Some Financial Planners Are Not Like The Others
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I recommend the NAPFA search tool and suggest you avoid the CFP Board’s search tool until they change how they do their searches.

#TBT The Real and Present Danger of Inflation, Even for Babies
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Investors greatly underestimate the danger of inflation.

How to Spend: Go To The Source
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Imagine how much you could save if you could cut all your expenses in half!

Should I Invest In The Harry Dent Sector Fund in Australia
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We would suggest not listening to Dent’s commentary or investing in his fund.

Systemic Barriers to Racial Diversity in Financial Planning
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All of these factors contribute to the low inclusion of people of color among those holding the CFP® certification.

Review: Bank of America Credit Card
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Recently, I signed up for the Bank of America Customized Cash Rewards credit card offering a $200 online cash rewards bonus and 3% cash back in the category of your choice.

#TBT One Method To Estimate Future Inflation Expectations
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One method of crowd sourcing expectations about inflation is to look at the current differences between the maturity rates of a 5-Year Treasury Bond and a 5-Year Treasury Inflation-Indexed Bond.

Seven Elder Abuse Scams and How to Protect Yourself
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Here are the most common elder scams and how to prevent them.

Case Study: Anthony Diaz Hid Within FINRA for 15 Years
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Anthony Diaz was convicted on seven counts of wire fraud and four counts of mail fraud for investing in illiquid assets.

How to Secure Your Schwab Account
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Cyber security gravitates toward the low-hanging fruit of novice users. Even taking a few steps can greatly protect your accounts.

#TBT In Which Investment Vehicle Should I Stage My Spending Money?
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The addition of stable investments can help dampen the risk and increase the chances of meeting your spending goals.

Sixteen Problems with the Eat-What-You-Kill Model
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The culture of many commission-based firms makes it a poor environment both for employees and clients. Don’t take a chance with your retirement.

#TBT Most People Take Social Security At The Worst Possible Age
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This 2016 article reminds us that, “Unless you are certain that are going to die young, there is no good reason to risk starting Social Security at age 62.”

Marotta Family Story: June Marotta’s KeyBucks
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In the speech, she tells the story of how she taught second through sixth graders about democracy, economics, entrepreneurial endeavors, and personal financial planning.

Radio: Biden’s Support of Unions
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On Tuesday, May 10, 2021, David John Marotta appeared on Radio 1070 WINA’s Schilling Show with Rob Schilling to talk about Biden’s support of unions.

David John Marotta Honored in Dear Holmes Mystery
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David John Marotta was awarded the Featured Detective honor on a recent “Dear Holmes” case.

#TBT Everyone Needs Some Frivolous Purchases
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Everyone needs some fun in their life, and sometimes fun costs a little money. This 2004 article shares six guidelines for dealing with purchases that might be considered frivolous.

How to Recontribute Funds to HSA Bank
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When you receive reimbursement for an expense you’ve already paid from the HSA, that portion of your HSA distribution is no longer a qualified medical expense and must be recontributed to avoid tax.

#TBT What Is The Alternative To An Annuity?
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It is always a good time to be reminded that an immediate fixed annuity is not an investment; it is an insurance product. This 2015 article by David John Marotta is a methodical unraveling of annuities and a description of the far superior alternatives.

Radio: Eliminate the Corporate Tax
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On Tuesday, April 13, 2021, David John Marotta appeared on Radio 1070 WINA’s Schilling Show with Rob Schilling to discuss corporate tax rates.

Radio: Raising the Minimum Wages Hurts the Already Disadvantaged
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On Tuesday, March 9, 2021, David John Marotta appeared on Radio 1070 WINA’s Schilling Show with Rob Schilling to talk about raising the minimum wage.

A Review of Fair Trade Efforts and Sweatshops
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Before you assume that moral licensing such as Fairtrade is the only ethical consumerism, think again. Understanding how such licensing works shows how little good it actually does.

#TBT How to Live on 24 Hours a Day
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A short quote from this 2004 inspiration, “Time is so much more than money. If you have time, you can acquire more money. But money can’t buy you more time. Time is a great equalizer. You can’t go into time debt. Every day the rich and the poor alike are given twenty-four hours to spend.”

