New Focus on Wealth with Chad Burton
384 episodes - English - Latest episode: about 6 hours ago - ★★★★ - 60 ratingsCertified Financial Planner, Chad Burton discusses important financial planning and wealth management issues. If you want to learn how to plan for retirement and do a better job managing your investment portfolio... this is the show for you.
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A digital world needs different rules. Does your estate plan cover your digital life or just the physical one?
August 30, 2019 19:00 - 20 minutes - 19.4 MBAs the world we live in becomes increasingly more digital, estate planning takes on a whole new face with more and more things being stored online. Family photos are stored on the cloud, social media accounts stay active well after someone dies and important scanned documents may be difficult for the surviving family members to find. Next time you review your estate plan make sure your digital life is covered and not just your physical one. Email your money question to chad@newfoc...
The internet can be a dark place if you aren’t prepared. Protect yourself from fraudsters, scammers and identity thieves with safe habits and buying quality protection programs.
August 29, 2019 01:00 - 39 minutes - 9.31 MBYears ago I thought you would have to be crazy to buy something you saw advertized on social media. Today I’ll admit that I actually bought something I saw on social media and it did not go well at all. Long story short, I fell victim to online fraud and may be out some money. Online security is something we all need to take seriously for more than one-time transactions. Don’t let something as simple as a weak password end up with you losing anything from a few dollars to your identity. Othe...
School is back in session and kids need money for just about everything. Is it better to cut your kid a check or pay the school?
August 28, 2019 01:00 - 39 minutes - 9.33 MBIf you’re trying to give somebody money for education do not give them the cash directly, pay the institution instead. Not only will you not have to file a gift tax return, but you are able to exceed the $15,000 limit. Believe it or not there is also a correct way to withdraw from a 529 plan; is your child getting the most out this money? Other topics include: Top retirement planning questions The inverted yield curve, recessions and the biggest discount between growth and value stocks ...
The valuation gap between expensive and cheap stocks is the lowest it has been in 9 years. Why is value being ignored while growth gets expensive?
August 22, 2019 01:00 - 39 minutes - 9.31 MBLooking for stocks that are trading at a discount is called value investing. Traditionally this is done by looking at the P/E ratio and right now the valuation gap between expensive and cheap stocks is the lowest it has been in 9 years. Now that investors are turning their attention to quality stocks, value investing is something you should be keeping your eye on as periods of underperformance are followed by periods of outperformance. Other topics include: Why is value being ignored and wh...
Financial media loves to make connections that’ll predict the next great recession. Are inverted yield curves a bad omen or just a coincidence?
August 21, 2019 01:00 - 39 minutes - 9.32 MBNews headlines are stoking fear by saying that an inverted yield curve have predicts a recession within two years. Two years is an absurdly long time in the financial world and the factors that caused previous inverted yield curves are not causing the yield curve inversions we are seeing today. No one doubts the global slowdown is occurring, but corporations are finding ways to adjust and do business. Also: What is the yield curve? Is the inverted yield curve a predictor or coincidence? ...
Thinking about pausing your 401k? Don’t harm your retirement goals by losing out on free money because the president tweeted something you didn’t like!
August 15, 2019 01:00 - 44 minutes - 10.3 MBToo many people are underprepared for retirement and much of it is due to a lack of basic financial education. You should never stop funding a 401k based on who the president is, what he is saying or whatever geopolitical news is dominating the headlines. stop losing out on free money that is costing you your own retirement! Other topics include: Roth IRA’s vs. 401k’s- Do they count towards each other? What to do with extra income Mega backdoor Roth IRA’s What to do with rollovers W...
Think back to last year, did yesterday’s headlines sound familiar? Don’t cave in to doom and gloom media. Timing the market is a fool’s game.
August 07, 2019 23:15 - 38 minutes - 9 MBAstute investors realized that yesterday’s headlines were incredibly similar to those during last year’s September-December correction. Daunting headlines and investor Alzheimer’s make for a poor combination that can cause some people to panic out of the market which will typically result in a huge setback in your retirement. Daily headlines really don’t matter in the long run, what does matter is having a strategy that you stick to because you can not time the market! Other topics include: ...
