February 9, 2016

Documentary: Farming in Fear

Farming in Fear

The story of Liberty Farm’s struggle to survive the regulatory attack by Fauquier County government.

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Marotta’s 2016 Vanguard Gone-Fishing Portfolio Calculator

Marotta's 2015 Vanguard Gone-Fishing Portfolio Calculator

If you are using Vanguard, we have created a gone fishing portfolio using only low-cost Vanguard mutual funds to help save money on transaction costs.

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What Counts as “Boot” in a 1031 Exchange?

What Counts as "Boot" in a 1031 Exchange?

1031 exchanges can include “boot,” which is an unofficial term for other property received in the exchange.

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Radio Interview: Wills, Estates, and Beneficiaries

Live Oak

David and host Rob Schilling discuss what estate planning is, why you want to do it, and explain some of the jargon.

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Marotta’s 2016 Gone-Fishing Portfolio Calculator

The fishes

A gone-fishing portfolio has a limited number of investments with a balanced asset allocation that should do well with dampened volatility.

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IRS Wants Charities To Collect And Report Sensitive Donor Identity Information

IRS Wants Charities To Collect And Report Sensitive Donor Identity Information

Late last year, the IRS proposed asking charities to collect sensitive donor identity information for any charitable gift of more than $250.

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2016 Employer-Sponsored Retirement Account Limits

Retirement Cash Jar

Here are the limits for how much your employer can add to retirement accounts on your behalf.

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Mailbag: Stop Before Using Stop Orders

Mailbag: Stop Before Using Stop Orders

We do not recommend using stop loss orders. Now, it appears that the New York Stock Exchange agrees.

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Mailbag: Unexpected Income and Estimated Taxes

Mailbag: Unexpected Income and Estimated Taxes

How do you handle unexpected income that happens late in the year?

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After-Tax IRA Contributions Must Be Reported On IRS Form 8606

After-Tax IRA Contributions Must Be Reported On IRS Form 8606

The backdoor Roth strategy involves contributing after-tax funds to a traditional IRA.

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Radio: Financial Planning for Buying a Home

Hobbit Hole

David John Marotta was interviewed on WINA’s “Real Estate Matters” show with Michael Guthrie, talking about how it is still a good time to buy a house.

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Overfunded College 529 plan? No Problem!

Overfunded College 529 plan? No Problem!

No need to worry. You have many great options when managing an overfunded 529 college savings plan.

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Investors Want Non-Correlated Assets Until They Experience Non-Correlation

Investors Want Non-Correlated Assets Until They Experience Non-Correlation

While many investors say they want a low-correlation portfolio, they don’t want to actually experience a low-correlation portfolio.

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2016 Retirement Plan Limits

Retirement Cash Jar

Knowing how much you can contribute to your retirement accounts is important.

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Is There A Christmas Rally In the Markets?

Is There A Christmas Rally In the Markets?

While Santa Claus usually brings something positive for the markets, it isn’t enough to worry about jumping in and out of your investments.

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Don’t Mistake Volatility For Loss

Don't Mistake Volatility For Loss

“Nothing has provided greater risk control over the long term than equities, which are historically without principal risk over 30-year periods…”

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What Games Can’t Teach You About Investing

What Games Can't Teach You About Investing

Many people are first exposed to investing in grade school through a very simple game. Unfortunately, this game teaches all the wrong lessons.

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Radio Interview: Financial Gift Giving

Red and Gold Christmas Gift

David John Marotta was interviewed recently on radio 1070 WINA’s Schilling Show discussing financial Christmas gifts.

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Does Your College Saving Need a Christmas Gift?

Does Your College Saving Need a Christmas Gift?

Some years, we fall behind and I try to make a year-end contribution to get us caught back up again.

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States With Low Regulation Have 30% More Small Business Payroll Growth

States With Low Regulation Have 30% More Small Business Payroll Growth

That is a tremendous advantage for businesses in states with less regulatory burden.

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2016 Tax Facts

2016 Tax Facts

Here’s a quick guide to the tax brackets and some other useful information for 2016.

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Mailbag: How Much Cash Should I Keep For An Emergency?

Mailbag: How Much Cash Should I Keep For An Emergency?

Being prepared is always a good idea, but so is knowing the costs associated with being prepared.

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Seven Reasons Your Retirement Might Fail

Seven Reasons Your Retirement Might Fail

“In 34 years as a financial advisor, he has seen many people flunk retirement, but investment performance has never been the cause.”

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Trust Protections from Creditors and Spendthrift Beneficiaries

Royal Guards

The beauty of trusts is that they are very flexible, and an estate lawyer can help you craft a document that will follow your wishes and give you peace of mind.

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Mailbag: Where Does Cost Basis Go in a Partial 1031 Exchange?

Mailbag: Where Does Cost Basis Go in a Partial 1031 Exchange?

In a 1031 exchange, the cost basis of the property you give up is rolled into the new property you receive.

