New Focus on Wealth with Chad Burton
Navigating the complexities of financial planning and wealth management is tough. Chad Burton, CPF ® makes it easy for you by breaking down the latest news and the important topics every wealthy person needs to know in 2020 and beyond. These are dynamic times and that makes it the perfect time for a new focus on wealth!
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Maximizing Real Estate Wealth & Retirement Planning: Strategies for High-Net-Worth Investors
01/30/2025
Maximizing Real Estate Wealth & Retirement Planning: Strategies for High-Net-Worth Investors
This episode recaps Chad Burton daily guest spots with Rob Black for the week of July 24th. Sign up for the live retirement event on 2/1 in Palo Alto at . Chad tackles real-world scenario where a high-net-worth investor owns several million in rental properties but has limited liquidity in traditional accounts. With inflation outpacing rental growth, what’s the smartest way to unlock equity? Chad explores loan strategies, strategic property sales, 1031 exchanges, Delaware Statutory Trusts (DSTs), and 721 exchanges to optimize wealth while minimizing tax burdens. But that’s just the beginning—this episode also dives into critical financial planning questions: Do I have enough? Where will each dollar come from? How do I navigate tough markets? Chad also breaks down the 7 essential steps to building a tax-efficient portfolio, including cash flow modeling, risk tolerance, tax-efficient withdrawal strategies, and Monte Carlo simulations for order of returns risk. Plus, he examines whether the primary issue is Roth conversions or single stock risk with capital gains and how to structure a portfolio for lower turnover and optimized tax efficiency. If you’re serious about long-term financial security, estate planning, and maximizing your investment potential, this episode is packed with expert insights you won’t want to miss!
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Chad joins Rob Black to discuss new 401(k) contribution limits and other retirement topics.
01/23/2025
Chad joins Rob Black to discuss new 401(k) contribution limits and other retirement topics.
Chad joins Rob Black to dive into the latest updates on 401(k) contribution limits for 2025, including new IRS catch-up provisions for older workers, mega Roth strategies, and backdoor Roth IRAs. Explore retirement planning essentials like Morningstar's revised 3.7% withdrawal rate, strategies for optimizing Social Security timing, and the pros and cons of bond ladders versus ETFs. Chad also discusses common retirement mistakes—from underestimating inflation to overlooking health priorities—and offers actionable insights for a secure and fulfilling retirement.
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2024 market recap, direct indexing and retirement asset allocation.
01/15/2025
2024 market recap, direct indexing and retirement asset allocation.
In this episode, Chad joins Rob Black and dives into key financial market trends, including a recap of December's performance where the S&P 500 dropped, and bonds fell. Chad discusses high expectations for Q4 2024 earnings growth, the elevated forward P/E ratio for the S&P 500, and the unprecedented concentration of 10 companies comprising 39% of the S&P 500 index. Chad explores retirement portfolio strategies, emphasizing long-term planning, diversification between asset classes, and careful repositioning for those nearing retirement. He provides advice on managing windfalls, highlighting the benefits of dollar-cost averaging, individual tax-free bonds, and direct indexing, while also examining the role and risks of alternative investments such as private REITs, private credit, and private equity. The episode concludes with an analysis of California rental properties amid rising insurance challenges, detailing stringent requirements for coverage, the limitations of the FAIR plan, and the potential advantages of 1031 exchanges for property owners reassessing their investments.
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EP Wealth Webinar - Exploring Passive Investment Options - 241216 - audio
12/26/2024
EP Wealth Webinar - Exploring Passive Investment Options - 241216 - audio
Are you looking for ways to optimize your real estate investments and potentially defer taxes? Watch our latest recording where we explore how 1031 exchanges into Delaware Statutory Trusts (DSTs) may potentially provide a path to passive income while reducing the burden of property management. Presented by , this seminar walks you through the current real estate environment, trends in 1031 exchanges, and how DSTs can likely enhance your investment strategy. In this recording, we discuss topics such as: Understanding 1031 exchanges and how they work Exploring the factors of DSTs for passive investment income Considerations for real estate owners looking to diversify Strategies for deferring capital gains taxes while maintaining income flow This seminar is ideal for real estate investors, property owners, and individuals interested in simplifying their real estate portfolios while seeking tax-efficient investment strategies. The information being presented in this video is aimed at individuals who have at least $500,000 in investable assets. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements. *Investable assets include qualified retirement plans (IRA, Roth IRA, 401(k), taxable brokerage, cash (savings/checking) and CDs. Investable assets do not include your home, vehicles, or collectibles.
