The only time my company picks individual stocks in when a company has a history of being a dividend achiever. There are ETF’s with similar approaches allowing you to own a basket of companies that love increasing their dividend. Other topics include:

• Dividend achiever strategies
• Money matters to discuss with your children over Thanksgiving
• Major retirement concerns
• Laymen discussion of eating and exercising to fight cancer

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.

Part of being a financial planner means answering any questions you have about retirement; ranging from managing your accounts to maintaining your health. Today I respond to several questions listeners have been asking as they prepare for retirement. Topics:

• Why sell stocks for bonds as you near retirement?
• Saving outside of a high-fee 401k
• Mega Backdoor Roth 401k’s
• The SECURE Act
• Year-end tax planning
• Intermittent fasting –Should you skip breakfast?

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.

A lot of retirees delay pulling money from their retirement accounts believing the tax hit is much worse than other options. This is not necessarily the case. Spending down your cash and taxable accounts often creates a rolling tax problem after RMD’s kick in. Create a Roth Conversion plan before year-end. Don’t wait on the IRS to make changes! Other topics include:

• Battling Alzheimer's and brain diseases
• Long term care planning
• Deferring more money from your paycheck in 2020

Retirement planning is more complicated than ever. Please join Rob Black and I for our Retirement and Income Planning seminar this Thursday, November 14, 2019 in Burlingame. 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 year will be over before we know it and you have less than two months to make any major tax moves. There is not enough proactive planning by people these days to take advantage of the opportunities out there. Today I cover year-end tax planning strategies. Topics include:

• The negative effects of historically low interest rates on retirees
• The long term care disaster
• How tax cuts changed planning

Retirement planning is more complicated than ever. Please join Rob Black and I for our Retirement and Income Planning seminar this Thursday, November 14, 2019 in Burlingame. 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 market has come pretty far in just one year and looking back at media headline proves that big corrections can come and go. New highs in the market are great if you have funds to invest, however, this can be incredibly difficult with a high cost of living. Here are a few things you can do to increase your savings and prepare yourself for a new retirement plan. Other topics:

• Properly using your ESPP and RSU plans
• Looking back at market history
• A correlation between sleeping, behavioral and dental issues?

Retirement planning is more complicated than ever. Please join Rob Black and I for our Retirement and Income Planning seminar on Thursday, November 14, 2019 in Burlingame. 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.

A decline in earnings yet the market is up? Even though trade wars and manufacturing costs have ruled the headlines, 2020 earnings projections are still positive and analysts predict earnings growth will return once the New Year begins. Other topics include:

• 10 scariest retirement statistics
• When to do a Roth conversion
• Sleeping your way to a healthy retirement

Retirement planning is more complicated than ever. Please join Rob Black and I for our Retirement and Income Planning seminar on Thursday, November 14, 2019 in Burlingame. 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.