It’s the day of the dueling hosts. Rob Black and I collaborate frequently on his show and oftentimes Rob receives many emails about financial planning. Today Rob and I team up to answer money and financial planning emails from our listeners. Topics include:

• Inverted yield curve and recessionary fears
• Inflation, currency devaluation and the national debt
• Using preload and reload debit cards for security
• Risky reliant life shares
• Converting an IRA to a Roth
• Investing beyond your 401k
• Robo advisors and building a financial plan
• Are annuities a trap?
• Estate planning for your pet
• Can you trust a financial referral?

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.

Taxes are due in a few short weeks and while many of you have already started this process, some of you will be filing an extension. Do note this is not an extension to pay what you owe, nor is it an extension to fund IRA’s or Roth IRA’s. These must be done by April 15th no matter what! So what do you do if you still want to fund a Roth for 2018? Are you still eligible to fund one? Other topics include:

• Other things to consider during tax time
• Questions to ask your CPA when getting your taxes done
• Should you claim your college-aged kids?
• College savings mistakes I see people make

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.

Retirement planning is hard enough and one of the easiest ways to live a little smarter is to simply learn from the mistakes of other people. Today I cover major retirement ruining mistakes such as:

• Retirement tax mistakes
• Social Security mistakes
• Retirement income strategy mistakes
• Market timing mistakes

Join Rob Black and I for our Retirement Income And Tax Planning Seminar on Thursday, March 21 at Double Tree by Hilton in Burlingame. Registration is only $25. Click HERE to sign up!

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.

First quarter GDP numbers will be coming out soon and they are predicted to be in the 1% range. Permabull Jeremy Siegel believes the market will be challenged for further gains due to low earnings growth this year. However, the 10 year treasury is sitting just below 2.7% and low rates boost markets. Today I discuss the latest stock market predictions, what causes these scenarios and how to survive them should they come true. Other topics include:

• Backdoor and mega backdoor Roth IRA’s
• Should you roll over after tax 401k contributions to a Roth IRA?
• NUA’s –Net Unrealized Appreciation
• Are Baby Boomers more prepared for dying than living?-Long term care planning options
• The problem with online retirement calculators

Join Rob Black and I for our Retirement Income And Tax Planning Seminar on Thursday, March 21 at Double Tree by Hilton in Burlingame. Registration is only $25. Click HERE to sign up!

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.

I recently met a woman who cashed out her retirement plan since it has done nothing over the last 5 years. Upon further questioning I realized that her “financial planner” was in fact an insurance salesman who conned her. The industry needs to push so that anyone pushing commission based products are called salesman and not financial planners. Other topics include:

• Debt- the biggest issue for our country and ourselves
• The best strategies for Social Security
• What to do with your old life insurance policy?

Join Rob Black and I for our Retirement Income And Tax Planning Seminar on Thursday, March 21 at Double Tree by Hilton in Burlingame. Registration is only $25. Click HERE to sign up!

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.

Q4 may have shown us a 5th straight quarter with a double digit rise in earnings, but way more on the market is European Central Bank abruptly reducing its 2019 GDP forecast. Brexit is still causing a lot of uncertainty and a No Deal vote is expected to happen by tomorrow leading to who knows what outcome. Also on the radar is some unusual jobs data in an otherwise robust economy. Is inflation even being measured correctly? Other topics include:

• Should Nick be converting as much IRA money as possible before tax cuts expire in 2026?
• Financial mistakes millennials are making
• "Sneaker taxes" in retirement planning
• Is it a no-brainer to move out of California in retirement?

Join Rob Black and I for our Retirement Income And Tax Planning Seminar on Thursday, March 21 at Double Tree by Hilton in Burlingame. Registration is only $25. Click HERE to sign up!

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.

While most of the country is going to notice a reduction in taxes, California residents will be all over the board. Itemizing your deductions might not be better than the standard deduction under this new tax plan and your combined state income taxes and property taxes are no longer fully deductible. Today I discuss major tax changes you’ll notice once you file. Other topics include:

• A crash course on 401k rollovers.  When to roll your old 401k to and IRA and when not to.
• Financial planning in retirement
• How to avoid RMD’s after age 70.5
• Steps to take before hiring a financial advisor

Join Rob Black and I for our Retirement Income And Tax Planning Seminar on Thursday, March 21 at Double Tree by Hilton in Burlingame. Registration is only $25. Click HERE to sign up!

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 top fear people have in a low rate environment is running out of money. Historically bonds have yielded over 4-5%. Current bond yields are much lower which is affecting the way we plan for retirement. Major advancements in medicine/longevity are happening every day. Can your portfolio survive as long as you do? Other topics include:

• Are you ready fore retirement? 6 tests you must pass
• What is the difference between the S&P 500, Dow and Nasdaq
• Roth IRA and backdoor Roth IRA strategies
• Basic 529 plan facts

Join Rob Black and I for our Retirement Income And Tax Planning Seminar on Thursday, March 21 at Double Tree by Hilton in Burlingame. Registration is only $25. Click HERE to sign up!

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.

Over 90% of Q4 reports have come in and 2018 reported a 20.8% earnings growth over 2017. Pretty good numbers considering the S&P 500 was down 4.5% for the year. Do companies owe this substantial growth in earnings to tax cuts or was it just pure, organic growth. Other topics include:

• What should you do at tax time?
• Leverage investing
• Sep IRA’s- when they are good and when they are bad
• What is a stretch IRA?
• Should Glen convert his IRA to a Roth so he can leave a better asset to his kids?

Join Rob Black and I for our Retirement Income And Tax Planning Seminar on Thursday, March 21 at Double Tree by Hilton in Burlingame. Registration is only $25. Click HERE to sign up!

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.