April 18, 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...)

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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Why Is The Federal Reserve In Your Wallet?

Christian LIndeMann, The New King of PickPockets

Members of the Federal Reserve openly admit it is not a federal agency.

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Realize Some Capital Gains Each Year To Keep Taxes Low

Monopoly Stock Sale

There are at least four different capital gains tax rates. Here’s how to minimize yours.

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What Exactly Is Quantitative Easing?

Piggy Bank

Quantitative easing is a sneaky way to make everyone dealing in U.S. dollars pay off the U.S. debt.

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The Government Effectively Pardoned 77.3% Of The 2013 Debt Increase

Crumpled Dollar

Paid for by using your former purchasing power.

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What Do You Mean I Owe An Extra $100,000 In Taxes?

Businessman Target

Ah, the joys of being a small business owner in 2013.

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Gift Tender Offers To Charity To Avoid Capital Gains Tax

Gift with Yellow Bow

This technique can avoid paying any tax, a savings worth up to 36.1%.

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How Does The Fed Control Interest Rates In A Free Market?

Federal Reserve 2014

Even as recently as 2007, banks were paying 4% interest. Now you have to go to the hundredth decimal before you find your interest rate.

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As Recently As 2007, Banks Were Paying 4% Interest

Taxable Money Market Rates 2014

In retirement planning, these are the deep risks we are concerned about.

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Every Bond Contract Has At Least Five Components

Bond Components

Unlike stocks, each bond contract has unique characteristics that define how repayment will occur.

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Tax By Inflation

The Fading Dollar

In its simplest form, the government prints money and uses the newly printed currency to fund government spending.

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Quantitative Easing And The Federal Reserve’s Balance Sheet

Inflation

Government officials argue that consistent deficits are good for the economy, if we were only willing to go high enough.

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Today’s 20-year Olds Will Need Over $7 Million For Modest Retirement Lifestyle

Worried Woman

Most young people don’t understand inflation as well as their parents and grandparents.

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Five Unbelievable Financial Advisor Regulations

The federal Securities and Exchange Commission (SEC)

To comply, most firms must archive and report massive amounts of information. Here are five of the more interesting regulations.

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Radio: David John Marotta Interviewed Discussing the Three GOP Factions

Marotta on Radio Talking

David John Marotta was recently interviewed discussing the ideas in the article “Republicans: Defining the 3 Factions”.

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Is Rebalancing a “Myth”?

Stacked stones

You ought to know what it is that you are rebalancing.

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Should a Business Buy Its Own Building?

New Office

We finally found a great building and decided to purchase it!

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Make sure clients road-test retirement

Retirement Cake

“Ascertain whether they’re ready for changes in lifestyle and finances for the next stage of their lives”

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Every Business Should Start a 401(k)

Small business owners

The president’s hope to restrict the plans should actually make owners more interested in creating one.

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At Least 65% Of Workers Fail To Save Our Recommended 15% For Retirement

Bag Lady

The study shows that 21 percent have saved nothing for retirement.

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How To Tell If Your Financial Advisor Is Really “Fee-Only”

How To Tell If Your Financial Advisor Is Really “Fee-Only”

Many will mislead you into thinking they are “fee-only” when they are not.

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Republicans: Defining the Three Factions

More freedom less government

Which part of the conservative party appeals best to you: promoting the welfare of big business, legislating morality or advocating personal freedom and responsibility?

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Is Social Security Stealing Your Chance Of Being A Millionaire?

You have got to be kidding.

Social Security withdrawals have enslaved workers to depend on government largess when they could have been independently wealthy.

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David Marotta Interviewed Discussing MyRA Plans

Marotta on the Radio

David Marotta was recently featured on radio 1070 WINA’s Schilling Show discussing the new MyRA plans, inflation, and saving for retirement in general.

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Social Security

SS Heatmap

Social Security benefits can represent a big stack of cash. A typical monthly benefit of $2,200 has a present value well over $500,000. Consider all your Social Security options carefully to avoid making a costly mistake.