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Active Vs. Passive Real Estate, 1031 exchanges, DSTs, 721 Exchange
12/10/2024
Active Vs. Passive Real Estate, 1031 exchanges, DSTs, 721 Exchange
In this episode, Chad Burton joins Rob Black to uncover the secrets of turning underperforming real estate into a reliable source of passive income. Learn how to spot problem rental properties and transform them into opportunities through strategies like 1031 exchanges, Delaware Statutory Trusts (DSTs), and 721 exchanges. Chad and Rob also explore how to seamlessly swap a single rental property into a diversified real estate portfolio. Whether you're a seasoned investor or just getting started, this episode is packed with actionable insights to help you maximize your real estate potential. Tune in now to unlock the keys to smarter investing!
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Understanding Valuations: Analyzing The S&P 500 & Growth vs. Value
11/20/2024
Understanding Valuations: Analyzing The S&P 500 & Growth vs. Value
In this episode of New Focus on Wealth, host Chad Burton, a Certified Financial Planner, discusses the current state of the market as we approach the end of the year. He highlights a busy period marked by clients selling businesses and estate planning issues. Chad notes that 2024 is shaping up to be significant for the market, with the recent Trump red wave positively impacting stock performance. He provides insights into the impressive run of NVIDIA, which has surged 183% in 2023, despite a recent dip. Chad emphasizes the importance of understanding revenue growth trends in the context of market expectations. Tune in now to learn more! Timestamps: [00:01:55] Stock market performance overview. [00:04:29] Inverse relationship of bond rates. [00:08:30] S&P 500 earnings expectations. [00:11:12] International markets and investment potential. [00:15:08] Private equity market changes. [00:19:13] Future tax implications for retirees. [00:22:11] Estate tax planning strategies. [00:25:21] Charitable giving from IRA. [00:28:54] Better cashflow and ease in life. Email your money question to Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit
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Opportunities In REITs & Passive Income
10/25/2024
Opportunities In REITs & Passive Income
In this engaging episode of "New Focus on Wealth," certified financial planner Chad Burton delves into the intricacies of the current financial landscape, offering listeners a comprehensive market update that highlights the impressive performance of tech-heavy indices like the NASDAQ and the S&P 500. He meticulously analyzes the recent fluctuations in interest rates, emphasizing their impact on bond values and the importance of strategic cash management in a volatile environment. Furthermore, Chad explores the evolving real estate market, shedding light on the resurgence of real estate investment trusts (REITs) and the potential for lucrative opportunities in commercial properties. He also addresses critical tax and estate planning updates, including the implications of upcoming changes in standard deductions and estate tax exemptions, urging listeners to reassess their financial strategies in light of these developments. With a wealth of insights and actionable advice, this episode serves as an invaluable resource for anyone looking to navigate the complexities of personal finance and investment in today's dynamic economy. Tune in now to learn more! Timestamps: [00:01:13] NASDAQ performance for the year. [00:06:38] Real estate and interest rates. [00:08:56] REITs as tax-efficient income. [00:12:15] Passive real estate investing options. [00:14:03] Tax implications of unrealized gains. [00:19:17] Tax cuts for middle-income Americans. [00:24:20] Global crisis and political divisiveness. [00:25:57] Charitable gifting and tax deductions. [00:28:15] Charitable giving tax strategies. [00:32:42] Digital assets in estate planning. [00:36:03] Discretionary trust distribution strategies. Email your money question to Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit
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Understanding Assumable Mortgages & Evaluating The Decision To Roll Over A 401k To An IRA
10/09/2024
Understanding Assumable Mortgages & Evaluating The Decision To Roll Over A 401k To An IRA
