July 25, 2014

Is AmazonSmile Good For Charities?

AmazonSmile: You shop. Amazon gives.

There is no reason why charities should not be thankful.

Read More...

SEC Q&A: How do I find out whether an investment adviser ever had problems with a government regulator or has a disciplinary history?

Golden Glasses

You can get copies of Form ADV by accessing the Investment Adviser Public Disclosure (IAPD) website.

Read More...

Freedom Investing Since 2000

Freedom Investing 2000-2016-06

Recently we did an analysis of the returns of the MSCI Country Specific Indexes

Read More...

Freedom Investing Beats EAFE Index by 3.92% Annualized Over Past Decade

Freedom Investing 2014-06

Over the past decade the economically free countries have an annualized return of 11.34%. The S&P 500′s annualized return was 7.78%.

Read More...

SEC Q&A: How do investment advisers get paid?

Three Glasses

How your advisor is compensated matters. Make sure you can follow the money and know how they are getting paid.

Read More...

How Can I Tell Who Is Associated With A Broker-Dealer?

Pigs

If your advisor is on one of these lists you should be aware of how they are paid.

Read More...

Facebook’s And Your Negative Feelings

Thumbs Down

In truth, the best way to mollify negative feelings might be to give up your Facebook account entirely.

Read More...

Radio: Financial Planning in Your 40s and Early 50s

Marotta Smiling On Radio

Here is a list of seven things which are important to ensure during these years

Read More...

Should I Tender My Allergan Shares To Valeant Pharmaceuticals?

Allergan

Perhaps they should make this into a mini-series.

Read More...

SEC Q&A: What questions should I ask when choosing an investment adviser or financial planner?

Questions to Ask Your Financial Advisor

Here are our answers and comments to the SEC’s eight suggested questions.

Read More...

How to Open a Roth for Your Child

Open a Roth for Your Child

Someone has to be proactive about your child’s retirement and every year you don’t open a retirement account is another year you’re holding back compound interest.

Read More...

Don’t Do Something. Just Stand There!

Sisters Forever

You learn a lot by the discipline of reading old news.

Read More...

Video: Virginia’s Neighborhood Assistance Program Tax Credits

Early Bird Gets the Worm

This video discusses Neighborhood Assistance Programs, and how donating to a local charity can both help people in your area and help you with your Virginia tax bill.

Read More...

Time to Give Annuities a Second Look?

Two Giraffes

No. I thought we’d decided not to give them a first look.

Read More...

Study on Investment Advisers and Broker-Dealers

Wolf

These are the wolves of Wall Street pretending to be the helpful sheep of investment advisors.

Read More...

How Do I Find An Estate Planning Attorney In My Area?

ACTEC

What is a better starting place than advertisements and phone directories?

Read More...

The Benefits of Saving and Investing Early

Saving Money

Any money you put away and invest now will have the longest time to grow, due to the magic (or actually, the mathematics) of compound interest.

Read More...

SEC Q&A: What is the difference between an investment adviser and a financial planner?

Glasses of Gold Growth

This is why we call ourselves comprehensive wealth managers.

Read More...

Mailbag: Can I Roll My IRA Into A REIT Tax-Free?

Can I Roll My IRA Into A REIT Tax-Free?

A reader asks, “My wife has a $250K SEP IRA earning 1.5% interest. Can we use any of the funds for real-estate investments?”

Read More...

Taxes on Non-Deductible IRA Contributions

Coffee and Cream

“Once you put cream in the coffee, all coffee removed from the cup is partly cream and partly coffee.”

Read More...

How To Designate Charitable Gifts In Your Schwab Donor Advised Account

Schwab Charitable

Schwab Charitable Donor Advised Funds make the gifting process easier.

Read More...

How To List A Charity As Your Beneficiary

Charity

There is a tax benefit to leaving some assets to your favorite charity rather than leaving it to your heirs.

Read More...

Mailbox: How Can I Leave My Estate To A Charity?

Gift Boxes

Leaving a legacy can be a great benefit for the charity receiving the gift.

Read More...

The Politics of Social Security

End of the line

Even half of what they collect in Social Security could provide a better private benefit.

Read More...

Does Every Client Get Put Into One Of A Few Investment Allocations?

Buckets

The short answer is, “No.”

Read More...

7 Quotes to Summarize U.S. Surveillance

Surveillance Quotes

“We don’t have concentration camps and political dissidents and large numbers being hauled into prison because we don’t need that because we have effectively put prisons inside people’s minds.”

Read More...

What Benchmark Should I Measure My Return Against?

Bad Benchmarking

Don’t let the noise of random returns ruin a brilliant investment strategy.

