Individual Foreign Health Care in Review (December 2021)
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An initial equal weight strategy of these 26 companies implemented on January 1, 2021 and held without further buys or sells through December 31, 2021 had a +8.64% advantage over the foreign healthcare benchmark.

#BestOf2021 Can Someone Else Gift to My Roth IRA?
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Many people think that Roth IRA contributions can only be from earned income. Those people are only half right.

Design Your 2022 Savings Waterfall (Podcast)
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In this podcast, I discuss my recent article “Account Funding Priorities for 2022” and describe a savings waterfall for 2022. The idea is when new money flows your way, which one of these buckets is it going to land in?

Setting Your Children Up for Financial Success (Podcast)
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On the podcast, I share my experiences from my own parenting and how we can set ourselves and our children up for financial success.

Freedom Investing in Review (December 2021)
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This quarter, we saw that in 1-year returns ending December 31, 2021, Developed Freedom Investing had a -0.12% disadvantage, Emerging Market Freedom Investing had a +1.27% advantage, and Overall Freedom Investing had a +0.21% advantage.

#BestOf2021 What are the Tax Rates for an Inherited IRA?
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The tax code is confusing. Are inherited IRAs taxed at estate rates? As income? At all? This article answers.

An Updated RMD Calculator (New Divisors for 2022)
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There are different tables and formulas used to calculate your RMD divisor based on your particular circumstances. Here is a calculator for the three most common.

How to Spend: Be Quick to Return
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Look at new items with a side eye and think, “Do I really want you here?”

Introduction to Freedom Investing (Podcast)
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On Friday, November 5, 2021, Megan Russell was interviewed by Michael Morton of Financial Planning for Entrepreneurs podcast to discuss Freedom Investing.

How to Avoid an IRMAA Medicare Premium Surcharge 2022
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To avoid getting issued an IRMAA, you can proactively tell the SSA of any changes your income has seen in the past two years using a “Medicare Income-Related Monthly Adjustment Amount – Life-Changing Event” form.

Gift Ideas for 4-Year-Olds
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As the proud mother of a now five-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.

#TBT Five Ways to Thrift Your Empty Gearharts Chocolates Box
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Hopefully, some of these ideas inspire you to reuse various treasures you didn’t know you had.

Account Funding Priorities for 2022
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Which account you should fund depends on your circumstances. However, there are some general guidelines you can follow to make your decision.

2022 Contribution Limits
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Even though it doesn’t feel like it sometimes, contribution limits are indexed to inflation.

#TBT The Haunting of Bob Cratchit: A Book from David Marotta
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Did you know David wrote a Christmas novel? This 2020 book by David John Marotta and Brendon Marotta makes you rethink what is happening in Charles Dickens’ A Christmas Carol.

Can Taxable Life Insurance Benefits Contribute to an IRA?
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If you have this fringe employer or former employer benefit, I hope you are able to take advantage of making small Roth IRA contributions throughout your retirement.

Q&A: How Do I Inherit a Relative’s 401(k) plan?
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“I’m 19 years old. How do I inherit a 401(k) from my aunt?”

#TBT How Not to Go Broke at Thanksgiving
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As the season of holiday shopping approaches, this 2018 article reminds us, “Before you throw your money at various companies, squirrel some savings away for your future self.”

Q&A: Can I Leave Money to a 529 in My Estate?
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Can I leave money directly to those 529 plans in my estate plan?

How to Calculate Your Possible Health Insurance Subsidies
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If you are already shopping for health insurance for 2022, consider getting an on-exchange health insurance plan. You may be surprised at how much subsidies you can receive.

#TBT How to Spend: Add It To Your Wishlist
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A wishlist is a force of thrift both for you to defer your consumption and for your family and friends to ensure that all the value of their gift makes it to your heart.

How the Wealthy Can Take Advantage of Health Insurance Subsidies in 2022
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If you are currently shopping for health insurance for 2022, consider getting an on-exchange health insurance plan. You may be surprised at how much subsidies you can receive.

How To Use a Marotta Capital Gains Tax Hurdle Report
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These complex formulas help decide when highly appreciated investments should be sold and the proceeds put in a different investment philosophy.

How to Donate Appreciated Stock to Your Donor Advised Fund (Schwab Charitable)
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Once your Donor Advised Fund has been opened, Schwab Charitable has a very straightforward process for donating appreciated stock to charity.

