New Focus on Wealth with Chad Burton

In this episode, Rob Black and certified financial planner Chad Burton discuss various aspects of personal finance, particularly focusing on retirement planning and the current economic climate. They highlight an upcoming event on income and retirement scheduled for September 26th at the Juniper Hotel in Cupertino, California, where attendees can learn about tax planning, portfolio transitions, and social security. The conversation delves into the implications of the Federal Reserve's anticipated rate cuts, the performance of different market indices, and the importance of total return versus current income for retirees. They also address the significant amount of cash currently sitting in money market funds, emphasizing the need for individuals to invest wisely to combat inflation and ensure long-term financial stability. Additionally, they explore the complexities of annuities, discussing when they might be appropriate and the potential pitfalls associated with high fees and surrender charges. 

Tune in now to learn more!

Timestamps:

[00:02:00] Federal Reserve rate cut discussion.

[00:04:21] Yield curve inversion explained.

[00:10:12] $6.3 trillion in cash.

[00:11:15] Financial Alzheimer's and retirement planning.

[00:15:19] Investing at market highs.

[00:19:20] Smiley face spending in retirement.

[00:23:07] Financial Alzheimer's and market memory.

[00:27:37] Annuities and retirement planning.

[00:30:11] Annuities and their complexities.

[00:32:20] Annuities and retirement income risks.

[00:35:55] Retirement planning for income.

Email your money question to [email protected]

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com

See omnystudio.com/listener for privacy information.

In this episode, Chad & Rob discuss essential topics related to retirement planning and wealth management. They emphasize the importance of preparing for retirement well in advance, ideally starting serious planning around age 55, and highlight the need for a balanced portfolio that can withstand market volatility. Chad explains how to get started on a retirement plan by gathering key financial documents, such as investment account statements and tax returns, to create a comprehensive financial picture. They also delve into the significance of understanding average annual returns versus actual returns, particularly in the context of market fluctuations. The conversation touches on the impact of inflation on everyday expenses, including travel and food, and the necessity for individuals to adapt their budgets accordingly. 

Tune in now to learn more!

Timestamps:

[00:03:31] Retirement portfolio preparation strategies.

[00:07:28] Average annual rate of return.

[00:12:38] Charitable contribution strategies for wealth.

[00:15:48] Inflation's impact on budgets.

[00:18:27] September market volatility analysis.

[00:23:06] Total return in investments.

[00:26:29] Healthy food costs rising.

[00:30:42] Retirement strategies for self-employed.

[00:35:10] Estate planning and inheritances.

[00:00:00] Income and retirement planning.

Email your money question to [email protected]

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com

See omnystudio.com/listener for privacy information.

In this episode, Chad and Rob discuss the current economic landscape, focusing on inflation, taxes, and retirement planning. They analyze the recent inflation report and its implications for families and retirees, emphasizing the rising costs of essentials like food and gasoline. The conversation shifts to the political climate, particularly the recent debate, where both candidates are criticized for their lack of fiscal responsibility and tendency to increase government spending. Chad highlights the importance of utilizing Roth IRAs and Roth 401(k)s as strategic tools for tax-free growth, especially in light of anticipated tax increases in the future. They also explore the concept of the mega Roth 401(k) and the potential for after-tax contributions, providing listeners with actionable insights on how to effectively manage their retirement savings amidst a challenging economic environment. 

Tune in now to learn more!

Timestamps:

[00:01:38] Wealth Preservation and Retirement.

[00:05:34] Fiscal responsibility in politics.

[00:10:08] Fertility rate and financial pressures.

[00:11:25] Health insurance rate increases.

[00:15:01] Roth versus traditional 401k.

[00:19:32] Retirement planning and taxation.

[00:24:34] Mega Roth 401k option.

[00:26:27] Dividends and passive income.

[00:31:05] Roth IRA strategies for retirement.

[00:33:36] Roth IRA conversion strategies.

Email your money question to [email protected]

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com

See omnystudio.com/listener for privacy information.

