Radio: Responsibility of Retirement Plan Sponsors
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If you run a retirement plan at your company, you are responsible to perform periodic reviews to ensure that the plan is the best it can be for participants

What Is Financial Planning?
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Given how few financial advisors have been through the education, certification, and experience require to obtain the CFP® mark, it is no wonder that so few so-called financial planners are actually providing comprehensive financial planning advice.

Asset Allocation Between The United States And The United Kingdom
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A blended portfolio has had a higher mean return than either fund by itself.

Q&A: What financial planning services do you offer?
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We offer comprehensive wealth management services.

What Is Integrated Financial Planning?
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Wise decisions cannot be made in isolation from their impact on other areas of your financial life.

Marotta’s 2018 Fidelity Gone-Fishing Portfolio
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A gone-fishing portfolio using the no-transaction fee funds currently available at Fidelity.

Marotta’s 2018 Fidelity Gone-Fishing Portfolio Calculator
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We recommend this gone fishing portfolio for accounts hosted at Fidelity.

Q&A: What are your qualifications?
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We require each Investment Committee member to have, at a minimum, the Certified Financial Planner™ (CFP®) or Chartered Financial Analyst ® (CFA) designation.

The Dow Jones Industrial Average
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Truly diversified portfolios don’t move in sync with the Dow.

Q&A: What experience do you have?
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Marotta Wealth Management (originally Marotta Asset Management) was founded in 2000 by David John Marotta.

Retirement Plan Sponsors Have A Responsibility To Review Their Plans
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Failure to perform such periodic reviews is a litigatable fiduciary breach.

What Is A Personalized Financial Plan?
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You should work with a personalized financial planner, not an impersonal investment manager.

#TBT Fourteen Ways to Avoid Paying Capital Gains
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The capital gains tax is economically senseless. This 2014 post has fourteen of the loopholes the government’s gain tax unintentionally incentivizes.

By Age 35 You Really Should Have Saved Twice Your Salary
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It was our article which first suggested this six year ago.

Radio: Psychological Manipulation of Helicopter Government
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On June 5, 2018, David John Marotta and Megan Russell appeared on Radio 1070 WINA’s Schilling Show to remember June 5, 2013 and discuss our modern surveillance state.

#TBT How Much Umbrella Insurance Do I Need?
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This 2015 article reminds us of the benefits of umbrella insurance. We recommend $2 to $5 million of umbrella coverage for typical families with assets over $300,000.

Bond Basics
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Bonds are like the iron rods put in the bottom of sailing ships. They don’t make the ship go faster, but they do keep the ship from capsizing in stormy weather.

Your Investment Manager’s Politics Matter (Where Markets Fail Series)
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An investment manager who is “at times a soft socialist” like Voss will be more likely to engage in active management, market timing, and gambling on individual stocks.

#TBT Cash Has Been the Riskiest Investment
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This 2007 post reminds that because of inflation the value of cash trends down, encourages us to protect your portfolio against a falling dollar, and reveals an inconsistency with CPI calculations and actual inflation.

Even Obamacare’s Pros Turned Out to be Cons
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If these had been the original intentions of the legislation, we should have known that Obamacare would not be worth it.

#TBT Florence Mortlock
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This 2006 article shares the personal story of David Marotta’s maternal grandmother who lived to age 99 1/2.

Language Matters: Best Interest vs. Suitability-Plus
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Another free pass for the agents of brokers-dealers to dissembling under the guise of “Regulation Best Interest.”

Guide to Registered Investment Advisors in Charlottesville 2018
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We were surprised by our survey of the registered firms in the Charlottesville area.

Video: Tuning Out The Noise
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It is important to remaining disciplined during volatile markets.

#TBT Socially Responsible Investing
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“Better is having a financial advisor who gets to know you personally and manages your finances according to your specific values.”

One Day In The Life Of A Small Business Owner
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This letter came with a large bold “YOUR RESPONSE IS REQUIRED BY LAW” notice along with a 5 week deadline for compliance.

