Lessons from the Crash of 2007-2008
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For a calm investor, a crash will just mean that the stocks you would have bought anyway are temporarily on sale.

How Common Is A Stock Market Crash?
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A crash is defined as an index dropping at least 50% from some previous high. Since 1950, there has been exactly 1 stock market crash in the S&P 500 Price Index.

Can I Write My Own Estate Plan?
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The shortest answer is yes, you can. But just because you can, doesn’t mean you should.

Radio Interview: Which Retirement Accounts Should I Fund?
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David John Marotta was interviewed on radio 1070 WINA discussing which retirement accounts you should fund for the best tax outcomes.

Sage Advice After Stock Market Drop
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When the market drops, resist the impulse to “do something.”

Can I Contribute To A Roth IRA If I Don’t Have A Job?
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You can only contribute to your Roth IRA if you have what the IRS calls “earned” income. This makes it all the more important to contribute to your Roth IRA every year you can.

How Much Can I Contribute To A Roth IRA If I Earn Too Much?
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I’m on the borderline for being able to contribute to a Roth IRA. How do I determine how much I can contribute?

How To Correct Excess Roth IRA Contributions
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Regardless of the reason, if you have put too much money in your Roth IRA, the solution is the same.

Can I Contribute To My Wife’s Roth IRA?
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I have earned income but my wife does not. Can I contribute to my wife’s Roth IRA?

How to Help Clients Cope With Scary Markets
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Staying the course when an index investment is down is very uncomfortable in the short-term but usually the best course of action in the long run.

What is a Backdoor Roth?
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Even over the income threshold, you may still be able to add funds to your Roth IRA with what is called a backdoor Roth.

Mailbag: Roth IRA vs. Roth 401(k), Which is Better?
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Differing legislation makes one of the two preferable.

Advisors Save Clients From Costly Mistakes By Social Security Workers
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Those costly mistakes are a fifth of a million dollars in most cases.

When Should You Stop Funding Your HSA?
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You’ve opened your HSA and funded it for several years. When should you stop funding it?

Radio Interview: How Volatile Are the Markets?
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David John Marotta was interviewed on radio 1070 WINA’s Schilling Show discussing market volatility.

Five Good Reasons to Hire a Financial Advisor and Two Bad Ones
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The job of a financial advisor is to do what you would do if you had the time and expertise.

How to Avoid a Down Payment on a Mortgage
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If you prefer to keep your down payment money invested in the markets for longer, there are two alternatives.

How To Protect Yourself From Investment Rip Offs
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Six ideas to make sure you aren’t falling victim to commission-based products and services.

How to Keep Your Identity Safe Online
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Here are some rules for handling your digital security.

How Much Can I Contribute To My SEP IRA?
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The calculations for this are a little strange. Here is the formula and two examples of how it works to help you.

Which Retirement Account Should I Fund?
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Which account you should fund depends on your circumstances, but here are some general guidelines you can follow to make your decision.

Which Emerging Markets ETF Should I Buy: VWO or EEM?
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They are based on different indexes and have different expense ratios.

How Much Umbrella Insurance Do I Need?
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Umbrella insurance covers you for liability that goes above and beyond your auto and homeowners insurance.

Radio: Universal School Choice in Nevada
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David John Marotta was recently interviewed on radio 1070 WINA’s Schilling Show discussing Nevada’s universal school choice.

How Frequently Do New S&P 500 Highs Stick?
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Every time the S&P 500 hits new highs everyone wonders if these new highs will stick.

Education Improvement Scholarship Tax Credits
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Virginia taxpayers can give generously and offset the cost of those gifts through tax credits and the avoidance of capital gains taxes.

Mailbag: What’s Better At Predicting Future Returns Than Morningstar Stars?
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How often did it pay to heed the star rating? Most of the time, with a few exceptions. Is there a better method to use?

How to Convert Taxable Savings Into Your Roth IRA
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Most tax professionals don’t think of such tax planning opportunities, because they have to focus on complying with tax accounting regulations.

Mailbag: What Happened To The Markets In 2008?
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You shouldn’t invest in what you don’t understand.

Do The Opposite of Wall Street Consensus?
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Contrarian indicators have paid off historically.

How to Save for Large Fast-Approaching Expenses
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The average married couple has dreams of multiple children, annual vacations, and homeownership, but planning for these expenses can be challenging.

Mailbag: Are Energy Funds A Good Buy?
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The connection between the price of oil and the price of oil companies is loose.

Second Quarter and Year-to-Date Returns for Our 6 Asset Classes
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Despite the headlines, the global equity markets posted gains last quarter and for the year.

The Behavior Gap: Finding Your Financial Balance
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Planning for your financial future is largely a question of dealing with the constant tension between living for today and saving for some future event.

How to Take Advantage of Student Loan Forgiveness
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You might think that you can’t qualify, but many well-paid families are eligible.

Mailbag: What Does The Shanghai Composite Being Down 32.1% Mean?
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Is it a crash or just a correction? On average, the drop from peak to trough takes 85 days and the markets have recovered after another 107 days.

How Quickly Should I Pay My Student Loans?
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For those who do not want to be investors, a fast-track repayment may be best. But for those willing to save and invest, there is a better option.

What Should I Do When They Close The New York Stock Exchange?
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Is there something I need to do today or tomorrow?

Only 20% of Advisors Avoid Active Management Strategies
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The majority of advisors make the mistake of having significant or moderate use of actively managed funds.

How to Intentionally Realize Capital Gains
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Careful tax planning can avoid much of the capital gains tax.

The Markets Are Inherently Volatile
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Most investors don’t understand what that means.

The Complete Guide to Automating Your Savings
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After automating your entire investment plan, you can save and invest without even having to watch.

Marotta’s 2015 Vanguard Gone-Fishing Portfolio Calculator
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If you are using Vanguard, we have created a gone fishing portfolio using only low-cost Vanguard mutual funds to help save money on transaction costs.

What Is The Relationship Between Turnover Rate and Returns?
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A high turnover rate is not something you want in a stock fund.

What To Do When The Stock Market Drops 1800 Points
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What should you do before a market correction? What about after? The answer is the same.

How to Select Securities
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Your investment strategy is critically important but the implementation requires wise fund selection.

Radio: Knowing When to Realize Capital Gains
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David Marotta was interviewed on the radio discussing how to figure out know when to realize capital gains and how much to realize when you do.

What Is The Correlation Of Freedom Investing?
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Should we have a “Free Countries Asset Class” or a “Foreign Stock Asset Class?”

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