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.

There’s more than spooks and ghouls out there on Halloween, some investing problems are more than spine-chilling; they’re outright nightmares that stay with you. Gather round as I share tales about people who have found their retirement haunted by fearful and greedy investing only to realize too late their decisions have had them come back to bite them in the neck. Make sure you don’t spend the rest of your life sleeping in a haunted house just because you chose to follow some financial ghoul to a poor retirement.

Join Rob Black and I at one of our next retirement workshops at the Elks Lodge in Palo Alto. Admission is only $5 to learn about current market conditions, retirement planning issues and estate planning strategies. 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.

Where has the stock market taken us since Black Monday in 1987, almost 30 years ago? Rob Black looks back at what we have gotten from corrections and why your 401k among other investments make for a long term game. Other topics include:

• Fixing social security
• Value Line –Investment research firm that provides data on individual stocks
• Reevaluating your insurances
• The next economic downturn

Join Rob Black and I at one of our next retirement workshops at the Elks Lodge in Palo Alto. Admission is only $5 to learn about current market conditions, retirement planning issues and estate planning strategies. 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.

Stocks, bonds and real estate are up, but low rates are presenting significant issues for retirees. I explain the Monte Carlo simulation technique used to understand risk of failure and dissect retirement income strategies that may get you through a low rate environment. Other topics include:

• Considering HSA plans
• I present different scenarios to a listener concerned about his fathers’ reverse mortgage strategy
• IRS scams, cyber security and password protection
• Using reverse mortgages in a retirement plan
• Email asking which stocks I own

Register for the Quickbooks Connect event where Rob Black and I will be speaking. Use the password: connect to save 50% on the registration fee!

Join Rob Black and I at one of our next retirement workshops at the Elks Lodge in Palo Alto. Admission is only $5 to learn about current market conditions, retirement planning issues and estate planning strategies. 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

Failed marriages among people over 50 doubled from 1990 to 2010, could this be why 1 in 5 Americans are working past retirement age? Turns out these are just a few of many horrible stats linking divorce and unsuccessful retirements. Educating yourself about keeping inherited or gifted assets separate while married may be in your best interest. Other topics include:

• Gray and collaborative divorce- What can women do to ensure a comfortable retirement?
• Life insurance strategies, because open enrollment at work may not be the best place to buy this November
• Next year’s cost of living adjustment to be lowest ever for Social Security
• Are hybrid equity indexed annuities with income guarantees a good idea?

Register for the Quickbooks Connect event where Rob Black and I will be speaking. Use the password: connect to save 50% on the registration fee!

Join Rob Black and I at one of our next retirement workshops at the Elks Lodge in Palo Alto. Admission is only $5 to learn about current market conditions, retirement planning issues and estate planning strategies. 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

Rob Black and I don’t depend on big name companies for a retirement plan; we created our own businesses and did it for ourselves. Most people don’t know business owners need to make 25-30% more money just to break even when transitioning from owner to employee. They often end up doing double the work without receiving double the pay because they failed to have a business plan in place. Other topics include:

• Personal disability insurance and overhead disability insurance –which can you write off?
• Succession plans
• Owning a diversified portfolio not related to your industry
• Investment mistakes –putting away money pretax, creating liquidity and funding the correct retirement plan
• Investing tax efficiently
• Insurance agents who pitch investment plans
• Obligations HR must enforce

Register for the Quickbooks Connect event where Rob Black and I will be speaking. Use the password: Connect to save 50% on the registration fee!

Join Rob Black and I at one of our next retirement workshops at the Elks Lodge in Palo Alto. Admission is only $5 to learn about current market conditions, retirement planning issues and estate planning strategies. 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.

Where has the stock market taken us since Black Monday in 1987, almost 30 years ago? Rob Black looks back at what we have gotten from corrections and why your 401k among other investments make for a long term game. Other topics include:

• Fixing social security
• Value Line –Investment research firm that provides data on individual stocks
• Reevaluating your insurances
• The next economic downturn

Join Rob Black and I at one of our next retirement workshops at the Elks Lodge in Palo Alto. Admission is only $5 to learn about current market conditions, retirement planning issues and estate planning strategies. 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.