August can often be a rocky month for the stock market, but could this be a sign that a recession is approaching?
August 06, 2019 21:29 - 37 minutes - 8.88 MBMany people classified yesterday as a “tough day for the markets”, but if you follow market trends it looks a lot like your typical August. The Feds cut interest rates for the first time in more than a decade with the 10 year treasury sinking to pre-Trump numbers. The end result: the most extreme inverted yield curve since 2008. Other topics include: While the S&P 500 is up since January it is flat for the last 12 months -What are corporate earnings telling us? Protecting yourself from po...
Medical costs are the least fun part of retirement planning. A healthy lifestyle not only keeps expenses low, but it also gives you more time for the things you love!
August 01, 2019 01:00 - 39 minutes - 9.32 MBRegular exercise and a proper diet are a key part of any retirement plan. Saving up a huge pile of money is no good if you end up spending most of it on doctor visits and prescriptions instead of vacations and grandkids. Do what you want in retirement simply because you can by focusing on your health before its too late! If you can do this the rest of your planning all falls under our 10 Pillars of Retirement Income Planning downloadable. Email your money question to chad@newfocus...
Lower them or leave them - what should Powell the Feds do with interest rates?
July 31, 2019 01:00 - 38 minutes - 8.95 MBRight now the Feds are in a no-win situation. Leaving rates where they are is risky and Powell would be to blame for any signs of a recession. Alternatively, if they follow the data and were considering lowering rates anyway it will look as if the Feds have caved to Trump’s pressure. What should we do in an economy where we don’t want a strong dollar right now? Other topics include: Gold hedge against inflation Expansion of Government debt Can you lose your home due to outstanding medic...
More than a number –Six tests to determine retirement readiness
July 26, 2019 01:00 - 37 minutes - 8.91 MBPlanning for retirement is more complicated than hitting that magic number between 1.5-2 million. Real planning and projections change every few years with the economy and financial Alzheimer’s can lead even educated individuals to make mistakes when the markets are exceptionally good or bad. That’s why we battle test your portfolio with Six Tests to determine if your portfolio will outlast you. Linear cash flow model What is your risk tolerance How to get through difficult market cycle...
The S&P 500 is plowing ahead, but earnings growth is not double digit for the S&P 500. What’s going on in the S&P and what numbers really tell us the truth about the American economy?
July 24, 2019 23:17 - 41 minutes - 34 MBBy the end of the second quarter the S&P 500 found itself up 18.5%, which includes the sizeable recovery from last year and a push ahead. Much of the volatility has been from trade wars and fed interest rates so we have to we have to bring things back to reality and figure out what is going on within the S&P. With that said, remember that the S&P is cap weighted and is not an exact measure of the largest 500 companies in America. The economy is much more than that. Other topics include: The...
Money and health are your biggest priorities in retirement. Don’t neglect one and ruin your later years.
July 17, 2019 19:20 - 37 minutes - 8.73 MBHealth and financial well being often come together to determine how much you will enjoy retirement. Too often people enter retirement in poor health end up spending more time with doctors than doing what they want to do. Likewise, those who take care of their health usually end up living longer and will need more money to live. Money and health both need to be a priority in retirement. Topics include: Retirement savings and fitness changes by age How to lower tax consequences on company ...
Facebook is getting ready to enter the world of cryptocurrency and Congress is very concerned about privacy and security issues. Today is all about the good and the bad of cryptocurrency.
July 17, 2019 01:00 - 37 minutes - 31.4 MBCryptocurrency is big headlines again as Facebook explains plans for their own digital currency to Congress. Steve Mnuchin also did a briefing stating his concerns on the risks of digital currency while vowing that the treasury will crack down on law breakers as they find them. Can Facebook’s cryptocurrency survive between this and consumer trust issues? Other topics: What bugs me about cryptocurrency even though it's here to stay Cryptocurrency volatility & use in illicit activities Li...
We all know bonds make up a good portion of a retiree’s portfolio, but are low yields an issue? Why even own bonds at all?
