August 1, 2014

About David John Marotta

David John Marotta+ is the Founder and President of Marotta Wealth Management, Inc. He played for the State Department chess team at age 11, graduated from Stanford, taught Computer and Information Science, and still loves math and strategy games. Favorite number: e (2.7182818...)

SEC Q&A: What should I do if the financial professional claims that he or she is “certified”?

Golden Champaign Glass

We believe that NAPFA advisors are a well sought minority of financial advisors.

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What Is The Most Important Attribute When Hiring An Investment Manager?

Mercat

Do you want to trust your advisor is acting in your best interests or do you want them to have the legal obligation and be free of commission-based conflicts of interest?

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Chipotle’s Wisdom

Chipotle line

These quotes are provocative for what they say about us as Americans.

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Is AmazonSmile Good For Charities?

AmazonSmile: You shop. Amazon gives.

There is no reason why charities should not be thankful.

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SEC Q&A: How do I find out whether an investment adviser ever had problems with a government regulator or has a disciplinary history?

Golden Glasses

You can get copies of Form ADV by accessing the Investment Adviser Public Disclosure (IAPD) website.

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Freedom Investing Since 2000

Freedom Investing 2000-2016-06

Recently we did an analysis of the returns of the MSCI Country Specific Indexes

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The Wealth Of Nations Is Their Freedom

Berry Hard Work

“When institutions protect the liberty of individuals, greater prosperity results for all.” – Adam Smith

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Freedom Investing Beats EAFE Index by 3.92% Annualized Over Past Decade

Freedom Investing 2014-06

Over the past decade the economically free countries have an annualized return of 11.34%. The S&P 500′s annualized return was 7.78%.

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SEC Q&A: How do investment advisers get paid?

Three Glasses

How your advisor is compensated matters. Make sure you can follow the money and know how they are getting paid.

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How Can I Tell Who Is Associated With A Broker-Dealer?

Pigs

If your advisor is on one of these lists you should be aware of how they are paid.

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Are We Lab Rats?

Lab Rat

If you are not paying for the product, you are the product.

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Facebook’s And Your Negative Feelings

Thumbs Down

In truth, the best way to mollify negative feelings might be to give up your Facebook account entirely.

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Radio: Financial Planning in Your 40s and Early 50s

Marotta Smiling On Radio

Here is a list of seven things which are important to ensure during these years

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Should I Tender My Allergan Shares To Valeant Pharmaceuticals?

Allergan

Perhaps they should make this into a mini-series.

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SEC Q&A: What questions should I ask when choosing an investment adviser or financial planner?

Questions to Ask Your Financial Advisor

Here are our answers and comments to the SEC’s eight suggested questions.

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Our Government Versus The People

Hammer Lock

Government has never been known for customer service. But today it is known primarily for being against the very people it is supposed to serve.

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Don’t Do Something. Just Stand There!

Sisters Forever

You learn a lot by the discipline of reading old news.

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Time to Give Annuities a Second Look?

Two Giraffes

No. I thought we’d decided not to give them a first look.

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FINRA Supports Regulation to Quell Competition

Wolves in Sheep's Clothing

Beware of government regulation, especially when a portion of the industry thinks it’ll be good for business.

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Study on Investment Advisers and Broker-Dealers

Wolf

These are the wolves of Wall Street pretending to be the helpful sheep of investment advisors.

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How Do I Find An Estate Planning Attorney In My Area?

ACTEC

What is a better starting place than advertisements and phone directories?

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SEC Q&A: What is the difference between an investment adviser and a financial planner?

Glasses of Gold Growth

This is why we call ourselves comprehensive wealth managers.

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How To Designate Charitable Gifts In Your Schwab Donor Advised Account

Schwab Charitable

Schwab Charitable Donor Advised Funds make the gifting process easier.

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How To List A Charity As Your Beneficiary

Charity

There is a tax benefit to leaving some assets to your favorite charity rather than leaving it to your heirs.

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Mailbox: How Can I Leave My Estate To A Charity?

Gift Boxes

Leaving a legacy can be a great benefit for the charity receiving the gift.