Overcome Your Biases and Invest Globally
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Home bias is the tendency of investors to invest a majority of their assets in companies domiciled in their home country. Recency bias is the tendency for humans to believe that what has happened recently will continue to happen in the future.

Radio: Lessons From 2020 About Government Regulation
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On Tuesday, May 12, 2020, David John Marotta appeared on Radio 1070 WINA’s Schilling Show with Rob Schilling to discuss government regulations which made it more difficult for the free markets to cope with COVID-19.

Don’t Let A Second Home Ruin Your Retirement
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The cost of a second home is large. Large enough that it can ruin your retirement plan.

A Review of the Effective Altruist Charitable Giving Strategy
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While there may be ineffective charities which still deserve your support, this process may reveal ways that we can encourage ourselves, our charities, and our charitable giving to do better.

How to Avoid Scams
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It is difficult to know which sites to trust, but it is easy to know that someone is violating one of the eight safeguarding your money standards or can’t answer the ten questions to ask a financial advisor.

#TBT Is My House an Investment?
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For most families, the largest purchase they make will be their house. This 2011 post reminds us that the house you and your family live in is not an investment, but real estate can be.

Should I Pay Off My Mortgage?
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Even if the world was ending, I still want to have a mortgage.

Video: The Value of Systematic Roth Conversions
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In this talk, David demonstrates how Roth conversions can be extremely valuable even if a client is always in the same tax bracket.

Zero Steps To Take Before Contacting a Financial Advisor
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Don’t delay getting your finances in order until you get your finances in order. Ask for help today and see what wisdom a financial advisor has to share.

How to Implement The Automatic Millionaire Technique at Schwab
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By decoupling your standard of living from the size of your income, you have taken the first step toward financial freedom.

How to Foster Your Child’s Inner Entrepreneur
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An entrepreneur is valued for innovation. To innovate almost always requires failure first.

#TBT How Long Should I Keep Financial and Tax Records?
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Whenever the IRS challenges you, the burden of producing evidence that your claims are true rests entirely with you.

Troubles With 401(k) Plans Run By Salespeople
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The worst cause of employer stress is the fact that there exist many financial salespeople who offer plans which benefit themselves at excessive cost to the employer and their employees.

Raising the Minimum Wage Hurts The Most Disadvantaged
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We need to go beyond good intentions. The underprivileged among us deserve good results.

#TBT How to Deduct U.S. Debt Obligations on State Tax Returns
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Some states do not tax their residents on income from a mutual fund that was earned on U.S. government obligations.

New Funds for United Kingdom, Hong Kong, and Canada
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We would expect the switch to Frankiln funds to save our clients 0.11% annually due to the lower expense ratio.

Radio: David Marotta on Real Estate Matters (December 2020)
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On December 19, 2020, David John Marotta appeared on Radio 1070 WINA’s Real Estate Matters with host Michael Guthrie.

Radio: Savings Waterfall for 2021
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Which account you should fund depends on your circumstances. However, there are some general guidelines you can follow to make your decision.

Never Say Debit, Despite Dave Ramsey
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The only correct answer to Debit or Credit is “Credit!”

The Market Isn’t Made Up. It Is Made.
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The value of a stock is simply what people are willing to pay for it.

An Overview of Marotta’s 2021 Gone-Fishing Portfolios
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A gone-fishing portfolio is a portfolio of just a few stocks which should weather the ups and downs of the market fairly well while only rebalancing twice a year.

Marotta’s 2021 Gone-Fishing Portfolio Calculator
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This gone-fishing portfolio is our default portfolio which can be used at any custodian.

Marotta’s 2021 Vanguard Gone-Fishing Portfolio Calculator
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We recommend this gone-fishing portfolio for accounts hosted at Vanguard.

2020 in Review
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Looking closer into each asset class, here’s how our top six asset classes performed between January 1 and December 31, 2020.

Account Funding Priorities for 2021
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Which account you should fund depends on your circumstances. However, there are some general guidelines you can follow to make your decision.

#BestOf2020 Should I Change My Strategy During the Presidential Election Cycle?
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With timeless advice, this article can help you make decisions during uncertain times.

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