July 10, 2019 21:51 - 37 minutes - 8.92 MBBonds play an important part in your portfolio, but the yield on them is so low most people feel like they just aren’t worth it. Should you even bother looking at bonds when the interest is low or consider individual bond funds? Today I answer your bonds questions and more. Topics include: Individual bonds vs. bond funds Owning bonds when you are younger vs. older Dividend aristocrat mutual funds and ETF’s as bond alternatives Financial independence vs. retirement Join Rob Bl...
More people are living an active lifestyle past age 100 and a detailed retirement plan will be important for any of us looking to make it that far. Are you financially on track to live this long?
July 09, 2019 20:54 - 37 minutes - 8.83 MBA video of a 102 year old man participating in the 100 yard dash has gone viral. With the way medicine is advancing this could easily be the future for any of us. Part of getting there will mean having a portfolio set up that will outlive you. Are you prepared for a future where more people reach this major milestone? Today I explain the top reasons why you need a detailed financial plan going into retirement. Join Rob Black and I for our Retirement Income and Tax Planning seminar at t...
Can dividend income raise your effective rate? The ‘ticking tax time bomb’ is something retirees should plan around while they are still building wealth.
July 04, 2019 01:30 - 38 minutes - 9.08 MBCan dividend income raise your effective rate? The biggest issue some people face in retirement is the ‘ticking tax time bomb’ of what their brackets might do once they hit the RMD period of their retirement. Could a possible solution be as simple as delaying retirement or contributing to a Roth instead of a pre-tax 401k? Other topics include: Financially Preparing for marriage –Can your marriage survive money issues? Money under 30 Join Rob Black and I for our Retirement Income...
Early life money mistakes can be harmful to your future. Don’t harm your retirement goals by making these top money mistakes.
June 27, 2019 00:37 - 38 minutes - 9.05 MBNo matter who is in the White House, businesses will find a way to keep making money. Cashing out under the belief that sitting presidents will singlehandedly ruin the economy is not only silly, it’s a major money mistake to make at any stage in life. Don’t make these dumb money moves. Focus on working towards financial freedom. Other topics include: Top financial planning mistakes Is your home the best investment you can make? High rate car loans Negotiating with your employer Ditc...
The SEC’s‘ best interest’ rule is making headlines. Can they do what the DOL was unable to do?
June 26, 2019 01:00 - 37 minutes - 8.87 MBThe SEC ‘best interest’ rule has been a big issue in the world of financial planning and is starting to make mainstream headlines. What does this new rule entail and what does it mean for financial planners and the people they help? Other topics: Why costs matter when it comes to the investments you choose Retirement income and tax planning strategies Why do annuities even exist? Join Rob Black and I for our Retirement Income and Tax Planning seminar at the Elks Lodge in Palo A...
Your new grad will be leaving for college before you know it. Are you financially prepared for this next big step?
June 19, 2019 18:55 - 40 minutes - 9.53 MBThe kids are home for the summer and while they’re kicking it with their friends, mom and dad are at work thinking about the next year of schooling. While you finalize your childs college plans, remember that 529 plans changed under the 2017 tax act. Today I explain what you need to know about funding your childs education. Other topics: Dividend achiever ETF’s Paying RMD taxes on non-IRA accounts Frequently missed planning opportunities Figuring out the best retirement income plan fo...
The fear of missing out on returns can be devastating to retirees, but economic cycles have been part of history for as long as we can remember. Be smart and stick to your retirement plan!
June 13, 2019 01:00 - 39 minutes - 9.15 MBThe stock market has been riding high for what feels like an impossibly long time. As a financial planner a common situation I deal with frequently is keeping your retirement plan on track when the market begs you to go all in or all out. Keeping a diversified portfolio just does better in the long run. Don’t let FOMO ruin your retirement! Other topics include: Different types of portfolios and returns Reasons why you shouldn’t be too aggressive right now if you’re close to retirement R...
Money is cheap and equity is high. Should you refinance your mortgage?
