Should we continue investing globally instead of focusing on our own economy? World markets are reaching new levels but the US dollar sinks to 10 month lows. Believe it or not this is actually good if you are looking at emerging and international developed markets. Other topics include:

• Is the stock market pushing forward on Trump hopes for tax reform and a new NAFTA deal?
• Could a “stealth bear market” for long term bonds be out there?
• The dangers of bond funds
• Why REIT’s make me queasy
• Real estate as part of your wealth and flipping houses for income
• Monitoring your expenses before and in retirement
• Fixing annuities and life insurance policies you should not have bought

Email your money question to [email protected] , 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.

There are several major risks that can harm your retirement and the biggest one right now is the one that has been helping your stocks and real estate. Today I explain how the relationship between bonds and interest rates has resulted in lower than normal income for retirees. Will your portfolio be able to keep up with inflation even when low interest rates are being offset by shockingly low capital gains taxes? Other topics include:

• Having a detailed withdrawal strategy so you won’t be subject to the order of returns in retirement
• Timing the market in retirement
• Dealing with market all time highs
• Are target retirement date funds a good idea for you?

Email your money question to [email protected] , 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.

Subtle changes in now can have big changes on your portfolio in the future. Today I explain how sensitive a retirement plan can be to situations that go beyond healthcare. I also discuss timing the market in retirement and how it can be trickier than when you are younger and building wealth. A poor withdrawal strategy hurt you and your legacy! Other topics include:

• When do you want to have a mortgage entering retirement?
• How to fix an old life insurance policy that is falling apart
• How self-employed people hurt themselves with taxes by incorporating
• Roth 401k vs. standard 401k’s

Planning for retirement can be complicated, but focusing on a few essential issues could help increase your income in retirement and your chances of enjoying a secure future. Join Rob Black and I for lunch at our 11:00 a.m. retirement seminar this Thursday in Burlingame. Click HERE to sign up!

Email your money question to [email protected] , or call the show at 1-800-516-1220. Join me at my new show time with Rob Black on Tuesday and Wednesday 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.

30 year bonds approach historical lows, but Warren Buffett’s recent comment about the investment may have been taken out of context. Today I explain which generation he was addressing with his comment and why it should not be taken as a blanket statement to not own bonds at all. Other topics include:

• Bonds and millennial investing
• Cash outflow issues in retirement
• What to do with emergency cash reserves
• Excuses not to buy or invest right now
• Two funds to be aware of in your 401k
• Longevity and how to take these articles with a grain of salt

Planning for retirement can be complicated, but focusing on a few essential issues could help increase your income in retirement and your chances of enjoying a secure future. Join Rob Black and I for lunch at our 11:00 a.m. retirement seminar in Burlingame on July 13th. Click HERE to sign up!

Email your money question to [email protected] , 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.

Many families spend $50,000+ annually on their children attending 4 year universities. Lisa Steele joins me today to explain how to make sure your child chooses the right college and how you can make the most out of this investment. Together we explore questions your child should be asking on college tours, what he or she can do to ensure their social happiness and statistics to look out for that are more telling than 4-year graduation rates. Lisa also explains how early you should start the application process and how your child should go about writing about their college essay. Other topics include:

• FICA taxes and other self-employment topics Rob Black and I will cover at our July 13th seminar
• Shiela asks what is the best way to invest her money for the down payment on a house in 6 years
• Shiela also wonders if her portfolio is too heavy in international stock when she is 29 years from retirement
• Stuart’s wife is in a full time nursing home and can’t apply for Medi-Cal because of a large IRA and rental property. What are his options for covering her medical expenses the next few years?

Planning for retirement can be complicated, but focusing on a few essential issues could help increase your income in retirement and your chances of enjoying a secure future. Join Rob Black and I for lunch at our 11:00 a.m. retirement seminar in Burlingame on July 13th. Click HERE to sign up!

Email your money question to [email protected] , 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

Summer has finally kicked off and wedding invitations are in the mail. Today I discuss things to do before and after your wedding, especially if this is a second marriage for you or your future spouse. For instance, how will your income change depending on alimony and child support? What does your postnuptial agreement cover that the prenuptial doesn’t? Other topics include:

• The amazing amount of denial as investors snap up junk bonds and ignore current market returns
• Long term portfolio draw and return strategies in retirement
• Same-sex marriage and social security
• Health as part of your retirement plan- DO NOT let your health force you into an early retirement
• Projecting healthcare costs in retirement

Planning for retirement can be complicated, but focusing on a few essential issues could help increase your income in retirement and your chances of enjoying a secure future. Join Rob Black and I for lunch at our 11:00 a.m. retirement seminar in Burlingame on July 13th. Click HERE to sign up!

