Do you hold stock through your company? I share how to handle stock when approaching retirement, the number 1 rule for stock option planning and basic types of stock options. I also explain when you should consider selling and how to correctly report taxes so you don’t end up paying twice. Other topics include:

• Flip-flopping passive and active investment strategies
• Jamie asks a question about getting her parents to qualify for MediCal
• Working past 70 ½ and rules for contributing to IRA’s
• ABLE Accounts, a 529 type plan for individuals with special needs
• Where to hold safe money when most of your retirement assets are in a 401k
• A concerning question about the best investment sectors for couples close to retirement

Don’t forget to register for our Retirement & Wealth Preservation seminar on September 10 at Four Points by Sheraton in San Rafael where Rob Black, Michelle Lerman and I will cover strategies to help with complicated retirement wealth and estate plans. Registration is only $5 so 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

Chief drone pilot of DroneU Paul Aitken calls in to explain new drone laws, safety concerns and how drones will be used in the near future. He also talks about economic opportunities such as preparing our children for future jobs involving drones. Other topics include:

• Investing in growing industries
• Preview of our upcoming seminar
• The BENES Act which aims to fix ridiculous Medicare penalties
• Best approach to tackling debt
• Which age should you begin paying off your mortgage?

Interested in learning more about drones from Paul? Check out his podcast HERE.

Don’t forget to register for our Retirement & Wealth Preservation seminar on September 10 at Four Points by Sheraton in San Rafael where Rob Black, Michelle Lerman and I will cover strategies to help with complicated retirement wealth and estate plans. Registration is only $5 so 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.

Rob Black sits in and talks about some of this quarters biggest headlines including Stanley Fischer’s comments on productivity, growth and rates, Apple owing €13 billion in taxes to Ireland, crude oil, Walmart buying Jet and an ISIS leader reportedly killed in Syria. Other topics include:

• Retirement expenses to plan for now that people are living longer
• Retirement seminar insights
• A poll about biggest financial regrets
• Story investing and other bad financial decisions

Don’t forget to register for our Retirement & Wealth Preservation seminar on September 10 at Four Points by Sheraton in San Rafael where Rob Black, Michelle Lerman and I will cover strategies to help with complicated retirement wealth and estate plans. Registration is only $5 so 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.

Is a new tax code on the horizon? I discuss the US Treasury Departments’ proposal to eliminate a strategy that allows business owners to reduce estate and gift taxes for their heirs. I also discuss S&P 500’s above average revenue and earnings performance even though 5 sectors report year over year declines and Japan’s flattened GDP issues which are worse than ours. Other topics include:

• Solutions to excessive 401k fees
• passive vs. active managed funds
• New parent Joe asks if I recommend a New York or Utah 529 plan
• Warning against variable annuities with surrender charge

Don’t forget to register for our Retirement & Wealth Preservation seminar on September 10 at Four Points by Sheraton in San Rafael where Rob Black, Michelle Lerman and I will cover strategies to help with complicated retirement wealth and estate plans. Registration is only $5 so 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

How much money will you need to retire? Rob weighs in on retirement planning mistakes which includes fixed and variable budgeting, optimizing your income gap and red flags you can’t afford a mortgage. Also in discussion:

• Delta Airlines going offline for 3 days
• Mortgage myths
• Financial problems that arise as you age

Don’t forget to register for our Retirement & Wealth Preservation seminar on September 10 at Four Points by Sheraton in San Rafael where Rob Black, Michelle Lerman and I will cover strategies to help with complicated retirement wealth and estate plans. Registration is only $5 so 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

I express my frustration over parents who sacrifice their retirement plan due to college costs and the lack of wage inflation among the middle class. I then talk about the American Opportunity Tax Credit which can shave $10,000 off the cost of a college education, explaining where to find more information and who is eligible. Other topics include:

• Fatal flaws that caused the death of traditional retirement planning
• Listener Charles emails regarding a misleading annuity offer assuming a 5.2% rate of return
• How to avoid taxes on social security
• Dividend achiever stocks
• Insurance mistakes

Don’t forget to register for our Retirement & Wealth Preservation seminar on September 10 at Four Points by Sheraton in San Rafael where Rob Black, Michelle Lerman and I will cover strategies to help with complicated retirement wealth and estate plans. Registration is only $5 so 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.

Do you hold stock through your company? I share how to handle stock when approaching retirement, the number 1 rule for stock option planning and basic types of stock options. I also explain when you should consider selling and how to correctly report taxes so you don’t end up paying twice. Other topics include:

• Flip-flopping passive and active investment strategies
• Jamie asks a question about getting her parents to qualify for MediCal
• Working past 70 ½ and rules for contributing to IRA’s
• ABLE Accounts, a 529 type plan for individuals with special needs
• Where to hold safe money when most of your retirement assets are in a 401k
• A concerning question about the best investment sectors for couples close to retirement

Don’t forget to register for our Retirement & Wealth Preservation seminar on September 10 at Four Points by Sheraton in San Rafael where Rob Black, Michelle Lerman and I will cover strategies to help with complicated retirement wealth and estate plans. Registration is only $5 so 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.

Is any job safe? Today Rob Black learns about a robot that makes sushi and wonders how automation will affect jobs in the future. He also discusses perks to using credit cards over debit cards in several situations and why he carries 3-4 different cards. Other topics include:

• Beneficial investing and saving apps
• Unqualified people in the insurance industry
• What should your asset allocation be when planning for retirement?
• Peer to peer lending

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.

Today I explain to Rob how credit and inflation cycles affect the 4% withdrawl rate in retirement and why you need to constantly track your expenses, returns and net worth in retirement. I discuss what you should cover in a financial review and respond to questions on:

• How to simplify taxes and withholding in retirement
• Paying taxes in retirement
• Is real estate an attractive investment right now?
• Owning REITs vs. apartment buildings
• Cashing in a $2 million life insurance policy bought in a trust (ILIT)10 years ago

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.

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.

Is a new tax code on the horizon? I discuss the US Treasury Departments’ proposal to eliminate a strategy that allows business owners to reduce estate and gift taxes for their heirs. I also discuss S&P 500’s above average revenue and earnings performance even though 5 sectors report year over year declines and Japan’s flattened GDP issues which are worse than ours. Other topics include:

• Solutions to excessive 401k fees
• passive vs. active managed funds
• New parent Joe asks if I recommend a New York or Utah 529 plan
• Warning against variable annuities with surrender charge

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.