A recent survey reports that 61% of people are choosing to delay retirement. Today I discuss several reasons why more American’s are choosing to delay even when they don’t need the money. Behavioral finance mistakes can shave 2-4% off your returns. I'll tell you why. Listener questions:

• James from Piedmont wonders if I am concerned about the trend of falling dividend increases from blue chip companies that retirees usually depend on
• James in Sonoma asks me to clarify funding no load variable annuities with bond money from your IRA
• Bob wants to know when are TIPS (Treasury Inflation-Protected Securities) are appropriate part of asset allocation

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 self driving cars unseat truck drivers? As technology and automation efficiency improves many Americans stand to lose their jobs. Where should investors be looking to put their money and what social issues should be taken into consideration?

• Is this US News and World report about underfunded retirement plans useful or just financial fluff?
• Should you invest in automation or invest in your skills?
• Could male to male lending make for poor financial decisions?
• James calls in with a question about using no load annuities to pay for long term care insurance
• What you need to know about RMD’s if you are 70 or older

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.

It’s cheaper to invest now than ever before. The most important aspect of building wealth is systematically saving in low cost investments when issues such as timing the market mean nothing. Retirement presents major risks to your financial plan when things like inflation, health care costs and taxes can negatively affect your chances of long term success. Today I explain how to fight these risks using proper withdrawal strategies and double checking with Monte Carlo simulation. Other topics include:

• Where should Andrew put his safe money in his tax deferred accounts now that he is 4 years from retirement
• Ruth wonders if she should still set up a living trust if Trump plans to repeal estate taxes
• Mistakes people make with Medicare Part B signup
• Reviewing 529 plans- what mistakes are being made?

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

30 year bonds approach historical lows, but Warren Buffett’s recent comment about the investment may have been taken out of context. Today I explain which generation he was addressing with his comment and why it should not be taken as a blanket statement to not own bonds at all. Other topics include:

• Bonds and millennial investing
• Cash outflow issues in retirement
• What to do with emergency cash reserves
• Excuses not to buy or invest right now
• Two funds to be aware of in your 401k
• Longevity and how to take these articles with a grain of salt

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.

It’s cheaper to invest now than ever before. The most important aspect of building wealth is systematically saving in low cost investments when issues such as timing the market mean nothing. Retirement presents major risks to your financial plan when things like inflation, health care costs and taxes can negatively affect your chances of long term success. Today I explain how to fight these risks using proper withdrawal strategies and double checking with Monte Carlo simulation. Other topics include:

• Where should Andrew put his safe money in his tax deferred accounts now that he is 4 years from retirement
• Ruth wonders if she should still set up a living trust if Trump plans to repeal estate taxes
• Mistakes people make with Medicare Part B signup
• Reviewing 529 plans- what mistakes are being made?

Whether you're 20 or you're 60, managing your money can get complicated. Please join us for one of our two seminars this Saturday to learn strategies that can help you build wealth, invest confidently, retire better, and pass on your estate while minimizing taxes. 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 big news story this week is the WannaCry Ransomware attacks affecting businesses around the world. Learning to protect yourself online is important when family photos and financial data are at risk. Today I cover necessary practices such as keeping updated hardware and software, two-factor authentication and backing up your files. Decrease your chances of getting hacked! Other topics include:

• Safe withdrawal rates in retirement
• What’s going to drive you in retirement?
• Life insurance sales pitch seminars that promise you can’t lose money
• Auto-escalation and auto-rebalancing – is automation helping people save for retirement?

Whether you're 20 or you're 60, managing your money can get complicated. Please join us for one of our two seminars to learn strategies that can help you build wealth, invest confidently, retire better, and pass on your estate while minimizing taxes. 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.

30 year bonds approach historical lows, but Warren Buffett’s recent comment about the investment may have been taken out of context. Today I explain which generation he was addressing with his comment and why it should not be taken as a blanket statement to not own bonds at all. Other topics include:

• Bonds and millennial investing
• Cash outflow issues in retirement
• What to do with emergency cash reserves
• Excuses not to buy or invest right now
• Two funds to be aware of in your 401k
• Longevity and how to take these articles with a grain of salt

Whether you're 20 or you're 60, managing your money can get complicated. Please join us for one of our two seminars to learn strategies that can help you build wealth, invest confidently, retire better, and pass on your estate while minimizing taxes. 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.

How do interest rates and credit cycles affect the economy? With improved market numbers and rates finally starting to rise, how will the Federal Reserve act under Trump? The situation of one woman showcases this nasty social security side effect of divorce. What is a collaborative divorce, how does it work and when does it not work? I also discuss Backdoor Roth IRA strategies and this retirement IQ survey by Fidelity –is your financial IQ on track?

Whether you're 20 or you're 60, managing your money can get complicated. Please join us for one of our two seminars to learn strategies that can help you build wealth, invest confidently, retire better, and pass on your estate while minimizing taxes. 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 visitwww.NewFocusFinancial.com.

Encore Edition

I cover market news now that earnings reports are in on some of the bigger names. Apple increases its dividend and share buybacks program, but can’t sit on this much cash forever. I explain why the White House has to balance dollar strength with cash repatriotization issues such as the pitfalls of profits in other currencies flooding into the US market. Other topics include:

• Why you should be looking at rebalancing opportunities when the market hits all time highs
• International stocks and emerging markets
• Annuities –Are they all horrible? When are they worth looking at?
• Safe money going into retirement–How to max FDIC insurance

Whether you're 20 or you're 60, managing your money can get complicated. Please join us for one of our two seminars to learn strategies that can help you build wealth, invest confidently, retire better, and pass on your estate while minimizing taxes. 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 California’s real estate problem since half of the Bay Area millennials plan on fleeing, citing housing and cost of living as main reasons. I pick apart new tax plan rumors and explain standardized deductions vs. itemized deductions. Other topics include:

• 2 types of people who take social security early and government drawbacks when they do
• April’s earnings scorecard –Are we out of our revenue recession?
• When motivational investing events hurt
• Hedging the US Dollar
• Protecting your wealth by setting safe money aside

Whether you're 20 or you're 60, managing your money can get complicated. Please join us for one of our two seminars to learn strategies that can help you build wealth, invest confidently, retire better, and pass on your estate while minimizing taxes. 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.