New Focus On Wealth With Chad Burton

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 www.ChadBurton.com. 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 pr

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.

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 potentia

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 Chad Burton, CFP®, 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

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!

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 fr

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 invalua

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 market

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 necessit

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! Tim

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]

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 cre

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

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 fo

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

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 inv

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] Ch

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] Iden

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

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 pro