Roth IRAs Make Great Estate Planning Tools
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Taking the smallest distribution each year will ensure the beneficiary achieves the maximum tax-free growth of tax-free income.

How Does Compliance Differ Between Smaller Firms and Large Brokers?
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It is relatively easy for an adviser who has a 400 lawyer compliance department to sit through some compliance continuing education and yet never understand what attitudes and behaviors need to be changed.

Radio: Should the Government Use Force to Make College Education Free?
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David John Marotta was interviewed on radio’s Schilling Show discussing the relationship between the government and college education.

Hedge Funds and Long/Short Strategies
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Long/short strategies use the money from the stocks they have shorted to purchase extra stocks that they hope will go up.

Are You Paying For Your Fund’s Advertising?
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If you own some mutual funds, chances are you are paying a hefty marketing price.

Most People Take Social Security At The Worst Possible Age
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While taking Social Security at age 70 is not optimal for everyone, age 62 is optimal for almost no one.

Finding Someone You Can Trust
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Those who believe that more regulation is the answer don’t understand how human nature works.

How to Monitor Your Financial Advisor
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When seeking a financial advisor, you should find out if they are willing to sign a fiduciary oath putting your interests above those of their employer.

Economic Indicators: Gross Domestic Product (GDP)
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Under one theory, changes in GDP or the rate of GDP growth precede and could cause stock markets to react and move in response. This is usually not the case.

Beware of Dire Market Crash Predictions
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I receive dire predictions with such frequency that were I to act on even a fraction of them I would never be invested in the markets.

Where Should I Invest Money Which I Will Need in a Year or Two?
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Return comes with an element of risk. There is no safe investment which also pays a good rate of return.

The Golden Bear: The Bear Market of 1973
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This Bear market is considered one of the greatest challenges to retirement planning.

Wealth Management Is In Your Control
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Many feel helpless to direct their own success, but nothing could be further from the truth.

Planning for a Funeral
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Funeral expenses are often a family’s fourth largest expense.

Do Children Need To File A Tax Return To Fund Their Roth IRA?
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The IRS does not require dependents whose gross income is only earned income to file a tax return if the amount is less than a certain amount.

Recouping Losses Is Not As Hard As You Think
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Many advisors and most investors don’t really understand the math on how to compute investment returns.

Radio: The Importance of Real Estate
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David John Marotta was interviewed on radio’s Schilling Show discussing real estate and its importance in your total net worth.

Changing Your Financial Behavior Is Difficult
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Our minds are wired to quickly generalize on perceived trends and react to them.

Double Bottom Bear: The Bear Market of 1970
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Bear Markets are unpredictable, but there is no reason that they should be a cause of distress.

How Much Can I Withdraw in Retirement?
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We have calculated safe withdrawal rates for ages 0 to 100 based on age-appropriate asset allocation mixes.

5 Reasons to Have Some Cash Equivalents
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There are at least five reasons to hold cash. Without a good reason to hold cash, you may be holding too much.

TD Ameritrade Trust Company President Gets “Fee-Only” Wrong
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It should be clear that “fee-only” means “fee-only,” not “fees and third-party manager revenue-sharing and trailing mutual fund fees.”

Family Financial Lifecycle
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Before the children arrive, squirrel away some money. When the children go out on their own you get one last chance to save for retirement.

BREXIT: Britain’s Independence Day
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The future may be uncertain, but the markets are quite reliable in the long run.

Narrowly Framed Questions Fail to Meet Life Goals
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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.

Radio: Nine Ways to Secure Your Finances
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Here are nine steps you should take to make it more difficult for criminals and identity thieves to steal your personal information.

Bloomberg Article Gets Asset Allocation Exactly Wrong
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Apparently the idea behind asset allocation is more complex than they think.

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

Language Matters: Robo-Advisor vs. Robo-Investing
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David M Zolt writes in his article “Industry needs to rid itself of misleading labels” that “profound misrepresentation is just one of the many ways the financial services field misleads customers with language.” It is absolutely true. He explains: Language … Read More

Language Matters: Fee-Based vs. Fee-And-Commission Based
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The term “fee-based” was created specifically to confuse consumers.

Where to Find the Hidden Fees of Commission-Based Firms
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Very few consumers actually read the SEC filings for the firms they have engaged.

What Are The Problems With Illiquid Alternative Investments?
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The larger the spread, the more likely you should neither buy nor sell the asset.

The Happy Habits of Appreciation and Gratitude
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Life planning begins as thoughts and ultimately shapes our entire destiny.

One Powerful Method To Achieve Higher Investment Returns
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Long term investing does not require making quick emotional responses.

You Want An Advisor Who Keeps You From “The Big Mistake”
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Real financial advisors stand between you and the Big Mistake.

Write Down Your Investment Plan
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To protect yourself from behavioral errors, write down your investment plan.

Radio: Budgeting Benefits
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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.

How Cookie-Cutter Powers of Attorney Fail
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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.

Ten Principles for Teaching Children about Money
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Here are ten principles for teaching children about money.

What Is Settlement Date And Why Does It Matter?
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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.

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

Guidelines for Using Margin
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Too much leverage is risky because it endangers meeting your goals.

Fund Analyzer Shows Value Of Lower Fees
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Continually curating a list of low cost funds is valuable for long term investors.

Government Requires 2.5 Hours of Daily Work
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Without the burden of federal, state, and local taxes, you could leave your job at 2:27pm every day and earn the same salary.

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

Radio Interview: The Burden of Government Taxation
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David John Marotta was recently interviewed on radio 1070 WINA’s Schilling Show, discussing taxation and the burden of government.

Investing Strategies for an Irrational Brain
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Recency bias is perhaps the most difficult natural bias to overcome.

Department of Labor’s New Fiduciary Ruling
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Any legislation which can include FINRA’s commission-based advisors will dilute what it means to be a fiduciary.

Dimensional On: Staying in the Market
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“It is always a difficult experience for investors to stay in markets.”

Tax Loss Harvesting and Wash Sales
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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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