How to Budget for Emergencies (The Series)
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It is possible to be prepared for financial emergencies by living 10% more frugally and saving for the inevitable eventuality.

HealthSavings Administrators HSA Investment Recommendation
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A low cost timeless portfolio for your HSA with HealthSavings Administrators.

Many Funds Close, Others Should
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There is a science to portfolio construction. Selecting a random group of companies is just as bad as selecting a random group of funds.

#TBT Your Asset Allocation Should Be Priceless
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Rebalancing from stocks into bonds reduces your returns on average since bonds have a lower average return. But, as this 2015 article reminds us, there are decades of very choppy markets where even rebalancing an allocation of stocks and bonds can boost returns.

Q&A: I have a Marotta-Managed 401(k). What should I invest in?
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We often get the question from plan participants, “What should I invest in?” Here are our recommendations in order.

Do Top-Ranked Funds Repeat?
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Dimensional’s analysis found that top funds do not repeat.

What is the Correlation of the Asset Classes?
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Asset classes are best defined by looking at the correlation of their returns. These four 2015 articles take a close examination at the three appreciation asset classes.

Helpful Chart Shows Why You Should Diversify Globally
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We continue to believe that diversification among many different countries provides a more consistent return than investing entirely in the United States.

Avoid Dave Ramsey’s Referral Services
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Rumors suggest that the network’s vetting is a five minute process where you are told the fees are about $1,000 a month.

#TBT Marotta’s 2019 Gone-Fishing Portfolios
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In case you missed it, here is the overview of our Marotta’s 2019 Gone-Fishing Portfolios. These are our recommended simple asset allocations for those just getting started with investing.

The 30-Year Value of a Single Roth Conversion
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Thirty years of interest, dividends, and capital gains tax is a significant savings.

Looking Backward On Socialism: The Use Of Force To Bring About Utopia
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The unpleasant reality is that socialism quickly turns to the use of force to bring about their vision of society.

#TBT How Shrewd Investors Save on Taxes
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This 2007 post teaches how to use both investment losses and investment gains to good tax advantage.

Spam Analysis: The “Reclusive Millionaire Warns” Article
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The title is “Reclusive Millionaire Warns: ‘Get Out of Cash Now.’ ” Assuming you take the bait, the article and accompanying video uses all the psychological tricks. It takes a long time before what they are selling is revealed.

#TBT Seven Financial Rules For Marital Bliss
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An overwhelming number of failed marriages cite financial troubles as a major factor in their breakup. See if this 2006 article can help make finances a place of union rather than separation.

#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.

When Should I Worry About Performance?
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Some performance is cause for concern. Other times, you need not worry. Here are 5 times you should not worry and 4 cases when you should.

Observations on “The FIRE Movement”
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The FIRE (Financial Independence, Retire Early) movement is a suggestion that you should have the goal of achieving financial independence and retiring while you are young.

#TBT Slow and Steady Wins the Race
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In 2003, David stopped to rescue a snapping turtle from 250 West. Now, in 2019, the financial planning lessons from that turtle are still sage advice.

The Power of Compounding
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It is hard to prioritize saving, but it pays off. Here is how.

Avoid Advisors Paid for Cross-Selling
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Cross-Selling is when a financial institution incentivizes their employees to sell or recommend financial products and services that increase the financial institution’s profits. The practice is as commonplace as it is fraught with conflicts of interest.

Q&A: How Much Attention Should Fees Get?
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“Has the focus on expense ratios caused the public to lose focus of more critical financial measures, such as performance?” Actually, expense ratios and 12b-1 fees should get even more attention than they are getting. Here’s why.

#TBT Compute Your Net Worth Once A Year
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This 2006 article teaches you how to use a net worth statement is to measure your progress toward retirement and, as David Marotta writes, “What gets measured is more likely to be accomplished.”

Diagnostic Tool: What are normal market movements?
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It is common for investors to be surprised by movements in their portfolios, but it is harder to determine if these movements mean that anything should be done.

