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.”

Understanding H.R.1 Tax Cuts and Jobs Act
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It looks like something from this proposal will become law. Right now, the bill is in committee where the differences are being resolved.

Don’t Delay Roth Conversions
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Putting money in your Roth without delay is valuable.

Alternative Minimum Tax Changes in 2018
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We’ve been waiting to see what our congressmen and women are going to decide for our 2018 tax law. As we’ve already entered the holiday season and can see the new year in sight, they are certainly cutting it close. … Read More

Obamacare in the Upcoming Tax Cuts and Jobs Act
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We’ve been waiting to see what our congressmen and women are going to decide for our 2018 tax law. As we’ve already entered the holiday season and can see the new year in sight, they are certainly cutting it close. … Read More

Your Deductions in 2018 Under the Tax Cuts and Jobs Act
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We will have to wait and see what tax law we have after Congress reconciles the bills and the final version is signed into law by the President.

Senate Tries to Hurt Capital Gains Management
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We’ve been waiting to see what our congressmen and women are going to decide for our 2018 tax law. As we’ve already entered the holiday season and can see the new year in sight, they are certainly cutting it close. … Read More

529 Expansion to Include Elementary and Secondary Education?
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With this proposed expansion, 529 accounts may become the most cost-efficient way to fund all education expenses.

No Roth Recharacterizations After 2017?
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It is an inconvenience during the holiday season to say the least, but Roth conversions are worth the effort.

#TBT Three Reasons To Engage In Gift Giving
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This 2015 article is one of my favorites. The holiday cliché is to complain about hyper-materialism, but according to anthropologists, gifts and gift giving help shape our identities.

SEC Advertises Investor.gov to Protect Against Fraud
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Don’t let someone else live the life you’re saving for, but also don’t rely on Investor.Gov to protect your money.

Where is Your Priority: Tax Preparation or Tax Planning?
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At our firm, tax planning is our priority. We hope to maximize after-tax net worth over your lifetime, even if it is at the expense of this one year.

How to Apply for a Health Insurance Exemption
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Coverage is considered unaffordable if the lowest cost Bronze-level plan available to you through the Marketplace in 2017 is more than 8.16% of your household income.

“Deductions are Expensive” and Other Mistakes in the News
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I recently watched a video by VOX called, “How tax breaks help the rich.” In the video, they discuss wealth inequality and claim that one of the biggest drivers of inequality is the tax code.

Long-Term Effects of AGI-Lowering Strategies
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However, in 2018, the heatlh insurance rates are extraordinarily high, especially in Charlottesville. Taking one year off from your valuable tax planning strategies to get free or low-cost health insurance might be worth it.

Should I Cut Back My Hours to Get an Obamacare Subsidy?
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It’s hard to know… but I bet I’m not the only one looking at my compensation differently.

Should I switch to a Health Care Sharing Ministry?
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Some think the alternative to the traditional insurance providers is the health care sharing ministries, but they aren’t insurance.

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