Failed marriages among people over 50 doubled from 1990 to 2010, could this be why 1 in 5 Americans are working past retirement age? Turns out these are just a few of many horrible stats linking divorce and unsuccessful retirements. Educating yourself about keeping inherited or gifted assets separate while married may be in your best interest. Other topics include:

• Gray and collaborative divorce- What can women do to ensure a comfortable retirement?
• Life insurance strategies, because open enrollment at work may not be the best place to buy this November
• Next year’s cost of living adjustment to be lowest ever for Social Security
• Are hybrid equity indexed annuities with income guarantees a good idea?

Join Rob Black and I at one of our next retirement workshops at the Elks Lodge in Palo Alto. Admission is only $5 to learn about current market conditions, retirement planning issues and estate planning strategies. 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.

Netflix smashes earnings expectations, but the final presidential debate and Wikileaks continue to drive the news. Will we face a market correction depending on the elections outcome? Fear is pushing people into investing mistakes such as raising cash and not investing it and using potential rate increases or low expected returns as an excuse to avoid investing. Other topics include:

• VIX Index- Is it wise to by the volatility index going into the elections to hedge against volatility?
• Who is taking social security and when? How are people affecting their benefits?
• Business owners and retirement planning- What do they need to know? What do they need to do?
• Can CFP’s offer investments that others can’t?

Join Rob Black and I at one of our next retirement workshops at the Elks Lodge in Palo Alto. Admission is only $5 to learn about current market conditions, retirement planning issues and estate planning strategies. 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.

There are countless ways to create wealth, but there are some concepts you should be wary of. Rob Black warns us against annuities with high commission costs and provides several reasons why purchasing foreclosed properties are rarely the deal you hope them to be. Other topics include:

• Clothing resale websites
• Financial regrets and mistakes
• Healthcare in retirement
• Taking the worst case scenario mentality to financial planning
• Positives to responsible credit card use

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.

What will happen to your elderly, ailing parent who doesn’t have an estate plan in place? Is a TOD designation enough to avoid probate courts? Why does your parent need a trust with a health care directive and durable power of attorney? What do I need to do after my parent passes away? Other topics include:

• Getting your financial and digital assets in place for your surviving spouse
• Steven in San Leandro calls in to discuss long term care insurance policies
• Wells Fargo investment accounts and Y-shares
• Different levels of diversification

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.

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.

Encore edition

Stocks, bonds and real estate are up, but low rates are presenting significant issues for retirees. I explain the Monte Carlo simulation technique used to understand risk of failure and dissect retirement income strategies that may get you through a low rate environment. Other topics include:

• Considering HSA plans
• I present different scenarios to a listener concerned about his fathers’ reverse mortgage strategy
• IRS scams, cyber security and password protection
• Using reverse mortgages in a retirement plan
• Email asking which stocks I own

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.

Does it really matter who wins the presidential election? Both candidates have major faults that are causing uncertainty, but which two groups of voters bear the most risk going into the election and what should their plan be? Other topics include:

• Donald Trump taking advantage of NOLs (Net Operating Loss), one of our major tax code flaws
• An article about overseas values and global asset allocations
• Taxable investment accounts vs. 529 plans
• How to save for a college education and other college costs

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.

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.

Rob Black sits in and talks about some of this quarters biggest headlines including Stanley Fischer’s comments on productivity, growth and rates, Apple owing €13 billion in taxes to Ireland, crude oil, Walmart buying Jet and an ISIS leader reportedly killed in Syria. Other topics include:

• Retirement expenses to plan for now that people are living longer
• Retirement seminar insights
• A poll about biggest financial regrets
• Story investing and other bad financial decisions

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.