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Healthy And Wealthy Adds A Decade To Your Life Expectancy

Healthy And Wealthy Adds A Decade To Your Life Expectancy

The national average life expectancy is not a good measure for our clients’ life expectancy. That means planning beyond ages 82 and 85.

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Ameriprise Sued By Ameriprise Employees Over Excessive 401k Fees

Ameriprise Sued By Ameriprise Employees Over Excessive 401k Fees

A fundamental fiduciary principle is to avoid self-dealing.

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Social Security Loopholes Scheduled to Sunset

Social Security Loopholes Scheduled to Sunset

The Bipartisan Budget Act of 2015 ends two very profitable Social Security optimization techniques that allowed some savvy beneficiaries to take up to $50,000.00 in additional lifetime income.

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An Immediate Annuity Is Probably Never The Right Answer

An Immediate Annuity Is Probably Never The Right Answer

The Journal of Financial Planning featured a nice column by Harold Evensky entitled “These Innovative Research Papers Deserve Your Attention.”

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October 2015 and Year-to-Date Returns for Our 6 Asset Classes

Q3 2015 6 Asset Class Returns

October showed a sharp reversal of the movements of Resource Stocks.

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Radio: The Broken Promises of the Government

Broken Glass

David Marotta was interviewed recently on radio 1070 WINA’s Schilling Show discussing some of the government’s broken promises

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The Hunger Games: Mockingjay, Part 2

The Hunger Games Mockingjay Part 2

I encourage you to read the books and watch the film.

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When Are Taxes Due On A Roth Conversion?

When Are Taxes Due On A Roth Conversion?

Any tax which is ultimately going to be owed is owed by April 15th. Otherwise it may be subject to interest and penalties.

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Mailbag: When Can I Move Into a 1031 Property?

Mailbag: When Can I Move Into a 1031 Property?

Because 1031 exchanges are a great way to defer paying large amounts of capital gains tax, the IRS tends to be suspicious of them.

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Baby Bear: The Bear Market of 1966

Baby Bear: The Bear Market of 1966

Examining past Bear Markets can help provide some context when we experience the next one.

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What Capital Gains Is Owed For The Sale Of Gifted Stock?

What Capital Gains Is Owed For The Sale Of Gifted Stock?

It is better to leave stock to a family member in your estate plan than to gift them the stock while you are alive.

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Can I Put My RMD Into A Roth IRA?

Can I Put My RMD Into A Roth IRA?

Annual required minimum distributions must be satisfied before any additional amounts are converted to a Roth IRA.

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The Kennedy Slide Bear: The Bear Market of 1962

The Kennedy Slide Bear: The Bear Market of 1962

Here are seven sage investing lessons from the J. Paul Getty era.

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Health Care Insurance Rises Another 24.6%

Health Care Insurance Rises

ObamaCare was always going to be a bad law and now, five years in, that should be clear to everybody.

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Jeb Bush’s Tax Plan

Jeb Bush's Tax Plan

Bush’s tax plan is in good company with Trump, Rubio, and Lee. It hits many common Republican talking points but doesn’t seem to take its own reasoning very seriously.

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Teddy Bear: The Bear Market of 1957

Teddy Bear: The Bear Market of 1957

The lessons of each bear market are visible with the wisdom of 20/20 hindsight.

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Small Changes Have Large Effects Over Time

Swimmer- Breath

A swimmer takes one stroke at a time and yet makes great progress.

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Lessons from the Crash of 2007-2008

Lessons from the Crash of 2007-2008

For a calm investor, a crash will just mean that the stocks you would have bought anyway are temporarily on sale.

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How Common Is A Stock Market Crash?

How Common Is A Stock Market Crash?

A crash is defined as an index dropping at least 50% from some previous high. Since 1950, there has been exactly 1 stock market crash in the S&P 500 Price Index.

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Sage Advice After Stock Market Drop

Sage Advice After Stock Market Drop

When the market drops, resist the impulse to “do something.”

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Can I Contribute To A Roth IRA If I Don’t Have A Job?

Can I Contribute To A Roth IRA If I Don't Have A Job?

You can only contribute to your Roth IRA if you have what the IRS calls “earned” income. This makes it all the more important to contribute to your Roth IRA every year you can.

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How Frequently Should I Redo My Estate Plan?

How Frequently Should I Redo My Estate Plan?

Here are the most common reasons that your plan might need to be updated or revised and what to do about them.

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Artist Interview with Malcolm Hughes

Winter Light, New River - Malcolm Hughes

Marotta Wealth Management is showing original oil paintings by Malcolm Hughes at our office this fall!

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Donald Trump’s Tax Plan

Donald Trump's Tax Plan

Tax season under Trump’s plan would likely be just as complicated but slightly less painful.

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How Much Can I Contribute To A Roth IRA If I Earn Too Much?

How Much Can I Contribute To A Roth IRA If I Earn Too Much?

I’m on the borderline for being able to contribute to a Roth IRA. How do I determine how much I can contribute?

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