Gift Ideas for Your Grandbabies: 1 Year Olds
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As the proud mother of a two-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.

Two Simple But Effective Conversion Target Calculations
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These are two simple but effective strategies to help calculate a very good conversion target for this year.

7 Ways a Marotta-Managed Schwab Institutional Intelligent Portfolios is Better Than Schwab Retail
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Any investment manager can use the Institutional Intelligent Portfolio technology to implement extremely different investment philosophies.

Q&A: Do we need contingent beneficiaries if we have wills?
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The short answer is absolutely yes you do. Here’s why.

The Complete Guide to Beautiful, Frugal Gift Wrap
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It requires intentionality and creativity to avoid the hidden budget busters of gift wrap.

3 Hidden Roth Conversion Opportunities
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Even the most Roth-loving individuals may have hidden Traditional assets that they do not know they can convert to Roth. Here are just a few places to look.

When to Get Your Money Out of Your 401(k), Especially Plan Owners
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Even though you would likely benefit from contributing to your 401(k), you might not benefit from keeping your assets there — even if you are the owner.

Inherited Required Minimum Distributions: Your Custodian May Mislead You
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For Inherited IRAs, all the Required Minimum Distribution (RMD) rules are complicated. There is no easy case.

Gift Ideas for Minimalists
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Even though tangible things that take up space tend to be bad gifts, there are many items that a minimalist can really appreciate receiving.

Black Friday, Small Business Saturday, Cyber Monday, and How Not to Go Broke at Thanksgiving
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I would like to encourage those of you who like participating in this weekend shopping spree to do the small task of paying yourself first.

2019 Contribution Limits
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This year was a good year for Roth loving folks like us.

Customer Service Lessons from Toddler Parenting
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We believe that lessons like these are a part of the fiduciary standard.

The Cheapest Way to Get a Family HSA (2018)
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A few often overlooked facts reveals large annual savings on your health insurance premiums in acquiring a family HSA.

How Our Systematic Approach Makes Us Better
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Our first goal is to be accurate. We want to do the task the right way. This is where workflows help.

Review of CFP Board’s Ten Questions For Your Advisor
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Although these questions may help some people discern which professional to sign up with, I like our ten questions better as they cut to the heart of the matter. That being said, the more you know about an advisor the better.

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.

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