Being able to tell people you own a corporation just sounds cool. Though the phrase might is indeed fun to throw around, the responsibilities and everything that follows are not. Health insurance benefits, 401k match and disability benefits go away... but at least your taxes go up! Today I tackle self employment issues, maximizing your retirement savings and how to minimize the dreaded self-employment tax. Other topics: Looking at how the stock market preformed last month Are stimulus checks taxable? Managing your cortisol and inflammation levels   Email your money question to chad@newfocusfinancial.com , 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. 

New Focus on Wealth with Chad Burton

Thinking about starting your own business? There are a lot of things you need to plan for before you can go around bragging about running your own corporation.

What Rob likes about sitting in for me is it makes him think in a big picture way instead of stories. Key economic indicators are weirdly inverted, which is usually a bad sign. Massive amounts of stimulus means markets are rallying higher than pre-covid times, but mounting civil unrest makes you wonder what is enough to derail us. So far, the answer is “No”. Today Rob talks about his biggest issue with the market and what we can do to get over it. Other topics include: The stock market as a gauge of fear Covid earnings season review Life & disability insurance   Email your money question to chad@newfocusfinancial.com , 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. 

Civil unrest is surging across the nation and historically it hasn’t harmed the market. Rob takes over today to discuss what economic factors do bother him.

Is 2020 over yet? It’s been one disaster after another, but the S&P 500 climbs a wall of worry and is barely down for the year. The S&P is tech heavy these days and tech is very important for the newwnew from home trend. Today I look at the crazy weekend and the rallying market. other topics include: How low bond yields are making retirement goals harder to reach Why bond alternatives might look good going forward   Email your money question to chad@newfocusfinancial.com , 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.

2020 has been a complete disaster of a year – unless you are looking at the stock market

I always tell people, if you want to become a small business owner, you need to make 130% more than what you are making now. Self-employment tax, lack of 401k match and health insurance costs add up for the self-employed. Small business owners that get paid in cash, and didn’t report all of their cash income, ended up with fewer benefits under the CAREs act. Being self-employed is great... if you have a plan and know what you need to make to break even Other topics: Is the stock market doing as poorly as people think & can stocks rise in a recession? A review of what causes recessions Dealing with renters who are unable to pay Best practices for commercial lease challenges from landlord and tenant perspectives with real estate attorney Jeff Lerman   Email your money question to chad@newfocusfinancial.com , 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. 

Many small business owners are closing their doors for good. What can the survivors do to stay afloat if we have a second or third Covid outbreak?

Most real estate investment trust (REITs) are publicly traded stocks with a different tax structure requiring a higher income payout to investors. Some REITs looked expensive before COVID struck and now, with more people working from home, we are left wondering what will happen to office REITs. Will income drop? The gut reaction is to expect them to decline in value, but there is one argument that a greater demand could follow. Other topics: Why investors still like REITs Inflation or deflation? Why retirement planning seems more daunting now & what you can do about it   Email your money question to chad@newfocusfinancial.com , 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. 

Everyone expects corporate REITs to take a dive, right? Here’s a logical argument where the demand for more office space actually increases.

Big moves up and big moves down.  Get used to increased volatility in retirement. We flattened the curve.  Now we are hearing more about vaccines and treatments and he market rallied in response, however, some are on the brink of financial disaster as they are still waiting for unemployment checks and a call back to work.  Some small businesses and restaurants have closed for good.  While taking caution, it’s time to get out there and get things moving again before we cause a depression. Other topics include: Troubled marriages hit a breaking point thanks to too much time together Should I wait till the economy recovers to retire? Tax loss strategies - turning a negative into a positive Helping your child during the crisis   Email your money question to chad@newfocusfinancial.com , 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. 

Big moves up and big moves down. Some states are reopening and we are all hoping we can get back to some resemblance of normal.

We are in a special economic situation right now as a result of COVID and the oil war. Today I bring in Erik Knutzen, CFA, and Managing Director of the Neuberger Berman Quantitative and Multi-Asset Class investment team, who has come up with three scenarios for economic recovery. Listen in and check out what Erik has in his investment playbook! Other topics: Does diversification save you money on the downside? Finding bargains and themes that drive opportunity Dislocation Idiosyncratic ideas   Email your money question to chad@newfocusfinancial.com , 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. 

Investors everywhere are scrambling, trying to figure out how the economy will recover. CIO Erik Knutzen steps in to share three recovery scenarios we will likely see.

Companies en masse have withdrawn guidance. Legally it is a good way of protecting themselves, but it leaves investors to fly blind. Still, some companies are beating quarterly expectations if they changed their expectations 30 days out. Other topics include: Real estate Oil jumps 13% Experimental coronavirus vaccine COVID responsibility A future under COVID   Email your money question to chad@newfocusfinancial.com , 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. 