June 11, 2019 21:28 - 36 minutes - 8.55 MBTwo years ago we didn’t think we would be here, but interest rates have dropped once again. With real estate peaking and the stock market still performing close to all-time highs, many people are asking about refinancing their mortgages. Will refinancing make an impact on your wallet or will fees prevent you from breaking even? Other topics include: Single stock risks The changing world of annuities Email your money question to [email protected] , or call the show at 1-...
Trade wars are stirring up recession talks again. Keep your head on straight and resist the urge to let your emotions control your decisions.
June 04, 2019 19:52 - 37 minutes - 8.81 MBRecession questions have been popping up more lately. Not only are we seriously overdue for a market correction, but tough tariff talks with China could easily become its foundation. Should you go to cash or instead, take advantage of the opportunity to buy and forget about attending those shady investment seminars. Other topics include: The earnings recession What to do with your emergency reserves Calculating your safe money in retirement Social Security 2100 Act Are all annuities...
The market has rallied all year, yet according to the news the economy should be in total chaos. How did we get here and what should you do if the market sees another slowdown?
May 30, 2019 01:00 - 37 minutes - 8.49 MBThe news has been a little unsettling lately with another lackluster round of presidential candidates stepping forward, Teresa May stepping down after failing to Brexit, Chinese trade deals not going as planned and interest rates hitting a real low point. Despite all these negatives the market has rallied since the beginning of the year. What should you be concerned with as local bond markets call for another slowdown? Other topics include: Accumulating assets that provide passive income ...
Dividend achiever stocks pay a dividend even when the stock price is down and will even increase their dividend during negative economic cycles and stock market pullbacks. Still think timing the market is a brilliant plan?
May 22, 2019 22:11 - 39 minutes - 9.34 MBYou’ve heard me say it several times before, timing the market really is a terrible strategy no matter what age you are. Not only do you have to get out and back in at the right time, retirees also have to make up the money they lost from dividends and interest during those years. Ignore your gut and don’t sell when things are scary. It’s just not worth it. Topics include: Benefits of the passive income stock dividends provide Estate planning for a special needs family member How fancy ...
Financial freedom can be gained through thoughtful asset accumulation, however, asset protection is just as important while building wealth as it is when living off your what you have accumulated.
May 15, 2019 21:58 - 39 minutes - 9.29 MBAsset protection is an important piece of financial planning, but too often I see scammy seminars that try and sell you products that may or may not be right for you. Today I’m getting back the basics of asset protection which includes two main sections: building your wealth & protecting your wealth and ability to pull income. Other topics include: Disability& term life insurance Umbrella coverage for Carl Asset protection from the courts Identity theft & real estate protection Crea...
Interest rates are not going up as quickly as we all thought they would. How will low inflation rates affect your portfolio projections?
May 15, 2019 01:00 - 39 minutes - 36.6 MBWhen I got into the business 25 years ago the 10 year treasury was near 6% and retirees typically held a 50/50 stock to bond allocation. Although most of America is enjoying low inflation on most items, low rates on bonds and CDs along with high healthcare costs are hurting retirees. Be careful with your projections! Traditional projections just don’t work well in today’s market. Do you need to adjust your retirement strategy to deal with low rates for the foreseeable future? Other topics...
The dark side of retirement is not one that many people like to discuss even as it becomes a growing problem. Plan out what you want to do and how you’ll fund it to make your golden years actually golden.
May 09, 2019 01:00 - 38 minutes - 8.94 MBWay back in 2017 I shared and article which stated that out of 35 million retirees, 7 million suffer from some sort of depression. Since then 10,000 baby boomers have turned 65 every day and without any real savings or mental preparation it’s easy to see why alcohol and prescription medicine dependency is on the rise amongst seniors. Having a retirement plan can help ensure a better future. Are you ready? Other topics include: Dumb retirement mistakes Join Rob Black and I for our R...
The market goes from bottom left to top right. Is it possible that we already saw a bear market or are we at market all time highs?
May 07, 2019 19:41 - 37 minutes - 8.87 MBWhenever the market starts to hit high points people immediately begin to wonder if they should pull out of the market. My response: “Get used to it! You are going to spend roughly 70% of your life sitting at all time stock market highs. While the S&P 500 returned to September highs small cap stocks have a ways to go. Other topics include: The value of having a retirement plan How and why to donate out of your IRA after age 70 Analyzing your retirement tax planning strategy Mutual Fun...