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Liberals Characterized Privatizing Social Security As A Risky Venture

Obama's 2012 Convention Acceptance Speech

Even the Social Security withdrawals of average workers would produce millionaires if they were allowed to be saved and invested in private accounts.

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How To Report Backdoor Roth In TurboTax

Turbo Tax Backdoor Roth

How to report a backdoor Roth in Turbo Tax.

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Obama Expands the Permanently Unemployed

Occupy Stupidity

The economics of the job market are complicated, and an executive order can’t grant America a higher wage.

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Advisors Must Stop Client Self-Destruction

Koala Bear

Sometimes the best advice is when a competent advisor tells you that you are wrong.

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Develop A Network Of Friends In Retirement

Old Friends

Having community is important for a successful retirement. Men may find it requires more work to achieve.

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Obama’s myRA Plan Violates Multiple ERISA Laws

Go to jail

Willful violations of ERISA legislation carry criminal penalties of up to a year in prison for the plan sponsor and a fine of up to $100,000 for the corporation.

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End-Of-The-World Money Moves

End of the World

How do you prepare for the end of the world?

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Opening A Brokerage Account

Stone grid

Opening an account is the first step in getting started in investing.

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Can You Fact-Check Without Reading the Article?

Holy face palm

Both authors claimed there were errors in our article all the while agreeing with our assessment of the unemployment numbers.

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We Were Wrong: Jobless Available Workers As High As 41.4%

Jobless 2013-12

We actually underreported the portion of jobless Americans. It did not include the people who are represented in the unemployment rate.

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Economic Freedom Matters 2014

Wall around Wall Street

Economic freedom enriches society, lifts the poor out of poverty and respects the agency and dignity of human choice.

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Freedom Investing Over The Past Decade

Freedom Investing 2014

The portfolio of the five freedom countries has an annualized return of 11.06% over the past decade.

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Radio: Prep for Financial Apocalypse

Marotta Smiling On Radio

David John Marotta was interviewed on radio 1040 WINA’s Schilling Show and talked about preparing for the coming financial apocalypse.

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Marotta’s 2014 Gone-Fishing Portfolio Calculator

The fishes

A gone-fishing portfolio has a limited number of investments with a balanced asset allocation that should do well with dampened volatility.

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Marotta’s 2014 Gone-Fishing Portfolio

Sunset fishing

A gone-fishing portfolio keeps investing simple.

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Marotta’s 2013 Gone-Fishing Portfolio Review

Fish Measuring Station

A review of last year’s 2013 gone fishing portfolio returns.

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Should We Wallow in the Rising Stock Market?

Sad puppy

The stock market can occasionally benefit from the misery index.

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Bitcoin Trashing Makes The Case For The Gold Standard

Slack Palm

A return to stable money would signal the death of the bitcoin and other stores of value used as hedges against dollar mismanagement.

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University of Virginia Best Plan 2014 Asset Allocation Recommendation

Is this the BEST?

Here is an asset allocation recommendation for the The University of Virginia Physicians Group 2014 BEST plan.

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“Halestorm” And “Abducting Arnold” Author Interview

Abducting Arnold by Becky Akers

Becky Akers is a free-lance writer and historian as well as the author of two novels set during the American Revolution.

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How Long Should I Keep Financial and Tax Records?

Tax Files

Whenever the IRS challenges you, the burden of producing evidence that your claims are true rests entirely with you.

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Lifetime Exclusion From Gift Or Estate Taxes

Colorful Gift Wrapping

When you die, your assets and belongings–called your “estate”–are subject to taxation, but the there is an amount under which the executor of your estate will not have to pay taxes.

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VerizonWireless.com Suspicious Email With Attachments

Verizon Wireless

How not to do customer service.

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The Importance Of The Investment Policy Statement

Scarecrow overboard

Adherence to the fiduciary standard is all about process.

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Active Management Has An 82% Failure Rate

Active management failure

Managing investment assets requires managing investor expectations.

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