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Our Articles

Radio: Projecting Your Own Longevity
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On Tuesday, January 10, 2023, David John Marotta appeared on Radio 1070 WINA’s Schilling Show with Rob Schilling to talk about how long we should plan on living in retirement projections.

#TBT The Complete Guide to Creating an Investment Plan
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This is a summary of the six steps required to create a well-crafted investment plan.

How to Implement a New Investment Plan
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Next time you are wondering if you should invest now or “wait for a better time,” remember Schwab’s study and invest now in whatever way makes you invest now.

What is a ‘Related Person’? (SEC ADV Part 1, Item 9, Question F)
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Item 9 Custody offers perhaps some of the most confusing and most often changed compliance questions.

#TBT Account Protection at Schwab
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Charles Schwab offers both SIPC® account protection and a FDIC insurance amount for accounts custodied with them.

Why the Verizon Visa Credit Card is My Primary Card
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I have adopted this card as the primary one in my wallet for groceries and gas.

More People Eligible for ABLE Accounts in 2026 (Secure 2.0)
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This amendment raises the ABLE account age to 46 starting in 2026.

#TBT That Rebate Check Could Ruin Your Retirement
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This 2008 article reminds us that anyone who spends more than 4% of their rebate will actually lose ground saving toward their retirement.

Using Franklin Funds in 2022 Saved Clients Over $360,000
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Reducing expense ratios by a theoretical 0.42% is a significant result. It is good to know that what works in theory has also worked even better in practice.

New Catch-Up Limits for Ages 60-63 in 2025 (Secure 2.0)
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Seniors born between 1962 and 1965 will be the first to be able to take advantage of these plus-sized limits.

#TBT A Wealth of Satisfaction
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This 2011 article reminds us that there will never be another you in the history of the universe. Sometimes that is just the reminder we need.

Retirement Plans Allow Roth Employer Contributions Now (Secure 2.0)
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For those who run a retirement plan, the next step for implementing this change is to email your plan provider.

High Wages Limit Catch-Up Options to Only Roth in 2024 (Secure 2.0)
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Hopefully over all this amendment encourages employer plans to offer Roth options, which will be good for taxpayers, even if this additional wealthy discrimination is unwelcome.

#TBT The Benefits of Saving and Investing Early
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This 2014 article reminds us: don’t wait until you “have more” or “make extra money” – start saving now! It is worth more.

Contribution Basis is Prorated for Roth 401(k) Withdrawals But Not Roth IRA
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In a designated Roth account like a Roth 401(k), each early distribution is treated as coming part from contribution basis and part from earnings.

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