This Month, We Removed the Energy Overweight from Our Allocations (October 2020)
with No Comments

We believe that holding on to Energy and waiting for it to recover might mean missing out on greater gains elsewhere.

A Guide to Your In-Plan Roth Conversion at RiversEdge
with No Comments

The form is amazingly straightforward. Once the paperwork has been processed though, it can be difficult to find out how much was converted.

How to Inherit a Roth IRA Outright From a Trust at Schwab
with No Comments

Beneficiary designations directly to your heirs are a cleaner estate planning solution.

The Most Tax-Efficient Method of Leaving Assets to Charity in Your Estate
with No Comments

If you have a charity among your heirs, there is the possibility for tax savings.

#TBT Vote Early Instead of Voting Absentee (Virginia)
with No Comments

Voting early is as easy as voting in-person. You can vote whenever is convenient for you including right now and until October 30.

Using Complex Beneficiary Designations to Give Your Heirs Flexibility
with No Comments

Not every custodian is willing to accept the complexity, but I am grateful that Schwab is.

#TBT Where is Your Priority: Tax Preparation or Tax Planning?
with No Comments

Tax planning is very different than tax return preparation. The goal of tax preparation is to minimize your tax owed this year. The goal of tax planning is to maximize your after-tax net worth by minimizing your taxes owed over your lifetime.

How to Use An Efficient Frontier Graph
with No Comments

While an efficient frontier graph cannot hand you a perfect asset allocation, it remains a useful tool in analyzing what the past can tell us about a wide variety of investments.

Marotta Family Saying: Hit by the Bus
with No Comments

We pride ourselves on regularly and seamlessly offering our services regardless of who is working and who is taking time off.

#TBT Marital Harmony with a Few His and Her Budgets
with No Comments

Each spouse has different spending habits and values different things in life. It’s okay for your budget to reflect that.

How to Cash Your Paper Treasury Bond
with No Comments

Here is a guide for how to find out what your bond is worth, decide whether you should keep it until maturity or cash out early, and how to get money for your paper.

Our Answers to Paladin Registry’s 27-Question Interview
with No Comments

Regardless of the usefulness of their questions or their website, I enjoy answering every set of advisor questions I find.

Can a College Drop-Out Reimburse for Expenses Out of a 529 Plan?
with No Comments

Hopefully this simple guide helps you get started in the right direction for correcting these surprise excess distributions.

Vote Early Instead of Voting Absentee (Virginia)
with No Comments

Voting early has the same process as voting in-person.

Q&A: Can a 529 Reimburse for Last Year’s Expenses?
with No Comments

Unfortunately, neither “yes” nor “no” is a correct answer to this question.

#TBT Diversify and Rebalance More Than Just Your Investments
with No Comments

During this season of uncertainty, this 2018 article reminds us that diversification and rebalancing in our non-financial portfolios can help as well.

How to Save for Retirement When You Are Old And Broke
with No Comments

No matter how small your savings or when you start accumulating them, those small changes have large effects over time.

Where to Find Paperless Shareholder Materials on Schwab.com
with No Comments

The best way to find old shareholder materials is to search your own email inbox.

Before the Estate Tax Exclusion Sunsets in 2026
with No Comments

Individuals with more than $5M may be served well from gifting to utilize the higher estate exclusions before they sunset.

How to Transfer 529 Funds From One Family Member To Another
with No Comments

You can transfer up or across the family tree. However, if you want to transfer down a family tree, you can run into taxation problems.

Socially Responsible Consumption Instead Of Socially Responsible Investing
with No Comments

Even if you are just a tiny piece of the puzzle, all the pieces are essential.

Marotta Family Saying: Be a Bad Poet
with No Comments

The phrase “bad poet” reminds me of that day when I was in elementary school. It is a lesson for each of us, regardless of our income level.

#TBT Do Investors Deserve to Make Money?
with No Comments

This 2013 article explores whether the person who sits idly by while their stocks increase their net worth deserves the money they make.

Four Reasons to Rebalance
with No Comments

In these ways, rebalancing can be of great value to a long-term investor’s portfolio.

The S&P 500 Recovered Today from the 2020 COVID Bear Market
with No Comments

Those who flat-lined to cash or who waited to invest their cash until the markets looked better missed out on the recovery.

How to Change Your IRA Beneficiary Designations After the SECURE Act
with No Comments

Now non-nuclear family or friends who are more than 10 years younger than the decedent and in good health are never eligible for stretch provisions and must distribute the whole balance over 10 years.

