November 21, 2014

AAII 2014

David John Marotta presenting

The articles associated with David John Marotta’s presentation at the DC Metro chapter of the American Association of Individual Investors.

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...

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...

Time to Give Annuities a Second Look?

Two Giraffes

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

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...

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...

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...

Fourteen Ways to Avoid Paying Capital Gains

Like water for money

The capital gains tax traps wealth in an investment vehicle requiring special techniques to free the capital without penalty.

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...

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...

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...

Important Social Security Info for Widows and Widowers

Widows and Widowers

Most survivors are uninformed about how Social Security benefits are calculated and often overlook a careful analysis of this critical retirement asset.

Read More...

Tax By Inflation

The Fading Dollar

In its simplest form, the government prints money and uses the newly printed currency to fund government spending.

Read More...

Today’s 20-year Olds Will Need Over $7 Million For Modest Retirement Lifestyle

Worried Woman

Most young people don’t understand inflation as well as their parents and grandparents.

Read More...

Make sure clients road-test retirement

Retirement Cake

“Ascertain whether they’re ready for changes in lifestyle and finances for the next stage of their lives”

Read More...

Every Business Should Start a 401(k)

Small business owners

The president’s hope to restrict the plans should actually make owners more interested in creating one.

Read More...

At Least 65% Of Workers Fail To Save Our Recommended 15% For Retirement

Bag Lady

The study shows that 21 percent have saved nothing for retirement.

Read More...

Is Social Security Stealing Your Chance Of Being A Millionaire?

You have got to be kidding.

Social Security withdrawals have enslaved workers to depend on government largess when they could have been independently wealthy.

Read More...

David Marotta Interviewed Discussing MyRA Plans

Marotta on the Radio

David Marotta was recently featured on radio 1070 WINA’s Schilling Show discussing the new MyRA plans, inflation, and saving for retirement in general.

Read More...

Social Security

SS Heatmap

Social Security benefits can represent a big stack of cash. A typical monthly benefit of $2,200 has a present value well over $500,000. Consider all your Social Security options carefully to avoid making a costly mistake.

Read More...

Liberals Characterized Privatizing Social Security As A Risky Venture

Obama's 2012 Convention Acceptance Speech

Even the Social Security withdrawals of average workers would produce millionaires if they were allowed to be saved and invested in private accounts.

Read More...

How To Report Backdoor Roth In TurboTax

Turbo Tax Backdoor Roth

How to report a backdoor Roth in Turbo Tax.

Read More...

Develop A Network Of Friends In Retirement

Old Friends

Having community is important for a successful retirement. Men may find it requires more work to achieve.

Read More...

Obama’s myRA Plan Violates Multiple ERISA Laws

Go to jail

Willful violations of ERISA legislation carry criminal penalties of up to a year in prison for the plan sponsor and a fine of up to $100,000 for the corporation.

Read More...

Opening A Brokerage Account

Stone grid

Opening an account is the first step in getting started in investing.

Read More...

Social Security Optimization: Case Study

social security man

Social Security Case Study: The names have been made up, but the problems are real.

Read More...

Retirement Plan Asset Allocation: University of Virginia Case Study

uva wise owl

Many people lack the time and expertise to develop an intelligent retirement asset allocation plan.

Read More...

UVA Tax-Deferred Retirement Plan Asset Allocation Tools

uva wise owl

We have created several asset allocation tools to aid those seeking an intelligently diversified portfolio.

Read More...

Why Can’t Our Social Security System Be More Chilean?

social security

Both economists and reasonable citizens understand that reforming our Social Security system is inevitable.

Read More...

How to Calculate An Advisor’s Value: Annuity Planning

Chess Black King

Without a doubt, the best single annuity option for any client – that is, the option that creates the higher monthly cash payment – is to delay Social Security.

Read More...

How to Calculate An Advisor’s Value: Dynamic Withdrawals

Chess White Bishop

Having a plan not to run out of money is priceless.

Read More...

2013 IRA & Roth Contribution Limits

Retirement plan contrib limits 2013

There’s still time to make sure you’ve maxed out your retirement contributions — your future self will thank you.

Read More...

If Tiger Woods Can Contribute To A Roth, So Can You – Via Back Door

backdoor roth

A backdoor Roth IRA contribution requires some extra steps but allows high-income earners equal access to the tax-free benefits of a Roth IRA.

Read More...

How to Calculate An Advisor’s Value: Tax Efficiency

Chess White Pawn

A dollar saved on your taxes is better than a dollar earned which causes you to pay more tax.

Read More...

Money Management Lessons From a Relay Race

winning team

Money meditations from the finish line.

Read More...

Marotta’s 2014 UVA Fidelity 403b Calculator

University of Virginia's Serpentine Walls

Age appropriate asset allocation for 2014 using the choices available in the University of Virginia’s Fidelity 403(b) Tax Deferred Savings Plan (TDSP).

Read More...

Marotta’s 2014 UVA Fidelity 401(a) Plans Calculator

University of Virginia's Serpentine Walls

Age appropriate asset allocation for 2014 using the choices available in several of the University of Virginia’s Fidelity Retirement Plans.

Read More...

Is The Optimum Level Of Annuity Ownership Negative?

Sailboat to Money Island

Does it actually make sense that people should buy annuities as much as conventional wisdom says?

Read More...

Retirement Planning

Retirement Planning

Retirement Planning is perhaps the single most important goal of comprehensive wealth management.

Read More...

How quickly should 401(k) deposits be remitted? ($ ?s)

$ Questions

As the payroll processor at our company, how quickly do I need to deposit 401(k) contributions into employee accounts? -Sincerely, Payroll Pam

Read More...

Is Your 401(k) Plan Secure?

raccoon stealing

Money deducted from your paycheck for retirement typically gets deposited quickly into your 401(k) plan. But this isn’t always the case.

Read More...

Postpone Retirement for Your Health

Squirrel clinging to tree

Your lifespan is decreased by 1.8 months for each year you retire early.

Read More...

Overspending Retirement Income

Sailboat to Money Island

Several issues can cause retired clients to deviate from their safe spending rates.

Read More...

Five Things Advisors Should Tell Clients About Retirement, But Often Don’t

5-things-advisors-should-tell-clients-about-retirement_t

“Retirement today is a lot like an iceberg, where 90 percent of what’s really taking place is below the surface.”

Read More...

Big Mac Index Shows Official CPI Underreports Inflation

Big Mac

The lack of an adequate CPI adjustments leave seniors 71 days shy of a year’s worth of lovin’ it. Seniors deserve a break today!

Read More...

Bucket List: Financial Independence

Bucket and Sand

Most people do not use all their skills at their place of work, so these other skills become hobbies. I am no exception. What I need to pursue these other dreams is financial independence, that is, decoupling my need to eat from my skill as as an artist.

Read More...