June 27, 2016

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...)

Narrowly Framed Questions Fail to Meet Life Goals

Narrowly Framed Questions Fail to Meet Life Goals

Purchasing investment products in isolation from the larger context of your specific situation is like pushing random buttons on a vending machine in order to provide a Thanksgiving dinner for your family.

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Radio: Nine Ways to Secure Your Finances

teal door and lock

Here are nine steps you should take to make it more difficult for criminals and identity thieves to steal your personal information.

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Bloomberg Article Gets Asset Allocation Exactly Wrong

Bloomberg Article Gets Asset Allocation Exactly Wrong

Investors should not have to deal with financial reporters that misunderstand the field they write about.

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A Guide to Investing in REITs

A Guide to Investing in REITs

REITs are one way to get some of the benefit of investing in real estate without as much of the risk.

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Language Matters: Robo-Advisor vs. Robo-Investing

Language Matters: Robo-Advisor vs. Robo-Investing

Robo-advisors do not provide personalized investment advice nor are their recommendations free from conflicts of interest.

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Language Matters: Fee-Based vs. Fee-And-Commission Based

Language Matters: Fee-Only vs. Fee-And-Commission Based

The term “fee-based” was created specifically to confuse consumers.

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Slow and Steady Wins the Race

Slow and Steady Wins the Race

You can learn a lot about financial management from snapping turtles.

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Where to Find the Hidden Fees of Commission-Based Firms

Where to Find the Hidden Fees of Commission-Based Firms

Very few consumers actually read the SEC filings for the firms they have engaged.

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What Are The Problems With Illiquid Alternative Investments?

What Are The Problems With Illiquid Alternative Investments?

If you happen to hold alternative investments and can find a fair price for them, we recommend that you liquidate them.

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The Happy Habits of Appreciation and Gratitude

The Happy Habits of Appreciation and Gratitude

Life planning begins as thoughts and ultimately shapes our entire destiny.

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One Powerful Method To Achieve Higher Investment Returns

One Powerful Method To Achieve Higher Investment Returns

Long-term investing does not require making quick emotional responses.

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You Want An Advisor Who Keeps You From “The Big Mistake”

You Want An Advisor Who Keeps You From "The Big Mistake"

Real financial advisors stand between you and the Big Mistake of buying high and selling low.

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Write Down Your Investment Plan

Write Down Your Investment Plan

To protect yourself from behavioral errors, write down your investment plan.

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Radio: Budgeting Benefits

moody hills

Having a budget as a boundary for your spending gives you the freedom to work within that boundary, and keeps you on track to save for your goals.

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How Cookie-Cutter Powers of Attorney Fail

How Cookie-Cutter Power of Attorneys Fail

This style of Power of Attorney certainly gets the job done, but there are a few ways that the cookie-cutter POA most frequently fails to meet people’s wishes.

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Ten Principles for Teaching Children about Money

Ten Principles for Teaching Children about Money

Here are ten principles for teaching children about money.

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What Is Settlement Date And Why Does It Matter?

What Is Settlement Date And Why Does It Matter?

Most investors think that whenever you buy or sell a security the money is immediately deducted or deposited into your account. This is not true.

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Family Budgeting

Family Budgeting

If a budget isn’t a team effort, one member of the family will hold the purse strings and everyone else will be resentful.

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Guidelines for Using Margin

Guidelines for Using Margin

Too much leverage is risky because it endangers meeting your goals.

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Fund Analyzer Shows Value Of Lower Fees

Fund Analyzer Shows Value Of Lower Fees

Continually curating a list of low cost funds is valuable for long term investors.

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Government Requires 2.5 Hours of Daily Work

Government Requires 2.5 Hours of Daily Work

Without the burden of federal, state, and local taxes, you could leave your job at 2:27pm every day and earn the same salary.

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What is Margin?

What is Margin?

We don’t normally recommend being on margin, but we recommend having the option in case it is needed.

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Radio Interview: The Burden of Government Taxation

Radio Interview: The Burden of Government Taxation

David John Marotta was recently interviewed on radio 1070 WINA’s Schilling Show, discussing taxation and the burden of government.

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Investing Strategies for an Irrational Brain

Investing Strategies for an Irrational Brain

Recency bias is perhaps the most difficult natural bias to overcome.

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Department of Labor’s New Fiduciary Ruling

Department of Labor's New Fiduciary Ruling

Any legislation which can include FINRA’s commission-based advisors will dilute what it means to be a fiduciary.

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Dimensional On: Staying in the Market

Dimensional On: Why Should We Invest Internationally?