Radio: Why Regulation Does More Harm than Good
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It is commonplace for special interest groups to use lobbyists to gain control of their own industry’s regulation. This failure where interests group seizes control of a governmental power is called “regulatory capture.”

What Is A “Point In Time” Fiduciary?
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You should not trust a point in time fiduciary for even a single heart beat.

There Are No Deals “Too Good To Pass Up”
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There is no such thing as saving money buying something. You can go broke “saving money” this way.

The Value Matters in Stock Investing
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“Think of a stock as a machine that generates cash every few months.” Smaller companies that you have never heard of usually have a better return than the better known larger companies.

Black Monday Bear: The Bear Market of 1987
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This Bear market has one of the largest single day losses.

Centralized Planning Requires Omniscience
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The burden of mandatory government data collection should be opposed whenever possible.

Safe Withdrawal Rates, Asset Allocation, and the Importance of Staying Invested
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Our firm has become known for our method of computing maximum safe withdrawal rates in retirement. Our safe withdrawal rates are based on having what we believe to be optimum asset allocation targets.

Donor-Advised Fund Comparison 2018
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Even though we recommend Vanguard as a custodian for our readers who are just starting out with investing, they are not our first choice when it comes to Donor Advised Funds.

New SEC Advice Rule Abandons Fiduciary Standard For Brokers
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The SEC released an embarrassingly poor 1,000 page document.

Radio: Is this law worth raising an army and fighting the citizens over?
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On April 10, 2018, David John Marotta appeared on Radio 1070 WINA’s Schilling Show to discuss the question: What is worth using the government’s threat of violence?

SEC Isn’t Enforcing The Law
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In 2007 the Financial Planning Association won a lawsuit that it filed against the SEC to force them to enforce the registration provisions of the 1940 Investment Advisors Act. The law still isn’t enforced.

First Quarter 2018 Returns for Our 6 Asset Classes
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Although volatility is often unwelcome by investors, it can provide profitable returns.

What Does It Mean To Be An Accredited Investor?
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“One principal purpose of the accredited investor concept is to identify persons who can bear the economic risk of investing in these unregistered securities.”

Why The 4% Rule Is Not A Sufficient Withdrawal Strategy
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Determining what constituted a safe withdrawal rate was one of the first questions I tackled. After a year and a half of study on the question, I had realized the inadequacy of the 4% rule and found a methodology which provides more useful when advising clients.

Marotta’s 2018 eTrade Gone-Fishing Portfolio
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This post explains the methodology for building a portfolio limited to the commission-free exchange traded funds (ETFs) on the eTrade platform.

Marotta’s 2018 eTrade Gone-Fishing Portfolio Calculator
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We recommend this gone fishing portfolio for accounts hosted at eTrade.

Comparing Schwab Monthly Statements with Marotta Quarterly Reports
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In general, the statements should match, but matched accounting down the penny cannot easily be achieved.

SEC Action Forces Ameriprise To Return $1.8 Million In Excessive Fees
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Unfortunately, no amount of rules-based compliance can force a company to follow the principles-based fiduciary standard.

Optimizing Roth Conversions Requires Sophisticated Analysis
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“A conventional wisdom withdrawal strategy will almost always leave a lot of money on the table.”

#TBT How to Avoid Higher Cost Mutual Funds
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This 2002 post reminds us, “If you rely on a commission-based financial product salesperson, you will probably be sold the wrong kind of funds.” It was also the first article of ours to be featured in the “Charlottesville Business Journal.”

Clean Shares Still Laden with Conflicts Of Interest
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Recommending clean shares does not free the industry from conflicts of interest.

8 Broker-Dealers You Should Avoid
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Here is the list of broker-dealers who said the CFP should not expect those with the CFP® mark to not mislead consumer.

Odds Are Your Financial Advisor Is Actually a Salesperson
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SEC-mandated titling will not be enough to save unsuspecting consumers from non-fiduciary financial professionals.

Radio: Finding a Life You Love
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On March 13, 2018, David John Marotta appeared on Radio 1070 WINA’s Schilling Show to discuss finding a life you love. Also in this show: what David Marotta thinks about his own life calling and a discussion of healthcare and insurance in retirement.

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