Joining Kym this week is Ra Medical Co-Founder and CEO, Dean Irwin, who is harnessing the power of the sun to create medical breakthroughs. At the top of the show Dean tells Kym about how he created the excimer laser with the initial purpose of clearing arterial blockages, but eventually tailored it to be used for Lasik surgeries and dermatology. Kym then asks Dean to explain Ra Medicals’ newest medical breakthrough, the DABRA system, which was recently approved for testing to remove arterial blockages from patients. Dean also explains several ways the DABRA system flat out beats the mechanical systems currently in use and how he is getting DABRA into the hands of doctors today.

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.

What qualifies as a successful retirement? I explain why it’s more than not being reliant on fixed amounts. I then take a look at living trusts and life insurance issues by discussing bypass trusts, by leaving an IRA to your kids, the Department of Labor rule that prevents sales of bad financial products and why life insurance sales are decreasing.

I also respond to a couple of listener emails. One couple asks what they should do with their assets when they don’t trust anyone to sell or donate them after their death. Another couple has a family revocable living trust are unsure who to label as the beneficiary of their IRA accounts.

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

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 is looking at how the largest manmade platform in history is changing the world. Co-Founder and Managing Partner of Relay Ventures Kevin Talbot will tell Kym about his book, Strictly Mobile, and the defining themes that work around mobile. He then explains several key trends that are making modern world exciting. We also hear from three Strictly Mobile Co-Authors:

• Bill Mark explains the use of artificial intelligence while
• Paola Santana discusses game changing applications for autonomous drones.
• Aditya Khurjekar discusses new secure ways to make payments

There's still time to register tonight's 6:30 p.m. seminar at Four Points by Sheraton San Jose Airport where Rob Black and I will explain how to build a retirement portfolio that lasts. 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 about our upcoming seminar this Thursday at Four Points by Sheraton San Jose Airport where Rob Black and I will explain how to build a retirement portfolio that lasts. 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 the 7.1% decline of blended earnings for the first quarter of 2016, citing a drop of 107% in the energy sector alone as a major contributor. I also explain why the volatility of oil prices may not be over even though there has been supply interruptions. Jeffrey Gundlach weighs in on the Presidential campaign by discussing the possibility of Donald Trump increasing the budget deficit while producing short term economic gain. This spurs a discussion about global debt issues, rate hikes and tackling US debt. I explain some repercussions to “no-brainer” social security fixes and the ONLY two instances where immediate annuities are a good idea. I also share some alarming numbers from the Bureau of Labor and Statistics about people working past retirement age and how to avoid working after age 65.

Don't forget about our upcoming seminar this Thursday at Four Points by Sheraton San Jose Airport where Rob Black and I will explain how to build a retirement portfolio that lasts. 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 Kym McNicholas is joined by Match.Com Co-Founder, Fran Maier. At the top of the show Kym will ask Fran about the entrepreneurial journey that has led to her becoming named of the most influential women in the Bay Area business and the Top 25 Women in Tech. Fran then talks about the many different aspects of marketing and how she immediately saw world wide web as a revolution to marketing. She then tells us how the idea for Match.Com was conceived as an appealing alternative to sleazy personals and the decisions she made that has led to its success.

Later on Kym and Fran discuss the declining amount of women in computer related jobs since 1990 by drawing possible connections between marketing and the first home computers. Fran then addresses gender inequalities in the tech world which ultimately ended her time with Match.Com through lack of support. Fran and Kym also chat with John who believes online dating will shift to be more like social networking.

Don't forget about our upcoming seminar at Four Points by Sheraton San Jose Airport on May 19th where Rob Black and I will explain how to build a retirement portfolio that last. 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.

Today I start off by talking about a few products you need to know about when going into retirement explaining which are good and which you should avoid. I then explain changes to filing and suspending social security as the deadline approaches. I also discuss when and when not to rollover your 401k and avoiding estate planning nightmares.

Don't forget about our upcoming seminar at Four Points by Sheraton San Jose Airport on May 19th where Rob Black and I will explain how to build a retirement portfolio that last. 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 open today’s show by discussing the Bay Area’s growing housing crisis, explaining why it is not the same as the mortgage meltdown and pointing out where the problem really lies. I then provide a refresher course on risks of retirement and explain what asset allocation really means. I also talk about non-portfolio related situations to consider in retirement and discuss rebalancing difficulties both in retirement and while working.

Don't forget about our upcoming seminar at Four Points by Sheraton San Jose Airport on May 19th where Rob Black and I will explain how to build a retirement portfolio that lasts. 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

Term life insurance is the way to go. Chad Burton, CFP^®, and Rob Black discuss why and what to look for when shopping for a policy.

Commercial-Free

The rules of financial planning are different for singles and couples. Chad Burton, CFP^®, and Rob Black discuss the differences, plus the importance of prenuptial agreements and living trusts when you do get married.

