Start Saving for College the Day They Are Born
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My youngest is a first-year student at the University of Virginia. My coauthor Matthew’s youngest child was born only a month ago. There is no such thing as saving too early.

Reflecting on 2009 Returns Provides Lessons Going Forward
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Those who moved their investments to the supposed safety of Treasury bond investments were deeply disappointed.

Video: Comprehensive Wealth Management: Life Planning, Part 8
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Life Planning is an important part of the wealth management process. It’s not enough to have money; you need to know what the money is for.

Video: Comprehensive Wealth Management: Life Planning, Part 3
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Life Planning is an important part of the wealth management process. It’s not enough to have money; you need to know what the money is for.

Video: Comprehensive Wealth Management: Life Planning, Part 9
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Life Planning is an important part of the wealth management process. It’s not enough to have money; you need to know what the money is for.

Video: Comprehensive Wealth Management: Life Planning, Part 4
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Life Planning is an important part of the wealth management process. It’s not enough to have money; you need to know what the money is for.

Video: Comprehensive Wealth Management: Life Planning, Part 6
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Life Planning is an important part of the wealth management process. It’s not enough to have money; you need to know what the money is for.

Video: Comprehensive Wealth Management: Life Planning, Part 2
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Life Planning is an important part of the wealth management process. It’s not enough to have money; you need to know what the money is for.

Video: Comprehensive Wealth Management: Life Planning, Part 5
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Life Planning is an important part of the wealth management process. It’s not enough to have money; you need to know what the money is for.

Video: Comprehensive Wealth Management: Life Planning, Part 10
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Life Planning is an important part of the wealth management process. It’s not enough to have money; you need to know what the money is for.

Video: Comprehensive Wealth Management: Life Planning, Part 7
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Life Planning is an important part of the wealth management process. It’s not enough to have money; you need to know what the money is for.

Radio: 2010 Investment Review
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David Marotta discusses 2010 in review and the outlook for 2011.

Last Chance for a Segregated Roth Conversion
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You are a good candidate for a Roth conversion in 2010 if you expect your tax bill to be higher in the future.

Going John Galt
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If you’re not an economist, you may vastly underestimate the negative impact of taxes on the U.S. economy.

Video: Health Savings Accounts
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Employers and employees alike are feeling the squeeze of swelling health care costs. According to the Kaiser Family Foundation, health insurance premiums have risen at an average rate of 12 percent per year since 2000. Unable to keep up with rising premiums, employers are forced to pass on costs to employees, to trim benefits, or worse yet, to dump the coverage all together.

Video: A Roth Conversion Makes Cents
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There are years and situations when a Roth conversion is not appropriate, but they are often surrounded by years when it should be considered.

Marley’s Ghost Was Haunted by Regret
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Misers may sleep well tonight, but they won’t eat well in 20 years.

Video: Squirrel Away Money While You Can
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In 1985, an MIT professor won the Nobel Prize for a simple technique that squirrels have known intuitively from birth — you have to “squirrel” away some nuts during times of plenty so you can survive during times of scarcity.

Fourteen Tax Management Techniques
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No one approaches financial planning with the goal of paying more taxes. Tax management, like all financial planning, is based on the premise that small changes made over time can achieve big goals.

Video: Health Savings Accounts May Save You Money
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Employers and employees alike are feeling the squeeze of swelling health care costs.

Mindless Spending 2: You’ll Get By with a Little Help from Your Friends
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Both mindless eating and mindless spending rely on our subconscious need to follow scripts to pace our consumption. Community plays a huge role in regulating our financial destiny–either a path of savings that builds real wealth or a path of spending that leads to impoverishment.

Mindless Spending 1: Frequency Matters More Than Height
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We all think we can’t be fooled by something as obvious as the the difference between height and width. But our brains are wired that way, without exception.

Women Have Unique Financial Needs
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Retirement planning is even more crucial for women than for men.

Video: Small Business Owners Benefit Most from Tax Planning
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Small business owners enjoy more flexibility when it comes to tax maneuvering. That’s why tax planning is especially important for small businesses. Whether your business employs one employee or one hundred employees, last-minute tax moves can save you money, if you act before the end of the year.

Video: Year-End Tax Planning Could Significantly Save You Money
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Even if you didn’t make a penny more next year, how can you have more dollars for next year’s holiday
season? Reduce your taxes. Between now and the end of the year there are several last-minute tax moves that may save you significant amounts of money. After January 1st, there’s little to do but pay-up.