Is a new tax code on the horizon? I discuss the US Treasury Departments’ proposal to eliminate a strategy that allows business owners to reduce estate and gift taxes for their heirs. I also discuss S&P 500’s above average revenue and earnings performance even though 5 sectors report year over year declines and Japan’s flattened GDP issues which are worse than ours. Other topics include:

• Solutions to excessive 401k fees
• passive vs. active managed funds
• New parent Joe asks if I recommend a New York or Utah 529 plan
• Warning against variable annuities with surrender charge

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

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

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

I express my frustration over parents who sacrifice their retirement plan due to college costs and the lack of wage inflation among the middle class. I then talk about the American Opportunity Tax Credit which can shave $10,000 off the cost of a college education, explaining where to find more information and who is eligible. Other topics include:

• Fatal flaws that caused the death of traditional retirement planning
• Listener Charles emails regarding a misleading annuity offer assuming a 5.2% rate of return
• How to avoid taxes on social security
• Dividend achiever stocks
• Insurance mistakes

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.

Is any job safe? Today Rob Black learns about a robot that makes sushi and wonders how automation will affect jobs in the future. He also discusses perks to using credit cards over debit cards in several situations and why he carries 3-4 different cards. Other topics include:

• Beneficial investing and saving apps
• Unqualified people in the insurance industry
• What should your asset allocation be when planning for retirement?
• Peer to peer lending

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.

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.

Is a new tax code on the horizon? I discuss the US Treasury Departments’ proposal to eliminate a strategy that allows business owners to reduce estate and gift taxes for their heirs. I also discuss S&P 500’s above average revenue and earnings performance even though 5 sectors report year over year declines and Japan’s flattened GDP issues which are worse than ours. Other topics include:

• Solutions to excessive 401k fees
• passive vs. active managed funds
• New parent Joe asks if I recommend a New York or Utah 529 plan
• Warning against variable annuities with surrender charge

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.

If you can't afford to lose something, then consider insuring it. Chad Burton, CFP^®, and Rob Black discuss a range of policy types, from gap to key man, and why they might apply to you.

Estate planning has seen some major changes over the last 20 years. I cover the top ways to tell if you have an estate planning problem and ways to avoid family destruction from poor planning.  Are online will and trust services a good idea?  Is a trust the only way to avoid probate? What is a Transfer On Death Deed?

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.

Could we see a rate hike this December? Today I dissect Professor Jeremy Siegel’s comments on how strong employment and wage numbers could keep December in play for a rate hike. I also take a look at the market new which includes ugly trade numbers from China , Walmart buying Jet.com and the FTC focusing on better regulations for celebrities being involved with social media advertisements. Other topics include:

• Baby boomers turning 70 ½. What is the best way to begin taking required minimum distributions and how will this affect the economy?
• A survey that connects debt and millennial investing reluctance
• Managing TSP accounts
• A loose guide for millennials to begin investing

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.

Rob Black steps in again and begins today’s show by explaining why you should invest in term life insurance instead of variable or whole life insurances. He then discusses multiple tactics that get you to retirement including using budgeting sites like Mint or Nerd Wallet and not wasting college money on useless degrees.  He also tells the story of how he and I met to explain what a CFP gets you that books won’t before wrapping up with some important tips he feels everybody should follow.

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.

The markets pulled back in earnings today, but companies are still beating overall expectations. Today I look at some of the negatives hurting the market which includes stock buybacks and Donald Trump’s remarks on investing. Are we starting to see signs of inflation and where is it coming from? I then discuss Social security claiming strategies and their risks. I also respond to several listener emails:

• Sue owns several shares of LinkedIn and asks how to deal with taxes
• Brett asks if government employee pensions are taxed if you move to a income tax free state
• Rameesh wants to know if index funds or ETF’s are better
• Sherry asks what is my recommended contribution breakdown for traditional and Roth 401ks

To learn more about Wake the World, get involved by clicking HERE to donate or volunteer.

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.

Encore Edition

Rob Black and I get geared up for tonight’s 10 Pillars of Retirement seminar at Double Tree by Hilton in Burlingame. If you’re planning on retiring within the next 10 years Rob Black, Michelle Lerman and I will focus on retirement and estate planning issues that increase your chances for an ideal retirement. Topics for today’s show include:

• Financial planning process to create a retirement plan
• Transitioning into retirement
• What does retirement truly cost?
• Major changes to retirement planning
• The market’s effect on retirees
• Tonight’s 10 Pillars agenda

There's still time to sign up for tonight's 10 Pillars of Retirement Income Planning seminar at Double Tree by Hilton in Burlingame. The seminar begins at 6:30 p.m. and 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.