Commercial-Free

Today Kym is joined by Supernatural actor, Travis Aaron Wade. Kym will start out by having Travis tell us about a trip to Mexico that gave him the urge to join the military fresh out of high school and the entrepreneurial spirit his parents instilled in him early in life. He then tells us about a common accident that led him to create a time released candle wick, and getting it purchased by a candle company. Kym also asks Travis about his t-shirt company, Arm The Animals, which helps animals in need as well as a dog shampoo company he is currently launching.

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

Rob opens today's show with several stories including one that shows just how expensive real estate in the Bay Area has become. He then relates this story to the oil crisis and explains how understanding supply and demand helps to understand investing. Other topics discussed today include:

• Being cautious of pushy investors and scammy techniques.
• Comparing stocks on Wall Street.
• Having a financial plan, especially when you are married or have children.
• Paying attention to your spending on fundamentals.
• How does the stock market currently resemble "Dad Bod"?

Don't forget about our upcoming seminar at Four Points by Sheraton San Jose Airport on May 19th where Rob Black and I will explain how to build a retirement portfolio that lasts. 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

A conversation I overheard bringsup a discussion about dealing with children who are bad withmoney,especially when it affects your estate plan. I thendiscuss leaving money in a living trust and naming atrustee. A Bloomberg article about American’s choosingto study abroad leads me to explain how 529 plans can be usedoutside of the US. Why you should take a trial run at retirement. Irespond to Dan’s question about where to keep safe money andprovide an interesting alternative to an FDIC. Bad rules of thumbfor retirement planning.

Don'tforget about our upcoming seminar at Four Points by SheratonSan Jose Airport on May 19th where Rob Black and I will explainhowto build a retirement portfolio that lasts. Registration isonly $5 so click HERE to sign up! 

Email your money question to chad@newfocusfinancial.com,or callthe show at 1-800-516-1220 from2:00-3:00p.m.(PDT)

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

Encore Edition

The era of cognitive computing is coming up, but just how are we teaching computers to think as we do? Kym calls up the General Manager of IBM’s Developer Ecosystem and startups, Sandy Carter, to find out. At the start of today’s show Sandy will tell us a bit about her successful career at IBM and how she has become a strong female presence in an otherwise male dominated field. Kym then asks about the differences between cognitive computing and traditional computing as well as differences between where humans and computers excel and why we need cognitive computing. During the latter half of the show Sandy will respond to questions from several startups including:

• Magnus Ivarsson from Game Reality asks about the use of AI cognitive computing in virtual games.
• Gier Christian Karlsen from AppsCo wants to know how we can use patterns and user behavior to add security to digital life.
• Faramarz Farhoodi from AquaThings asks which tools Sandy would recommend for knowledge based applications that use strong AI.
• Alexander gets sandy’s advice for applying AI technology to healthcare startups.
• Angelica White from ZIPPYAR questions the social impact this technology will have on future generations.
• Robert from Tally asks if IBM has any projects that will take advantage of the growing chatbot trend.
• Carlos Uraga from Erle Robotics is curious about how the interaction between robotics and IoT will play out.

Don't forget about our upcoming seminar at Four Points by Sheraton San Jose Airport on May 19th where Rob Black and I will explain how to build a retirement portfolio that lasts. 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.

Did Prince die without a will? I explain how the IRS views and handles estates that continue to make money after death like Michael Jackson and Elvis. I then move on to real estate in the Bay Area explaining the issue with all cash foreign buyers, lower tax benefits and the lack of millennial buyers who can afford home loans; all of which concern me. I also talk about rates of return and average market history and then transitioning from accumulation phase to distribution phase.

Don't forget about our upcoming seminar at Four Points by Sheraton San Jose Airport on May 19th where Rob Black and I will explain how to build a retirement portfolio that lasts. 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.

On today’s show I explain maximizing your income taxes through proper tax bracket management. This starts with making sure your IRA withdrawal and Roth conversion plans match your estate planning goals. You may want to take advantage of a Stretch Roth IRA or Stretch IRA in your estate plan. I then move on to other estate planning mistakes such as non-qualified annuities, creating a separate trust for younger or spendthrift children, not using IRA's to donate to charities and estate planning tips if you have saved $5.5 million or more.

Towards the end of the show I discuss what needs to be done after someone dies, from getting the estate tax ID number and death certificates to contacting social security and other professionals.

Don't forget about our upcoming seminar at Four Points by Sheraton San Jose Airport on May 19th where Rob Black and I will explain how to build a retirement portfolio that lasts. 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 Kym chats with Michael Levitt, a serial entrepreneur who has been involved with several well known companies. Kym will begin by finding out how Michael got into technology and how a job as a security guard led to a job with the Department of Defense. He then tells us why he got into coding and what he learned from his first failed startup company. We then learn how Amazon and the “silly technology scheme” inspired BlueLight.com and how he could have saved AOL during the broadband switch. Former Samsung Executive Steven Rahman calls in to talk about Silicon Valley’s tech bubble and what China is doing to help.