Email your money question to [email protected] , 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

Many families spend $50,000+ annually on their children attending 4 year universities. Lisa Steele joins me today to explain how to make sure your child chooses the right college and how you can make the most out of this investment. Together we explore questions your child should be asking on college tours, what he or she can do to ensure their social happiness and statistics to look out for that are more telling than 4-year graduation rates. Lisa also explains how early you should start the application process and how your child should go about writing about their college essay. Other topics include:

• FICA taxes and other self-employment topics Rob Black and I will cover at our July 13th seminar
• Shiela asks what is the best way to invest her money for the down payment on a house in 6 years
• Shiela also wonders if her portfolio is too heavy in international stock when she is 29 years from retirement
• Stuart’s wife is in a full time nursing home and can’t apply for Medi-Cal because of a large IRA and rental property. What are his options for covering her medical expenses the next few years?

Planning for retirement can be complicated, but focusing on a few essential issues could help increase your income in retirement and your chances of enjoying a secure future. Join Rob Black and I for lunch at our 11:00 a.m. retirement seminar in Burlingame on July 13th. Click HERE to sign up!

Email your money question to [email protected] , 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.

Summer has finally kicked off and wedding invitations are in the mail. Today I discuss things to do before and after your wedding, especially if this is a second marriage for you or your future spouse. For instance, how will your income change depending on alimony and child support? What does your postnuptial agreement cover that the prenuptial doesn’t? Other topics include:

• The amazing amount of denial as investors snap up junk bonds and ignore current market returns
• Long term portfolio draw and return strategies in retirement
• Same-sex marriage and social security
• Health as part of your retirement plan- DO NOT let your health force you into an early retirement
• Projecting healthcare costs in retirement

Planning for retirement can be complicated, but focusing on a few essential issues could help increase your income in retirement and your chances of enjoying a secure future. Join Rob Black and I for lunch at our 11:00 a.m. retirement seminar in Burlingame on July 13th. Click HERE to sign up!

Email your money question to [email protected] , 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.

Many listeners are receiving notifications of rate increases on their long term care insurance policy. Is it generally better to swallow the rate hike or should you reduce your benefits till it’s affordable? What are your long term care insurance options as a business owner and explain requirements you need to meet before you can write off any expenses. Today I answer your insurance and investing questions:

• What is a hedge fund and do I have any recommendations?
• The new DOL fiduciary rule where fiduciaries will have to document fees and prove your best interests are being put first
• What is the difference between charitable gift funds and charitable remainder trusts?
• When do you consider a family foundation?
• The sandwich generation- claiming your adult children and parents as dependents

Planning for retirement can be complicated, but focusing on a few essential issues could help increase your income in retirement and your chances of enjoying a secure future. Join Rob Black and I for lunch at our 11:00 a.m. retirement seminar in Burlingame on July 13th. Click HERE to sign up!

Email your money question to [email protected] , 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 S&P was the focus of last week with the Feds announcing they were going to raise federal funds rate. Are we seeing an increase in estimates for bank earning as a result of another rate increase? Will banks be able to grow revenue and lend without excessive regulations? The midyear “doom and gloom” strategists are out predicting US markets to stay flat and we are due for a decent correction. I also discuss why you should consider investing globally as emerging markets make up 40% of global growth. Other topics include:

• Why you shouldn’t worry when financial gurus forecast the next financial disaster
• Lucy asks if she should accept the 15% rate increase from her long term care insurance policy or reduce her benefits
• Realistic planning for retirement when you’re way behind
• 1035 Exchange- one option for using life insurance to pay for long term care costs
• Should Dave shift all of his contributions to a Roth 457?

Planning for retirement can be complicated, but focusing on a few essential issues could help increase your income in retirement and your chances of enjoying a secure future. Join Rob Black and I for lunch at our 11:00 a.m. retirement seminar in Burlingame on July 13th. Click HERE to sign up!

Email your money question to [email protected] , 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.