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Our Articles

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.

No More Roth 401(k) RMDs in 2024 (Secure 2.0)
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This update amends the Roth-side of employer retirement plans to behave more like Roth IRAs prior to death.

#TBT Speed Is Not Critical When Investing
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Using the analogy of a peach orchard farmer compared to a doomsday weather watcher, David Marotta reminds us in this 2004 article that “For the speculator, speed is everything. Not so, for the investor.”

Radio: Inflation in December 2022
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On Tuesday, December 13, 2022, David John Marotta appeared on Radio 1070 WINA’s Schilling Show with Rob Schilling to talk about the causes of inflation.

Freedom Investing By Quarter in 2022
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Here is a review of the performance of Freedom Investing in 2022.

#TBT Where to Find Statements and Tax Documents on Schwab.com
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Following this guide, you should be able to easily download any account documents you want.

Virtual Class: Success and Significance in Retirement (OLLI 2023)
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The class will be held April 13 through May 4, 2023 each Thursday from noon to 1:00 PM on Zoom.

Freedom Investing in Review (December 2022)
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This quarter, we saw that in 1-year returns ending December 31, 2022, Developed Freedom Investing had a +0.13% advantage, Emerging Market Freedom Investing had a +0.45% advantage, and Overall Freedom Investing had a +0.77% advantage.

#TBT For Valentine’s Day, Work on a Budget Together
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Financial planning can be romantic. As this 2011 article reminds us, “nothing is more romantic than planning how to realize your shared hopes and dreams for the future.”

Even Down, Biotechnology Still Had a Place in Efficient Portfolios (2022 Analysis)
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Biotechnology’s low correlation, the very thing that makes you dislike it, is specifically what gives it a place in efficient portfolios.

2023 Tax Facts
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Here is a reference chart with 2023 income tax rates, capital gains rates, retirement contribution limits, and more.

#TBT Where is Your Priority: Tax Preparation or Tax Planning?
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Tax planning is very different than tax return preparation. The goal of tax preparation is to minimize your tax owed this year. The goal of tax planning is to maximize your after-tax net worth by minimizing your taxes owed over your lifetime.

Changes to RMDs for Those Born in 1951 or Later (Secure 2.0)
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Later required beginning dates are generally advantageous to seniors, although the complexity surrounding RMD rules is nothing to celebrate.

#BestOf2022 How to Self-Insure for Long-Term Care Health Expenses
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Saving for long-term care, if done early enough, is not too expensive and helps to protect yourself from this potential financial shock.

#TBT Which is Better: Bad Market Timing or Not Investing?
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This 2014 post reminds us that perhaps we should be more afraid of cash and inflation than stocks and investing.

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