Don't forget about our upcoming seminar at Four Points by Sheraton San Jose Airport on May 19th where Rob Black and I will explain how to build a retirement portfolio that lasts. 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

I open today’s show by explaining how some people get swindled by financial advisors and how to spot an illegitimate advisor. I also discuss:

• Protecting your family and yourself from identity theft.
• Financial planning with elderly family members without overriding.
• An article linking giving to happiness in seniors and several options for you to do the same.
• I give Edward my opinion about investing in emerging markets.
• I also define and explain Dollar-Cost Averaging, No-Load funds and ETFs.

Don't forget about our upcoming seminar at Four Points by Sheraton San Jose Airport on May 19th where Rob Black and I will explain how to build a retirement portfolio that lasts. 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.

Annuities get a lot of bad press. Chad Burton, CFP^®, and Rob Black discuss the reasons why plus whether there’s ever a good reason to buy an annuity.

Commercial-Free

Estate planning attorney Michelle Lerman calls in and tells us about options for the new Transfer-On-Death Deed (TOD) and if a living trust is still the best option for leaving your home to an heir. She then walks us through the steps for setting up a TOD Deed and mentions several pros and cons. We also discuss the new California Law giving rights to the terminally ill patient to request life ending treatments.

Later on I discuss things to consider as you file taxes such as state sales tax deduction, child care and the American opportunity tax credit. A caller asks for my opinion about safe money invested in two different funds. I also explain new "computer" benefits for 529 college savings plans and I discuss what index beating active mutual funds have in common.

Don't forget about our upcoming seminar at Four Points by Sheraton San Jose Airport on May 19th where Rob Black and I will explain how to build a retirement portfolio that lasts. 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.

If you have been watching America’s Greatest Makers and have children, you are probably stoked about Grush, the app enabled, gamified toothbrush. This week Kym sits down with Grush inventor and CEO Dr. Yong-Jing Wang and Chief Operation Officer Ethan Schur to learn more about their product and competing on reality TV.

First off Kym will ask her guests why they chose to compete on America’s Greatest Makers over the already popular Shark Tank. They then get to the core of their product by explaining the IoT technology integrated into their toothbrush and the 3D motion sensing technology that provides real time guidance to the user. Ethan also describes some of the games as well as how the scores get transmitted to both parents and dentists. Kyle Ellicott (Wearable World) calls in to talk about Grushs’ potential and give us his thoughts on the potential Grush Mirror.

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 about our upcoming seminar at Four Points by Sheraton San Jose Airport on May 19th where Rob Black and I will explain how to build a retirement portfolio that last. 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 start off by talking about a few products you need to know about when going into retirement explaining which are good and which you should avoid. I then explain changes to filing and suspending social security as the deadline approaches. I also discuss when and when not to rollover your 401k and avoiding estate planning nightmares.

Don't forget about our upcoming seminar at Four Points by Sheraton San Jose Airport on May 19th where Rob Black and I will explain how to build a retirement portfolio that last. 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 review what has happened in an overall flat first quarter ranging from the possible “bottoming” of commodities to the positive performances from emerging markets and small cap funds topping the index. James from Piedmont calls up to get my opinion about the new tax-inversion rules that killed the Pfizer-Allergan merger and clear up a previous statement about contributing to your Roth IRA after filing tax returns for Jeff. I also discuss the Department of Labor finally confronting the rollover abuse that has cost retirees thousands of dollars every year and go over how you benefit from a financial planner. How to be your parents’ financial helper.

Don't forget about our upcoming seminar at Four Points by Sheraton San Jose Airport on May 19th where Rob Black and I will explain how to build a retirement portfolio that last. 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 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.

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

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

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

Today I discuss a few self-employment situations and compare filing as a sole proprietor vs. an S-corp. I explain FICA taxes and when you should create an S-corp or LLC. A news article prompts me to remind people to protect themselves by using a custodian. Other topics include:

• Approaching 4/30 deadline for filing and suspending social security benefits and funding IRA's.
• Explanation of how tax inversion hurts our economy.
• A warning on equity-indexed annuities and variable annuities with income guarantee riders.
• Jumpstarting your children’s retirement with Roth IRA contributions over a 529 plan.

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 start out today’s show with an update on S&P 500 performance and junk bond results before chewing out the mortgage industry and other financing professionals for sending documents via email with social security numbers. I then provide several situations that demonstrate why you should throw out old rules of thumb for calculating how much you need to save for retirement.  Also discussed today:

• Safe money options and tips.
• Tackling debt by paying off the lowest balance first.
• Determining if your old whole life and universal life policy is worth keeping.

