#TBT Fourteen Ways to Avoid Paying Capital Gains
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The capital gains tax is economically senseless. This 2014 post has fourteen of the loopholes the government’s gain tax unintentionally incentivizes.

Marotta’s Tenets of Good Customer Service
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We have four tenets of quality defining our customer service here at Marotta.

Radio: Psychological Manipulation of Helicopter Government
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On June 5, 2018, David John Marotta and Megan Russell appeared on Radio 1070 WINA’s Schilling Show to remember June 5, 2013 and discuss our modern surveillance state.

#TBT How Much Umbrella Insurance Do I Need?
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This 2015 article reminds us of the benefits of umbrella insurance. We recommend $2 to $5 million of umbrella coverage for typical families with assets over $300,000.

Your Investment Manager’s Politics Matter (Where Markets Fail Series)
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An investment manager who is “at times a soft socialist” like Voss will be more likely to engage in active management, market timing, and gambling on individual stocks.

All About Courtney Fraser, CFP®
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We are very pleased to announce that Courtney Fraser is our newest Certified Financial Planner™ (CFP®) at Marotta Wealth Management!

Remembering June 5, 2013
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On this day in 2013, Snowden revealed the U.S. government was actively pursuing the constant surveillance of everyone’s digital life.

Helicopter Government
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At best, it is a crutch holding you up. At worst, it is a ball and chain holding you down.

Guide to Registered Investment Advisors in Charlottesville 2018
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We were surprised by our survey of the registered firms in the Charlottesville area.

Requirements for 529 Accounts (Qualified Tuition Programs)
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According to Internal Revenue Code, in order for an account to be a 529 account, the custodian must meet six requirements.

Radio: Why Regulation Does More Harm than Good
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It is commonplace for special interest groups to use lobbyists to gain control of their own industry’s regulation. This failure where interests group seizes control of a governmental power is called “regulatory capture.”

Should I Invest in Bitcoin?
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It might continue to boom. It might continue to bust.

Rent Seeking in Proxy Voting
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We, the shareholders, do not like being treated this way.

Q&A: Can I Fund My Roth IRA with Appreciated Stock?
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Sadly, the IRS is very clear about this; contributions must be cash.

Why the Tax on Your Roth Conversion Hurts So Much
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Be brave. Fund your Roth. Convert your IRA. Pay your tax bill. Your future self will thank you.

Donor-Advised Fund Comparison 2018
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Even though we recommend Vanguard as a custodian for our readers who are just starting out with investing, they are not our first choice when it comes to Donor Advised Funds.

How to Find Your True Calling
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A 2014 post called “7 Strange Questions That Help You Find Your Life Purpose” has seven good questions for life planning. Here’s the radio edit version of that post.

Radio: Is this law worth raising an army and fighting the citizens over?
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On April 10, 2018, David John Marotta appeared on Radio 1070 WINA’s Schilling Show to discuss the question: What is worth using the government’s threat of violence?

How to Avoid an IRMAA Medicare Premium Surcharge 2018
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Depending on your particular case and Social Security agent, you may get your surcharge waived, lowered, or upheld.

Do Large Roth Conversions Require Backdoor Roth Contributions?
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Luckily for Roth lovers like us, you don’t have to choose between Roth conversions or Roth contributions.

The Complete Guide to DIY Household Cleaners
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I began my DIY journey learning about science, so it feels best to start you there as well.

2017 Returns for Our 6 Asset Classes
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2017 was such a good year for the stock markets that it set a record.

Q&A: My baby was gifted cash. What should I do with it?
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As the parent, it can be hard to know what to do with a cash gift for a baby.

Preparing for Death
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I recently stumbled upon an interesting website called OK to Die which has resources for preparing for and dealing with either your own death or the death of another.

The Complete Guide to Timing Your RMD
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You can take the RMD out as early as January 1st or as late as December 31st, but when should you?

Radio: Finding a Life You Love
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On March 13, 2018, David John Marotta appeared on Radio 1070 WINA’s Schilling Show to discuss finding a life you love. Also in this show: what David Marotta thinks about his own life calling and a discussion of healthcare and insurance in retirement.

