In most podcast I tend to focus on what you should be doing in retirement or approaching retirement, but getting to that point is completely different. Employers typically offer Roth 401k’s in addition to the regular 401k and leaving employees to wonder which savings vehicle will be most beneficial to them in the long run. Today I weigh the differences between the regular 401k and the Roth 401k. Other topics include:

• Blending 401k, Roth 401k and Roth IRA
• Retirement planning for young workers
• Are you on track for retirement?
• Playing with tax brackets
• How to get money into a Roth

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

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

Every 5-7 years we typically see a 20% correction, but it had been much longer that that since our last significant correction. The miserable December left many of us feeling horrible even though the S&P 500 ended the year down by only 4.4%. Since then, anybody who sold around Christmas is now kicking themselves as the fast moving market has already bounced back. What should you do if these recessionary trends continue? Other topics include:

• How the market typically responds during the 12 months after a large correction
• International investing...is it worth it?
• Smoothing out market cycles in your portfolio
• 10 Pillars of Retirement Planning –what you need to focus on when entering retirement

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

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

The news can be unsettling these days. UK citizens are regretting their decision to leave the EU in Brexit. Meanwhile, Trump has ordered many federal employees back to work during the shutdown without pay. We also have PG&E filing for bankruptcy. Despite all these horror stories we have had a huge rally since Christmas Eve. Never panic out when the news is the worst and volatility is high! Other topics include:

• More 2019 financial goals
• Qualified opportunity zone investing
• Which 529 plan should you use?
• Recessionary signs and what to do

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

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

It’s January 15th and its time to make a tax payment. Even if you are going to file for an extension, avoid excess penalties from the IRS and send in a check if you have not withheld enough money or paid enough in quarterly tax payments. Today I discuss how much you need to turn in and things to think about if you are over age 70 ½ this year. Other topics include:

• Getting into tax season
• What to do with your Roth IRA’s, Roth 401k’s and regular 401k’s
• 22 tips for starting 2019 on track

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

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

The new tax code is a year old now and people will see the results of it in their tax returns the next few months. High income non-business owners living in states with high income and property taxes may not find themselves too happy with what they see, but for the rest of America it is definitely a tax cut. Today I explain the difference between an economic recession, a revenue recession and an earnings recession. Other topics include:

• How to approach tax free vehicles such as Roth IRA and 401k
• Financially surviving divorce

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

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

The Q3 FOMO rally was quickly followed by a December that left the S&P down by 4.5% on the year. Although the media made the sudden correction feel incredibly painful, remember that this pullback follows a 10 year average return of over 13%! Do not get caught up in the medias racket and make emotional mistakes with your portfolio. Other topics include:

• Preparing for market corrections
• Getting 2019 on track
• Understanding ESPP’s

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

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