I also respond to an email from Jeff who has three years  of safe money saved up with more than 5 years to retirement and I explain the backdoor Roth IRA contributions to Mary.

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

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

Today Kym chats with Michael Levitt, a serial entrepreneur who has been involved with several well known companies. Kym will begin by finding out how Michael got into technology and how a job as a security guard led to a job with the Department of Defense. He then tells us why he got into coding and what he learned from his first failed startup company. We then learn how Amazon and the “silly technology scheme” inspired BlueLight.com and how he could have saved AOL during the broadband switch. Former Samsung Executive Steven Rahman calls in to talk about Silicon Valley’s tech bubble and what China is doing to help.

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 discussing the Bay Area’s growing housing crisis, explaining why it is not the same as the mortgage meltdown and pointing out where the problem really lies. I then provide a refresher course on risks of retirement and explain what asset allocation really means. I also talk about non-portfolio related situations to consider in retirement and discuss rebalancing difficulties both in retirement and while working.

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 opens today's show with several stories including one that shows just how expensive real estate in the Bay Area has become. He then relates this story to the oil crisis and explains how understanding supply and demand helps to understand investing. Other topics discussed today include:

• Being cautious of pushy investors and scammy techniques.
• Comparing stocks on Wall Street.
• Having a financial plan, especially when you are married or have children.
• Paying attention to your spending on fundamentals.
• How does the stock market currently resemble "Dad Bod"?

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 Boom founder Blake Scholl to learn about the next supersonic jet. First off we will hear about a near death experience where he was able to save his parents and himself from going off a cliff. Kym then asks Blake what went wrong with air travel that caused innovation to stall, and what makes Boom planes more practical than the now defunct Concorde. Blake also explains why he had to look away from Silicon Valley for Boom to become a success, where he is at in development and talks about obstacles he has had to overcome. We also learn about his recent meeting with Sir Richard Branson which has led to a deal with Virgin Airways.

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.

A conversation I overheard brings up a discussion about dealing with children who are bad with money, especially when it affects your estate plan. I then discuss leaving money in a living trust and naming a trustee. A Bloomberg article about American’s choosing to study abroad leads me to explain how 529 plans can be used outside of the US. Why you should take a trial run at retirement. I respond to Dan’s question about where to keep safe money and provide an interesting alternative to an FDIC. Bad rules of thumb for retirement 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.

Estate planning attorney Michelle Lerman calls in and tells us about options for the new Transfer-On-Death Deed (TOD) and if a living trust is still the best option for leaving your home to an heir. She then walks us through the steps for setting up a TOD Deed and mentions several pros and cons. We also discuss the new California Law giving rights to the terminally ill patient to request life ending treatments.

Later on I discuss things to consider as you file taxes such as state sales tax deduction, child care and the American opportunity tax credit. A caller asks for my opinion about safe money invested in two different funds. I also explain new "computer" benefits for 529 college savings plans and I discuss what index beating active mutual funds have in common.

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.

Joining Kym today is Dr. Harvey Fishman, founder of the Stanford Retinal Prosthesis Project. He explains how the iris alone is a muscle that can be used to identify people as you would a fingerprint as well as detect diseases. Kym then has Dr. Fishman talk to us about several other eye health and technology subjects including:

• Biometric technology to monitor immigration
• Technology controlled by eyes
• Eye health facts and myths related to technology
• Blue blockers and dry eye syndrome
• Retinal prosthesis aka the Bionic Eye
• Startups currently in progress including digital health and the Cool Doctors app
• Stem cells, drops and gene therapy for cataracts
• Potential impact of virtual reality headsets

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

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

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

Today Rob Black talks about several news stories including Avon planning to cut jobs and move headquarters, Obama blocking oil drilling in Atlantic waters, and Lyft teaming up with General Motors to start a short term rental program. He also talks to us about avoiding a retirement savings crisis as the amount of poor Americans is expected to triple by 2050.

Rob and I discuss which media sources we trust for financial data and talk about quantitative easing. Patrick O’Hare tells us why the turnaround in the market does not mean everything is well in the economy and if slow growth means we are headed for a recession.

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 with a rant on the upcoming presidential nominations and the tax code which still desperately needs fixing. I then discuss the sense of relief as the US economy experiences slow growth from the beginning of the years decrease. Other topics include:

• Explanation of short covering
• Is your portfolio right for your risk number, old life insurance policies and long term care insurance situations
• I respond to and email about protecting yourself from fraud.
• Can over-allocating cash harm your retirement success?
• A radio show I listened to about 1031 exchanges and avoiding capital gains urges me to discuss hidden risks and situations you should be wary of

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 calls up Andrea Lake, not only a close friend of hers but a serial entrepreneur who has founded 14 different companies. Kym will start off by questioning Andrea about why she decided to compete on The Apprentice and her relationship with Donald Trump. They then switch to talking about Andrea’s entrepreneurial journey, which began at age 18, making and selling Rhythm Styx. From there she explains how the juggling toys led to the now defunct Anti Establishment t-shirt company that was in stores and worn by major bands. We also learn how she earned the distribution rights to popular video games and franchises including World of Warcraft, The Walking Dead and Minecraft through J!nx.