You can start taking Social Security once you hit 62 years old, but is it a good strategy?
May 01, 2019 19:34 - 38 minutes - 9.02 MBSocial Security can be taken as early as age 62 and many people choose to do so either out of necessity or because they choose to do so fearing the money won’t be there later. Taking early Social Security while working not only reduces your benefits, but it is counted as taxable income. Unless you need it to make ends meet, delay Social Security until your full retirement age or later! Other topics include: Creating a budget Getting the most out of your credit cards Retirement readiness...
Q1 numbers are rolling in. Are we seeing the earnings recession we expected?
May 01, 2019 01:00 - 38 minutes - 9.05 MBOne of the things people were concerned about going into this quarter was an earnings recession. So far roughly 25% of companies in the S&P 500 have reported earnings and reports are averaging 5.3% above expectations. Today I discuss the expected earnings recession, the struggling healthcare sector and ongoing talks of a rate cut. Other topics include: Why most Americans do not have a written financial plan Mark has a question about the mechanics of Roth conversions How pensions and def...
An aging population is quickly becoming a major strain on Social Security. Can we fix the system before it’s too late?
April 24, 2019 18:27 - 38 minutes - 9.04 MBFor the next 19 years more than 10,000 people will reach the age of 65 and by 2050 the US will be home to 65.8 million retirees between the ages of 62-84; a whopping 113% increase! While we do not face the demographics issues similar to those of Japan, anyone currently under the age of 55 should be prepared to retire without Social Security. How do we fix the system before it fails? Other topics include: Managing taxes on investments –Which funds are tax inefficient? The power of dividend...
Opportunity Zone investing is getting a lot of attention in the Bay Area, but what issues has many investors keeping this capital gains deferral at arm’s length?
April 24, 2019 16:16 - 36 minutes - 8.51 MBOpportunity Zone investing may be an option for anyone with low basis stock to sell, defer capital gains tax and diversify into real estate. It may sound fantastic, but investors are wondering what will happen in 2026 when the tax code reverts? Other topics include: Correcting last weeks segment on inherited stocks What to think about as the S&P closes in on its September high Is elder abuse much worse than reported? What to do if you suspect someone is a victim of elder financial or ...
2018 was a rollercoaster of a year that showed why timing the market is a horrible strategy.
April 17, 2019 22:41 - 37 minutes - 8.9 MBI hope you didn’t panic out and sell during last year’s holiday correction. The first quarter of 2019 was the best start for a 60/40 balanced portfolio since 1991. The last 6 months should be enough to teach you not to try and time the market or invest emotionally. Instead, simply rebalance your portfolio when things feel a bit toppy and buy when the fear is high. Other topics include: Looking for signs of inflation How to tackle debt When is it a bad idea to rollover your old 401k to...
Should you liquidate that inherited stock? Are reverse mortgages a great retirement plan? Today it’s your questions and reasons to review your tax return
April 16, 2019 21:12 - 35 minutes - 8.38 MBThere’s nothing I love more than getting email questions from listeners. Not only does it provide great content for the show, but it helps me focus in on what you want to learn about. Today I answer questions you have sent me. Topics include: How executors, trustees and beneficiaries should handle inherited stock portfolios Using a reverse mortgage for a Plan B retirement situation Reasons to review your tax return after tax time if you are still saving for retirement Reasons to revie...
Having an arbitrary amount of money on hand is not a smart way to plan for emergencies. Always stick with a safe money goal that is relevant to you and your situation.
April 11, 2019 01:00 - 37 minutes - 8.83 MBWhether you’re on your own or supporting a family, it’s a good idea to have at least 6 months of emergency reserves around. For people who change jobs frequently I would recommend you increase this amount to a year’s worth of income. So how do you know how much safe money you really need and how does this amount change as you approach retirement? Other topics include: How incorporating saves on FICA taxes, but limits your ability to save for retirement Are Roth IRA’s useful if you’re over...
