Author Archives: David John Marotta

Excellence and low cost can go together.

If the TSA were abolished, that would not mean that airports would be any less secure.

The regulation is an attempt to protect participants who don’t understand the rules set up by the government.

This is called “regulatory capture” and is quite common in government regulatory agencies such as the SEC.

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

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

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

Are you consenting to harmful conduct by your financial advisor?

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

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

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

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.

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.

Who would ever want unplanned and unintentional financial advice?

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

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.

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.

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

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

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

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

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.

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

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.

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

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

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

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.

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.

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

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

At Marotta Wealth Management, we believe that a team collaborating on your behalf provides you with better service.

Predicting future inflation is difficult at best.

We find the practices of much of the financial services industry repulsive.

We believe that the basic principles of financial planning are the same no matter how many zeros you add.

The bonus in returns of countries with freedom over and above the MSCI EAFE foreign index ranges from 1.28% to 1.91%.

In recognition of its efforts to reduce its debt and deficit and Ireland’s return to the “free” category of the economic freedom index, I think the letter I for Ireland should be removed from PIIGS and it should return once more to just PIGS.

If this is the approach you want for your financial planning, give us a call to get started today!

US Large Cap is currently valued at the historical average again after taking into account the expected increase in corporate earnings.

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

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.

A blended portfolio has had a higher mean return than either fund by itself.

We offer comprehensive wealth management services.

Wise decisions cannot be made in isolation from their impact on other areas of your financial life.

A gone-fishing portfolio using the no-transaction fee funds currently available at Fidelity.

We recommend this gone fishing portfolio for accounts hosted at Fidelity.

We require each Investment Committee member to have, at a minimum, the Certified Financial Planner™ (CFP®) or Chartered Financial Analyst ® (CFA) designation.

Truly diversified portfolios don’t move in sync with the Dow.

Marotta Wealth Management (originally Marotta Asset Management) was founded in 2000 by David John Marotta.