Q&A: How Should I Balance Retirement Savings With Other Needs?
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Anything which is not contributing toward your financial independence should be considered part of your lifestyle spending.

The Cost of Keeping Some Money Safe
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Keeping $100,000 might cost you $500,000 in lost opportunity costs over 20 years.

2019 Social Security Facts on Its 84th Birthday
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Social Security just turned 84 years old today (August 14, 2019). It has stayed alive on the false sentiment of sunk costs.

SEC Regulation Best Interest Does Not Have Your Best Interests At Heart
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On June 5th, 2019, the Securities and Exchange Commission (SEC) released their final draft of Reg BI, or “Best Interest” as it is called.

How to Budget for Emergencies: Pay Cut
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Whatever technique you use to smooth your income, providing for the possibility of having a sudden reduction in income can help your family self-ensure against this potential financial shock.

How to Calculate Safe Spending Rate from a Fixed Pension
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Setting aside some of the payment to cover future inflation is a prudent retirement planning practice.

How to Budget for Emergencies: Trip to Hospital
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This is the financial shock of a trip to hospital. It is upsetting, expensive, and unexpected.

Looking Backward On Socialism: A False Appeal To Nordic Countries
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The appeal to the Nordic countries from socialists is a false one. Iceland, Denmark, Sweden, Finland, and Norway are examples of market economies, not socialism.

Value Investing During Seasons of Growth
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Generally speaking, Value stocks outperform Growth stocks. Investing based upon this finding is called “Value Investing.”

How to Budget for Emergencies: Major Home Repair
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This is the financial shock of a major home repair. It is expensive and surprising.

2019 Second Quarter And Year-To-Date Returns For Our 6 Asset Classes
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During 2019, the U.S. Stock Market generally rose during the four quarters from the lows set by the Almost Bear Market of 2018.

How to Budget for Emergencies: Major Car Repair
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This is the financial shock of a major car repair. It is the most common financial shock with 30% of households reporting such an event within the last 12 months.

How to Use Your “World Asset Classes” Report Appropriately
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Our intention in including this particular slide is to show the range of quarterly returns. Here is some wisdom on how to use this slide when comparing your own returns for the quarter.

#TBT Blending Index Funds To Achieve Higher Returns
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When crafting your own buy list, this 2007 article reminds us that rather than just finding one index fund to fulfill your asset class, you should consider blending multiple sector level index funds to decrease volatility or increase return.

Does An Inverted Yield Curve Mean I Should Get Out Of The Markets?
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It is easy for an inverted yield curve to spook investors.

How to Budget for Emergencies (The Series)
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It is possible to be prepared for financial emergencies by living 10% more frugally and saving for the inevitable eventuality.

HealthSavings Administrators HSA Investment Recommendation
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A low cost timeless portfolio for your HSA with HealthSavings Administrators.

Many Funds Close, Others Should
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There is a science to portfolio construction. Selecting a random group of companies is just as bad as selecting a random group of funds.

#TBT Your Asset Allocation Should Be Priceless
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Rebalancing from stocks into bonds reduces your returns on average since bonds have a lower average return. But, as this 2015 article reminds us, there are decades of very choppy markets where even rebalancing an allocation of stocks and bonds can boost returns.

Q&A: I Have a Marotta-Managed 401(k). What Should I Invest In?
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We often get the question from plan participants, “What should I invest in?” Here are our recommendations in order.

Do Top-Ranked Funds Repeat?
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Dimensional’s analysis found that top funds do not repeat.

What is the Correlation of the Asset Classes?
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Asset classes are best defined by looking at the correlation of their returns. These four 2015 articles take a close examination at the three appreciation asset classes.

Helpful Chart Shows Why You Should Diversify Globally
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We continue to believe that diversification among many different countries provides a more consistent return than investing entirely in the United States.

Avoid Dave Ramsey’s Referral Services
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Rumors suggest that the network’s vetting is a five minute process where you are told the fees are about $1,000 a month.

