Radio: Best Time to Invest 2019
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There is always an excuse to delay doing something that involves risk. They close the show reminding you not to wait. Invest now.

#TBT Estate Planning For A Family Business Balances Three Roles
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This whimsical 2004 post uses the hypothetical family business of Belle and the Beast to teach a valuable lesson about passing on the family business to the next generation.

The No-Bear Bull Market of the 1990s
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Neither the dire pessimism at the start of the Bull Market of the 1990s nor the blind optimism at the end were warranted.

#TBT Getting The Most From Your 401(k) Or 403(b)
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The average worker will have a dozen employers and work at each job for less than four years. Your career is now your responsibility, and so is your retirement plan. Allow this 2010 article to be your lifetime Human Resources Department guide to being financially prepared.

The Dangers of Individual Stock Investing
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Portfolio construction is extremely important to achieving your long-term goals. Don’t risk those goals by assuming that individual stock-picking is a superior strategy.

Read This Before Starting Social Security Earlier Than Age 70
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Even though is often the worst choice, most people take Social Security as early as possible, at age 62. This decision reduces lifetime benefits by hundreds of thousands of dollars.

CFA Institute Advocates for Systematic Rebalancing
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Knowing that rebalancing boosts returns is useless unless you have the time, discipline, and nerve to follow through and actually execute the trades.

#TBT Eliminate the Capital Gains Tax
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Maybe if we say it enough, it will actually get done. “The correct rate for the capital gains tax is zero, zip, nada. Perhaps it is even negative!”

#TBT Business Planning Must Balance Dreams With Reality
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This 2004 article contains the five steps you should take to navigate how to make your business venture more than just a dream.

Is ‘Buy On The Dips’ A Good Investing Strategy?
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“Buy on the dips” is a good strategy only because of the first word.

You Should Fund Your HSA for The Maximum
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We recommend that you fund your Health Savings Account (HSA) to the maximum limit each year and that you keep funding it to the maximum as long as you can no matter how much money you have in the account.

#TBT That Rebate Check Could Ruin Your Retirement
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This 2008 article reminds us that anyone who spends more than 4% of their rebate will actually lose ground saving toward their retirement.

An Overview of Marotta’s 2019 Gone-Fishing Portfolios
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A gone fishing portfolio is a portfolio of just a few stocks which should weather the ups and downs of the market fairly well while only rebalancing twice a year.

Marotta’s 2019 Gone-Fishing Portfolio Calculator
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This gone fishing portfolio is our default portfolio which can be used at any custodian.

Marotta’s 2019 Vanguard Gone-Fishing Portfolio Calculator
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We recommend this gone fishing portfolio for accounts hosted at Vanguard.

Marotta’s 2019 Schwab Gone-Fishing Portfolio
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We recommend this gone fishing portfolio for accounts hosted at Charles Schwab.

Marotta’s 2019 Fidelity Gone-Fishing Portfolio Calculator
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We recommend this gone fishing portfolio for accounts hosted at Fidelity.

Marotta’s 2019 eTrade Gone-Fishing Portfolio Calculator
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We recommend this gone fishing portfolio for accounts hosted at eTrade.

Marotta’s 2019 TD Ameritrade Gone-Fishing Portfolio Calculator
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We recommend this gone fishing portfolio for accounts hosted at TD Ameritrade.

If You Are Tempted to Stay Out of the Markets, Read This First
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Gil Weinriech, Senior Editor for Seeking Alpha, wrote recently about investors whose personalities tempt them to stay on the sidelines of investing at times.

In Response to the Government Shutdown, NPR Says “Regulate Me!”
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Although the NPR commentators suggest that the corporate heart is growing fonder of government, feeling wistful, and longing for government bureaucracy, nothing could be further from the truth.

Radio: The Market Crash of 2008
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Market corrections are so common as to be largely ignored by long term investors.

