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.

How To Instill Good Financial Habits In Your Children
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Give your children experience spending their own money.

Dimensional On: Why Should We Invest Internationally?
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“Historically there has been a wide variety of returns from US and International stocks, and when one does poorly often another does well.”

How Long Should I Give An Investment Plan?
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Even the most brilliantly crafted investment plan has to be given time to work.

Fund Your 401(k) If You Believe In Free Markets
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I recently read a foolish article entitled “Call for a National Savings Plan” that assumed we haven’t tried a national savings plan already.

Streamline Your Finances with Schwab Checking
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This Schwab checking account provides six impressive services not true for most local banks.

Can’t All Advisors Make Trades On My Behalf?
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Only give someone who is required to honor your best interest the ability to trade in your account without talking to you.

Why We Do Not Use Active Management
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Index investing seeks to track the return of a portion of the market. The opposite is active management.

Radio: Three Investing Mistakes
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David John Marotta was interviewed on radio 1070 WINA’s Schilling Show discussing three big investing mistakes.

How to Send Schwab Notifications to Two Emails
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A little extra work can ensure that both spouses receive important email notifications from their custodian.

Mailbag: Why Doesn’t Everyone Want High-Yield Bonds?
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We don’t recommend high yield bonds because they do nothing good for your overall portfolio.

Start Early on Retirement Planning
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Retirement planning should begin the moment you receive your first paycheck.

Nine Unfortunate Facts of Health Savings Accounts
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An HSA is one of many accounts used in comprehensive wealth management for tax optimization and planning.

Radio: Market Returns for 2015
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David John Marotta was interviewed on the Schilling Show discussing how the markets performed last year and lists 4 mistakes to avoid.

Why Gold Has Utterly Failed as a “Safe Haven”
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Gold sounds like it should provide a safe haven of your purchasing power much more than it has actually done so.

How Roth Conversions Are Reported to the IRS
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The Internal Revenue Service (IRS) is notorious for misunderstanding the recharacterizations of Roth conversions.

Investing Mistake: Forgetting About Inflation
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Taking inflation into account changes nearly everything about financial planning.

A Case Study In Volatility
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While volatility can make a fund more attractive on the way up, it can also make a fund less attractive on the way down.

Asset Allocations for UVA Retirement Plans at Fidelity
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The University of Virginia plan includes funds sufficient to produce these excellent portfolios.

Marotta’s 2016 UVA Fidelity 403(b) Calculator
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Age appropriate asset allocation for 2016 using the choices available in the University of Virginia’s Fidelity 403(b) Tax Deferred Savings Plan (TDSP).

Marotta’s 2016 UVA Fidelity 401(a) Plans Calculator
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Age appropriate asset allocation for 2016 using the choices available in several of the University of Virginia’s Fidelity Retirement Plans.

What Are The Odds That The Stock Market Will Go Up This Year?
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The stock is more likely to go up than down, but how volatile are the markets really?

Qualified Charitable Distributions (QCDs) from IRAs
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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.

Documentary: Farming in Fear
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The story of Liberty Farm’s struggle to survive the regulatory attack by Fauquier County government.

Marotta’s 2016 Vanguard Gone-Fishing Portfolio
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Here is a review of Marotta’s 2015 Vanguard Gone-Fishing Portfolio and a description of our changes for 2016.

Marotta’s 2016 Vanguard Gone-Fishing Portfolio Calculator
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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 Complete Guide To Donor Advised Funds
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A donor advised fund makes the process of charitable giving simple and easy.

Radio Interview: Wills, Estates, and Beneficiaries
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David and host Rob Schilling discuss what estate planning is, why you want to do it, and explain some of the jargon.

Marotta’s 2016 Gone-Fishing Portfolio
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The gone-fishing portfolio provides suggested asset allocations for investors up to age 70 and up to $1 million.

Marotta’s 2016 Gone-Fishing Portfolio Calculator
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A gone-fishing portfolio has a limited number of investments with a balanced asset allocation that should do well with dampened volatility.

IRS Wants Charities To Collect And Report Sensitive Donor Identity Information
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Late last year, the IRS proposed asking charities to collect sensitive donor identity information for any charitable gift of more than $250.

Why Invest In Chile?
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Adding a little bit of Chile to your portfolio can boost returns and reduce volatility.

Six Creative Beneficiary Designation Ideas
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These are just some examples of the creative beneficiary designations, but the important part is to dream big about what your wishes are.

Mailbag: Stop Before Using Stop Orders
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We do not recommend using stop loss orders. Now, it appears that the New York Stock Exchange agrees.

After-Tax IRA Contributions Must Be Reported On IRS Form 8606
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The backdoor Roth strategy involves contributing after-tax funds to a traditional IRA.

A Fund Selection Case Study
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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.

Radio: Financial Planning for Buying a Home
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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.

Investors Want Non-Correlated Assets Until They Experience Non-Correlation
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While many investors say they want a low-correlation portfolio, they don’t want to actually experience a low-correlation portfolio.

Should I Buy Commercial Real Estate?
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Here is a simple way to think about commercial property.

Is There A Christmas Rally In the Markets?
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While Santa Claus usually brings something positive for the markets, it isn’t enough to worry about jumping in and out of your investments.

Don’t Mistake Volatility For Loss
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“Nothing has provided greater risk control over the long term than equities, which are historically without principal risk over 30-year periods…”

States With Low Regulation Have 30% More Small Business Payroll Growth
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That is a tremendous advantage for businesses in states with less regulatory burden.

Gifting Appreciated Stock To Family Members
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For children with lower incomes, there is an opportunity to give them appreciated stock to shift the capital gains to a lower tax bracket.

Mailbag: How Much Cash Should I Keep For An Emergency?
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Being prepared is always a good idea, but so is knowing the costs associated with being prepared.

Seven Reasons Your Retirement Might Fail
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“In 34 years as a financial advisor, he has seen many people flunk retirement, but investment performance has never been the cause.”

What is the Kiddie Tax?
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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.

Healthy And Wealthy Adds A Decade To Your Life Expectancy
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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 Gift Ideas
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Financial Christmas gifts don’t need to be a piggy bank. They can be more serious and more meaningful than that.

Ameriprise Sued By Ameriprise Employees Over Excessive 401k Fees
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A fundamental fiduciary principle is to avoid self-dealing.

An Immediate Annuity Is Probably Never The Right Answer
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The Journal of Financial Planning featured a nice column by Harold Evensky entitled “These Innovative Research Papers Deserve Your Attention.”

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