July 23, 2014

SEC Q&A: How do I find out whether an investment adviser ever had problems with a government regulator or has a disciplinary history?

Golden Glasses

You can get copies of Form ADV by accessing the Investment Adviser Public Disclosure (IAPD) website.

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Freedom Investing Since 2000

Freedom Investing 2000-2016-06

Recently we did an analysis of the returns of the MSCI Country Specific Indexes

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The Wealth Of Nations Is Their Freedom

Berry Hard Work

“When institutions protect the liberty of individuals, greater prosperity results for all.” – Adam Smith

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Freedom Investing Beats EAFE Index by 3.92% Annualized Over Past Decade

Freedom Investing 2014-06

Over the past decade the economically free countries have an annualized return of 11.34%. The S&P 500′s annualized return was 7.78%.

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SEC Q&A: How do investment advisers get paid?

Three Glasses

How your advisor is compensated matters. Make sure you can follow the money and know how they are getting paid.

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How Can I Tell Who Is Associated With A Broker-Dealer?

Pigs

If your advisor is on one of these lists you should be aware of how they are paid.

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Are We Lab Rats?

Lab Rat

If you are not paying for the product, you are the product.

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Facebook’s And Your Negative Feelings

Thumbs Down

In truth, the best way to mollify negative feelings might be to give up your Facebook account entirely.

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Radio: Financial Planning in Your 40s and Early 50s

Marotta Smiling On Radio

Here is a list of seven things which are important to ensure during these years

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Should I Tender My Allergan Shares To Valeant Pharmaceuticals?

Allergan

Perhaps they should make this into a mini-series.

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SEC Q&A: What questions should I ask when choosing an investment adviser or financial planner?

Questions to Ask Your Financial Advisor

Here are our answers and comments to the SEC’s eight suggested questions.

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How to Open a Roth for Your Child

Open a Roth for Your Child

Someone has to be proactive about your child’s retirement and every year you don’t open a retirement account is another year you’re holding back compound interest.

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Our Government Versus The People

Hammer Lock

Government has never been known for customer service. But today it is known primarily for being against the very people it is supposed to serve.

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Don’t Do Something. Just Stand There!

Sisters Forever

You learn a lot by the discipline of reading old news.

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Video: Virginia’s Neighborhood Assistance Program Tax Credits

Early Bird Gets the Worm

This video discusses Neighborhood Assistance Programs, and how donating to a local charity can both help people in your area and help you with your Virginia tax bill.

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Time to Give Annuities a Second Look?

Two Giraffes

No. I thought we’d decided not to give them a first look.

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FINRA Supports Regulation to Quell Competition

Wolves in Sheep's Clothing

Beware of government regulation, especially when a portion of the industry thinks it’ll be good for business.

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Study on Investment Advisers and Broker-Dealers

Wolf

These are the wolves of Wall Street pretending to be the helpful sheep of investment advisors.

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How Do I Find An Estate Planning Attorney In My Area?

ACTEC

What is a better starting place than advertisements and phone directories?

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The Benefits of Saving and Investing Early

Saving Money

Any money you put away and invest now will have the longest time to grow, due to the magic (or actually, the mathematics) of compound interest.

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SEC Q&A: What is the difference between an investment adviser and a financial planner?

Glasses of Gold Growth

This is why we call ourselves comprehensive wealth managers.

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Mailbag: Can I Roll My IRA Into A REIT Tax-Free?

Can I Roll My IRA Into A REIT Tax-Free?

A reader asks, “My wife has a $250K SEP IRA earning 1.5% interest. Can we use any of the funds for real-estate investments?”

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Taxes on Non-Deductible IRA Contributions

Coffee and Cream

“Once you put cream in the coffee, all coffee removed from the cup is partly cream and partly coffee.”

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How To Designate Charitable Gifts In Your Schwab Donor Advised Account

Schwab Charitable

Schwab Charitable Donor Advised Funds make the gifting process easier.

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How To List A Charity As Your Beneficiary

Charity

There is a tax benefit to leaving some assets to your favorite charity rather than leaving it to your heirs.

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Mailbox: How Can I Leave My Estate To A Charity?