Today I reminisce about my 23 years as a Certified Financial Planner by talking about the top 10 retirement issues I will be discussing at our event this Thursday. I review current day retirement problems and explain solutions. I cover a chart that shows individuals net worth as a percentage of income and explain the correlation with taking too much risk. Harry from Castro Valley calls in to ask about social security spousal benefits and when he should ‘turn on the tap’. I also discuss the best cities to retire overseas.

10 Pillars of Retirement Income Planning (free entry code special 10 Pillars)
https://www.facebook.com/events/660713474082700/

Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar this Thursday, July 28th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. 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.

Rob Black and I are in studio together for a full hour of sharing stories that directly relate to our 10 Pillars of Retirement seminar this Thursday in Burlingame. We also cover other problems such as expensive college costs, financial success becoming more difficult with more jobs becoming automated, approaching Brexit-like changes to your retirement plan and emergency planning.

Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar this Thursday, July 28th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. 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.

The market has posted lots of record highs lately, but what has bought us here? Rob Black takes a look at defensive stocks (telecom, utilities and healthcare) which did well today and why the losers (materials, industrials and energy) are causing a little fear in the market. Other topics include:

• Tesla’s plan to expand into pickup trucks, SUVs’ and more
• Southwest and other airlines losing pricing power
• Starbucks missing expectations
• Elections impacting the economy
• Weakening transportation index
• Healthcare stocks
• Simplified investing though demographic marketing
• Apple to make $2 Billion from Pokemon GO

Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar on Thursday, July 28th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. 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.

With our 10 Pillars of Retirement seminar approaching, I go the opposite route and share the Top 10 retirement planning mistakes I see and which factors don’t get taken into consideration. Later on I respond to two real estate related emails. Tim asks if he should buy a vacation rental property as an investment while another listener wants to make a down payment on a duplex using their IRA and a loan. I also discuss several ways to save when gifting money to others or making donations.

Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar on Thursday, July 28th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. 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.

Brexit was supposed to destroy the economy, so why have stocks and bonds rallied the past three weeks and why have earnings fallen since last year? I also talk about emerging market stocks and three reasons to stay globally diversified. Other topics include:

• REIT’s causing volatility between the S&P 500’s new real estate sector and the financial sector
• A story that shows how the MediCal and Medicaid programs are hurting our nation
• Flaws in an article about improving retirement
• Next week’s 10 Pillars of Retirement seminar in Burlingame

Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar on Thursday, July 28th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. 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.

Rob Black sits in and gives us the big picture look of today’s economy. Markets are at all time highs despite Brexit, highs and lows in oil supply and other major scares that were supposed to destroy the economy. He also discusses Amazon Prime day as the biggest shopping day, Britain’s Post-Brexit economy, the market showing more faith in staples over technology, Donald Trump closing the gap on Hillary Clinton, Japan’s new messaging app Line, Netflix and HBO GO- Is content king or is streaming, the 10 Pillars of Retirement Seminar and social security mistakes, augmented reality technology, Warren Buffet’s comments on interest rates causing irrational competition and more.

Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar on Thursday, July 28th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. 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.

Low interest rates have pushed a lot of investors into chasing yield. Chad Burton, CFP^®, and Rob Black discuss the risks that investors might not even be aware of.

Commercial-Free

Want to build a financial base? You should accumulate assets, not liabilities. Sounds simple, but some people get confused by the difference. Chad Burton, CFP^®, and Rob Black discuss this and other steps on the road to wealth.

Commercial-Free

Today I talk about ways people are destroying their retirement plan and a very real situation where people in their 30-40’s are desperate to own a home now so they are robbing their 401k’s and not maintaining an emergency reserve for home repairs or disability. Other topics include:

• Tax shocks same-sex married couples are now dealing with
• Rob Black and I guess where real estate will be in a year after Brexit and an improbable rate hike
• Market valuations
• ABLE Act plans- How to not damage your disabled family members plan

Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar on Thursday, July 28th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. 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.

