NewFocus Financial Group | Blog

7 Tips to Manage Volatile Markets as You Transition to Retirement

By Mark Farrelly, CFP®, CDFA® Market volatility can be sparked by triggers ranging from policy uncertainty in Washington, to earnings reports, to geopolitical unrest. Dramatic moves in the stock market may cause you to question your strategy and worry about your money. A natural reaction to that fear might be to reduce or eliminate exposure

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Understanding the Tax Treatment of Your ESPP

By Mark Farrelly, CFP®, CDFA® An employee stock purchase plan (ESPP) provides you with a convenient way to purchase company stock, often via payroll deduction. Like the way you contribute to a 401(k), you can easily allocate money to the ESPP via your paycheck. In addition, your ESPP may offer a purchase discount of up to 15%, allowing

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9 Action Steps to Start the New Year on Firm Financial Footing

1. Assess Where You Are •   Update your balance sheet so you know your starting point. •   Confirm cash reserves. If you’re still working, strive to maintain at least a six-month cash buffer for any emergencies or unforeseen circumstances such as medical costs or job loss. If you’re in retirement, strive to maintain three years

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4 Ways to Prepare for Market Corrections

Here are four ways you can prepare for the next market correction.

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Is Your Home Underinsured? Now Is a Good Time to Review Your Coverage

Here at NewFocus, we have found that more homes than ever are underinsured. Here are some pointers to make sure you have the right coverage.

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Top Retirement Mistakes to Avoid

A financial reporter recently asked me about the biggest mistakes that I see in retirement.

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How to Handle an Inheritance

Consider these steps to use an inheritance to put yourself on firmer financial ground and build a more secure future.

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You Need More Than a Number: 6 Tests to Determine Retirement Readiness

How do you know that you’re ready to retire besides reaching a certain portfolio number?

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What If 2008 Happened Again? Your Retirement Needs a Portfolio Strategy

In retirement, your focus changes. You’re not putting money into your portfolio anymore.

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Watch Out for the AMT: Triggers and Strategies to Limit Your Exposure

The tax is increasingly affecting middle- and upper-middle-income families.

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