Financial Planning for the Young and Non-Affluent
with No Comments

“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
with No Comments

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?
with No Comments

For all of these reasons, our recommended investment strategy does not focus on dividend-paying stocks.

Brokers Sell Products Not Advice
with No Comments

Brokers tell investors they’re trusted advisors, and then tell the courts they’re just sales people.

AAII Founder’s Greatest Regret
with No Comments

“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
with No Comments

Punishing people for inflation is neither fair nor good economic policy.

David John Marotta’s Early Money Memories
with No Comments

Much can be learned from your earliest money memories. Here are some of mine.

Radio: Year-End Tax Saving Ideas
with No Comments

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!
with No Comments

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
with No Comments

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
with No Comments

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
with No Comments

Any investment manager can use the Institutional Intelligent Portfolio technology to implement extremely different investment philosophies.

Revisiting 2008 When The Markets Were Dropping
with No Comments

Ten years after our original article we review how sage the advice was.

Do Stock Buy Backs Bring Real Value?
with No Comments

Stock buyback programs are a method of returning profits to shareholders without causing a taxable event.

Every Three Years, Say No to Advertisers
with No Comments

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?
with No Comments

The average holding period for a stock is not simply the inverse of liquidity.

What Is Shareholder Primacy?
with No Comments

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
with No Comments

Run, do not walk, away from outrageous claims.

Abolish The TSA
with No Comments

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?
with No Comments

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
with No Comments

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
with No Comments

Any movement out of the stock market can cause you to miss future market appreciation.

A Case Study in Financial Advertising You Should Avoid
with No Comments

A little bit of work upfront can save a great deal of nuisance later.

#TBT Fund Your HSA To Cover Retirement Healthcare Costs
with No Comments

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.

Ameriprise Fined $5.4M for Brokers Stealing Client Funds
with No Comments

Ameriprise was fined $4.5 million for failing to appropriately supervise representatives who were stealing client funds.

Study Finds Financial Disclosures Confuse Investors and Only the SEC is Surprised
with No Comments

Are you consenting to harmful conduct by your financial advisor?

Everyone Deserves a Fiduciary Standard of Care (or Why We Have a Service Level with No Minimums Now)
with No Comments

Thank you, Robert, for your email and your readership. I hope that everyone enjoys our new “Do-It-Yourself” service level.

Failed Government myRA Program Closed
with No Comments

That the program failed is not a surprise. That the government decided to close a failed program, however, is.

How Can I View Global Market Movements By Country?
with No Comments

There are as many as 60 different stock markets around the world.

In Investing, One Decade is Not Long Enough
with No Comments

There are always those who discount the power of having a diversified portfolio in favor of putting everything in whatever is going to go up the most.

Using Math to Decide When to Realize Capital Gains
with No Comments

These are complex formulas, but they are valuable calculations that show that there is an expected increase of return which will justify selling even a highly appreciated asset.

Is Financial Advice Fundamental or Incidental With Your Advisor?
with No Comments

Who would ever want unplanned and unintentional financial advice?

The Tax Treatment Of Bitcoin And Other Cryptocurrencies
with No Comments

For a currency intended to make money simple and easy, IRS regulations make it a nightmare of compliance issues.

#TBT Stress Is Not Your Enemy
with No Comments

As David Marotta writes in this 2012 post, “If I had to pick one learned skill that has served me the best in my career, it would be learning to grab my mind by the scruff of the neck and drag it back to the task at hand.” This piece reminds us that hard work can sometimes be your best doctor.

Why Do People Hate Immediate Annuities?
with No Comments

If you are one of those consumers for whom the word “annuity” is enough to make them tune out a sales presentation, congratulations! You have have probably correctly understood the real challenges these products face.

Be Wary Of Sponsored Content
with No Comments

As you read other financial advice sites, be wary of the sponsored content.

Useless Articles Abound On The Internet
with No Comments

It will help you in life if you can learn to distinguish between content with ulterior motives and real financial planning wisdom.

Should My Portfolio Asset Allocation Include Emerging Markets?
with No Comments

A blended portfolio can perform better even as some of its components under perform due to the rebalancing bonus.

Investing Mistake: Reacting To The Media
with No Comments

There is very little news that helps us reach our life goals or impacts our lives in a positive way.

Radio: Freedom of Speech in 2018
with No Comments

On Tuesday, August 14, 2018, David John Marotta appeared on Radio 1070 WINA’s Schilling Show to discuss the right to the freedom of speech in 2018.

Q&A: Have you ever been publicly disciplined for any unlawful or unethical actions in your career?
with No Comments

We believe following our eight principles to safeguard your money provides a better safeguard than checking for past violations.

Revisiting BRIC Countries 10 Years Later
with No Comments

In 2003, the Goldman Sachs Global Economics Department predicted the economic and geopolitical influence of Brazil, Russia, India and China (the BRIC countries) would become increasingly visible in the developed world. We revisit those countries here.

The Real and Present Danger of Inflation, Even for Babies
with No Comments

For investors who began working in 1970 and retired 45 years later in 2015, cash lost 83.83% of its purchasing power.

Q&A: Do others stand to gain from the financial advice you give me?
with No Comments

You deserve advice from a firm where you don’t have to second guess where their loyalties lie.

NAPFA Challenges the Securities and Exchange Commission
with No Comments

I couldn’t be prouder to be a NAPFA-Registered Financial Advisor.

#TBT Don’t Eat Yourself Out of Financial Security
with No Comments

As this 2003 post remind us, “The worst financial problems stem from trying to live a champagne and caviar lifestyle on a beer and chips budget” and it has a few common sense rules to uncommon cents savings.

Q&A: How will I pay for your financial planning services? How much do you typically charge?
with No Comments

It is relatively easy for fee-only fiduciaries to answer the question “How much do you charge?” The only fee they collect is the fee that the client directly pays them.

Your Commission-Based Advisor May Not Even Know What Fees You Are Paying
with No Comments

The majority of the industry many not even believe that there is a better way. But you deserve better.

Which Index Best Represents The Markets?
with No Comments

Any decision to differ from the cap-weighted global default is a choice.

1 2 3 4 30

Subscribe to our newsletter!