In this episode of "New Focus on Wealth," certified financial planner Chad Burton delves into the intricacies of the current financial landscape, offering listeners a comprehensive analysis of market trends, interest rates, and investment strategies. He highlights the recent performance of various indices, including the NASDAQ and S&P 500, while addressing the implications of the Federal Reserve's interest rate adjustments and the ongoing economic stimulus in China. Chad also tackles listener questions, shedding light on the often-overlooked topic of assumable mortgages in today's high-rate environment, and discusses the merits of Roth IRAs versus traditional 401(k)s, emphasizing the importance of tax planning for future financial security. With a wealth of insights and practical advice, this episode serves as a valuable resource for anyone looking to navigate the complexities of personal finance and investment in a rapidly changing world. Tune in now to learn more! Timestamps: [00:01:48] Emerging markets performance update. [00:06:17] Volatility Index and market fear. [00:10:00] Assumable mortgages explained. [00:14:24] Assumable loans and inheritance. [00:15:40] Inheriting IRAs and tax implications. [00:19:14] Tax-free growth vs. tax breaks. [00:22:46] Tax strategies for retirement savings. [00:26:39] Estate planning in Nevada. [00:30:44] 1031 exchanges for real estate. [00:34:37] IRA to Roth conversions. [00:37:08] Charitable giving from IRA. Email your money question to Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit
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Navigating Market Highs: Investment Strategies & Charitable Giving
09/26/2024
Navigating Market Highs: Investment Strategies & Charitable Giving
In this episode, Chad Burton provides a comprehensive market update, highlighting significant gains in various indices, including the NASDAQ and S&P 500, while also discussing the recent rally in the bond market due to declining interest rates. He emphasizes the importance of portfolio diversification, particularly for younger investors building wealth, and suggests strategies for rebalancing portfolios as markets reach all-time highs. Chad also addresses the impact of upcoming elections on market volatility and encourages listeners to consider charitable giving, particularly through donating appreciated stocks to avoid capital gains taxes. He explains the benefits of donor-advised funds and charitable remainder trusts for those looking to maximize their charitable contributions while managing tax implications. Additionally, he answers listener questions about long-term care insurance, estate planning for blended families, and strategies for managing inherited IRAs and annuities, underscoring the necessity of having a clear financial plan that accounts for taxes, inflation, and potential long-term care needs. Tune in now to learn more! Timestamps: [00:02:08] Bond market changes and trends. [00:05:12] Investing during market highs. [00:08:06] Charitable gifting strategies explained. [00:11:22] Charitable remainder trust benefits. [00:16:29] Retirement planning and market risks. [00:18:24] Long-term care insurance challenges. [00:23:58] Estate planning before marriage. [00:25:35] Estate planning and asset protection. [00:30:40] Best states for estate planning. [00:34:06] Inheriting IRA and annuity. [00:36:54] Estate planning at age 90. Email your money question to Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit
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Health & Wealth: Strategies For A Fulfilling Retirement
09/24/2024
Health & Wealth: Strategies For A Fulfilling Retirement
In this episode, Rob Black and certified financial planner Chad Burton discuss various aspects of personal finance, retirement planning, and the impact of inflation on financial decisions. They delve into common retirement questions, particularly the concern of whether individuals have enough savings to retire comfortably, especially in light of rising costs and changing economic conditions. Chad emphasizes the importance of understanding one's tax situation and the complexities of income sources in retirement, such as Social Security, pensions, and investment accounts. The conversation also touches on the rising costs of healthcare and insurance, the significance of maintaining health in retirement, and the potential benefits of concierge medicine and wellness investments. Additionally, they explore the complexities surrounding estate planning, particularly the distribution of assets to heirs and the importance of protecting those assets from potential divorce or lawsuits. Tune in now to learn more! Timestamps: [00:02:17] Retirement income sufficiency concerns. [00:04:50] Rising home insurance costs. [00:10:12] Annuities and their confusion. [00:12:30] Guaranteed lifetime income from annuities. [00:15:12] Fiduciary financial planners explained. [00:20:17] Health and retirement balance. [00:21:34] Botox and mental health effects. [00:26:28] Protecting assets for children. [00:29:10] Healthcare spending and wellness. [00:32:52] Gut health and wellness trends. Email your money question to Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit
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Retirement Withdrawal Strategies
09/23/2024
Retirement Withdrawal Strategies