Schwab’s New Personal Value Chart Promotes the Worst Investing Habits
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Schwab’s presentation is designed to show a real time accounting of your portfolio’s value. It is not designed to report on your portfolio’s performance.

Radio: Seven Financial Resolutions for the 2019 New Year
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On Tuesday, January 8, 2019, David John Marotta appeared on Radio 1070 WINA’s Schilling Show to discuss financial resolutions for the 2019 new year.

Cost of Credit Card Debt Calculator
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Regardless of your assumptions about future market returns, the impoverishment to families with credit card debt is massive.

Financial Planning for the Young and Non-Affluent
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“We have simply not been able to serve those who really need us the most.”

What We Can Learn From the Almost Bear Market of 2018
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To make the strategy of jumping in and out of the markets successful would require a precision only achieved by luck.

Do Dividend Paying Stocks Make Better Investments?
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For all of these reasons, our recommended investment strategy does not focus on dividend-paying stocks.

Brokers Sell Products Not Advice
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Brokers tell investors they’re trusted advisors, and then tell the courts they’re just sales people.

AAII Founder’s Greatest Regret
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“My greatest regret is not being able to convince as many investors as possible of the difference between real risk and phantom risk.”

Taxing Capital Gains Unfairly Taxes Inflation
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Punishing people for inflation is neither fair nor good economic policy.

David John Marotta’s Early Money Memories
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Much can be learned from your earliest money memories. Here are some of mine.

Radio: Year-End Tax Saving Ideas
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On Tuesday, November 13, 2018, David John Marotta appeared on Radio 1070 WINA’s Schilling Show to discuss several tax saving ideas you can do before the year ends.

Who Serves Low And Middle Income Consumers? We do!
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The dark side argues that without commission-based sales people, low and middle income consumers will not have access to a financial advisor. They are wrong.

A Case Study in a Misleading Annuity Sales Advertisement
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In addition to all of the other reasons people hate annuities, seemingly fraudulent advertising and sales techniques is a major factor.

Two Simple But Effective Conversion Target Calculations
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These are two simple but effective strategies to help calculate a very good conversion target for this year.

7 Ways a Marotta-Managed Schwab Institutional Intelligent Portfolios is Better Than Schwab Retail
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Any investment manager can use the Institutional Intelligent Portfolio technology to implement extremely different investment philosophies.

Revisiting 2008 When The Markets Were Dropping
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Ten years after our original article we review how sage the advice was.

Do Stock Buy Backs Bring Real Value?
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Stock buyback programs are a method of returning profits to shareholders without causing a taxable event.

Every Three Years, Say No to Advertisers
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We have a limited amount of willpower. It is a waste to have to expend it to ignore advertising.

What Is The Average Holding Period For A Stock?
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The average holding period for a stock is not simply the inverse of liquidity.

What Is Shareholder Primacy?
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Since only a small portion of stock is traded each day, a large majority of shareholders prioritize the long term appreciation of the value of the company.

An Analysis of Investment Newsletters Reveals That Many Lie
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Run, do not walk, away from outrageous claims.

Abolish The TSA
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If the TSA were abolished, that would not mean that airports would be any less secure.

What Is The 30-Day Election Period For Retirement Plan Rollovers?
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The regulation is an attempt to protect participants who don’t understand the rules set up by the government.

SEC Leaves 61% of Registered Representatives Exempt From Its Adviser Rules
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This is called “regulatory capture” and is quite common in government regulatory agencies such as the SEC.

Study Shows Your Election Reactions May Impoverish Your Investment Gains
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Any movement out of the stock market can cause you to miss future market appreciation.

A Case Study in Financial Advertising You Should Avoid
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A little bit of work upfront can save a great deal of nuisance later.

#TBT Fund Your HSA To Cover Retirement Healthcare Costs
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This 2007 post offers us a bit of timeless advice. Funding a Health Savings Account can be as much about your present medical bills as it is about your end of life care.

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