#TBT Can a 529 Reimburse for Last Year’s Expenses?
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Unfortunately, there is no correct answer to this question, but here is what we do know.

Freedom Investing in Review (September 2021)
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This quarter, we saw that in 1-year returns ending September 30, 2021, Developed Freedom Investing had a +0.70% advantage, Emerging Market Freedom Investing had a +1.64% advantage, and Overall Freedom Investing had a +0.71% advantage.

The Role of a Roth IRA in Early Retirement
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There are several distribution rules that make Roth IRAs great savings tools for early retirees.

Founder’s Day: Celebrating George Marotta (Part 1)
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My grandfather turns 95 this year. He is one of my role models and favorite people. What a joy to celebrate him.

How To Spend: Avoid Impulse Purchases
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Stopping to think through questions like these will likely help you make smarter decisions with your spending.

All About Elias McQuade, CFA
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We are very pleased to announce that Elias McQuade is our newest CFA® charterholder at Marotta Wealth Management!

How Your Tax Is Calculated: Qualified Dividends and Capital Gains Worksheet
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The 25 lines of the Qualified Dividends and Capital Gain Tax Worksheet are so simplified, they end up being difficult to follow what exactly they do. So, for those of you who are curious, here’s what they do.

#TBT Appreciating Donor Advised Funds
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There are five ways that both you and the government could make charitable giving more significant.

Q&A: How Does Your Investment Strategy Work?
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I recently received the following paraphrased questions from a prospective client and here were my replies.

#TBT Which Products Do You Buy and Which Do You Avoid?
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The selection of what products we purchase or avoid for clients is based solely on what we believe gives our clients the best chance to meet their goals.

Q&A: What Should I Name My Donor Advised Fund?
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For better or for worse, you simply get to pick a name.

When to Enroll in Medicare
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If your miss your initial enrollment eligibility window, then your premiums are hit with a late enrollment penalty.

How to eSign a Schwab Form
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At this time, Schwab has an extensive but limited list of forms which are eligible for electronic signature. As a part of our Paperwork Preparation bonus service, you can request that we send you paperwork using Schwab’s eSignature system when available.

How to Use Schwab’s Investment Income Feature
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Like many new features on Schwab’s website, they must be used responsibly to not create problems.

Q&A: Should I Jointly Hold My Donor Advised Fund?
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If you jointly decide and execute your charitable giving, then it makes sense to have both partners listed as account holders on the Donor Advised Fund. However, if you have separate charitable intentions and budgets, you can easily set up two different donor advised funds, one for each spouse to use and direct.

#TBT Customer Service Lessons from Toddler Parenting
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Although emotions do mature with age, many of the things that upset toddlers upset adults too, we just hide it better.

Four Simple But Effective Conversion Target Calculations
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Doing some conversion is usually much better than doing no conversion at all. We offer these four simple but effective strategies to calculate a good-enough conversion target for this year.

#TBT How to Fund Your Roth with Babysitting Money
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For domestic tasks like babysitting there are often two options: independent contractor or household employee. Taking the time to educate yourself on the difference may be worth your while.

Q&A: Minimum Contribution to Open a Donor Advised Fund at Schwab Charitable?
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Now, thanks to this change, anyone with charitable intentions can open and benefit from a Donor Advised Fund.

How Your Tax Is Calculated: Tax Table and Tax Computation Worksheet
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Whether you are on the Tax Computation Worksheet or in the Tax Table it helps to understand how your tax is calculated.

How Roth Conversions Affect Your Contribution Basis
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In the eyes of the IRS, Roth conversions are a type of rollover and their part in your Roth IRA’s contribution basis is called a rollover contribution.

Life Lesson #5: Start Your Day with a Smile
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Just as a fake smile can make real happiness, fake happiness can create real enjoyment.

Marotta Family Saying: Not Good If They Have to Advertise It
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This was part of an intentional anti-ad campaign that my mother instituted to inoculate her children against the power of Madison Avenue.

Life Lesson #4: When Your Soap Runs Out
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I think of these four lessons when I refill my soap dispenser.

Q&A: Amount Paid in Non-Cash?
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I would recommend that you strive to pay your children $0 in non-cash compensation. Let them purchase their own rewards.

Q&A: Can I Rollover Funds from My Spouse’s HSA?
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If you are married, instead of only opening and funding one HSA, you may benefit from splitting the contribution limit and funding both.

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