Read More...

Advisers Worry About Potential Costs Of Third-Party Exams

Hungry Fox

“Estimates range from $5,000 to $20,000; sharp opposition to Finra getting involved.”

Read More...

What is a 1031 Real Estate Exchange?

What is a 1031 Real Estate Exchange?

In our article “Fourteen Ways to Avoid Paying Capital Gains Tax”, we wrote about 1031 like-kind exchanges as a powerful tax-minimization tool for investors and business owners. Despite their complexity, these exchanges have the potential to save vast amounts of money.

Read More...

Roth IRA Conversions and Roth Segregation Strategies

Roth Segregation Accounts

Roth accounts have several advantages over traditional retirement accounts.

Read More...

The Ideal Retirement Plan Advisor

financial advisor card_t

Our firm decided to become a 3(38) investment manager because playing this role offers our clients administrative relief. By taking on the role of a 3(38) adviser, we accept responsibility for selecting a prudent investment strategy.

Read More...

What is the Difference Between AGI and MAGI?

What is the Difference Between AGI and MAGI?

MAGI is a common tax term to denote the resulting value of your adjusted gross income (AGI) with some items added back in. However, each use of MAGI may have different variables added back.

Read More...

Investment Advisors vs. Brokers

Lock and Gold Coins

Low risk firms should be visited less frequently by the SEC.

Read More...

Some College Degrees Not Worth the Investment

college guy playing guitar

A typical college degree is worth up to a million bucks over a career, but that’s not true for every degree.

Read More...

Mailbag: How Do You Live When You Are Trying To Avoid Taxes?

1040 Form with Pencil

Having sufficient assets in a taxable account can allow for tax planning.

Read More...

The Tax Code’s War On Marriage

Marriage Penalty

Two different people can end up with very different amounts of tax owed, simply because of their marital status. You cannot argue this increased tax is their “fair share” simply because they are married.

Read More...

Obamacare, the UN-Affordable Care Act

Know the cost

ObamaCare Is the Worst Legislation in 75 Years.

Read More...

Emerging Markets Still A Good Investment Despite Warning Notices Regarding Russia

SSEMX Warning Notice Regarding Russia

Russia is less than 6% of most emerging market indexes.

Read More...

Virginia Neighborhood Assistance Program Tax Credits Coming Soon

empowerment

Church Hill Activities and Tutoring is one example of the many charities that are granted tax credits to share with donors.

Read More...

Should You Ditch Your Budget?

Ditch the Budget?

Could this scheme from Mr. Money Mustache change your budgeting strategy?

Read More...

How To Save Wealthy Clients From Themselves

Brain Scan

“Emotion can undo the best-laid financial plans.”

Read More...

Matthew Illian’s Social Security Article on MSN Money

divorce

If you’re getting divorced or remarried, “for better or for worse” and “for richer or for poorer” can have real meaning for Social Security benefits. Most retirees are uninformed about how Social Security benefits are calculated, and often overlook how their change in marital status affects this critical retirement asset.

Read More...

David Marotta Quoted on Yahoo Finance Story About Gen Y Savings

College Student in Hammock

Because of inflation, today’s 20-year-olds will need over $7 million to have the same lifestyle when they retire.

Read More...

Mailbag: Is Funding My 401(k) Match Sufficient to Fund My Retirement?

401k Shortfall

At age 25, getting your 401(k) match funds 64.2% of your retirement.

Read More...

New Stock Owners Emerge Since End of Second World War

returning home

The majority of stocks are no longer held directly and shareholders are not legal owners but are called beneficial owners. We explore what these changes mean for the average investor.

Read More...

Radio: Virginia’s Tax Freedom Day Today

Free Parking

We estimate that if you didn’t have to pay taxes, you could leave work every day at 2:34pm.

Read More...

Radio: Avoiding Excess Taxation

Tax Tables

David John Marotta was interviewed on radio 1070 WINA’s Schilling Show on April 15 to discuss taxes and how to avoid excess taxation.

Read More...

Social Security to Resume Some Paper Statements

No junk mail

Beginning in September 2014, SSA will resume mailing paper statements to workers every five years.

Read More...

Inflation Is 3% For First 120 Years; 2,380% For The Last 100 Years

Zimbabwe and gold

Of all the investing risks we face, inflation is the risk most commonly overlooked and most certainly experienced.

Read More...

What Is A “Margin Alert”?

Schwab Margin Alerts

There are five types of Schwab Margin Alerts: Margin Maintenance, Short Position, Trade Debit Due, Margin Debit Balance / Account hold Value Advantage, and Trade Settlement Violation

Read More...