Becoming an Informed Consumer of Investment Media
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Evaluate the source. Question the melodrama. Examine the tone. Consider the motive. Check the facts.

Radio: Success and Significance in Retirement
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On Tuesday, April 9, 2018, David John Marotta appeared on Radio 1070 WINA’s Schilling Show to discuss how to achieve success and significance in retirement by both adequately savings for retirement and finding fulfillment during that period of your life.

Tax Freedom Day Arrives on April 16th, 2019
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Without taxes, you could leave work at 2:41pm every day.

79 Advisers Admit to Breach of Fiduciary Duty
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SEC announced that 79 investment adviser firms will return more than $125 million to clients after self-reporting violations of the Advisers Act.

Know Your Fund Expense Ratios
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The expense ratio charged by your funds matters more than you may realize.

Disclosures Are Not Sufficient To Fulfill The Fiduciary Duty
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Disclosures are always necessary but rarely sufficient to fulfill fiduciary obligations.

Contribute As Much As You Can to a 457 Plan
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If your employer offers a 457 plan, consider taking advantage of the ability to shelter more money each year from taxes in a Roth account.

Radio: Checklist for Reviewing Your Tax Return
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On Tuesday, March 12, 2019, David John Marotta appeared on Radio 1070 WINA’s Schilling Show to discuss how to do your own tax review.

Q&A: What is the Average Real Return of the Stock Market?
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The real return of the stock market going forward is often debated.

2019 Analysis of Fund Families on the Marotta Buy List
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The Marotta Investment Committee typically builds portfolios with average expense ratios of about 0.24%.

Ameriprise Pay-To-Play Funds Are Poorly Ranked By Morningstar
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If you own these fund families with your Ameriprise Advisor, perhaps you should consider switching to a fee-only financial advisor.

What You Should Do in Response to 2018 Year-End Returns
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These market returns panicked some investors. However, those emotions are unhelpful. Long term investing erases all this short term volatility. It is always a good time to have a balanced portfolio.

Radio: Best Time to Invest 2019
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There is always an excuse to delay doing something that involves risk. They close the show reminding you not to wait. Invest now.

#TBT Estate Planning For A Family Business Balances Three Roles
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This whimsical 2004 post uses the hypothetical family business of Belle and the Beast to teach a valuable lesson about passing on the family business to the next generation.

The No-Bear Bull Market of the 1990s
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Neither the dire pessimism at the start of the Bull Market of the 1990s nor the blind optimism at the end were warranted.

#TBT Getting The Most From Your 401(k) Or 403(b)
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The average worker will have a dozen employers and work at each job for less than four years. Your career is now your responsibility, and so is your retirement plan. Allow this 2010 article to be your lifetime Human Resources Department guide to being financially prepared.

The Dangers of Individual Stock Investing
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Portfolio construction is extremely important to achieving your long-term goals. Don’t risk those goals by assuming that individual stock-picking is a superior strategy.

Read This Before Starting Social Security Earlier Than Age 70
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Even though is often the worst choice, most people take Social Security as early as possible, at age 62. This decision reduces lifetime benefits by hundreds of thousands of dollars.

CFA Institute Advocates for Systematic Rebalancing
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Knowing that rebalancing boosts returns is useless unless you have the time, discipline, and nerve to follow through and actually execute the trades.

#TBT Eliminate the Capital Gains Tax
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Maybe if we say it enough, it will actually get done. “The correct rate for the capital gains tax is zero, zip, nada. Perhaps it is even negative!”

#TBT Business Planning Must Balance Dreams With Reality
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This 2004 article contains the five steps you should take to navigate how to make your business venture more than just a dream.

Is ‘Buy On The Dips’ A Good Investing Strategy?
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“Buy on the dips” is a good strategy only because of the first word.

You Should Fund Your HSA for The Maximum
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We recommend that you fund your Health Savings Account (HSA) to the maximum limit each year and that you keep funding it to the maximum as long as you can no matter how much money you have in the account.

#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.

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