‘You Make Most Of Your Money In A Bear Market; You Just Don’t Realize It At The Time’
with No Comments

You don’t have to time the market to make money in the market. In fact, timing the market is usually a losers game as the market often pushes your emotions to do exactly the wrong thing.

13 Financial Actions to Consider During Market Downturns Like This
with No Comments

Market returns are out of your control. These thirteen actions are in your control.

Q&A: What is a Diversified Alternative to an Individual Bond Ladder?
with No Comments

A stability allocation has two purposes: to meet withdrawal needs and to move the portfolio more conservative (less risky) by dampening the volatility of stock returns.

How to Acquire Prepaid Schwab Cashiering Envelopes
with No Comments

Unfortunately, you must order cashiering envelopes directly from a Schwab agent. Here’s how you do it.

Harvest Major Capital Losses Whenever You Have Them
with No Comments

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.

Q&A: Which Products Do You Buy and Which Do You Avoid?
with No Comments

The selection of what products we purchase or avoid for clients is based solely on what we believe gives our clients the best chance to meet their goals.

Save More Even If It Is Less Than You Should
with No Comments

No matter how small your savings, those small changes have large effects over time.

How To Spend: Use Only Just Enough
with No Comments

Most of our regular use of items is habitual. Developing a mindset that uses less requires changing our habits.

Beware Sloppy Retirement Advice
with No Comments

There are at least seven major mistakes in this advice by Wells Fargo Asset Management.

How to Switch to Paperless Delivery at Schwab
with No Comments

To avoid a higher trading fee at Schwab, it is in your best interest to turn on paperless delivery for everything that you can.

How To Update Your Address at Schwab and Why It Is Not Straightforward
with No Comments

Luckily, you can update your address online. Unfortunately, it is not as straightforward as the average investor suspects it will be.

Avoid Identity Theft By Using Different Random Passwords On Each Website
with No Comments

Here are some of the best practices to protect your identity.

Charles Schwab: How to Order More Checks or Deposit Slips (2019 Update)
with No Comments

Schwab used to have a streamlined service for ordering more checks. Now as of 2019, they have outsourced their check ordering to a third party.

Using Forward P/E Ratio To Dynamically Tilt A Portfolio
with No Comments

A low forward P/E suggests higher expected appreciation.

Core Values Budgeting: One Strategy to Identify Budgeting Changes
with No Comments

Here is a strategy that can both help you identify what you value and help you start your budget.

Q&A: How Should I Balance Retirement Savings With Other Needs?
with No Comments

Anything which is not contributing toward your financial independence should be considered part of your lifestyle spending.

How to Calculate Safe Spending Rate from a Fixed Pension
with No Comments

Setting aside some of the payment to cover future inflation is a prudent retirement planning practice.

Best Practices for Your Estate Plan’s Tangible Property List
with No Comments

“I may leave a list or other written statement expressing how I wish certain items of my tangible property to be distributed.” But how do I do that?

How to Budget for Emergencies (The Series)
with No Comments

It is possible to be prepared for financial emergencies by living 10% more frugally and saving for the inevitable eventuality.

HealthSavings Administrators HSA Investment Recommendation
with No Comments

A low cost timeless portfolio for your HSA with HealthSavings Administrators.

Q&A: Do You Offer Roth Conversion Planning for Someone Who Is Not a Client?
with No Comments

Kudos to you for noticing the value of Roth conversions! We have three ways we can help.

The 30-Year Value of a Single Roth Conversion
with No Comments

Thirty years of interest, dividends, and capital gains tax is a significant savings.

How to Confirm a Schwab Bank Check You Wrote Was Cashed
with No Comments

What ever happened to that check? Here’s how to find out if it a Schwab check you wrote has been cashed by the recipient.

How to See Your Schwab RMD Online
with No Comments

For those who are doing it themselves, this page can help you satisfy this important IRS requirement.

The Full Complexity of All Required Minimum Distribution Divisors Explained
with No Comments

Most divisors are looked up in tables based on your age. Others are calculated based on last year’s divisor. Some particularly unfortunate cases have distribution deadlines rather than divisors at all.

How to Use Schwab Bill Pay
with No Comments

Many of us are anxious about paying our bills on time, but using payment aids like Schwab Bill Pay can help alleviate some of that anxiety.

