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.

#TBT The Economics of a Thanksgiving Turkey
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This 2014 article changed the way we enjoy our Thanksgiving turkeys. Turkeys have always been an interesting study for economics. Because of the consistency of their demand in America, the price of a Thanksgiving turkey can be used as an indicator of inflation. Because of federal subsidies, the diet of factory-farmed turkeys is very limited. This article should give you something fun to discuss this year.

Marital Harmony with a Few “His” and “Her” Budgets
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Each spouse has different spending habits and values different things in life. This can easily lead to bitterness, or at the least, long discussions when the budget is reconciled.

The Lost Case for SALT: State and Local Tax Deduction
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In “The state and local tax deduction, explained” by Dylan Matthews at VOX, he does not mention the reason the state and local tax deduction was created when listing the pros and cons.

Beware the Two-Pocket Theory of Money
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If you budget well according to your values, a one-pocket theory of money enriches your life, prioritizing your financial dreams above your impulses.

Understanding the 5-Year Holding Period, Roth Conversions, and Exceptions
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To avoid the 10% penalty, do I have to satisfy the 5-year holding period for my Roth conversions if I’m over age 59 1/2? The IRS is not very clear when it comes to when you need to pay penalties on Roth IRA withdrawals, but I think I know the answer.

The Route from Wealth to Well-being
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We don’t write a lot about how to spend money, but an international study published this year claims to have found the route from wealth to well-being through spending money.

An Artistic Opportunity to Meet with Marotta
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As a dedicated reader of our blog, we would love to get to meet you this Monday, October 9, 2017.

Our New 2017 Website
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We are excited to debut our new website today!

What You Need to Know to Inherit an Inherited IRA
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Although you can have second generation beneficiaries, the first non-spouse designated beneficiary is the last one to receive a new RMD divisor calculation.

The Business of Being an Artist
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Financial planning is simply doing what it takes to give you the means to do what you want. The poorer you are the more you need financial planning. You don’t have any margin for mistakes.

Value of a Roth Segregation Conversion Strategy
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While most investment advisors do one total conversion or partial conversion here or there, we have a dedicated Roth segregation strategy, which adds real value to our clients accounts.

How to Lower Your AGI and Why You’d Want To
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Here are 8 reasons you’d want to lower your AGI and 8 methods to lower your AGI.

When You Should Not Do a Backdoor Roth
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Like how diner coffee gets more bitter as the waitress tops off your cup with more coffee from the pot, so too the growth on your nondeductible assets increases your tax owed by decreasing the percent post-tax assets in your cup.

Why Trusts Are So Confusing
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Trusts are like Calvinball except that the government is trying to play referee. It is quickly confusing.

Age Restriction on Qualified Charitable Distributions Limits Inherited IRA Gifting
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Unfortunately the age restriction makes the charitably-inclined young, who are more likely to be in the 0% capital gains bracket, unable to make QCDs.

Our Customized Roth Conversion Recommendations
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I have learned there are so many more wise plans than just “top of the bracket” conversions.

An Overview of Robo-Investing
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A few years ago, there was a great rise of so-called robo-advisers, computer programming that enabled setting a simple asset allocation on the security level and then automatic rebalancing to those targets for each security.

How Your Tax Is Calculated: Understanding the Qualified Dividends and Capital Gains Worksheet
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The 27 lines, because they are so simplified, end up being difficult to follow what exactly they do. So, for those of you who are curious, here’s what they do.

Q&A: Can you be my executor?
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Sadly, we have to say no. Even though we won’t be your executor, we are still here to help your executor, trustee, and loved ones through the estate maintenance and settlement process.

6 Ways To Prevent Your Estate Plan From Ruining Your Roth IRA
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Many executors, trustees, or even estate plans make careless mistakes which end up in Roth IRAs being distributed too quickly. Here’s a list of ways to prevent your estate plan from ruining your Roth.

How to Calculate Your RMD: a Uniform, Inherited, and Joint Divisor Calculator
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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 You Take Your Inherited IRA RMD Is the Exception to the Rule
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Inherited RMD rules demonstrates the power and importance of beneficiary designations and why it is so important to set them.

RMD Mistake: Missing a Spousal Rollover
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When a spouse inherits retirement account assets, they have the right to do what is called a “Spousal Rollover” or “Spousal Transfer.” It is almost always the right option.

RMD Mistake: Not Using the Joint Divisor
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If you are a mixed-decade couple, take advantage of the Joint divisor by making your spouse your primary and sole beneficiary for your IRA and use the Joint Life and Last Survivor Expectancy Table to find your RMD.

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