Wash sale rules need to be followed when realizing capital losses for taxes but can be burdensome to track and monitor.
Give your children experience spending their own money.
“Historically there has been a wide variety of returns from US and International stocks, and when one does poorly often another does well.”
Even the most brilliantly crafted investment plan has to be given time to work.
I recently read a foolish article entitled “Call for a National Savings Plan” that assumed we haven’t tried a national savings plan already.
This Schwab checking account provides six impressive services not true for most local banks.
Only give someone who is required to honor your best interest the ability to trade in your account without talking to you.
Index investing seeks to track the return of a portion of the market. The opposite is active management.
David John Marotta was interviewed on radio 1070 WINA’s Schilling Show discussing three big investing mistakes.
A little extra work can ensure that both spouses receive important email notifications from their custodian.
We don’t recommend high yield bonds because they do nothing good for your overall portfolio.
Retirement planning should begin the moment you receive your first paycheck.
An HSA is one of many accounts used in comprehensive wealth management for tax optimization and planning.
David John Marotta was interviewed on the Schilling Show discussing how the markets performed last year and lists 4 mistakes to avoid.
Gold sounds like it should provide a safe haven of your purchasing power much more than it has actually done so.
The Internal Revenue Service (IRS) is notorious for misunderstanding the recharacterizations of Roth conversions.
Taking inflation into account changes nearly everything about financial planning.
While volatility can make a fund more attractive on the way up, it can also make a fund less attractive on the way down.
The University of Virginia plan includes funds sufficient to produce these excellent portfolios.
Age appropriate asset allocation for 2016 using the choices available in the University of Virginia’s Fidelity 403(b) Tax Deferred Savings Plan (TDSP).
Age appropriate asset allocation for 2016 using the choices available in several of the University of Virginia’s Fidelity Retirement Plans.
The stock is more likely to go up than down, but how volatile are the markets really?
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.
The story of Liberty Farm’s struggle to survive the regulatory attack by Fauquier County government.
Here is a review of Marotta’s 2015 Vanguard Gone-Fishing Portfolio and a description of our changes for 2016.
If you are using Vanguard, we have created a gone fishing portfolio using only low-cost Vanguard mutual funds to help save money on transaction costs.
A donor advised fund makes the process of charitable giving simple and easy.
David and host Rob Schilling discuss what estate planning is, why you want to do it, and explain some of the jargon.
The gone-fishing portfolio provides suggested asset allocations for investors up to age 70 and up to $1 million.
A gone-fishing portfolio has a limited number of investments with a balanced asset allocation that should do well with dampened volatility.
Late last year, the IRS proposed asking charities to collect sensitive donor identity information for any charitable gift of more than $250.
Adding a little bit of Chile to your portfolio can boost returns and reduce volatility.
These are just some examples of the creative beneficiary designations, but the important part is to dream big about what your wishes are.
We do not recommend using stop loss orders. Now, it appears that the New York Stock Exchange agrees.
The backdoor Roth strategy involves contributing after-tax funds to a traditional IRA.
We’ve written about how to select securities but in this article we are going to apply those principles to the process of selecting a specific fund for a specific sector of the economy.
David John Marotta was interviewed on WINA’s “Real Estate Matters” show with Michael Guthrie, talking about how it is still a good time to buy a house.
While many investors say they want a low-correlation portfolio, they don’t want to actually experience a low-correlation portfolio.
Here is a simple way to think about commercial property.
While Santa Claus usually brings something positive for the markets, it isn’t enough to worry about jumping in and out of your investments.
“Nothing has provided greater risk control over the long term than equities, which are historically without principal risk over 30-year periods…”
That is a tremendous advantage for businesses in states with less regulatory burden.
For children with lower incomes, there is an opportunity to give them appreciated stock to shift the capital gains to a lower tax bracket.
Being prepared is always a good idea, but so is knowing the costs associated with being prepared.
“In 34 years as a financial advisor, he has seen many people flunk retirement, but investment performance has never been the cause.”
The kiddie tax was first added to the tax code in 1986 for children under age 14. Now, it can burden them until they are 23.
The national average life expectancy is not a good measure for our clients’ life expectancy. That means planning beyond ages 82 and 85.
Financial Christmas gifts don’t need to be a piggy bank. They can be more serious and more meaningful than that.
A fundamental fiduciary principle is to avoid self-dealing.
The Journal of Financial Planning featured a nice column by Harold Evensky entitled “These Innovative Research Papers Deserve Your Attention.”