Author Archives: David John Marotta

This is much better advice if civilization is continuing than if it is collapsing.

I expect we have seen the bottom of both the housing market and 30-year fixed interest rates.

Countries high in economic freedom, including the United States, outperformed global indexes.

This WHO 2000 Statistical Report was the study used to justify and promote the Affordable Care Act. Here are seven facts about this so-called research lurking behind politicians’ claims that our health care system is in crisis

Northern Europe beats the EAFE Foreign Index by 0.82% in October.

Should you buy as much gold as you can get your hands on?

Planning on future cash needs allows you to use specific accounts for tax planning purposes.

Emerging markets produced some of the highest returns during the month of October.

A change in attitude is needed for the poor to develop a wealth-generating mindset.

A total of 85 different income-tested benefit programs and their expenditure as of 2002.

In October 2013 the balanced portfolio of a 40-year had a nice 3.54% monthly return.

Comprehensive wealth management is a bottomless task.

Although it would be wonderful if we lived in a world that lived up to the ideals of the Utopian Vision, we believe along with Stephen Pinker that reality supports the Tragic Vision.

Your opinions depend on your view of humanity.

The most important product of estate planning is achieving family harmony.

Without a doubt, the best single annuity option for any client – that is, the option that creates the higher monthly cash payment – is to delay Social Security.

Historically September has one of the worst averages, but this year it provided very good returns.

Even the negative or inconsequential effects of welfare often fail to convinced some people that a new system of assistance is necessary.

We recommend investing in countries which are high in economic freedom and low in debt and deficit.

Northern European countries averaged 6.23% in September 2013.

Having a plan not to run out of money is priceless.

In September 2013 the returns of foreign stocks beat US stocks by 4.25%.

Blaming the 85% with 100% of the wealth for the poverty of the remaining 15% is unreasonable. The two are unrelated.

“A well-designed financial plan can get derailed by the wrong investment. Here are seven things investors can probably do without.”

A dollar saved on your taxes is better than a dollar earned which causes you to pay more tax.

The partisan deadlock offers us a novel opportunity to reach consensus.

Just how much value does a smart advisor bring with asset allocation and rebalancing wisdom?

“The telephony, the bulk collection of America’s telephony metadata is contrary to the entire intent of Congress in enacting the Foreign Intelligence Surveillance Act. It violates the statutory provisions of FISA. And it is unconstitutional.”

Spending, Debt and Deficit as a percentage of GDP continue to grow unchecked. What political process will ever stop them from bankrupting our country?

The video “Wealth Inequality in America” is not only misleading, but the research methods of its underlying study are laughable.

Age appropriate asset allocation for 2014 using the choices available in the University of Virginia’s Fidelity 403(b) Tax Deferred Savings Plan (TDSP).

Age appropriate asset allocation for 2014 using the choices available in several of the University of Virginia’s Fidelity Retirement Plans.

Planners can add the equivalent of a 1.82% annual arithmetic return to clients through five components.

Let’s spend $1.25 *billion* to enlist acceptance of Obamacare by young people.

Requiring employers to deliver government propaganda is genius.

You deserve a fee-only fiduciary standard of care.

Obnoxious, playboy Tony Stark, more commonly known as Iron Man, is admired by his fictional and real fans alike. Why not real life CEOs?

Here are the returns for various global investments.

In August 2013 the northern European countries did slightly worse than the EAFE Index.

It is a small investment which you should expect to be volatile and relatively disappointing when the markets are doing well.

Investments consistently outperform investors.

Returns in August were negative across the board with US stocks losing the most.

This series of blog posts were intended to be a more reasoned reply to a complex issue.

Most Americans have a home mortgage. The rich often have two.

Getting out of debt is the first step to building real wealth.

Fun first. Freedom first. Innovation first. Financial goals first. But not safety. No one says, “That looks safe; I wonder if it is fun.”

Does it actually make sense that people should buy annuities as much as conventional wisdom says?

“They don’t deserve it!” is the most common complaint. And in most cases it’s true

This should not produce a hand-wringing vacillation between the two answers.

When I work my 9 to 5 job and earn a paycheck, I receive a paper certificate I can trade in for the real reward of my labor. But why do investors get a reward?