SEC Still Allows ‘Advisor’ Confusion
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Avoid allowing the firm that has custody of your assets to also give you advice.

Radio: The Haunting of Bob Cratchit
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On Tuesday, December 15, 2020, David John Marotta appeared on Radio 1070 WINA’s Schilling Show to talk about his newly co-authored book, “The Haunting of Bob Cratchit.”

#TBT The Happy Habits of Appreciation and Gratitude
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This 2016 article reminds us that “there is a very simple place to start the process of changing our destiny: Each day notice the things that make you happy and try experiencing more of them.”

#TBT Keep Christmas Your Own Way
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In “A Christmas Carol,” Ebenezer Scrooge calls Christmas a “humbug” because of the foolish way people celebrate it. This 2008 article reminds us that it is sometimes wise to simplify Christmas.

The Haunting of Bob Cratchit: A New Book from David Marotta
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In the same night in which Ebenezer Scrooge is haunted, the spirits also visit Bob Cratchit.

#TBT Marotta on A Christmas Carol
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Charles Dickens’s A Christmas Carol is one of the best stories for talking about economics. This 2003 – 2012 series uses the classic tale to illustrate different financial personalities, principles, and philosophies.

How To Spend: Budget For Christmas
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We can gift our loved ones a powerful gift while maintaining a budget.

#TBT What Are Normal Market Movements?
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It is common for investors to be surprised by movements in their portfolios. This 2019 article reminds us though that even volatile movements can be quite normal.

#TBT Your Election Reactions May Impoverish Your Investment Gains
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Don’t let your political emotions impoverish your financial well-being.

Four Things You Can Do No Matter Who Wins
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Wealth management is in your control and there are actions you can take regardless of who wins today.

#TBT Don’t Let Politics Make You Afraid of Investing
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Election results should not change a well crafted investment strategy.

Before You Get Out Of The Stock Market, Read This
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When you get out of the markets, you have made a huge gamble with your retirement money, and now the stakes are high.

#TBT Are Democrats Or Republicans Better For The Stock Market?
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This 2017 article reminds us, “Stock market returns have little to do with which party holds the White House.”

A Market of Stocks Rather Than A Stock Market
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Individual sectors of the economy have reacted very differently to the pandemic.

How To Spend: Keep a Price Book
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Who can remember every purchase you made? But remembering is how to keep your purchases reasonable.

Avoid UBS Group As Your Financial Advisor
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Consumers often presume that an advisor associated with a large commission-based brokerage firm will have a team of managers supervising their advisor. This is a misconception.

How to Avoid Being Swindled By Elder Fraud
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As fiduciaries, we are on your side to ensure that your goals are met. Protecting you from elder fraud is just one of the many services we can offer as a part of comprehensive financial planning.

Social Security & Its 85th Birthday (2020)
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Every day, the government has the chance to free our children from this burden.

Surviving A Bear Attack in the Markets
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“No decent planner would ever create a plan that didn’t account for frequent market drops.”

No, We Do Not Need a National Retirement System
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Rekenthaler’s proposed narrowing of choices to a one-size fits all national solution provides a poor substitution for our current choices.

A Review of Finances at Age 60
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I’m turning 60 this week. Even though I plan on working as long as possible, this is an important check point.

#TBT Do Investors Deserve to Make Money?
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This 2013 article explores whether the person who sits idly by while their stocks increase their net worth deserves the money they make.

Merrill Lynch Is A Terrible Choice
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They admit that they do not rebalance, have been subject to lawsuits claiming they are predatory, and are held to a relaxed standard designed specifically for them.

What Is A Short Sell?
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In short selling, a bankrupt stock is the best thing that can happen, but the worst thing that can happen is that the stock price will rise.

Looking Backward on Socialism: Free College Education For All
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On Tuesday, February 11, 2020, David John Marotta appeared on Radio 1070 WINA’s Schilling Show to take a closer look at the calls for free college education in the socialist utopia.

Misuse Of The Term ‘Rebalance’
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That is not what anyone means by the term “rebalancing.” The misuse of the term on Investment News was glaring.

What About The Traditional 60/40 Portfolio?
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In our age-appropriate asset allocation models, we don’t recommend a 60/40 portfolio until you are between age 80 and 87.

Radio: How COVID-19 Changed Real Estate
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City real estate will be a little less expensive and suburbs and the countryside will be a little more expensive.

How to Self-Insure for Long-Term Care Health Expenses
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If you save this target, your assets have a better chance of seeing you all the way to the end.

Radio: David John Marotta On ‘Real Estate Matters’ with Michael Guthrie
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On November 16, 2019, David John Marotta appeared on “Real Estate Matters” with Michael Guthrie.

Stay Invested After Volatile Quarters
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This data shows that there is no historical justification for selling to cash during volatile market movements.

Comparison Charts Are Meaningless
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They vary in the slope, depth, and duration of the downturn.

#TBT How to Budget for Emergencies: Trip to Hospital
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This is the financial shock of a trip to hospital. It is upsetting, expensive, and unexpected.

The Inconsistency of Compliance is Demonstrated by SEC ADV Part 1: Item 8G(1) Soft Dollar Benefits
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Identical firms answer questions like these differently making the resulting data meaningless and useless. If anyone wants to use this data, the SEC will need to standardize answers first. If no one wants to use this data, we should eliminate the burden of providing it.

#TBT Give Generously During Hard Times
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This 2008 article has wisdom for our current downturn, “As a response to the recent market correction, you can enrich your life in three healthy ways: Cut back your spending, increase your savings, and give more generously to charities of your choice.”

Seven States Sue The SEC To Vacate Regulation ‘Best Interest’
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At stake is if the SEC is allowed to redefine what the phrase “best interest” means to make it mean something less than your actual real-world best interests.

Radio: A Discussion on Welfare Hypocrisy
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On Tuesday, May 12, 2020, David John Marotta appeared on Radio 1070 WINA’s Schilling Show with Rob Schilling to refute the hypocrisy of taking a tax credit while opposing the legislation.

Should I Change My Strategy During the Presidential Election Cycle?
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Should investors get out of the markets during an election year?

Should I Take Everything Out Because the Markets are Recovering?
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Dare to be dull. When you rebalance instead of following the crowd, you set yourself up for greater expected returns and are the definition of being a contrarian.

False Prophets Claim to Have Accurately Predicted Each Crisis
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Already the COVID-19 predictions have started to come in. Do not be deceived by them. Do not be afraid of them.

The Stock-Bond Shuffle of Asset Location
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Oddly, this technique might involve selling a bond position in the taxable account for a small capital gain, and buying that exact same position in an IRA in order to keep the portfolio in balance.

How To Spend: Purchase In Season
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When I was really young, I did not realize that food had a season. What a privilege of our modern era!

Did Gold Do Better Than The Markets? (2020)
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Gold is extremely volatile and still doesn’t do much more than vaguely keep up with inflation. You can do better.

#TBT The Delirious Happiness of Free Market Choice
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This 2015 article details one of the most brilliant breakthroughs in all of food science and how it relates to almost every aspect of life.

You Deserve More Than Investment Management and a Retirement Plan
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We strive to provide the necessary resources for anyone to prepare their own investment plan and meet their financial objectives for free on our blog, but we offer more services than that to our clients.

Energy Stocks Have Been Disappointing Recently (April 2020)
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Diversification means always having something to complain about. Recently, it has been energy.

Harry Dent Has Another Prediction; Should I Follow His Advice?
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We would suggest not listening to Dent’s commentary.

#TBT 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.

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