A Case Study in a Misleading Annuity Sales Advertisement
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In addition to all of the other reasons people hate annuities, seemingly fraudulent advertising and sales techniques is a major factor.

7 Ways a Marotta-Managed Schwab Institutional Intelligent Portfolios is Better Than Schwab Retail
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Any investment manager can use the Institutional Intelligent Portfolio technology to implement extremely different investment philosophies.

What Is Shareholder Primacy?
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Since only a small portion of stock is traded each day, a large majority of shareholders prioritize the long term appreciation of the value of the company.

SEC Leaves 61% of Registered Representatives Exempt From Its Adviser Rules
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This is called “regulatory capture” and is quite common in government regulatory agencies such as the SEC.

Customer Service Lessons from Toddler Parenting
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We believe that lessons like these are a part of the fiduciary standard.

How Our Systematic Approach Makes Us Better
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Our first goal is to be accurate. We want to do the task the right way. This is where workflows help.

Ameriprise Fined $5.4M for Brokers Stealing Client Funds
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Ameriprise was fined $4.5 million for failing to appropriately supervise representatives who were stealing client funds.

Study Finds Financial Disclosures Confuse Investors and Only the SEC is Surprised
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Are you consenting to harmful conduct by your financial advisor?

Everyone Deserves a Fiduciary Standard of Care (or Why We Have a Service Level with No Minimums Now)
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Thank you, Robert, for your email and your readership. I hope that everyone enjoys our new “Do-It-Yourself” service level.

Review of CFP Board’s Ten Questions For Your Advisor
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Although these questions may help some people discern which professional to sign up with, I like our ten questions better as they cut to the heart of the matter. That being said, the more you know about an advisor the better.

Failed Government myRA Program Closed
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That the program failed is not a surprise. That the government decided to close a failed program, however, is.

The Pros and Cons of a Marotta-Managed Schwab Institutional Intelligent Portfolios
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Although they are cheaper, the robo-investing accounts are not beneficial to everyone.

Is Financial Advice Fundamental or Incidental With Your Advisor?
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Who would ever want unplanned and unintentional financial advice?

Be Wary Of Sponsored Content
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As you read other financial advice sites, be wary of the sponsored content.

Useless Articles Abound On The Internet
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It will help you in life if you can learn to distinguish between content with ulterior motives and real financial planning wisdom.

Q&A: Have you ever been publicly disciplined for any unlawful or unethical actions in your career?
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We believe following our eight principles to safeguard your money provides a better safeguard than checking for past violations.

Q&A: Do others stand to gain from the financial advice you give me?
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You deserve advice from a firm where you don’t have to second guess where their loyalties lie.

NAPFA Challenges the Securities and Exchange Commission
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I couldn’t be prouder to be a NAPFA-Registered Financial Advisor.

Q&A: How will I pay for your financial planning services? How much do you typically charge?
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It is relatively easy for fee-only fiduciaries to answer the question “How much do you charge?” The only fee they collect is the fee that the client directly pays them.

Your Commission-Based Advisor May Not Even Know What Fees You Are Paying
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The majority of the industry many not even believe that there is a better way. But you deserve better.

Q&A: Does a Power of Attorney Agent Have a Fiduciary Duty?
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A reader asks, “As her descendant and agent following the rules as written, it is my understanding that I could gift myself $14,000 each year. But can I really?”

Information Asymmetry or Why You Need a Fee-Only Advisor
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Incentives matter. If you are going to get a financial advisor, you need to select a fee-only advisor because you need to find an advisor you can trust.

Q&A: Will you be the only financial planner working with me?
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At Marotta Wealth Management, we believe that a team collaborating on your behalf provides you with better service.

Fidelity Ends ‘Point In Time’ Fiduciary Service
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We find the practices of much of the financial services industry repulsive.

The Fiduciary Standard is Disagreeable
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Sometimes, you should do what is right even though it is not what others want.

Q&A: What types of clients do you typically work with?
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We believe that the basic principles of financial planning are the same no matter how many zeros you add.

Q&A: What is your approach to financial planning?
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If this is the approach you want for your financial planning, give us a call to get started today!

Radio: Responsibility of Retirement Plan Sponsors
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If you run a retirement plan at your company, you are responsible to perform periodic reviews to ensure that the plan is the best it can be for participants

What Is Financial Planning?
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Given how few financial advisors have been through the education, certification, and experience require to obtain the CFP® mark, it is no wonder that so few so-called financial planners are actually providing comprehensive financial planning advice.

Q&A: What financial planning services do you offer?
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We offer comprehensive wealth management services.

What Is Integrated Financial Planning?
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Wise decisions cannot be made in isolation from their impact on other areas of your financial life.

Q&A: What are your qualifications?
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We require each Investment Committee member to have, at a minimum, the Certified Financial Planner™ (CFP®) or Chartered Financial Analyst ® (CFA) designation.

Q&A: What experience do you have?
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Marotta Wealth Management (originally Marotta Asset Management) was founded in 2000 by David John Marotta.

Retirement Plan Sponsors Have A Responsibility To Review Their Plans
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Failure to perform such periodic reviews is a litigatable fiduciary breach.

What Is A Personalized Financial Plan?
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You should work with a personalized financial planner, not an impersonal investment manager.

Marotta’s Tenets of Good Customer Service
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We have four tenets of quality defining our customer service here at Marotta.

All About Courtney Fraser, CFP®
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We are very pleased to announce that Courtney Fraser is our newest Certified Financial Planner™ (CFP®) at Marotta Wealth Management!

Language Matters: Best Interest vs. Suitability-Plus
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Another free pass for the agents of brokers-dealers to dissembling under the guise of “Regulation Best Interest.”

Guide to Registered Investment Advisors in Charlottesville 2018
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We were surprised by our survey of the registered firms in the Charlottesville area.

What Is A “Point In Time” Fiduciary?
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You should not trust a point in time fiduciary for even a single heart beat.

Rent Seeking in Proxy Voting
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We, the shareholders, do not like being treated this way.

New SEC Advice Rule Abandons Fiduciary Standard For Brokers
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The SEC released an embarrassingly poor 1,000 page document.

SEC Isn’t Enforcing The Law
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In 2007 the Financial Planning Association won a lawsuit that it filed against the SEC to force them to enforce the registration provisions of the 1940 Investment Advisors Act. The law still isn’t enforced.

What Does It Mean To Be An Accredited Investor?
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“One principal purpose of the accredited investor concept is to identify persons who can bear the economic risk of investing in these unregistered securities.”

SEC Action Forces Ameriprise To Return $1.8 Million In Excessive Fees
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Unfortunately, no amount of rules-based compliance can force a company to follow the principles-based fiduciary standard.

Clean Shares Still Laden with Conflicts Of Interest
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Recommending clean shares does not free the industry from conflicts of interest.

8 Broker-Dealers You Should Avoid
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Here is the list of broker-dealers who said the CFP should not expect those with the CFP® mark to not mislead consumer.

Odds Are Your Financial Advisor Is Actually a Salesperson
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SEC-mandated titling will not be enough to save unsuspecting consumers from non-fiduciary financial professionals.

New CFP Board Ethics Standards Suggest “Fee Based” Is Misleading
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It will be a welcome change when the CFP Board can force CFP® mark holders to remove misleading content from their websites.

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