In this episode, Rob Black and certified financial planner Chad Burton discuss the current state of the financial markets, particularly focusing on the historical performance of September and the implications for retirement planning. They highlight the surprising resilience of the markets this year, with significant gains in major indices like the S&P 500 and NASDAQ. Chad emphasizes the importance of adjusting retirement withdrawal strategies, especially when markets are at all-time highs, and stresses the need for proactive portfolio management to avoid potential pitfalls during market corrections. The conversation also touches on the complexities of retirement planning, including the impact of inflation, required minimum distributions (RMDs), and the importance of tax-efficient strategies. Tune in now to learn more! Timestamps: [00:01:25] Retirement withdrawal strategies. [00:05:25] Retirement spending and inflation. [00:10:18] Inheriting a spouse's 401k. [00:12:24] Focus on Roth for heirs. [00:14:25] Portfolio volatility in retirement. [00:18:58] Withdrawal strategies in retirement. [00:24:12] Inflation's impact on retirement planning. [00:25:20] Wealth preservation retirement strategies. [00:31:33] Estate planning mistakes. [00:32:45] Updating estate plan beneficiaries. Email your money question to Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit
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The Fed's 50 Basis Point Cut
09/20/2024
The Fed's 50 Basis Point Cut
In this episode, host Rob Black and certified financial planner Chad Burton discuss the recent 50 basis point cut by the Federal Reserve and its implications for the economy and investment strategies. They analyze the current market conditions, including the volatility in stocks and the impact of rising interest rates on various sectors, particularly real estate and alternative investments. Chad emphasizes the importance of understanding alternative investments such as private real estate, private credit, and private equity, which are typically reserved for accredited investors with over $2 million in assets. The conversation also touches on the use of options as a financial tool for managing risk and generating income, highlighting strategies like selling covered calls and buying protective puts. Tune in now to learn more! Timestamps: [00:01:24] Fed's 50 basis point cut. [00:06:18-00:06:29] Real estate and retirement planning. [00:10:12] Alternative investments for high net worth. [00:13:43] Private credit and direct lending. [00:15:21] Private credit and lending risks. [00:19:11] Private credit investments explained. [00:21:45] Private equity in niche markets. [00:25:35] Options trading risks and strategies. [00:30:34] Stock options strategies explained. [00:34:51] Using options for financial planning. Email your money question to Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit
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The Federal Reserve's Impact On Your Retirement
09/19/2024
The Federal Reserve's Impact On Your Retirement
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 Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit
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Retirement Planning Essentials
09/13/2024
Retirement Planning Essentials
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 Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit
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The Current Economic Landscape In This Political Climate
09/12/2024
The Current Economic Landscape In This Political Climate
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 Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit
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Evaluating Rental Properties For Net Income & Considering 1031 Exchanges
09/05/2024
Evaluating Rental Properties For Net Income & Considering 1031 Exchanges
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 Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit
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The Impact of Proposed Tax Reforms
08/29/2024
The Impact of Proposed Tax Reforms
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 Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit
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Identity Theft Safeguards & Long-Term Care Options
08/21/2024
Identity Theft Safeguards & Long-Term Care Options
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 Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit
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Active vs. Passive Management in Asset Classes
08/15/2024
Active vs. Passive Management in Asset Classes
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 Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit
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Market & Economic Update: What Is Driving Volatility?
08/07/2024
Market & Economic Update: What Is Driving Volatility?