Best Practice for Qualified Charitable Distribution Checks
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If you choose to make a QCD, we suggest saving as much documentation as possible.

Part 5: The Markets Fail to Remove Risk
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Fraud is the enemy of the free markets. It is theft through deception.

You Can Still Do A Backdoor Roth After the Tax Cuts and Jobs Act
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Under the Tax Cuts and Jobs Act, you are still allowed to make nondeductible contributions and still allowed to convert IRA assets to Roth IRA.

How China is Ending U.S. Recycling As We Know It
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Turns out, Charlottesville is not the only area to have their recycling services change this year. In fact, the world’s recycling is affected.

Part 4: The Markets Fail the Utopian Vision
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The markets may fail the Utopian Vision, but only because our Tragic world fails the Utopian Vision.

Bringing Value with Client Billing
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One obscure way we earn our fee is in how we bill you.

Part 3: The Markets Fail People Who Price Their Goods Too Low
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Pricing is not about being nice. It is about being fair. Fair to you as the seller and to the value you ascribe to the good or service.

Radio: The Value of Ignoring Your Gone Fishing Portfolio
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On February 13, 2018, David John Marotta appeared on Radio 1070 WINA’s Schilling Show to discuss recent market volatility, what you should do in response to the volatility, what Freedom Investing is, and what the Marotta’s Gone-Fishing Portfolios are.

Part 2: The Markets Fail a Moral Standard
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Private property, free markets, and protection from aggression solve a lot of problems.

Radio: Financial Decisions in 2018
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Talking about the question “How should you manage your money in 2018?” this show covers a lot of ground over 23 minutes of conversation.

Part 1: The Markets Fail Centralized Planning
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The free market fails to be a centralized economy. That’s why it is called “free.”

Diversify and Rebalance More Than Just Your Investments
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Investments, like life, are volatile, risky, and on average rewarding. Diversification and rebalancing help to protect yourself from the volatility.

How to Change Your Investment Election to the Unitized Trust
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You can switch your investment election online through these simple steps.

A Closer Look at the Past Performance Disclaimer
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We have all seen mutual fund ads stating this Securities and Exchange Commission (SEC) disclaimer, “Past performance is no guarantee of future results.” Let’s take a closer look at it.

IRS Ruling: Recharacterizations of 2017 Conversions
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On January 18, 2018, the IRS updated their Frequently Asked Questions page to come into line with the new Tax Cuts and Jobs Act.

How To Find A NAPFA-Registered Advisor In Your Area
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If you want to find a NAPFA-Registered Financial Advisor in your area, here is a simple form you can use to search.

Seven Techniques for Small Business Wealth Management
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Here are seven techniques for small business owners to build real wealth.

Radio: Ten Attractive Investment Categories for 2018
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On January 9, 2018, David John Marotta appeared on Radio 1070 WINA’s Schilling Show to discuss ten investment categories that look more attractive than the S&P 500 at the start of 2018.

RMD Mistake: Aggregating the Wrong Accounts
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Can you aggregate RMDs? Yes, for some account types. Should you aggregate your RMDs? Not unless you have a really good reason to.

Open a Roth IRA Today or Regret It Later
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Seriously, open and fund your Roth IRA now. You’ll regret it later if you don’t get started now.

My Best Case for Socially Responsible Investing
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My best case for SRI is a personal story of lace, oil paintings, tobacco, and Ray Stedman.

New 2018 Tax Law (Tax Cuts and Jobs Act)
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The Tax Cuts and Jobs Act came out of conference, which means that the House and Senate bills have been reconciled into one piece of legislation.

Gift Ideas for Your Grandbabies: 0-12 months
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As the proud mother of a one-year old daughter, I thought I’d record some of my and my firstborn’s favorite things from this past year as helpful ideas for gifts from grandparents.

Radio: Charlottesville 2018 Health Insurance
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“When Congress acts, whatever it is called it will do the exact opposite. So the Affordable Care Act will make plans not affordable.”

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