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.

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.

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