The Whip Cracks Both Ways
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Volatility, therefore, is a matter of perspective. Like the crack of a whip.

Video: College Planning is Worth a Million Bucks
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Four-years of college currently cost $60,000 at a public university. In eighteen years, it may cost more than $145,000. To stay ahead of rising tuition costs, you should plan ahead and save early. Tax-favored 529 accounts can help you provide an excellent college education for your children and grandchildren.

Radio: A Better Plan For Healthcare
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Public policy to increase choices for healthcare coverage.

The Case Against Centralized Health Care
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You may have to jail a few rebels for health insurance evasion.

Video: Be Smart When You Roll Over Your 401(k)
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There are few better investment returns than an employer’s matching contribution made to your 401(k). But after you retire or leave that company’s employment, you should almost always roll your 401(k) into an IRA for better investment choices. Being smart by rolling over your 401(k) can pay dividends for decades.

A Compromise to Achieve Universal Coverage
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We need a safety net, not a hammock.

More Profitable Health Care Is the Solution
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Some doctors start the year $250,000 in debt.

Video: Timing the Market Isn’t All Fun and Games
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Market timing is the attempt to switch a significant portion of your assets between different types of investments in an effort to maximize profits. If this is your investment strategy, good luck, because you’ll need it.

Avoiding a Civil War over Health Care
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Half of the country are political Vikings who pay their taxes by raiding and pillaging the productive.

Cash For Clunkers: The Economy And The Environment Suffer
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A country can’t prosper destroying perfectly good used cars.

Video: The 5 Most Important Documents to Have
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Communicating honestly about your finances with your family and putting your estate in order passes on a legacy of foresight and financial wisdom that will help generations to come.

Investment Strategies Part 5: In Defense of Diversification
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Diversifying your asset allocation among investments with a low correlation can and should reduce your portfolio’s volatility and boost your returns. But critics are claiming this strategy is no longer valid. That’s because they don’t understand the nature of what happened in 2008.

Seven Termites That Eat Your 401(k)
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We call the difference between the market return and typical investor returns the “termite gap.”

Video: Choose the Appropriate Investment Vehicle
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There are significant advantages to using different investment vehicles in different types of accounts.

A Full Credit Lockdown
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Identity theft is becoming distressingly common as personal information becomes easier to swipe.

Video: How to Avoid Higher Cost Mutual Funds
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Investing in some mutual funds is like buying a $3 candy bar and paying $5 shipping and handling. All mutual funds are not created equal, and you can boost your returns by doing a little homework before writing a check.

Video: Managing Cash is Key to Meeting Goals
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Managing your family’s cash is key to meeting your financial goals.

Safeguard #8: Avoid an Advisor with a Lavish Lifestyle
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There will always be swindlers masquerading as investment advisors. You can learn to recognize such people by their over-the-top lifestyle.

Safeguard #7: Avoid Investment Advisors Who Sugarcoat Reality
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Excellent advisors communicate clearly exactly how bad the markets have been and can be.

Investment Strategies Part 4: Don’t Rebalance at the Sector Level
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Rebalancing between asset classes boosts returns and decreases volatility. But setting your asset classes based on sectors of the economy is not an effective strategy.

Investment Strategies Part 3: Rebalance Regularly Between Asset Classes and Subcategories
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In this formula is deep wisdom, both for portfolio construction and for determining which categories are worth regular rebalancing.

Video: June: The Month of Wedding Financial Planning
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Couples getting married in June usually don’t take the time for pre-marital financial counseling. Yet much of the friction in marriage stems from different financial perspectives, and how money is handled is often a factor in divorce

Investment Strategies Part 2: Use Correlation to Define Asset Classes
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Generally, a correlation that can drop below 0.6 with other asset classes is a good candidate to become its own asset class.

Investment Strategies Part 1: Rebalance into Stable Investments in an Appreciating Market
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Diversifying your portfolio means finding assets that have value on their own merits but do not move exactly alike. A critical investment metric called “correlation” is used to construct a portfolio most likely to meet your personal financial goals.

Achieving Family Harmony in Estate Planning Part 2: Make Sure Your Plan Fits Your Unique Needs
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Estate planning must begin with family harmony as the goal. Thus personal dynamics are more important than avoiding probate and estate taxes.

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