A Surprising Lesson from the COVID Quarantine
with No Comments

Yes, we are merely human, but our ideas and our analysis are powerful.

Who Should Own My Child’s 529 Account to Assist the FAFSA?
with No Comments

With the grandparents as the owner rather than the parent, the student may have a better chance of receiving financial aid.

Can I Deduct a 529 Contribution to an Account I Don’t Own?
with No Comments

Unfortunately, the answer is that you cannot. The 529 account owner receives any state tax deductions for contributions make to their account.

We Added 2 New U.S. Stock Sectors to Our Allocations
with No Comments

We decided to add two new sectors after generating several hundred efficient frontier graphs of various United States classifications, industries, and sectors over a variety of time periods.

How to Claim Your Virginia State Tax 529 Contribution Deduction
with No Comments

Form ADJ of the 760 lines 8a – 8c are where you report miscellaneous deductions.

Risk-Return Analysis of Freedom Investing
with No Comments

In this article, I am reviewing the quantitative measurements and performance metrics of Freedom Investing to see how its risk and return compare to the EAFE Index, its benchmark.

How to Designate Your Donor Advised Fund as a Beneficiary of Your IRA
with No Comments

You may or may not want to leave anything to your favorite charity. However, if you do, there are often advantages to using a Donor Advised Fund over designating the charity directly.

Virginia 529: What Counts as a Unique Account for Per-Account Deductions?
with No Comments

Oddly enough, what qualifies something as a unique account is both a unique account registration and investment portfolio selection.

How to Add, Edit, or Remove a Trusted Contact at Schwab
with No Comments

This designation gives both Schwab and your financial advisor the permission to contact the named individual if either of us were ever concerned that you or your finances were being taken advantage of.

Impact Investing Could Do the Opposite of Its Intentions
with No Comments

If a morally questionable idea is a valuable money maker, then your avoidance of that fund will only give more wealth to those whose conscience is clear investing in it.

#TBT How to Budget for Emergencies: Trip to Hospital
with No Comments

This is the financial shock of a trip to hospital. It is upsetting, expensive, and unexpected.

Six Reasons to Sell for a Loss
with No Comments

Even though a holding has gone down, there can be several advantages to selling it anyway. Here are six reasons you may want to sell for a loss.

Account Balance vs. Time-Weighted Return
with No Comments

In market downturns, often the newest investor reports recovering the fastest due to a simple reporting error.

Hong Kong Still Has a Place in Freedom Investing
with No Comments

Hong Kong has always been an anomaly: a tiny, extremely free country with an expiration date in 2047.

The Best Way to Fund a Charles Schwab Account
with No Comments

After you have opened your account, there are many methods of contributing to or funding your Charles Schwab account. The best and easiest four methodologies are as follows.

Before August 31: Another Chance to Redistribute Your 2020 RMD
with No Comments

This latest notice now gives both seniors and heirs who have not yet been able to put their formerly RMD funds back into their IRAs the chance of redistributing those funds to the IRA that distributed them.

More Freedom Investing Added to Marotta’s Schwab IIP Asset Allocation (June 2020)
with No Comments

As a result of new fund additions, we added five new country-specific funds to our Schwab Institutional Intelligent Portfolio asset allocations.

Can the Misery Index Predict a Second Drop?
with No Comments

There are many possible futures which could produce any number of outcomes that would be normal market volatility.

A 25-Year Review of Freedom Investing
with No Comments

These findings together demonstrate how Economic Freedom seems to have been a valid factor for higher expected returns than investing in the EAFE Index alone.

This Month, We Leveled Our Small Cap Value Allocation (June 2020)
with No Comments

As we are still in the midst of COVID-19 quarantines, we will have to wait to see what continuing or lifting restrictions actually does to companies, their expected earnings, and their market pricing.

#TBT Can I Contribute to Both a SEP and a 401(k)?
with No Comments

The IRS very clearly says, “Yes, you can set up a SEP for your self-employed business even if you participate in your employer’s retirement plan at a second job.”

How to Spend: Waste Nothing
with No Comments

The presumption that there is always more fun to be had has a two-fold positive effect on my life.

How to Open an Account Using Schwab.com
with No Comments

If you want to open a Scwhab account to be hand-traded by Marotta, then one option for opening that account is to use Schwab.com’s online account open.

1 2 3 4 13

Like what you read? Subscribe to our newsletter!