Investment Philosophy

Asset Location Can Significantly Boost After-Tax Returns
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Exact asset location depends on the percentage of a portfolio held in each of the three types of accounts as well as the percentage of the portfolio which is to be allocated to each selected sector. But the boost in after-tax returns is well worth the effort.

Common Endowment Mistakes
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Prudent investment practice is as much about knowing what not to do as it is about knowing what to do.

One Powerful Method To Achieve Higher Investment Returns
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Long term investing does not require making quick emotional responses.

Write Down Your Investment Plan
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To protect yourself from behavioral errors, write down your investment plan.

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Retirement Planning

How to Get Started with Retirement Planning
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Most of the assets you use to fund your retirement will come from compounded growth.

How to Set Retirement Goals
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A fee-only financial advisor can provide the decades of support and encouragement to make financial planning, effective life planning.

How to Protect Your Retirement
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For many investors, a fee-only advisor pays for themselves in reduced expenses alone.

How to Adjust Risk Appropriately for Retirement
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Risk is about understanding your own greed, fear and pride.

 

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Tax Planning

 

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.

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.

Generational Financial Planning Within The Kiddie Tax Limits
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Families that consider generational financial planning techniques can reduce the burden of taxes on the family as a whole.

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.

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Budgeting

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.

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.

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.

Financial Peace University in Charlottesville
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The Dave Ramsey website has a list of upcoming classes in the Charlottesville area with start dates varying from September 13 through October 11.

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Various Topics

Five Things You Can Control: The Series
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Don Phillips suggests that the best advisors help their clients focus on what can be controlled and not fret about the rest.

The Complete Guide to Creating an Investment Plan
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This is a summary of the six steps required to create a well-crafted investment plan.

A Complete Guide To Donor Advised Funds
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A donor advised fund makes the process of charitable giving simple and easy.

Steps for Getting Out of Debt
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I have outlined some steps to help you figure out how to pay down your debt and get back on track.

Our 10 Most Popular Posts So Far
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We have 1,292 posts on Marotta on Money, but here are the 10 most visited posts on our blog.

The Markets Are Inherently Volatile
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Most investors don’t understand what that means.

What Does It Mean To Be A Fee-Only Fiduciary?
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Most investors are not aware of an important separation in the professionals of the financial services industry.

Ken Elzinga
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Kenneth G. Elzinga. Ken is both a nationally renowned economist as well as a locally celebrated professor here in Charlottesville at the University of Virginia.

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