Gift Boxes

Leaving a legacy can be a great benefit for the charity receiving the gift.

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Fight the NSA with Your Choice of Search Engine and Browser

Browser Choices

We are all embarrassingly honest with search engines.

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The Politics of Social Security

End of the line

Even half of what they collect in Social Security could provide a better private benefit.

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Does Every Client Get Put Into One Of A Few Investment Allocations?

Buckets

The short answer is, “No.”

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Capability Is Tyranny

Bullying

Those who stand by and do nothing are complicit in aiding the loss of freedoms for others.

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7 Quotes to Summarize U.S. Surveillance

Surveillance Quotes

“We don’t have concentration camps and political dissidents and large numbers being hauled into prison because we don’t need that because we have effectively put prisons inside people’s minds.”

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What Benchmark Should I Measure My Return Against?

Bad Benchmarking

Don’t let the noise of random returns ruin a brilliant investment strategy.

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Advisers Worry About Potential Costs Of Third-Party Exams

Hungry Fox

“Estimates range from $5,000 to $20,000; sharp opposition to Finra getting involved.”

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Fourteen Ways to Avoid Paying Capital Gains

Like water for money

The capital gains tax traps wealth in an investment vehicle requiring special techniques to free the capital without penalty.

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What is a 1031 Real Estate Exchange?

What is a 1031 Real Estate Exchange?

In our article “Fourteen Ways to Avoid Paying Capital Gains Tax”, we wrote about 1031 like-kind exchanges as a powerful tax-minimization tool for investors and business owners. Despite their complexity, these exchanges have the potential to save vast amounts of money.

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Roth IRA Conversions and Roth Segregation Strategies

Roth Segregation Accounts

Roth accounts have several advantages over traditional retirement accounts.

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The Ideal Retirement Plan Advisor

financial advisor card_t

Our firm decided to become a 3(38) investment manager because playing this role offers our clients administrative relief. By taking on the role of a 3(38) adviser, we accept responsibility for selecting a prudent investment strategy.

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Capital Gains Tax Gets More Complicated

Holding breath

Now you may pay one of at least four different capital gains rates. The strategies to deal with capital gains differ for each level.

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What is the Difference Between AGI and MAGI?

What is the Difference Between AGI and MAGI?

MAGI is a common tax term to denote the resulting value of your adjusted gross income (AGI) with some items added back in. However, each use of MAGI may have different variables added back.

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Investment Advisors vs. Brokers

Lock and Gold Coins

Low risk firms should be visited less frequently by the SEC.

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Some College Degrees Not Worth the Investment

college guy playing guitar

A typical college degree is worth up to a million bucks over a career, but that’s not true for every degree.

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Mailbag: How Do You Live When You Are Trying To Avoid Taxes?

1040 Form with Pencil

Having sufficient assets in a taxable account can allow for tax planning.

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The Tax Code’s War On Marriage

Marriage Penalty

Two different people can end up with very different amounts of tax owed, simply because of their marital status. You cannot argue this increased tax is their “fair share” simply because they are married.

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How To Bilk Obamacare

Wonder

Learn how a family of four can qualify for a full subsidy with an income of $140,000 a year.

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Obamacare, the UN-Affordable Care Act

Know the cost

ObamaCare Is the Worst Legislation in 75 Years.

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Emerging Markets Still A Good Investment Despite Warning Notices Regarding Russia

SSEMX Warning Notice Regarding Russia

Russia is less than 6% of most emerging market indexes.

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Virginia Neighborhood Assistance Program Tax Credits Coming Soon

empowerment

Church Hill Activities and Tutoring is one example of the many charities that are granted tax credits to share with donors.

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Should You Ditch Your Budget?

Ditch the Budget?

Could this scheme from Mr. Money Mustache change your budgeting strategy?

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The Purpose Of The Federal Reserve

Red pawn

Unlike the markets, members of the Fed are able to make decisions that are in exactly the wrong direction if they don’t limit themselves with a rules-based system.

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How To Save Wealthy Clients From Themselves

Brain Scan

“Emotion can undo the best-laid financial plans.”

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