This episode covers various financial topics related to personal finance, wealth management, and investment strategies. Chad discusses the importance of planning for retirement, including strategies for turning retirement savings into a reliable income source. He delves into umbrella insurance. How much do you need? How much does it cost? Inflation hitting insurance premiums? He dicusses using a 1035 exchange to improve cash value life insurance. Chad explores the benefits of 1031 exchanges for real estate investments and provides insights on leveraging real estate for wealth building.

Tune in now to learn more!

Timestamps:

[00:02:31] Roth 401ks and Roth IRAs.

[00:06:20] Money market funds and retirement.

[00:10:09] Retirement Planning and Wealth Preservation.

[00:13:37] Rising Umbrella Insurance Claims

[00:18:42] Long term care insurance.

[00:19:49] Wealth Preservation and Retirement Planning.

[00:25:13] Long-term care insurance options.

[00:27:30] Life insurance 1035 exchange.

[00:33:18] Real estate investment considerations.

[00:36:09] Real estate wealth-building strategies.

[00:37:48] Turning rental property into second home.

Email your money question to [email protected]

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com

See omnystudio.com/listener for privacy information.

This episode focuses on various financial topics discussed by certified financial planner Chad Burton. He covers updates on the stock market, including the performance of different indexes and the potential impact of NVIDIA's earnings report. Additionally, Burton delves into the proposed tax reforms by Vice President Harris, highlighting the potential implications on capital gains and taxes for high-income individuals. He also emphasizes the importance of strategic financial planning, particularly in terms of utilizing Roth accounts, charitable giving, and navigating changes in tax laws. 

Tune in now to learn more!

Timestamps:

[00:01:23] Retirement planning for lifetime income.

[00:05:22] Earnings Growth Rates in Markets.

[00:10:23] Taxes and tax reform.

[00:14:32] Taxation and Child Nutrition.

[00:18:28] Taxes and Capital Gains Rates.

[00:23:21] Government accountability and taxes.

[00:25:40] Roth 401ks and Roth IRAs.

[00:30:29] Tax-free growth forever.

[00:32:27] Charitable Giving Strategies.

[00:35:28] Charitable IRA Contributions.

[00:15:42] Chad Burton dot com.

Email your money question to [email protected]

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com

See omnystudio.com/listener for privacy information.

This episode focuses on various financial topics, including market updates, identity theft protection, and planning for long-term care costs. Certified financial planner, Chad Burton, discusses the current market trends, such as the performance of different ETFs and the impact of interest rates on bond investments. He also delves into the importance of protecting oneself from identity theft by using credit freezes, monitoring services, and strong password practices. Additionally, Burton highlights the options available for long-term care insurance, including pure insurance policies and hybrid life insurance policies. He emphasizes the significance of tax planning in managing healthcare expenses and provides insights on how to navigate financial challenges related to aging and healthcare. Tune in now to learn more!

Timestamps:

[00:00:53] Market update real quick.

[00:05:20] Market Cap Weighted Price Ratios.

[00:09:45] Identity theft and cybersecurity.

[00:12:39] Credit freeze and fraud alerts.

[00:16:27] Identity theft protection

[00:20:26] Identity theft protection.

[00:24:10] Email scams and security awareness.

[00:29:48] Digital assets in estate planning.

[00:33:23] Long-term care insurance issues.

[00:36:00] Hybrid life insurance policies.

Email your money question to [email protected]

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com

See omnystudio.com/listener for privacy information.

This episode focuses on various financial topics discussed by Certified Financial Planner, Chad Burton. He provides a market update, discussing the performance of different indices and the impact of interest rates on investments. Chad also delves into the debate between active and passive investing, particularly in the context of large-cap stocks. He emphasizes the importance of asset allocation, tax implications under the 2017 Tax Cuts and Jobs Act, and the potential consequences of the tax cut expiring. Additionally, Chad touches on the benefits of smart beta indexing and the significance of government accountability in financial planning. Throughout the episode, he offers insights and advice on managing investments, tax planning, and retirement preparation.

Timestamps:

[00:02:54] Bond Market Performance.

[00:05:29] Interest rates and recession predictors.

