Megan Russell

Chief Operating Officer, CFP®, APMA®

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2024 Index of Economic Freedom Update
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Last year, eleven countries made our cut-off. This year, twelve do.

Updates to Our Emerging Markets Strategy (March 2024)
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Because of Mexico’s current valuation, we believe that it has the possibility to perform well regardless of how this potential conflict resolves.

#TBT The Benefits of Free Trade Agreements
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Regardless of which way the balance of trade says the surplus falls, we and our trading allies benefit from the exchange.

David John Marotta

President, CFP®, AIF®, AAMS™

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#TBT Tackling College Costs at the Eleventh Hour
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The best way to climb the mountain of college costs is gradually, but if you need to make some last minute leaps, our government has a few tax-related strategies.

#TBT The Benefits of Free Trade Agreements
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Regardless of which way the balance of trade says the surplus falls, we and our trading allies benefit from the exchange.

#TBT The Delirious Happiness of Free Market Choice
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This 2015 article details one of the most brilliant breakthroughs in all of food science and how it relates to almost every aspect of life.

Libby Horbaly

Wealth Manager, CFP®

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Q&A: How Should I Invest My Cash?
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Our recommendation is to keep money that may be needed within the next six months invested in a money market fund.

Baby Registry Guide from a Financial Planner (Updated 2024)
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Now that we’ve been parents for a few months, I can confidently say all of these items vastly improved our journey into parenthood.

2023 Babies: Start Saving for College Today!
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For babies born in 2023, here are the amounts that should be saved starting at birth to cover four years of college expenses at age 18.

How to See Closed Account Information at Schwab
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If closing an account at Schwab is in line with your goals, take comfort in knowing that you are able to close your accounts at Schwab without losing access to your important documents.

Distribute Your First 401(k) RMD in April or December?
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Within employer-sponsored retirement plans, there are special provisions for employees (not owners) who continue to work beyond their typical required beginning date.

How to Set Beneficiaries on Your HSA with Fidelity
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Once you’ve open an HSA and have started making contributions, it is important that you set beneficiary designations on the account.

Greg Vairo

Financial Analyst, CFP®

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Q&A: Wash Sale: VFIAX and VOO?
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The IRS has very limited case law on what constitutes a substantially different fund. However, here is what we do in our own trading.

How the Kiddie Tax is Calculated
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Some investable assets in the name of the child can currently keep $2,300 of unearned income from the tax rate of the parents.

Can Taxable Life Insurance Benefits Contribute to an IRA?
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If you have this fringe employer or former employer benefit, I hope you are able to take advantage of making small Roth IRA contributions throughout your retirement.

2024 Tax Facts
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Here is a reference chart with 2024 income tax rates, capital gains rates, retirement contribution limits, and more.

#TBT Harvest Major Capital Losses Whenever You Have Them
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While you can only use $3,000 per year of capital losses to reduce your taxable income, you should bank as much capital loss as possible for other future uses.

#TBT Testamentary Donor Advised Funds
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Your executor will be grateful for an easier way to settle that part of your affairs.

Elizabeth Brew

Financial Analyst, CFP®

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#TBT Can I Use 529 Funds for Off-Campus Housing?
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Yes, but housing is one of many expenses that are subject to a reimbursement limit. Here’s how to do it.

Two Ways to Fix Social Security Filing Mistakes
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If you are still in your 60s, the good news is your decision doesn’t have to be permanent. You actually have two ways in which you can change your benefit amount.

Who Should Own My Child’s 529 Account to Assist the FAFSA?
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With the grandparents as the owner rather than the parent, the student may have a better chance of receiving financial aid.

Beth Nedelisky

Wealth Manager, CFA, CFP®

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#TBT Tackling College Costs at the Eleventh Hour
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The best way to climb the mountain of college costs is gradually, but if you need to make some last minute leaps, our government has a few tax-related strategies.

ABLE Accounts: Tax-Advantaged Savings for People with Disabilities
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ABLE accounts offer people with disabilities a new opportunity to save and invest for the future.

#TBT Best Practices for Trusts, Foundations, and Endowments
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“If you have been asked to serve as a board member or trustee for a non-profit organization, feeling honored is a natural response but a terrible reason for saying yes to the job. Your role as committee member, board member, or trustee will likely designate you as a fiduciary, a role with specific legal responsibilities.”

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