Several other companies of Andreas’ are discussed as well as the story of how she became 1.2 million in debt and fought her way out of it.

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.

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.

Long-term-care insurers have been increasing their rates, and more increases are surely to come. Chad Burton, CFP^®, and Rob Black discuss what the insurance covers and other options available.

Commercial-Free

Rob Black gets us excited about investing by announcing Under Armour’s deal with Steph Curry and its potential impact on Under Armour shares. I call in for a discussion on properly investing in term life insurance, differences between investing as a couple vs. investing a single person and retitling assets. Rob also discusses:

• Is the surge in oil prices stabilization or a dead cat bounce?
• What is causing new home sales to drop in the west?
• Ubers sexual assaults cases.
• Apple users being targeted in first known Mac ransomware campaign.
• The Donald Trump dilemma for Republican Party finances.
• Retiring into a bear market.

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 calls up Ben Wild from Iota, the co-founder and CEO of the world’s smallest GPS tracker. Starting off Kym will learn about Bens’ lifelong passion for inventing as he tells us about several prototypes and ideas he had growing up. Ben later tells us how Craigslist sparked the idea for a pet tracker which eventually evolved into Iota. He then explains how Iota works by using home bases and wifi to connect to Iota servers and help find your lost possessions. Ben also addresses potential security issues, crowd sourcing challenges and how Iota maximizes its battery life so only monthly charging is needed.

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.

Jack Mohr calls in to talk about China positively driving US markets and the Feds avoiding major fiscal issues resulting in many people failing to invest in the market. We also discuss if Apple is going too far to protect their brand by refusing to handover one phones data to the FBI and the resurgence of US banks. Other topics for today include:

• Should you consider long term care insurance scenarios
• Modifying the definition of fiduciary responsibility
• Net-zero interest environment hurting retirement
• Depreciating “investments” that kill your retirement
• Tax code reform that needs to happen

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

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

Today I discuss several market stories on the overall look of 2016’s market, weak consumer inflation data out of Eurozone, healthy inflation in the US and China cutting central banks’ reserve requirement. United Development Funding blowing up Twitter causes me to reiterate why I caution others to stay clear of private REIT’s. Other topics for discussion include:

• Triple net 1031 exchanges
• 6 ways to prevent going broke in retirement
• How do you begin building of a strong portfolio?
• The annuity 99% of clients should avoid, and no-load annuities

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.

Starting off today we will hear Kym’s recent interview of Sir Richard Branson as he talks about upcoming innovations, the decline of new startups and areas we are failing to innovate. After that Kym will reintroduce us to Extreme Tech Challenge winner Eric Dy from Bloom Technologies.

Kym will have Eric describe his time on Necker Island before explaining why 40 year old technology is only one problem that motivated him to get involved in women’s healthcare. He then explains how his noninvasive device works and how it differs from ultrasounds. We also learn about Eric’s plan to distribute to developing countries with little access to healthcare, possibly helping Zika affected mothers and an IBM partnership.

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.

Rob Black shares several market stories including Home Depot's 4th quarter dividends increase, airline companies raising prices after hitting 5 year lows, Chipotle suffering from menu fatigue and Fitbit’s future after a sharp drop.

I call in to talk about the dangerous trend of companies creating millennial-centric ETF’s that focus on only tech sectors and estate planning tips with millennials in mind.

Patrick O’Hare calls in and explains the markets turnaround from crisis mode to normal in a two week span. He also gives us his opinion about the uncertainty surrounding Janet Yellen, the next direction for housing after 6 years of steady recovery and the possibility of internet stocks hitting a bubble.

Rob then takes call from Jesse who saved diligently for retirement, but didn’t factor in the healthcare costs for Parkinson’s disease which he was diagnosed with 3 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.

Today I discuss S&P 500 earnings results and which sectors are outperforming. I review asset classes and sectors where many managers are bargain hunting for deals for the next five years. I give my input on real estate prices and cover:

• 6 slimiest tax scams to avoid.
• Should self-employed individuals set up an S corporation?
• Merging finances in a marriage.

I also take a call from Bill with a question on adding additional income to his portfolio with a dividend growth ETF.