[00:09:20] Maximizing Cash Investments.

[00:13:31] Total return on investments.

[00:17:27] Active vs. passive investing.

[00:20:48] Large Cap Investing Strategies.

[00:26:07] Active vs. passive management.

[00:27:55] Asset allocation for retirement.

[00:33:28] Tax implications for California and Oregon.

[00:35:14] Tax law changes analysis.

Email your money question to [email protected]

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com

See omnystudio.com/listener for privacy information.

This episode focuses on the recent market volatility, the importance of asset allocation, and the impact of recent economic events on investments. Chad also delves into the intricacies of rental properties, insurance coverage, and the use of target date funds in retirement planning. He provides insights on the benefits and drawbacks of target date funds, emphasizing the need for a personalized financial strategy as individuals approach retirement. Additionally, Chad touches on the significance of proper asset management, especially during retirement, to navigate market fluctuations and ensure financial stability.

Timestamps:

[00:01:56] Timing the Stock Market

[00:04:06] Asset Allocation and Wealth Management.

[00:08:27] Political polling and cell phones.

[00:14:34] Timing the market is silly.

[00:17:03] Owning rental property in an LLC.

[00:19:29] Rental property investments.

[00:24:07] Real Estate Investment Strategies.

[00:27:20] 721 Exchange and REIT Benefits.

[00:32:51] Umbrella insurance for asset protection.

[00:36:13] Retirement investment strategies.

[00:37:39] Retirement date funds discussed.

Email your money question to [email protected]

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com

See omnystudio.com/listener for privacy information.

This episode discusses various financial topics, including market updates, strategies for selling covered calls to create income on large stock positions, estate planning considerations, capital gains tax implications, and the flexibility of 529 plans for education savings. Chad provides insights on the pros and cons of different financial strategies, such as transferring funds from 529 plans to Roth IRAs and the importance of considering risk versus tax savings when making financial decisions. Additionally, the episode touches on the evolving landscape of education and the potential need for reevaluation of traditional college education in light of changing job markets and specialized training opportunities.

Timestamps:

[00:02:36] Market update and Fed day.

[00:04:25] Small cap companies and interest rates.

[00:10:26] Covered calls for income.

[00:11:52] Selling covered calls for income.

[00:17:09] Selling calls for current income.

[00:22:05] Capital gains tax rates.

[00:23:23] Tax implications of stock sales.

[00:28:27] 529 plans basics.

[00:30:14] Maximizing 529 Plan Benefits.

[00:35:34] Changing landscape of college education.

[00:38:13] Specialized Training in Financial Planning.

Email your money question to [email protected]

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com

See omnystudio.com/listener for privacy information.

In this episode, Chad & Rob discuss the sudden shift on Wall Street towards rewarding small cap companies, particularly the Russell 2000 which is up 11.7% year to date. Patrick O'Hare from briefing.com explores the unprecedented move and its impact on the market and reflects on the fast-paced nature of this change and compare it to historical trends, providing valuable insights for listeners navigating the evolving landscape of finance and investing. The conversation delves into advanced estate planning strategies, tax-efficient retirement portfolio building, and the importance of diversification in investment portfolios. Chad emphasizes the need for individuals to start planning for retirement and wealth preservation about 10 years before retirement, focusing on budgeting, income projections, and tax considerations.

Timestamps:

[00:02:24] Small caps market shift.

[00:04:51] Trump, Taiwan, and semiconductor risks.

[00:10:22] Market valuation and Buffett Indicator.

[00:13:52] Market changes and trends.

[00:18:49] Politics impact on retirement planning.

[00:22:27] Advanced estate planning strategies.

[00:24:37] Estate planning strategies.

[00:27:16] Estate planning strategies.

[00:33:33] Advanced estate planning ideas.

[00:34:42] Retirement planning strategies.

[00:39:29] Roth IRA conversion strategies.

[00:44:28] Concentration in single stocks.

[00:46:01] Planning for retirement and budgeting.

Email your money question to [email protected]

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com

See omnystudio.com/listener for privacy information.