New Focus on Wealth with Chad Burton

Looking for stocks that are trading at a discount is called value investing. Traditionally this is done by looking at the P/E ratio and right now the valuation gap between expensive and cheap stocks is the lowest it has been in 9 years. Now that investors are turning their attention to quality stocks, value investing is something you should be keeping your eye on as periods of underperformance are followed by periods of outperformance. Also: • Opportunity zone investing & 1031 exchanges • RMDs

News headlines are stoking fear by saying that an inverted yield curves predicts a recession within two years. Two years is an absurdly long time in the financial world. The factors that caused previous yield curve inversions not causing the yield curve inversion we are seeing today. No one doubts the global slowdown is occurring, but corporations are finding ways to adjust and do business.

Too many people are underprepared for retirement and much of it is due to a lack of basic financial education. You should never stop funding a 401k based on who the president is, what he is saying or whatever geopolitical news is dominating the headlines. stop losing out on free money that is costing you your own retirement! Other topics: • Do Roth IRA’s and 401k’s count towards each other? • Mega backdoor Roth IRA’s • Rollover decisions • What individual an 401k does that a SEP doesn't

Yesterday’s headlines were incredibly similar to those of last year’s correction. Daunting headlines and investor Alzheimer’s can cause some people to panic out of the market which will can result in retirement setbacks. Daily headlines don’t matter in the long run because YOU CAN'T TIME THE MARKET!: What happens if I miss a few of the best trading days? Morninstars market downturn tool kit Are annuities worth it? –The best interest rule Key things to have a plan for in retirement

Many people classified yesterday as a “tough day for the markets”, but if you follow market trends it looks a lot like your typical August. The Feds cut interest rates for the first time in more than a decade with the 10 year treasury sinking to pre-Trump numbers. The end result: the most extreme inverted yield curve since 2008. Other topics: • What are corporate earnings telling us? • Protecting yourself from port-out scams • 2 factor password protection • My favorite retirement allocation

Regular exercise and a proper diet are a key part of any retirement plan. Saving up a huge pile of money is no good if you end up spending most of it on doctor visits and prescriptions instead of vacations and grandkids. Do what you want in retirement simply because you can by focusing on your health before its too late! If you can do this the rest of your planning all falls under our 10 Pillars of Retirement Income Planning downloadable.

Right now the Feds are in a no-win situation. Leaving rates where they are is risky and Powell would be to blame for any signs of a recession. If they were considering lowering rates anyway it will look as if the Feds have caved to Trump’s pressure. What should we do in an economy where we don’t want a strong dollar? Also: • Gold hedge against inflation • Expansion of Government debt • Can you lose your home due to outstanding medical bills? • What mutual funds or ETF’s should Andy invest

Planning for retirement is more complicated than hitting that magic number between 1.5-2 million. Real planning and projections change every few years with the economy and financial Alzheimer’s can lead even educated individuals to make mistakes when the markets are exceptionally good or bad. That’s why we battle test your portfolio with six tests to determine if your portfolio will outlast you.

A lot of the major price movements that pushed the S&P up this year were due to trade issues and interest rates. We have to we have to bring things back to reality and figure out what is going on within the S&P. Remember the S&P is not an exact measure of the economy, only the largest 500 companies in America. Also: • Roth IRA contributions vs, Roth IRA conversions • Is now a good time to do a Roth conversion? • Garbage annuity products • Establishing an IRA with an investment group vs. a bank

Too often people enter retirement in poor health end up spending more time with doctors than doing what they want to do. Likewise, those who take care of their health usually end up living longer and will need more money to live. Money and health both need to be a priority in retirement if you plan on enjoying it. Topics include: • Retirement savings and fitness changes by age • How to lower tax consequences on company stock • Gifting appreciated stock • Student debt vs. Roth contributions

Cryptocurrency is big in headlines as Facebook explains plans for their own digital currency to Congress. Steve Mnuchin also did a briefing stating his concerns on the risks of digital currency while vowing that the treasury will crack down on law breakers as they find them. Can Facebook’s crypto survive between this and consumer trust issues? Other topics: • What bugs me about crypto even though it's here to stay • Crypto's volatility & use in illicit activities • Living a healthy retirement

Bonds play an important part in your portfolio, but historically low rates have some people feeling like bonds just aren’t worth it. Should people under 55 even bother looking at bonds? Today I answer your bond questions and more. Topics include: • Individual bonds vs. bond funds • Owning bonds when you are younger vs. older • Dividend aristocrat mutual funds and ETF’s as bond alternatives • Financial independence vs. retirement

A video of a 102 year old man participating in the 100 yard dash has gone viral. With the way medicine is advancing this could easily be the future for any of us. Part of getting there will mean having a portfolio set up that will outlive you. Are you prepared for a future where more people reach this major milestone? Today I explain the top reasons why you need a detailed financial plan going into retirement.

Can dividend income raise your effective rate? The biggest issue some people face in retirement is the ‘ticking tax time bomb’ of what their brackets might do once they hit the RMD period of their retirement. Could a possible solution be as simple as delaying retirement or contributing to a Roth instead of a pre-tax 401k? Other topics include: • Financially Preparing for marriage –Can your marriage survive money issues? • Money under 30

No matter who is in the White House, businesses will find a way to keep making money. Cashing out under the belief that sitting presidents will singlehandedly ruin the economy is a major money mistake to make at any stage in life. Don’t make these dumb money moves. Focus on working towards financial freedom. Also: • Top financial planning mistakes • Is your home the best investment you can make? • High rate car loans • Negotiating with your employer • Ditching health insurance