Choosing a financial planner means finding a person you trust with your most personal and sensitive information. Today I share a list of information and concerns you need to share with your financial planning team upon the first meeting. I then give a quick overview of what Rob Black, Michelle Lerman and I will be discussing at this month’s Retirement Seminar in Burlingame and explain the Health Savings Accounts article available on our blog. I also discuss simple steps to decrease your estate costs and IRA vs. Roth IRA- Which is better?

Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar on Thursday, July 28th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. 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.

Start ups could be killing Silicon Valley, literally. Kym sits down with Dr. Aaron Blackledge, Care Practice CEO and healthcare entrepreneur, for a sincere discussion about mental health trends that are not receiving enough attention. Dr. Blackledge shares his story about the Practice Fusion privacy breaches and doctors entering the tech world to right wrongs made by well meaning entrepreneurs with no medical background. He then gets into some specifics about the narcissistic personality disorders that are more common around Silicon Valley, the hazards of societal imbalances as well as the dangers of entrepreneurs turning towards hallucinogens for their next big idea. They also get some insight from Dr. Tayo Hendrix about getting patients into the office, accept treatments and create balance in their lives.

Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar on Thursday, July 28th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. Registration is only $5 so click HERE to sign up!

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.

Will the feds ever raise rates in a  post-Brexit world? Today I discuss global market news such as Brexit and odd outcomes of elections around the world. I also cover comments from Prof. Jeremy Siegel on what could cause earning to rise by year end. Other topics include:

• Lack of end of life planning discussions with family
• Helping your elderly parents with MediCal planning when expensive nursing homes are involved
• Long term risks of being a stay at home parent
• An undergrad student wonders if they should pay down existing student debt or begin investing?

Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar on Thursday, July 28th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. 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.

I put the actual market movement pre and post Brexit into perspective. Is it really as bad as the new makes it sound? Will there be value in US small and mid caps? I then discuss possible plans of action now that the Feds are unlikely to raise rates at all this year. Also discussed today:

• How Trump and Bernie mirror the Brexit situation and why this is a call to politicians to fix the tax code.
• What not to do right now with your portfolio
• Creative travel planning in retirement
• Elizabeth Warrens’ proposed  “lost and found” retirement savings plan

Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar on Thursday, July 28th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. 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.

July 4th encore edition

Kym hosts today’s show from the World Cable Congress in Poland where cable operators from around the world are gathering to discuss the future of cable. She will be joined by Phil McKinney CEO of CableLabs which does research and development for the entire cable industry. Kym will find out from Phil about some of the hot topics being discussed by cable operators at the conference which includes:

• Improving the roles of broadband and Wi-Fi
• The top 5 startups from the Innovation Showcase

1. Samba TV, a cross platform media and analytics company that provides real time understanding of viewership data collection.
2. Deep.BI which provides cable companies with necessary consumer behavior and analysis to determine what consumers want
3. 4Screens which makes interactive content marketing.
4. NFWare which develops the world’s fastest virtual IP routing for carriers
5. Plume which has reinvented wi-fi using pods that plug into different rooms and replaces your router.

• Future innovators from CoderDojo, a popular European program that teaches children how to code
• Rebecca Arbogasts’ announcement about Comcast’s 2016 Olympics viewing strategy.

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)

 Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar on Thursday, July 28th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. 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.

This week Kym chats with Mark Goldstein and Kristen Koh Goldstein, serial entrepreneurs and parents living in Marin County. Over the course of the hour Kym will talk with Mark and Kristen about the several companies they have started jointly and separately including Loyalty Lab, Bad Ass Advisors, Scalus, Tipco and Hire Athena. Also in discussion today:

• What is it like working together as husband and wife as well as work partners?
• Having multiple companies that work together
• Balancing raising their three children with being serial entrepreneurs and investors
• Kristen and Mark’s individual career paths
• Greatest adversities entrepreneurs face in creating successful businesses

Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar on Thursday, July 28th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. Registration is only $5 so click HERE to sign up!

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.