Getting your taxes done can be a confusing time, especially if you are self-employed. Today it’s all about self-employment and tax saving strategies.
April 02, 2019 19:02 - 37 minutes - 8.86 MBIf you’re self-employed you know that tax time can be an extremely daunting time. It can also be a bit of a surprise due to the way self-employment taxes work. Today’s podcast is for every self-employed individual who is feeling overwhelmed and completely lost as tax day approaches. Specific topics include: Benefits of self-employment What you need to consider before going self-employed Entity options: Sole proprietor, LLC, or S-Corp How does an S-Corp save taxes? Retirement pitfall...
Is the inverted yield curve giving you nightmares? Does your pet need an estate plan? Today Rob Black and I respond to your financial planning emails.
March 29, 2019 21:06 - 39 minutes - 9.14 MBIt’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 401...
Tax day is coming up quick. Make sure to have your extension filed if you need one and figure out if you can still contribute to your retirement account for 2018.
March 27, 2019 01:00 - 37 minutes - 8.77 MBTaxes 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 t...
Retirement planning is hard enough; don’t make these mistakes in retirement.
March 20, 2019 18:35 - 37 minutes - 8.75 MBRetirement 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...
Investors love to predict the next big move for the stock market, but nobody really knows what will happen next. How should you be looking at these predictions?
March 19, 2019 20:15 - 37 minutes - 8.81 MBFirst 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 Shou...
The market has been charging forward for a while now, but not everyone is benefitting. I share a story that explains why we need to teach our children about adulting.
March 15, 2019 01:00 - 36 minutes - 8.53 MBI 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...
We’ve had 5 straight quarters of double digit earnings growth, but ECB projections are stealing headlines. How will ongoing Brexit issues affect the market?
March 13, 2019 22:39 - 37 minutes - 8.7 MBQ4 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 a...
As people file taxes they will notice several changes. Many good….some bad.
March 06, 2019 23:46 - 37 minutes - 8.89 MBWhile 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 planni...
Running out of money is the top fear for people going into retirement. How do you make sure you don’t outlive your portfolio?
March 06, 2019 02:00 - 37 minutes - 8.9 MBThe 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 strategie...
2018 had a good jump in earnings. Is it all just taxes?
March 02, 2019 02:00 - 37 minutes - 8.87 MBOver 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 ...
HSA plans –The high deductible health insurance plan that doesn’t get enough love
February 21, 2019 02:00 - 37 minutes - 8.93 MBMore people are hearing about Health Savings Accounts at work and is a great plan that not everyone can afford, but should seriously consider if they can. For people with enough cash flow to handle this high deductible plan it can actually be a better way to save for college. Other topics include: Media slamming the tax cut package Is it worth funding a Roth 401k after age 60? Retiree fears Common stock vs. preferred stock dividends REITs Join Rob Black and I for our Retire...
Recession articles are increasing even in the face of positive job reports. News articles can cause people to make emotional investing decisions which often lead to mistakes.
February 19, 2019 23:14 - 37 minutes - 8.77 MBShould you be concerned when you see headlines regarding an imminent recession? Are low rates on bonds increasing the risk of outliving your money in retirement? Other topics include: Examples of how retirement will change over time Separating economic news from the stock market The biggest fears of most retirees Funding a Roth IRA after age 65 or 70 -Ok if you have EARNED income Join Rob Black and I for our Retirement Income And Tax Planning Seminar on Thursday, March 21 at...
Timing the market has never worked, but many people still panicked out after December’s sharp correction. Never let emotions get between you and your portfolio.
February 06, 2019 02:00 - 36 minutes - 8.6 MBIt happened. A lot of people panicked out at December’s end when the market correction bottomed out. Whether its stocks or real estate the market is impossible to time and most people never profit when they try. Today’s message: Do not let emotions get in the way when investing. Other topics include: 2018 in returns 2019 expectations What to do with your 401k after changing employers Better plans for the self employed Roth 401k vs. Roth IRA Email your money question to cha...
Roth 401k or regular 401k? This common question is one many people have when planning their retirement.
January 31, 2019 02:00 - 39 minutes - 9.28 MBIn 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 work...