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Our Articles

Marotta’s Gone-Fishing Portfolio: Review of 2023 Returns
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Last year, our 2023 Marotta’s Gone-Fishing Portfolio was a recommendation of 12 stock investments. This article is to report on the 2023 performance of those twelve stocks.

#TBT Slow and Steady Wins the Race
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In 2003, David stopped to rescue a snapping turtle from 250 West. Even now, the financial planning lessons from that turtle are still sage advice.

College Saving Strategies: One-Time Gift or Monthly Contribution?
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Once you have calculated the funding requirements for your college savings goals, there are three strategies for funding the accounts.

#TBT What Are Normal Market Movements?
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It is common for investors to be surprised by movements in their portfolios. This 2019 article reminds us though that even volatile movements can be quite normal.

Inherited RMD Update: IRS Waives 2024 Penalties and Delays to 2025
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Taxpayers waiting for final guidance, have seen penalties waived for 2021 or 2022 RMDs, for 2023 RMDs, and now for 2024 RMDs.

#TBT Learning to Live on Your Own
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Here are several tips on how to live richly on your own.

Freedom Investing in Review (March 2024)
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This quarter, we saw that in 1-year returns ending March 31, 2024, Developed Freedom Investing had a -5.8% disadvantage, Emerging Market Freedom Investing had a +3.83% advantage, and Overall Freedom Investing had a -2.89% disadvantage.

#TBT Frequency Matters More Than Height
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This 2009 article reminds us, “When we are worried about our expenditures, we tend to look at the dollar amounts more than the frequency of our purchases.” However, to combat mindless spending, we should look to trim recurring expenses first.

Implement a Savings Waterfall for 2024
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With a savings waterfall, you immediately know which buckets to fill when there is excess and which should remain dry if there isn’t enough for all your goals.

#TBT Can a 529 Reimburse for Last Year’s Expenses?
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This article offers an overview of what we know about 529 reimbursement timing.

How to Ensure You Have a Strong Password
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With one memorable password protecting a vault of random ones, you can increase your security immensely while only mildly complicating your access.

#TBT States with Tax-Exempt Interest from U.S. Debt Obligations
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As of 2021, here is an overview of how the states and jurisdictions handle interest on certain U.S. government obligations.

Seven Rules to Using a Credit Card Safely
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These are the seven rules to using a credit card safely.

#TBT How to Keep Your Identity Safe Online
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This 2015 article has five rules for safely handling your digital security which you can’t afford not to implement.

In Roth Conversions, Reducing Political Risk May Be One of the Benefits
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Converting early can avoid your exposure to tax changes going forward as a Roth IRA is never taxed again.

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