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

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

Today Kym is joined by Supernatural actor, Travis Aaron Wade. Kym will start out by having Travis tell us about a trip to Mexico that gave him the urge to join the military fresh out of high school and the entrepreneurial spirit his parents instilled in him early in life. He then tells us about a common accident that led him to create a time released candle wick, and getting it purchased by a candle company. Kym also asks Travis about his t-shirt company, Arm The Animals, which helps animals in need as well as a dog shampoo company he is currently launching.

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

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

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

Today I take a look at what is going on with earnings and some specific emotional issues affecting the market. I explain some basic portfolio assumptions, using your extra money to invest or pay off your mortgage and how earthquake insurance fits into that decision. I also respond to an email from Barry about using options to protect wealth.

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

Kym learns about Scanadu from co-founder Sam De Brouwer. Sam tells us about the many medical situations Scanadu helps monitors and how it gets its data.

What tragedy prompted Sam and her husband Walter to create this patient friendly medical device and what makes it better than wearable health trackers?

Sam talks about how they rank against their competition and the anticipation surrounding the final product.

Jaymes Hines (StartupEdTech.com) asks Sam if she plans on challenging developers to create ongoing software for Scanadu.

How can you get your own Scanadu?

Kym also talks to Jamie Siminoff about the Ring Video Doorbell; the doorbell that allows you to see and talk with your visitor before answering safely using your smartphone.

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

Rob Black takes over as host today and calls me up for some commentary about 60% of S&P 500 stocks having a correction. I also offer some planning opportunities to consider in a bear market. Tony Mendes calls in and explains if you should pay points to reduce the loan rate on your mortgage.  He also chats with Patrick O’Hare about the markets exposure to China, if there are any areas of value currently in the market and investing in this environment. Rob also talks about the recent growth in job openings and a Super Bowl ad that is creating alarm.

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 discuss how recent market actions affect international economies and how junk bonds fit into this mess. Last year’s weird market prompts a discussion about preparing your portfolio for an expected recession. I explain some problems stemming from Chinese money flowing into the US through real estate purchases and real estate mistakes you should never make. I also give a couple of scenarios to explain the new social security rules regarding the "file and suspend" and "restricted application" strategies.

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.

Sports Colab is an accelerator that helps startups focused on all aspects of sports. This week Kym welcomes founder and CEO Akif Malik into the studio. After learning about his transition from medicine to sports and his attempts to bring the Olympics to Chicago, Akif tells us about his time working with multiple companies for Major League Baseball. Kym and Akif then move on discuss some of the biggest trends at Super Bowl 50 including CrowdOptic video streaming smart glasses and Next Gen Stats which implants sensors into the shoulder pads of football players, tracking running speed, hits and other statistics.

Kym also calls up Steve Wilkes, founder and CEO of Striim, a company that uses real time streaming analytics in order to prevent more mishaps from happening during the big game. Steve tells Kym how Janet Jackson’s “wardrobe malfunction” in 2003 could have been avoided. We also find out about possible issues Steve believes need to be addressed this year and the preventative measures at Levis Stadium that impress him.

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.

You need a financial planner you feel comfortable with and whose fees you clearly understand. Chad Burton, CFP^®, and Rob Black discuss the steps you can take to get there.

Commercial-Free

I answer questions about distributions from mutual funds, company stock and fund fees in a 401k and what to do when your HR department gives you nothing but bad choices to pick from. I also discuss:

• Protecting your family and yourself from identity theft.
• Financial planning with elderly family members without overriding.
• An article linking giving to happiness in seniors and several options for you to do the same.
• I give Edward my opinion about investing in emerging markets.
• I also define and explain Dollar-Cost Averaging, No-Load funds and ETFs.

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.

Mashup-Edition

Rob Black takes over for me today and opens by discussing how millennials will shape future stock markets with their preference to spend money on experiences over material goods. He also gives us about several investing strategy tips that bear repeating:

• Investing and saving early in your life.
• Buying and holding stocks vs. excessive trading.
• Life insurance, disability insurance and long term care insurance.
• High interest credit card debt.
• Paying off your mortgage too early.
• Ignoring financial media.

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 society continues to move faster we have found the slow nature of golf to be far less appreciated than it once was. Today Kym chats with John McGuire who is bringing in a newer and younger generation of golfers with Game Golf. John tells us how his wearable device works through motion sensors and GPS. We also learn how Game Golf is increasing social media engagement between amateur and pro golfers by tracking shots and recording stats that are easily comparable.  John then announces a partnership that will help him create more high tech clubs.

There's still time to register for our 10 Pillars of Retirement seminar on January 28th at the Elks Lodge in Palo Alto. Rob Black, Michelle Lerman and I will explain several issues that will increase your chances at an enjoyable retirement. Tickets are only $5 and begins after work at 6:30 p.m. tonight, 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.

