Children don’t come cheap. A Bloomberg article reports the cost of having children hits $233,610, a 3% increase from last year’s survey. Costs such as housing, transportation, food and clothing are broken down, but one significant expense is excluded from this survey. Does it make sense for one parent to stay home? Making sure the true net of your income exceeds child care costs is one of many financial concerns you need to review before having kids. Other topics include:

• The trust of a real estate millionaire who left conditional money to his daughters provides a good outline you should consider for you own estate plan
• Goldman Sachs claims bonds to stocks rotation to be fake news
• Lower taxes and social security –self-employed and high-income earners will get slammed by taxes
• Why good credit matters after 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.

2017 got off to a good start last week, but is this expected to continue? Today I talk about expectations as we enter an administration under President-elect Trump. Did the volatility index change due to fear or anticipation?  Can the run in small-caps continue? What are some positives we can look forward to during the next 4 years? Other topics include:

• Beth has a few questions about 529 plans regarding her children. What are the options for one who wants to live off campus and another with special needs and does not want to further their education?
• Three ways to stress test your portfolio
• How much cash would it take for you to delay your social security?
• Gold IRA’s and REIT’s–One is HORRIBLE and one may still be a hedge against inflation

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 almost hit 20,000 but what else happened in 2016? Today I review which companies, sectors and asset classes achieved above market growth and which stayed flat or declined.  What will be the biggest stories in 2017? Could the increase in rates contribute to changes in real estate? What about underfunded pension plans or overseas cash being repatriated? Other topics include:

• Identity theft protection, life insurance, home and auto insurance among other insurance do's and do not's
• Americans are more focused on their financial planning, but are we planning far enough ahead?
• A listener asks if an S-Corp can help save on self-employment taxes
• 2017's month-by-month financial to-do list

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 Dow almost hit 20,000 but what else happened in 2016? Today I review which companies, sectors and asset classes achieved above market growth and which stayed flat or declined.  What will be the biggest stories in 2017? Could the increase in rates contribute to changes in real estate? What about underfunded pension plans or overseas cash being repatriated? Other topics include:

• Identity theft protection, life insurance, home and auto insurance among other insurance do's and do not's
• Americans are more focused on their financial planning, but are we planning far enough ahead?
• A listener asks if an S-Corp can help save on self-employment taxes
• 2017's month-by-month financial to-do list

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 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

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