Use Gift Clumping or Qualified Charitable Distributions to Save on Taxes
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These are two ways to benefit from the higher standard deduction while still fulfilling your charitable intentions.

Our Firm is a Statistical Outlier
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We are a statistical outlier: We are young; we are female.

The Do-It-Yourself Checklist: Account Set Up
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How to go from where you are now to being one of our clients under our “Do-It-Yourself” service level.

The Pros and Cons of a Marotta-Managed Schwab Institutional Intelligent Portfolios
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Although they are cheaper, the robo-investing accounts are not beneficial to everyone.

How to Make a Gift of Appreciated Stock Feel Personal
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With a bit of planning, you can make the practical gift very personal.

How to Set Up Direct Deposit
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The best way to ensure that you save and invest is to automate the process.

Using Math to Decide When to Realize Capital Gains
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These are complex formulas, but they are valuable calculations that show that there is an expected increase of return which will justify selling even a highly appreciated asset.

How to Rollover Your 401(k) into a Schwab Institutional Intelligent Portfolio with Marotta Wealth Management
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Be very careful filling out these forms and be sure to ask for help if you need it.

Can I Update My Beneficiaries Online?
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Yes, but if you have complex wishes, you should utilize paperwork.

Charles Schwab: How to Fund Your Account with a Check
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If you are doing a one-time funding from another account, sometimes the lowest tech option can be the easiest.

Manage All Your Family’s Finances with a Power of Attorney
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Instead of having to nag your spouse to sign paperwork or login online to accomplish these tags, you can manage all of your family’s finances by setting up a power of attorney.

Charles Schwab: How to Order More Checks or Deposit Slips
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With Schwab Bank, any time you need more checks or deposit slips you can simply request them for free.

Gain Clarity with Schwab’s Account Nicknames
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Adding nicknames such as these can help immensely when it comes time to do basic tasks such as Roth IRA funding or withdrawing funds.

How to Show Your IRA on Your Spouse’s Schwab Login
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By default, your Schwab login will only display your own accounts.

Transfer an Existing Account to Schwab Institutional Intelligent Portfolios with Marotta Wealth Management
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There are two ways to transfer your account to a Schwab Institutional Intelligent Portfolios with Marotta Wealth Management.

Move Funds Between Your Bank Account and Your Schwab Account
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In order to move funds between a non-Schwab account (external account) and your Schwab account, you simply need to establish what is called a MoneyLink.

No One Will Loan You Money For Retirement
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If you have to choose between your retirement or your children’s college savings, choose your retirement.

State Tax Credits Are Becoming Less Valuable
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New proposed legislation cuts the benefit of donating to charity and receiving tax credits in return.

Radio: Freedom of Speech in 2018
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On Tuesday, August 14, 2018, David John Marotta appeared on Radio 1070 WINA’s Schilling Show to discuss the right to the freedom of speech in 2018.

Q&A: Have you ever been publicly disciplined for any unlawful or unethical actions in your career?
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We believe following our eight principles to safeguard your money provides a better safeguard than checking for past violations.

Revisiting BRIC Countries 10 Years Later
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In 2003, the Goldman Sachs Global Economics Department predicted the economic and geopolitical influence of Brazil, Russia, India and China (the BRIC countries) would become increasingly visible in the developed world. We revisit those countries here.

Comparative Price Shopping: Extra Virgin Olive Oil in Charlottesville
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Grocery stores know all the shoppers tricks, which means that when comparative price shopping you actually have to compare all the prices to get the best deal.

Q&A: Do others stand to gain from the financial advice you give me?
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You deserve advice from a firm where you don’t have to second guess where their loyalties lie.

Megan Ruins Adam Ruins Everything Episode 43
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Teresa Ghilarducci is just wrong here. There is no qualification that can make Ghilarducci more right.

Q&A: How will I pay for your financial planning services? How much do you typically charge?
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It is relatively easy for fee-only fiduciaries to answer the question “How much do you charge?” The only fee they collect is the fee that the client directly pays them.

Q&A: Does a Power of Attorney Agent Have a Fiduciary Duty?
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A reader asks, “As her descendant and agent following the rules as written, it is my understanding that I could gift myself $14,000 each year. But can I really?”

Information Asymmetry or Why You Need a Fee-Only Advisor
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Incentives matter. If you are going to get a financial advisor, you need to select a fee-only advisor because you need to find an advisor you can trust.

Q&A: Will you be the only financial planner working with me?
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At Marotta Wealth Management, we believe that a team collaborating on your behalf provides you with better service.

One Method To Estimate Future Inflation Expectations
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Predicting future inflation is difficult at best.

The Fiduciary Standard is Disagreeable
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Sometimes, you should do what is right even though it is not what others want.

Q&A: What types of clients do you typically work with?
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We believe that the basic principles of financial planning are the same no matter how many zeros you add.

Q&A: What is your approach to financial planning?
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If this is the approach you want for your financial planning, give us a call to get started today!

Radio: Responsibility of Retirement Plan Sponsors
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If you run a retirement plan at your company, you are responsible to perform periodic reviews to ensure that the plan is the best it can be for participants

What Is Financial Planning?
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Given how few financial advisors have been through the education, certification, and experience require to obtain the CFP® mark, it is no wonder that so few so-called financial planners are actually providing comprehensive financial planning advice.

Q&A: What financial planning services do you offer?
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We offer comprehensive wealth management services.

Q&A: What are your qualifications?
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We require each Investment Committee member to have, at a minimum, the Certified Financial Planner™ (CFP®) or Chartered Financial Analyst ® (CFA) designation.

Early Preview of 2019 IRS Forms
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Although this 1040 looks smaller, it is not an upgrade for anyone except for the IRS.

Q&A: What experience do you have?
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Marotta Wealth Management (originally Marotta Asset Management) was founded in 2000 by David John Marotta.

Calculating Inherited RMDs When the IRA Owner Was Younger
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There is unique tax planning involved though when an age 70 1/2 IRA owner was younger than the beneficiary.

#TBT Marotta’s Frequently Asked Questions
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When interviewing a new financial advisor, we believe there are at least ten important questions to ask. Then, just to be safe, we answered 32 frequently asked questions and welcome more.

New 2018 Tax Law: Opportunity Zones in Charlottesville, VA
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Among its many changes, the Tax Cuts and Jobs Act created a new tax concept when it comes to managing the capital gains.

#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.

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