Encore edition

The market looks set to remain rather unimpressive this quarter despite today’s jump thanks to Brexit related uncertainty. Brits are now grasping what they’ve voted for now that there are calls for a second vote and articles circulating such as Is Brexit Really As Distruptive As We Think or 4 Things That Have To Happen [now that the UK has left the European Union]. Other topics discussed today include:

• ThinkAdvisors’ 5 Challenges facing the next wave of retirees article
• “Crazy” Credit Cards for the Filthy Rich
• Protecting your debit card from identity theft
• Insurance issues small businesses often forget
• Maximizing your childs 529 plan
• Roth IRA conversions after retirement as part of distribution planning

Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar on Thursday, July 28th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. 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.

I put the actual market movement pre and post Brexit into perspective. Is it really as bad as the new makes it sound? Will there be value in US small and mid caps? I then discuss possible plans of action now that the Feds are unlikely to raise rates at all this year. Also discussed today:

• How Trump and Bernie mirror the Brexit situation and why this is a call to politicians to fix the tax code.
• What not to do right now with your portfolio
• Creative travel planning in retirement
• Elizabeth Warrens’ proposed  “lost and found” retirement savings plan

Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar on Thursday, July 28th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. 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.

As NASCAR gets ready to take on the Sonoma Raceway this weekend, Kym and special co-host Kyle Ellicott dedicate an entire show to the world’s largest spectator sport. Today’s lineup includes:

• Sonoma Raceway’s President, Steve Page who talks about NASCAR’s effort to reduce their carbon footprint with a 15% ethanol blend and the new Fan Zone app features. Kym and Kyle then talk with
• Joe Gibbs Racing Athletic Director, Michael Lepp talks about the biometrics used on Kyle Busch after taking a crash at 120mph, head on. Michael also explains why pit crews are considered athletes, addresses how sweat and sleep monitors help keep track of recoveries and predicts injuries and draws correlations between heart rate and success for drivers and pit crews using real time data.
• 1-800 RPM’s Founder and racecar driver Thomas Chan tells us about his company and his device that monitors real time data and makes it easy for drivers to compare.

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) 

Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar on Thursday, July 28th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. 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.

Today I go through important yet basic estate planning documents including wills, living trusts, health care directives and durable power of attorney. I also explain how living trusts negate expensive probate costs among other benefits while addressing several common questions:

• Which estates need probates
• Generation skipping trusts
• How to create a living trust and what should be under the name
• Pour-over will
• Common trust mistakes such as not taking care of your digital assets
• Advanced estate planning ideas

Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar on Thursday, July 28th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. 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.

Should I stay or should I go is the theme song for the stock market thanks to Brexit polls flip flopping over the weekend. I then explain how the US economy and the Euro would suffer from Brexit, and why retirees would suffer the most with even lower rates on fixed income. Other topics today include:

• Backdoor Roth IRA’s
• Constant systematic savings being the key to a successful retirement
• A Morningstar article about securing retirement success for women
• Using a reverse mortgage in your retirement plan
• What investors should not do

Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar on Thursday, July 28th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. 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.

This week Kym chats with Mark Goldstein and Kristen Koh Goldstein, serial entrepreneurs and parents living in Marin County. Over the course of the hour Kym will talk with Mark and Kristen about the several companies they have started jointly and separately including Loyalty Lab, Bad Ass Advisors, Scalus, Tipco and Hire Athena. Also in discussion today:

• What is it like working together as husband and wife as well as work partners?
• Having multiple companies that work together
• Balancing raising their three children with being serial entrepreneurs and investors
• Kristen and Mark’s individual career paths
• Greatest adversities entrepreneurs face in creating successful businesses

There's still time to sign up for tonight's 10 Pillars of Retirement Income Planning seminar at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. Registration is only $5 so click HERE to sign up!

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 open today’s show by giving my take on how MSCI deciding against the inclusion of mainland shares in the Chinese index, a potential bond trap stemming from Brexit and some positive light on extremely volatile mortgage REITs among other Wall Street stories affect your portfolio. Yesterday’s discussion about Roth IRA conversions comes up again while responding to a couple questions about Roth conversions in kind and converting from a 401k to spread out taxes. James from Piedmont calls with some concern about the future of telecom and utilities P/E rates. Other topics today include:

• Indexed life insurance presenting a prime example of why better regulations for financial advisors are needed
• Umbrella insurance
• The proper way to title a home in California
• How to buy insurance on a stock portfolio without constantly buying Puts
• What to do with safe money when you choose to work past retirement age

There's still time to sign up for this Thursdays 10 Pillars of Retirement Income Planning seminar at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. Registration is only $5 so click HERE to sign up or email me for the free code to get in!