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 Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit
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Strategies for Selling Covered Calls, Capital Gains Tax & 529 Plans
08/02/2024
Strategies for Selling Covered Calls, Capital Gains Tax & 529 Plans
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 Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit
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Sudden Shift On Wall Street, Small Caps Surge as Fed Rate Cuts Loom
07/18/2024
Sudden Shift On Wall Street, Small Caps Surge as Fed Rate Cuts Loom
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 Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit
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All Star's National Anthem, Wall Street Updates & Amazon Prime Day
07/17/2024
All Star's National Anthem, Wall Street Updates & Amazon Prime Day
In this episode, Chad & Rob discuss various topics related to personal finance, wealth management, and tax-conscious retirement portfolios. Chad and the host talk about the recent national anthem controversy at the All-Star Game, the current state of Wall Street, including the Dow Jones Industrial Average and S&P 500 hitting record highs, and the importance of tax-efficient asset allocation in retirement planning. They also touch on the concept of direct indexing for tax efficiency, the changing rules around Required Minimum Distributions (RMDs), and the benefits of attending Chad's upcoming event on building a tax-conscious retirement portfolio. Timestamps: [00:01:19] National anthem controversy and marketing. [00:06:29] Managing taxes in retirement. [00:10:33] Earnings season and price inflation. [00:11:47] Concentration in top market cap. [00:17:05] Earning season and Netflix advertising. [00:19:32] Asset allocation strategies. [00:24:40] Municipal bonds comparison. [00:28:30] Amazon Prime Day shopping. [00:32:05] Direct indexing and tax benefits. [00:34:33] Wealth building through retirement strategies. Email your money question to Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit
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Strategies For Managing Investments To Minimize Taxes In Retirement
07/12/2024
Strategies For Managing Investments To Minimize Taxes In Retirement
This episode features a discussion between Rob Black and certified financial planner Chad Burton on the topic of building a tax-conscious retirement portfolio. They delve into the importance of strategically managing investments to minimize taxes in retirement, focusing on asset allocation, dividend achievers, real estate investments, and the impact of dividends on retirement income. Chad provides insights on the significance of holding the right asset classes in the appropriate accounts to reduce tax liabilities and ensure a steady income stream during retirement. Timestamps: [00:02:19] Tax-conscious retirement portfolio. [00:04:25] Tax implications of dividends and bonds. [00:09:15] Disney's expanding cruise businesses. [00:12:33] Tax-efficient investing for wealthy individuals. [00:15:02] Tax-efficient investing strategies. [00:20:36] Costco raising starting wages. [00:22:31] Commercial real estate in San Francisco. [00:26:30] Simplifying life by selling property. [00:31:28] Dividend achievers vs handpicking. [00:34:08] Dividend Achiever approach. Email your money question to Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit
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Concentration in the S&P 500
07/11/2024
Concentration in the S&P 500
This episode focuses on various financial topics, including portfolio allocation, tax strategies, and real estate investments. Chad Burton, a certified financial planner, discusses the concentration of the S&P 500, the importance of diversification, and the benefits of tax-efficient investing. He also delves into the concept of direct indexing for larger portfolios, tax loss harvesting, and the challenges faced by individuals with rental properties in retirement. The episode provides valuable insights and strategies for managing wealth, optimizing tax efficiency, and making informed financial decisions. Timestamps: [00:02:06] S&P 500 concentration in tech. [00:06:31] Market concentration concerns. [00:10:41] Trusts and inheritance strategies. [00:12:27] Estate planning strategies for families. [00:18:05] Estate planning strategies. [00:20:55] Building a tax-appropriate retirement portfolio. [00:24:24] Asset allocation strategies. [00:26:31] Tax-efficient investment strategies. [00:29:42] Tax-efficient investment strategies. [00:34:54] Direct indexing customization. [00:38:08] Building wealth with real estate. Email your money question to Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit
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Build A Tax-conscious Retirement Portfolio
07/08/2024
Build A Tax-conscious Retirement Portfolio
Chad & Rob discuss strategies for building a tax-conscious retirement portfolio. Chad emphasizes the importance of tax-efficient investing and retirement planning, especially as individuals transition from wealth accumulation to wealth management. He delves into various tax planning strategies, including estate planning techniques to address changes in tax exemptions, gifting strategies, and the use of trusts to minimize taxes and maximize wealth transfer to heirs. The episode also touches on the challenges of managing concentrated stock positions, diversification, risk reduction, and the significance of proper portfolio construction for long-term financial success. Timestamps: [00:01:03] Tax conscious retirement portfolio. [00:06:36] Tax efficient planning. [00:08:38] Tax-efficient investment strategies. [00:13:15] Estate tax planning strategies. [00:16:07] Estate planning and taxes. [00:19:24] Estate planning strategies. [00:23:27] Spousal Lifetime Access Trust. [00:25:24] Setting up trusts for kids. [00:31:33] Risk reduction and portfolio construction. [00:32:39] Minimizing taxes and risk. Email your money question to Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit
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Should You Give Your Money To Younger Generations While Alive?
07/05/2024
Should You Give Your Money To Younger Generations While Alive?
