Today I discuss Apple reporting its best profit ever despite dwindling iPhone sales and overall growth. I explain how energy related stocks like oil can make the entire S&P 500 look bad. I then give a quick synopsis of the topics that Rob Black, Michelle Lerman and I will expand upon at this Thursday’s 10 Pillars of Retirement seminar. Most people don't even know about the 4% withdrawal guideline, let alone the fact that it is in danger. I also tell you what you need to with your CPA about as you prepare for taxes.

Don't forget to register for our 10 Pillars of Retirement seminar on January 28th at the Elks Lodge in Palo Alto. Rob Black, Michelle Lerman and I will explain several issues that will increase your chances at an enjoyable retirement. Tickets are only $5 and begins after work at 6:30 p.m. this Thursday, 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.