Today I discuss Apple reporting its best profit ever despite dwindling iPhone sales and overall growth. I explain how energy related stocks like oil can make the entire S&P 500 look bad. I then give a quick synopsis of the topics that Rob Black, Michelle Lerman and I will expand upon at this Thursday’s 10 Pillars of Retirement seminar. Most people don't even know about the 4% withdrawal guideline, let alone the fact that it is in danger. I also tell you what you need to with your CPA about as you prepare for taxes.

Don't forget to register for our 10 Pillars of Retirement seminar on January 28th at the Elks Lodge in Palo Alto. Rob Black, Michelle Lerman and I will explain several issues that will increase your chances at an enjoyable retirement. Tickets are only $5 and begins after work at 6:30 p.m. this Thursday, 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 Michelle Lerman calls in and tells us the story of a major retirement account beneficiary form mistake. Michelle also gives us some great advice on how to handle estate planning with digital assets such as Facebook. I give an overview of what to expect at Thursday’s seminar and break down why oil is creating global uncertainty. Does the sell-off in oil remind me of the 2008 credit crisis? I also talk about 529 plans and how grandparents unknowingly have a negative effect on the FAFSA application. Don't make mistakes when helping to save for college! I also cover an article about active investing in this recent downturn and give some advice to a caller whose daughter wants to invest $5,000, but doesn’t know where.

Don't forget to register for our 10 Pillars of Retirement seminar on January 28th at the Elks Lodge in Palo Alto . Rob Black, Michelle Lerman and I will explain several issues that will increase your chances at an enjoyable retirement. Tickets are only $5 and begins after work at 6:30 p.m. this Thursday, 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 Kym welcomes celebrity designer Marissa Kenson into the studio today and finds out how MK Collab is shaking up the fashion industry. Marissa tells Kym about launching her fist line of apparel in 1983 and changes to marketing strategies she makes to keep up with today’s demand. Kym asks how working with celebrities like the Real Housewives evolved into e-boutique’s. Marissa then explains how MK Collab makes it easy for anyone to become an e-boutique owner and allows owners to connect with buyers. They also talk about cyberhoods and the future of network marketing.

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 register for our 10 Pillars of Retirement seminar at the Elks Lodge in Palo Alto . Rob Black, Michelle Lerman and I will explain several issues that will increase your chances at an enjoyable retirement. Tickets are only $5 and begins after work at 6:30 p.m. on Thursday, January 28th 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 frustration over reporters who act like they are calling market ups and downs, persuading many to mess with their portfolios when they have zero experience in the business. I then go through a “laundry list” of things that need to happen before we see stabilization in the stock market; focusing on Chinese currency stability and an end to their government intervening, Apple's explanation for the slowdown in suppliers and oil causing uncertainties in many companies.

I also respond to several listeners emails:

• Howard asks if REITs and dividend paying ETF’s are bond replacements.
• Michelle has 403B and works and lives in California with plans to retire in Nevada. She wants to know what will happen to the state income taxes she has deferred.
• Aldo asks if I would recommend a revocable living trust to protect his assets when he has no wife or children.
• If couple draws from social security, interest on cd’s and tax free bonds, and annual stock dividends, is social security taxable at state and federal level?

Don't forget to register for our 10 Pillars of Retirement seminar at the Elks Lodge in Palo Alto . Rob Black, Michelle Lerman and I will explain several issues that will increase your chances at an enjoyable retirement. Tickets are only $5 and begins after work at 6:30 p.m. on Thursday, January 28th 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 China's currency manipulation as well as some commentary from bond investor Bill Gross who is encouraging exposure to developing markets due to the difference in demographics vs. the USA. Last week I learned of the untimely death of a high school friend which prompts the discussion of protecting your family in the event of an early death or disability.

I also respond to the emails of several listeners:

• Can fiancée's creditors come after you after you get married?
• Setting up and funding a Backdoor Roth IRA.
• Self employed people using a combo defined benefit/401k plans to put a ton of money away pre-tax and fund huge Roth IRA's.
• Protecting your credit when you cosign for a loan and the other person stops making payments
• Is it wise to pay off your condo, or should you rent it out and live elsewhere while interest rates are still low?
• Holding on to long term care insurance.

Don't forget to register for our 10 Pillars of Retirement seminar at the Elks Lodge in Palo Alto . Rob Black, Michelle Lerman and I will explain several issues that will increase your chances at an enjoyable retirement. Tickets are only $5 and begins after work at 6:30 p.m. on Thursday, January 28th 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

Today Kym gives us a full wrap up of the top innovations from last week’s Consumer Electronics Show in Las Vegas. First Phil McKinney calls in and he and Kym discuss which companies they found to be the most exciting such as Phone Soap, an LED phone sanitizer and wearables with Bluetooth headphones incorporated from Ashley Chloe.

Then, Extreme Tech Challenge judge and investor Veronica Serra calls and gives us her thoughts about the three companies chosen to pitch to Sir Richard Branson.