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.

This podcast will cover the 10 key items you MUST review before retiring!  We will be covering these items this Thursday in Burlingame, CA.  Sign u�p at www.ChadBurton.com. On today’s show I also cover the four different phases of portfolio rebalancing, how taking social security early can screw up your Obama Care, the importance of tracking your non-deductible IRA contributions and a few untraditional reasons to convert your IRA to a Roth.

Sign up for this Thursdays 10 Pillars of Retirement Income Planning seminar at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. 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.

The Internet offers a world of tools that can help you increase your savings. Chad Burton, CFP^®, and Rob Black discuss everything from credit cards to websites that could help get you closer to retirement.

Commercial-Free

A living trust is supposed to save your family from paying excessive taxes after you pass. But if you have a trust made before 2012 that you haven't reviewed, beware! Chad Burton, CFP^®, and Rob Black discuss why out-of-date trusts could end up costing your heirs even more.

Commercial-Free

This week Kym meets with cardiovascular pioneer, Dr. John Simpson, at the New Cardiovascular Horizons conference in New Orleans. Kym and Dr. Simpson will be discussing how to treat patients with cardiovascular disease which includes:

• What his devices do to unclog arteries
• Andres Gruentzig and the first angioplasty
• Developing a simpler balloon catheter in the den with his father
• Several companies Dr. Simpson has created, including what he is currently doing with Avinger
• Avoiding amputations

Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar on Thursday, June 16th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. Registration is only $5 so click HERE to sign up!

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.

Most Americans live without a detailed budget set in place; I go over several retirement expenses that are often overlooked or underestimated yet hold a major impact on your retirement. Why do we need the feds to raise rates this year? Do we see signs of inflation? According to the US Department of Health and Human Services, 70% Americans 65+ will need some form of extended care, how do you plan for this possibility? I then discuss a Bankrate survey that says most Americans have financial regrets. I also explain the correct way to loan money to your children for a down payment.

Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar on Thursday, June 16th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. 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.

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.

Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar on Thursday, June 16th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. 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.

Ecnore edition

As Americans continue to work longer hours time for activities diminishes along with everything else, and cooking falls pretty low on the priority list. This week Kym talks with several CEO’s and investors who are taking advantage by bringing healthy meals to you.

First in studio is Methodology CEO, Julie Nguyen, who share how her previously unhealthy lifestyle led to the creation of a business that cooks meals and delivers to your doorstep.

Kym then calls up Bento CEO, Jason Demant, who tells us what he learned from similar business SpoonRocket and how he tweaked the ordering format so his Asian cuisine stands a better chance at success.

Munchery co-founder, Tri-Tran, discusses how he is competing with the already popular Blue Apron.

Sprig investors Justin Waldron and Amitt Mahajan call in to talk about what drew Justin to Sprig when he is the co-founder of Zynga gaming. Farmville co-founder Amitt talks about the evolution of food delivery with drones.

Kym also talks with Gagan Biyani, Sprig CEO and Julie’s biggest competitor, who explains why people would choose Sprig over their favorite restaurant that delivers and the future of this market.

Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar on Thursday, June 16th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. Registration is only $5 so click HERE to sign up!

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.

Encore edition

Today I explain asset classes and what will happen to REIT’s when the S&P 500 adds real estate as a sector this September. I also discuss the probable rate hike from the feds and why we could see some volatility if they don’t. Other topics today include:

• How to continue charitable donations after death
• What to do when you only have bad 401k choices

Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar on Thursday, June 16th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. 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.

I kick off today’s show by explaining how a rate hike would affect bonds and other accounts after Lisa asks if she should go all in on floating-rate funds. I then read through several rate hike headlines that are more likely to cause panic instead of helping your portfolio. Other topics for today include:

• How to protect yourself from phishing
• A stupid commercial that flat out lies about the volatility of gold
• Social Security and survivor benefits

Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar on Thursday, June 16th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. 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