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Fight the NSA with Your Choice of Search Engine and Browser

Browser Choices

We are all embarrassingly honest with search engines.

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The Politics of Social Security

End of the line

Even half of what they collect in Social Security could provide a better private benefit.

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Does Every Client Get Put Into One Of A Few Investment Allocations?

Buckets

The short answer is, “No.”

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Capability Is Tyranny

Bullying

Those who stand by and do nothing are complicit in aiding the loss of freedoms for others.

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What Benchmark Should I Measure My Return Against?

Bad Benchmarking

Don’t let the noise of random returns ruin a brilliant investment strategy.

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Advisers Worry About Potential Costs Of Third-Party Exams

Hungry Fox

“Estimates range from $5,000 to $20,000; sharp opposition to Finra getting involved.”

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Fourteen Ways to Avoid Paying Capital Gains

Like water for money

The capital gains tax traps wealth in an investment vehicle requiring special techniques to free the capital without penalty.

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Roth IRA Conversions and Roth Segregation Strategies

Roth Segregation Accounts

Roth accounts have several advantages over traditional retirement accounts.

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Capital Gains Tax Gets More Complicated

Holding breath

Now you may pay one of at least four different capital gains rates. The strategies to deal with capital gains differ for each level.

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Investment Advisors vs. Brokers

Lock and Gold Coins

Low risk firms should be visited less frequently by the SEC.

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Mailbag: How Do You Live When You Are Trying To Avoid Taxes?

1040 Form with Pencil

Having sufficient assets in a taxable account can allow for tax planning.

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The Tax Code’s War On Marriage

Marriage Penalty

Two different people can end up with very different amounts of tax owed, simply because of their marital status. You cannot argue this increased tax is their “fair share” simply because they are married.

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How To Bilk Obamacare

Wonder

Learn how a family of four can qualify for a full subsidy with an income of $140,000 a year.

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Obamacare, the UN-Affordable Care Act

Know the cost

ObamaCare Is the Worst Legislation in 75 Years.

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Emerging Markets Still A Good Investment Despite Warning Notices Regarding Russia

SSEMX Warning Notice Regarding Russia

Russia is less than 6% of most emerging market indexes.

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The Purpose Of The Federal Reserve

Red pawn

Unlike the markets, members of the Fed are able to make decisions that are in exactly the wrong direction if they don’t limit themselves with a rules-based system.

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How To Save Wealthy Clients From Themselves

Brain Scan

“Emotion can undo the best-laid financial plans.”

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David Marotta Quoted on Yahoo Finance Story About Gen Y Savings

College Student in Hammock

Because of inflation, today’s 20-year-olds will need over $7 million to have the same lifestyle when they retire.

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Microfinance: Loans That Change Lives

Kiva: Loans that change lives

With as little as $25 you can begin loaning money to developing world entrepreneurs.

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Mailbag: Is Funding My 401(k) Match Sufficient to Fund My Retirement?

401k Shortfall

At age 25, getting your 401(k) match funds 64.2% of your retirement.

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Government Requires 146 Minutes Of Service Each Day

Financial Time Perspective

Without taxes, you could leave your job every day at 2:34 p.m

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Radio: Virginia’s Tax Freedom Day Today

Free Parking

We estimate that if you didn’t have to pay taxes, you could leave work every day at 2:34pm.

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What Happened to the Gold Standard?

Biting Money

The U.S. dollar was first regulated by the Coinage Act of 1792 and prescribed as 371.25 grains of pure silver. The eagle, worth $10, was 247.5 grains of gold. One cent, worth a hundredth of a dollar, was 24 grains of copper. The value of the metal contained in the currency kept prices relatively constant [...]

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Inflation Is 3% For First 120 Years; 2,380% For The Last 100 Years

Zimbabwe and gold

Of all the investing risks we face, inflation is the risk most commonly overlooked and most certainly experienced.

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What Is A “Margin Alert”?

Schwab Margin Alerts

There are five types of Schwab Margin Alerts: Margin Maintenance, Short Position, Trade Debit Due, Margin Debit Balance / Account hold Value Advantage, and Trade Settlement Violation

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