Kym also chats with Eric Dy of Bloom Technologies which makes a wearable that tracks contractions during your third trimester. She finds out how he got the idea to start taking guesswork out of pregnancies, as well as other factors he is looking to track to reassure mom her pregnancy is normal.

Finally Kym wraps up with Chris Crescitelli on the most anticipated news from CES, virtual reality. Chris talks about the battle between the Oculus Rift and the HTC Vive and how they can stay out of a niche market with sensory overload and headaches being a problem.

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 register for our 10 Pillars of Retirement seminar at the Elks Lodge in Palo Alto . Rob Black, Michelle Lerman and I will explain several issues that will increase your chances at an enjoyable retirement. Tickets are only $5 and begins after work at 6:30 p.m. on Thursday, January 28th 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.

Retirees sometimes consider a move to a no-income-tax state. But they need to consider whether their new home state has an estate tax. Chad Burton, CFP^®, and Rob Black discuss options to protect your estate.

Commercial-Free

Today I discuss China's currency manipulation as well as some commentary from bond investor Bill Gross who is encouraging exposure to developing markets due to the difference in demographics vs. the USA. Last week I learned of the untimely death of a high school friend which prompts the discussion of protecting your family in the event of an early death or disability.

I also respond to the emails of several listeners:

• Can fiancée's creditors come after you after you get married?
• Setting up and funding a Backdoor Roth IRA.
• Self employed people using a combo defined benefit/401k plans to put a ton of money away pre-tax and fund huge Roth IRA's.
• Protecting your credit when you cosign for a loan and the other person stops making payments
• Is it wise to pay off your condo, or should you rent it out and live elsewhere while interest rates are still low?
• Holding on to long term care insurance.

Don't forget to register for our 10 Pillars of Retirement seminar at the Elks Lodge in Palo Alto . Rob Black, Michelle Lerman and I will explain several issues that will increase your chances at an enjoyable retirement. Tickets are only $5 and begins after work at 6:30 p.m. on Thursday, January 28th 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 the overall flat day on the market for Wall Street as European stocks close at their lowest since September and energy companies (taking the biggest hits) overall pulling down the index. I then explain why you should have a positive outlook on 2016 as central banks may finally be recognizing they have been over involved in economy. Other topics for discussion include:

• Alternative investment strategies such as long/short hedge funds
• Critical dates for retirees
• Is your retirement plan adjusted for inflation?
• Rebalancing points in your portfolio

I also take a call from Michael who asks if he should keep his long term care policy he bought from GE after it has been bought by another company.

Don't forget to register for our 10 Pillars of Retirement seminar at the Elks Lodge in Palo Alto . Rob Black, Michelle Lerman and I will explain several issues that will increase your chances at an enjoyable retirement. Tickets are only $5 and begins after work at 6:30 p.m. on Thursday, January 28th 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 Kym is joined in studio by Noel Lee, the Founder and CEO of Monster. Kym finds out everything that has led Noel to his present day success; from his parents emigrating from China to his first job as an engineer at Lawrence Livermore Labs. Noel then tells Kym how he left his engineering job to go on a tour with his band, ultimately leaving him broke and unemployed. He also tells her about how his love of reproducing music led to the first Monster cable before talking about his relationship with Dr. Dre and why Monster is suing Apple Beat’s.

Finally Noel reveals some exciting new products Monster will be revealing at the Consumer Electronics Show in Las Vegas including a Cristiano Ronaldo line of high end headphones.

Don't forget to register for our upcoming seminar at the Elks Lodge in Palo Alto on Thursday, January 28. 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 talking about how municipal bonds outperformed other strategies in 2015. I go over some financial New Year’s resolutions I feel many people need to focus on including why you should rebalance your portfolio at least once this year. I then talk about the new budget deal that allows people to roll over required minimum distribution’s from IRA’s to charities and the new rules that allows employers to let workers make in plan conversions from their 401k to their ROTH 401k.

I also respond to emails: Brian's elderly aunt has been taken advantage of financially by other family members and he wants to help protect her assets; and Adam who wants to know the best way to leave his son a house and his daughter his IRA in trust.

Don't forget to register for our upcoming seminar at the Elks Lodge in Palo Alto on Thursday, January 29. 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 talk about the large drop in the Shanghai index spilling over to our market on the first day of trading in 2016. I discuss whether or not junk bonds may cause the next big economic crisis. I also explain why I think these seminars that coach people to cash in their retirement accounts to buy index life insurance are criminal.

Other items for discussion:

• Rant on people who pitch retirement scams where insurance agents tell half truths.
• Taxes on indexed universal life insurance, 401ks and IRA’s.
• How indexed universal life insurance can disappoint.
• Two scenarios where universal life insurance policies work as a bond alternative for the very high income earner or the wealthy person that does not need their IRA.

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.