#TBT Marotta’s 2019 Gone-Fishing Portfolios
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In case you missed it, here is the overview of our Marotta’s 2019 Gone-Fishing Portfolios. These are our recommended simple asset allocations for those just getting started with investing.

The 30-Year Value of a Single Roth Conversion
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Thirty years of interest, dividends, and capital gains tax is a significant savings.

Looking Backward On Socialism: The Use Of Force To Bring About Utopia
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The unpleasant reality is that socialism quickly turns to the use of force to bring about their vision of society.

#TBT How Shrewd Investors Save on Taxes
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This 2007 post teaches how to use both investment losses and investment gains to good tax advantage.

Spam Analysis: The “Reclusive Millionaire Warns” Article
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The title is “Reclusive Millionaire Warns: ‘Get Out of Cash Now.’ ” Assuming you take the bait, the article and accompanying video uses all the psychological tricks. It takes a long time before what they are selling is revealed.

#TBT Seven Financial Rules For Marital Bliss
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An overwhelming number of failed marriages cite financial troubles as a major factor in their breakup. See if this 2006 article can help make finances a place of union rather than separation.

#TBT How to Keep Your Identity Safe Online
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This 2015 article has five rules for safely handling your digital security which you can’t afford not to implement.

When Should I Worry About Performance?
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Some performance is cause for concern. Other times, you need not worry. Here are 5 times you should not worry and 4 cases when you should.

Observations on “The FIRE Movement”
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The FIRE (Financial Independence, Retire Early) movement is a suggestion that you should have the goal of achieving financial independence and retiring while you are young.

#TBT Slow and Steady Wins the Race
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In 2003, David stopped to rescue a snapping turtle from 250 West. Now, in 2019, the financial planning lessons from that turtle are still sage advice.

The Power of Compounding
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It is hard to prioritize saving, but it pays off. Here is how.

Avoid Advisors Paid for Cross-Selling
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Cross-Selling is when a financial institution incentivizes their employees to sell or recommend financial products and services that increase the financial institution’s profits. The practice is as commonplace as it is fraught with conflicts of interest.

Q&A: How Much Attention Should Fees Get?
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“Has the focus on expense ratios caused the public to lose focus of more critical financial measures, such as performance?” Actually, expense ratios and 12b-1 fees should get even more attention than they are getting. Here’s why.

#TBT Compute Your Net Worth Once A Year
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This 2006 article teaches you how to use a net worth statement is to measure your progress toward retirement and, as David Marotta writes, “What gets measured is more likely to be accomplished.”

Diagnostic Tool: What Are Normal Market Movements?
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It is common for investors to be surprised by movements in their portfolios, but it is harder to determine if these movements mean that anything should be done.

Becoming an Informed Consumer of Investment Media
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Evaluate the source. Question the melodrama. Examine the tone. Consider the motive. Check the facts.

Radio: Success and Significance in Retirement
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On Tuesday, April 9, 2018, David John Marotta appeared on Radio 1070 WINA’s Schilling Show to discuss how to achieve success and significance in retirement by both adequately savings for retirement and finding fulfillment during that period of your life.

Tax Freedom Day Arrives on April 16th, 2019
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Without taxes, you could leave work at 2:41pm every day.

Seventy-Nine Advisers Admit to Breach of Fiduciary Duty
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SEC announced that 79 investment adviser firms will return more than $125 million to clients after self-reporting violations of the Advisers Act.

Know Your Fund Expense Ratios
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The expense ratio charged by your funds matters more than you may realize.

Disclosures Are Not Sufficient To Fulfill The Fiduciary Duty
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Disclosures are always necessary but rarely sufficient to fulfill fiduciary obligations.

Contribute As Much As You Can to a 457 Plan
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If your employer offers a 457 plan, consider taking advantage of the ability to shelter more money each year from taxes in a Roth account.

Radio: Checklist for Reviewing Your Tax Return
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On Tuesday, March 12, 2019, David John Marotta appeared on Radio 1070 WINA’s Schilling Show to discuss how to do your own tax review.

Q&A: What is the Average Real Return of the Stock Market?
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The real return of the stock market going forward is often debated.

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