“It is always a difficult experience for investors to stay in markets.”

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Tax Loss Harvesting and Wash Sales

Tax Loss Harvesting and Wash Sales

Wash sale rules need to be followed when realizing capital losses for taxes but can be burdensome to track and monitor.

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Financial Planning Beyond Your Wedding Day

hearthands

In addition to registering for a blender and picking floral arrangements, make sure that your marriage has the financial accounts and monetary habits necessary to meet your shared financial goals.

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How To Instill Good Financial Habits In Your Children

How To Instill Good Financial Habits In Your Children

Give your children experience spending their own money.

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Dimensional On: Why Should We Invest Internationally?

Dimensional On: Why Should We Invest Internationally?

“Historically there has been a wide variety of returns from US and International stocks, and when one does poorly often another does well.”

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How Long Should I Give An Investment Plan?

How Long Should I Give An Investment Plan?

Even the most brilliantly crafted investment plan has to be given time to work.

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Fund Your 401(k) If You Believe In Free Markets

Fund Your 401(k) If You Believe In Free Markets

I recently read a foolish article entitled “Call for a National Savings Plan” that assumed we haven’t tried a national savings plan already.

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Streamline Your Finances with Schwab Checking

Streamline Your Finances with Schwab Checking

This Schwab checking account provides six impressive services not true for most local banks.

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Can’t All Advisors Make Trades On My Behalf?

Can't All Advisors Make Trades On My Behalf?

Only give someone who is required to honor your best interest the ability to trade in your account without talking to you.

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Why We Do Not Use Active Management

Why We Do Not Use Active Fund Managers

Index investing seeks to track the return of a portion of the market. The opposite is active management.

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Radio: Three Investing Mistakes

three geese

David John Marotta was interviewed on radio 1070 WINA’s Schilling Show discussing three big investing mistakes.

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How to Send Schwab Notifications to Two Emails

How To Get Schwab Trade Confirmations Sent To Two Different Emails

A little extra work can ensure that both spouses receive important email notifications from their custodian.

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Mailbag: Why Doesn’t Everyone Want High-Yield Bonds?

Mailbag: Why Doesn't Everyone Want High-Yield Bonds?

We don’t recommend high yield bonds because they do nothing good for your overall portfolio.

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Start Early on Retirement Planning

Start Early on Retirement Planning

Retirement planning should begin the moment you receive your first paycheck.

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Nine Unfortunate Facts of Health Savings Accounts

9 Unfortunate Facts of Health Savings Accounts

An HSA is one of many accounts used in comprehensive wealth management for tax optimization and planning.

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Radio: Market Returns for 2015

2015 Asset Class Returns

David John Marotta was interviewed on the Schilling Show discussing how the markets performed last year and lists 4 mistakes to avoid.

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Why Gold Has Utterly Failed as a “Safe Haven”

Why Gold Has Utterly Failed as a "Safe Haven"

Gold sounds like it should provide a safe haven of your purchasing power much more than it has actually done so.

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How Roth Conversions Are Reported to the IRS

How Roth Conversions Are Reported to the IRS

The Internal Revenue Service (IRS) is notorious for misunderstanding the recharacterizations of Roth conversions.

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Investing Mistake: Forgetting About Inflation

Investing Mistake: Forgetting About Inflation

Taking inflation into account changes nearly everything about financial planning.

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A Case Study In Volatility

A Case Study In Volatility

While volatility can make a fund more attractive on the way up, it can also make a fund less attractive on the way down.

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Asset Allocations for UVA Retirement Plans at Fidelity

Asset Allocations for UVA Retirement Plans at Fidelity

The University of Virginia plan includes funds sufficient to produce these excellent portfolios.

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Marotta’s 2016 UVA Fidelity 403(b) Calculator

University of Virginia's Serpentine Walls

Age appropriate asset allocation for 2016 using the choices available in the University of Virginia’s Fidelity 403(b) Tax Deferred Savings Plan (TDSP).

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Marotta’s 2016 UVA Fidelity 401(a) Plans Calculator

UVA Fidelity 401(a) Plans Calculator

Age appropriate asset allocation for 2016 using the choices available in several of the University of Virginia’s Fidelity Retirement Plans.

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What Are The Odds That The Stock Market Will Go Up This Year?

What Are The Odds That The Stock Market Will Go Up This Year?

The stock is more likely to go up than down, but how volatile are the markets really?

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Qualified Charitable Distributions (QCDs) from IRAs

Qualified Charitable Distributions

QCDs allow individuals age 70 1/2 or older to give directly to a charity from your IRA without counting the distribution as taxable income.

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