Companies don’t know how to predict their own future. What do investors do now that they have been left in a lurch?

Coronavirus has quickly changed how we work and live. People may continue to work from home following the pandemic which could affect office oriented real estate. If people are allowed to work from home, will they leave the Bay Area? Other topics include: Financial options for getting through the pandemic Junk bonds returns vs stocks Safe money in IRA’s & 401K’s Inflationary issues     Email your money question to chad@newfocusfinancial.com , 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. 

More people than ever are working from home. If this continues, how will it affect markets such as real estate?

If you cashed out in late March, you may have massive regret as the market has posted a significant rally since the March 23rd low. Today I go over the best case, middle case and worst case scenarios of economic recovery. Also: Who gets a stimulus check? Valuation in small cap stocks 2020 IRA RMD waiver under the CARES Act   Email your money question to chad@newfocusfinancial.com , 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. 

Can The stock market sustain current levels? One listener asks if they should stay 100% in money market funds or CD’s until the future is more clear.

The average consumer is getting tired of not being able to visit their favorite local businesses. Small business owners are weighing the effects of keeping the economy shut down vs. proceeding with caution. Though most people are getting their income by safely working from home, the Payroll Protection Program has failed to provide for the businesses currently lacking the income needed to stay afloat. Other topics include: Explaining the USO ETF Effects of the stock market An economy coming back changed Actively managed funds The chances of a global depression What should you be doing for retirement?     Email your money question to chad@newfocusfinancial.com , 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. 

The Payroll Protection Program was unsuccessful and now small business owners are aching to restart the economy before their doors shut for good. Will keeping the economy closed be more disastrous than reopening under strict guidelines?

Saving the world by staying at home. Clearly these are special times even though we are itching to get back to work. Stocks are set to rally today on the promise of a better coronavirus treatment in the works. Today Rob Black takes over to discuss the newest hope of the COVID pandemic. Other topics include: The other side of COVID stocks #fakenews on Facebook Reopening the economy Investment angles going into COVID, during COVID and after COVID Are we hitting peak bottom?     Email your money question to chad@newfocusfinancial.com , 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. 

Can a COVID vaccine save more than lives? The market is set to rally giving investors hope as an improved coronavirus treatment emerges.

March was the wildest ride for the stock and bond market I have seen in the 25 years I have been in the business. Headlines range from anywhere between equity and small cap markets having the best weeks in decades to the rising number of people filing for unemployment. So what really happened in the market? Is it a tough place to thrive, are we crushing it or is it a bit of both? Topics: Is this type of movement normal? The bond market not working properly Access to cash and credit markets Emergence of corporate issues Getting your portfolio back on track   Email your money question to chad@newfocusfinancial.com , 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. 

March was the craziest month we have experienced by far. Let’s review some of the things that have happened so far.

Today I dissect the largest fiscal rescue/stimulus package we have ever seen. Will it be enough? The CAREs Act includes financial rescue options for individuals and businesses. The options for small businesses can be very confusing. Can the SBA even handle the process? Eventually the stock market will bounce back and this will end up being a blank spot in the “timeline” of credit market; in terms of loan and mortgage payments. Today I discuss the issues that CFP®s, CPA’s and lawyers are trying to figure out. Topics include: Economic Injury Grant of $10,000 Mortgage forbearance Options for Self-employment How does the CARES Act Recovery Payment of $1,200 work Payroll Protection Loan Program –PPP Deferring payroll taxes – what’s the catch? No more RMD’s for 2020   Email your money question to chad@newfocusfinancial.com , 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.

The CARES Act is frustrating for even the brightest financial planners and CPAs’. Here are the issues we are dealing with right now

This quarter was the most volatile in my 25 year career. The S&P 500 jumped 5% from the beginning of the year to 2/19 then dropped -34% until the recent bottom on March 23rd at which point the market rebounded 15% by the end of March. The S&P 500 is down 20% since the start of the year and small and mid-cap stocks are down even further. The bond market also declined and had the most volatile ride I have ever seen until the feds put in a “backstop” on March 23rd.  Listen and find out where I see value, how I am rebalancing and how I am tax loss harvesting. I also talk about the CARES Act and how it helps reduce taxes on RMDs for retirees and provides funding for small business. I explain what happened in the credit and bond market dissecting the CARES Act and the Payroll Protection Program -PPP Avoiding Required Minimum Distributions for 2020 Explanation of the bond market and potential opportunities in different asset classes My views on this event vs. The Great Recession See The NewFocus Financial Group Facebook page for links to help small businesses     Email your money question to chad@newfocusfinancial.com , 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. 

What the heck happened in the stock and bond market this last quarter?!

Certified 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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New Focus on Wealth with Chad Burton

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