New Focus on Wealth with Chad Burton

The 2017 tax cut has drastically changed the way taxes work. Most people in America will no longer itemize their deductions, which has charities frightened that people will stop donating. This could be a very real problem should anybody reconsider giving charitably if they don’t think they’ll get government kickback.

Earnings and revenue growth are up, but volatility has returned to the market. Not only do we now have trade issues causing uncertainty in the market, but a divided congress gives little hope for any change in the future. Today I pick apart the market to try and find out why expectations have come down in a time where growth has outperformed value. Other topics include: • Qualified Opportunity Zone program • Tax planning for retirement • Where to keep your safe money before entering retirement

Election results are in and the Democrats have a house majority... which means investing with gridlock trade is the new hot topic. These elections also served a warning sign to Trump as many of the states that supported his presidency voted democrat. What is going to happen to the market? Other topics: • RESA-Retirement Enhancement Savings Act • Should you expect social security in your retirement plan? • Effect of taxes on your retirement income • Are you saving enough for retirement?

Despite the talk of the market topping out, the economy is still getting stronger thanks to increased job growth, participation rates and wages. These factors are sure signs for the Feds to raise ratese. Is a December rate hike all but set in stone for this year? Other topics: • What is causing the market slowdown • Being only an index investor • Debt exposure of small cap indexing • What to do with risky long term care insurance policies • Should you let your term insurance expire?

Today may be Halloween, but next week is when spooky stuff starts arriving in the mail. Overall the market is flat on the year, but bonds for the most part are negative. Sometimes we see these points where several asset classes fall at the same time which can be a problem for retirees who average out of classes. Is your portfolio doomed to sell when things are down? Other topics include: • Rising rates, wage inflation & the need for revenue growth • ETF’s vs. mutual funds • Scary financial mistak

Yesterday’s positive to negative move was a prime example of what has been driving the recent rapid volatility increase; investor Alzheimer’s. Investors have gotten so used to going from bottom left to top right that many forgot what a normal market looks like, but is the stock market really that bad? Also: • Putting slowed growth in perspective • Year-end tax projections • Logical and illogical fears driving future markets • Maximizing benefits from medical expenses • Retiring in a down

This podcast is a shortened version of Wednesdays radio show Bloodbath, plummeting, rapid decline. These are the words the media uses to destroy your confidence in the stock market. The trade issues are causing a slow down so earnings growth expectations for 2019 and 2020 are in question. Yes the NASDAQ is in "correction" but is still positive for the year. The S&P and Dow have merely lost the gains for the year. Also: • What to do during a correction • Delaying retirement by just 1 year

Bloodbath, plummeting, rapid decline. These are the words the media uses to destroy your confidence in the stock market. The trade issues are causing a slow down so earnings growth expectations for 2019 & 2020 are in question. Yes the NASDAQ is in "correction" but is still positive for the year. The S&P and Dow have just lost the gains for the year. • What to do during a correction • Delaying retirement by just 1 year • Midterm elections • Defined Benefit Plans and Mega Roth for self employed

Sales took a major hit after Trump said he would support a boycott of Harley Davidson should they move production overseas. While sales aren't shrinking, margin costs are and all fingers point to trade issues. Are we still meeting our expected Q3 growth numbers despite higher costs? Also: • Is bull market over? • What to do if a market correction is around the corner • Cryptocurrency calls from Nouriel Roubini • Fill out your FAFSA forms! • Funding retirement plans before college funds

Uber could go public and Lyft announces a subscription plan. Is ride sharing cheaper after factoring in insurance, gas and auto payments? I also look at mixed Q3 returns and the decrease in home construction and affordability. Other topics include: • Canada legalizing marijuana • International investing- why you do it and why you buy when it’s down • Comparing scholarship funds • Common things people don’t ask for help with on their financial plan • What could end the bull market?

There have been rolling corrections in different sectors and in in different stocks making this month tough on investors following the large Q3 returns. Is now the time to become more conservative or simply ignore the headlines? Today I discuss: • Troubling media headlines and geopolitical events • Sheltering yourself from the chance that stocks and bonds decline at the same time in retirement • Paying down debt as a way to become more conservative • Comparing retirement withdrawal strategy a

A large part of the investment world thought rates would fall again before the 10 year treasury hit 3.5%, and they are close to being wrong. The Feds hinted they could hike rates even faster in the future despite trade issues and warnings from Trump. Also: • Retirement planning behavior and interest rates • Owning long term govt debt funds • China devaluing the yuan • Pensionizing your retirement income • Retirement article by Stanford Center on Longevity and Society of Actuaries

A large part of the investment world thought rates would fall again before the 10 year treasury hit 3.5%, and they are close to being wrong. The Feds hinted they could hike rates even faster in the future despite trade issues and warnings from Trump. Also: • Retirement planning behavior and interest rates • Owning long term govt debt funds • China devaluing the yuan • Pensionizing your retirement income • Retirement article by Stanford Center on Longevity and Society of Actuaries

An alarming 1/3 of millennials have robbed their retirement accounts between 2001-2017. If this isn’t proof that we haven’t taught our kids the importance of saving and how to go about it then this epidemic will only get worse and everyone will pay for it. Other topics include: • The difference between IRA’s & Roth IRA’s • Good annuity situations & what to do with bad annuities • Mark calls in with new investors questions • Paying quarterly taxes overseas Encore

An alarming 1/3 of millennials have robbed their retirement accounts between 2001-2017. If this isn’t proof that we haven’t taught our kids the importance of saving and how to go about it then this epidemic will only get worse and everyone will pay for it. Other topics include: • The difference between IRA’s & Roth IRA’s • Good annuity situations & what to do with bad annuities • Mark calls in with new investors questions • Paying quarterly taxes overseas