On this episode of New Focus on Wealth, host Chad Burton, a certified financial planner, delves into important money matters and financial advice. He discusses whether it's wise to give money to younger generations while still alive, particularly for those with larger estates. Chad also recaps the second quarter, highlighting the tech rally and the performance of indexes like the NASDAQ 100 and the S&P 500. Tune in for insightful discussions on personal finance, wealth management, Wall Street, and the economy. Timestamps: [00:01:02] Younger generations financial challenges. [00:07:00] Financial state of younger generations. [00:10:30] Generational Wealth Distribution. [00:14:57] Generation Z economic challenges. [00:17:24] Gen Z and pandemic experiences. [00:19:41] Estate planning strategies. [00:24:20] Estate tax planning strategies. [00:29:44] Gifting strategies and tax planning. [00:32:07] Estate planning techniques [00:36:18] Dynasty Trusts. [00:37:56] Qualified Personal Residence Trust Email your money question to Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit
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Real Estate Investment Strategies
06/24/2024
Real Estate Investment Strategies
On this episode of New Focus on Wealth, Certified Financial Planner Chad Burton discusses the topic of real estate and 1031 exchanges. He explains how a 1031 exchange allows individuals to sell a property used in trade or business, such as rental or commercial properties, without paying taxes on the gain. Listeners will learn about the benefits of 1031 exchanges and the requirements to qualify for this tax-saving strategy. Timestamps: [00:00:52] Real Estate and 1031 Exchanges. [00:05:16] Real Estate Investment Leverage. [00:07:14] 1031 Exchange and Real Estate [00:12:08] Depreciation and tax implications. [00:15:47] Rental property return expectations. [00:20:13] Real estate investment strategies. [00:23:40] Drop and swap in LLC. [00:26:40] Rental property horror stories. [00:31:19] Real Estate Investment Trusts. [00:33:29] Real estate investment diversification. Email your money question to Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit
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Having Safe Money In Your Investment Portfolio
06/21/2024
Having Safe Money In Your Investment Portfolio
This episode of New Focus on Wealth with Chad Burton addresses the importance of having safe money in your investment portfolio, especially as you approach retirement. Chad discusses the significance of having two to three years of safe money to avoid selling in a down market, emphasizing the need for a strategic approach to financial planning. With an increasing number of baby boomers retiring each year, the topic of safe money allocation becomes more relevant than ever. Chad provides insightful advice on navigating safe money strategies in the context of market fluctuations and retirement planning. Timestamps: [00:00:41] Safe Money in Retirement. [00:03:44] Living off dividends and interests. [00:09:37] Safe money in retirement [00:12:47] Large future expenses planning. [00:15:17] Safe money and investments. [00:20:01] Safe money in retirement. [00:22:39] Safe money options in retirement. [00:26:03] Safe investment options. [00:29:48] Capital gains on primary residence. [00:32:28] Capital gains tax strategies. [00:35:29] Financial planning services and resources. Email your money question to Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit
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The Importance of Reinvesting Dividends & Balancing Safety & Growth in Retirement Planning
06/06/2024
The Importance of Reinvesting Dividends & Balancing Safety & Growth in Retirement Planning
This episode focuses on financial planning strategies, particularly in relation to investing, dividends, and retirement planning. Chad discusses the importance of reinvesting dividends to build wealth, provides insights on market updates, and offers guidance on asset allocation for retirement planning. He addresses listener questions about safe money strategies, asset diversification, and the impact of interest rates and inflation on investment decisions. Overall, the episode emphasizes the significance of proactive financial planning, including managing dividends, asset allocation, and retirement income strategies to achieve long-term financial goals. Timestamps: [00:02:02] International Markets Outperforming Russell 2000. [00:07:05] Tax planning strategies. [00:09:22] T-bills and Treasury Investments. [00:12:27] Reinvesting dividends in stocks. [00:18:32] Importance of dividend reinvesting [00:21:05] The power of dividend reinvestment. [00:27:06] Dividend tap in retirement. [00:30:24] Planning Retirement Finances. [00:32:10] Balancing safety and growth. [00:35:24] Retirement planning strategies. [00:38:15] Maximizing retirement planning options. Email your money question to Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit
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