The Power of Compounding
with No Comments

It is hard to prioritize saving, but it pays off. Here is how.

Diagnostic Tool: What Are Normal Market Movements?
with No Comments

It is common for investors to be surprised by movements in their portfolios, but it is harder to determine if these movements mean that anything should be done.

Fund Your Child’s Roth with Chore Income
with No Comments

There are many opportunities to pay your children. If that payment can be counted as earned income, then the child is eligible to fund their Roth IRA.

Getting Started as an Executor
with No Comments

This is intended to be a brief overview of what you should do once you realize you are overseeing an estate.

2019 Analysis of Fund Families on the Marotta Buy List
with No Comments

The Marotta Investment Committee typically builds portfolios with average expense ratios of about 0.24%.

Your Estate Plan Might Disadvantage Your Heir’s Cost Basis
with No Comments

Is what I’m accomplishing here worth sacrificing the step up in basis? If it is not, perhaps there is a better way to implement your estate wishes.

The Dangers of Individual Stock Investing
with No Comments

Portfolio construction is extremely important to achieving your long-term goals. Don’t risk those goals by assuming that individual stock-picking is a superior strategy.

Read This Before Starting Social Security Earlier Than Age 70
with No Comments

Even though is often the worst choice, most people take Social Security as early as possible, at age 62. This decision reduces lifetime benefits by hundreds of thousands of dollars.

An Honest Conversation About Compensation
with No Comments

For the proper Victorian, acts of love and money should not mix. Although this honest conversion may ruffle Victorian sensibilities, it is a foundation of the trust we forge with our clients.

Where to Get a Second Opinion on Your Insurance Policy
with No Comments

If you ask, the broker will gladly tell you how much of that type they’d recommend getting, but not whether you need it in the first place.

Estate Settlement: Satisfying the Year of Death RMD
with No Comments

The required IRA distribution in the year the account owner dies is called a Year of Death RMD.

The Complete Guide to Planned and Charitable Giving
with No Comments

Taking these few extra steps can maximize your gift’s benefit to both you and the recipient.

Is ‘Buy On The Dips’ A Good Investing Strategy?
with No Comments

“Buy on the dips” is a good strategy only because of the first word.

You Should Fund Your HSA for The Maximum
with No Comments

We recommend that you fund your Health Savings Account (HSA) to the maximum limit each year and that you keep funding it to the maximum as long as you can no matter how much money you have in the account.

How to Fund Your Roth By Using Another Schwab Account
with No Comments

Here is a clear guide on how to transfer funds between your Schwab accounts.

A Guide to HSA Qualified Medical Expenses, Contributions, and Family Plans with Adult Children
with No Comments

More and more family plans are actually composed of many different independent people in the eyes of the government.

A Quick Strategy for Analyzing Whether You Should Rent or Sell
with No Comments

There are two ways to run the analysis. One is quick and can be done on the back of a napkin. The other is more detailed, best done in a spreadsheet. In this part one, we will explain the quick math.

Two Simple But Effective Conversion Target Calculations
with No Comments

These are two simple but effective strategies to help calculate a very good conversion target for this year.

Three Hidden Roth Conversion Opportunities
with No Comments

Even the most Roth-loving individuals may have hidden Traditional assets that they do not know they can convert to Roth. Here are just a few places to look.

When to Get Your Money Out of Your 401(k), Especially Plan Owners
with No Comments

Even though you would likely benefit from contributing to your 401(k), you might not benefit from keeping your assets there — even if you are the owner.

How Our Systematic Approach Makes Us Better
with No Comments

Our first goal is to be accurate. We want to do the task the right way. This is where workflows help.

Everyone Deserves a Fiduciary Standard of Care (or Why We Have a Service Level with No Minimums Now)
with No Comments

Thank you, Robert, for your email and your readership. I hope that everyone enjoys our new “Do-It-Yourself” service level.

Use Gift Clumping or Qualified Charitable Distributions to Save on Taxes
with No Comments

These are two ways to benefit from the higher standard deduction while still fulfilling your charitable intentions.

The Do-It-Yourself Checklist: Account Set Up
with No Comments

How to go from where you are now to being one of our clients under our “Do-It-Yourself” service level.

1 2 3 4 6

Like what you read? Subscribe to our newsletter!