Video: Roth Segregation Part 1: IRA Tax Law
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A complex technique called “Roth segregation accounts” could earn your investments an extra 30% over the next two years.

Roth Segregation Accounts
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A complex technique called “Roth segregation accounts” could earn your investments an extra 30% over the next two years.

Video: Roth Segregations
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A complex technique called “Roth segregation accounts” could earn your investments an extra 30% over the next two years.

Video: Roth Segregation Part 2: Implementation
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A complex technique called “Roth segregation accounts” could earn your investments an extra 30% over the next two years.

Getting Started With Investing
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There isn’t a better time to invest than today. Getting started can be intimidating, but these simple steps will help you through your first few years of investing.

Video: Getting Started with Investing
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There isn’t a better time to invest than today. Getting started can be intimidating, but these simple steps will help you through your first few years of investing.

Radio: Congressional Earmarks
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David Marotta discusses the politics of congressional earmarks.

Social Security 6: The 70-66 Strategy
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Future earnings and the potential for Roth IRA conversions should be part of your plan.

Social Security 5: File and Suspend for Soon-to-Be Widowed Homemakers
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Healthy spouses with little earnings should encourage their partners to delay filing.

Social Security 4: File, Repay and Refile to Get an Interest-Free Loan
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Filing early and then repaying is the least dangerous for those who are single or for a husband and wife whose benefits are roughly equal.

Social Security 3: Delay Filing for Younger Wives and Homemakers
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Dying young never jeopardizes a retirement plan financially.

Social Security 1: Planning Is Crucial
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Your filing option choices may be worth $250,000 of income or more.

Government-Provided Economic Security Is an Illusion
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The various congressional bailouts have been touted as essential to the nation’s economic security. So long as the notion of economic security remains vague and abstract, it has wide support. But anyone who examines the details should realize this so-called security threatens our freedom and stability.

Safeguard #6: Recognize And Avoid Financial Hooks
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To safeguard your money, you must be able to extricate yourself from any bad investment quickly. Of course, the companies that sell mistakes don’t want you to be able to do that, so they use financial hooks to hold your money captive.

Safeguard #5: Understand Your Investment Strategy
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You have a critical part to play in financial planning. Certain responsibilities cannot be delegated to others.

Safeguard #4: Buy Investments That Trend Upward
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Crazy volatile markets push people toward irrational investment schemes. Know how to avoid them in order to safeguard your money.

Video: Seven Financial Vows for Marital Bliss
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An overwhelming number of failed marriages cite financial troubles as a major factor in their breakup. This is no surprise because the way we use our time and money reflects our values. Without a strong set of shared values, marriages drift apart. But, dealing with finances together can bring a couple closer. Here are seven principles of how you can build wealth and your marriage.

Safeguard #3: Insist on Publicly Priced and Traded Investments
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One important safeguard is to insist on investing only in liquid assets. Investors undervalue liquidity 99.9% of the time. You need to be in the other 0.1%.

Safeguard #2: Walk Away from “Too Good to Be True”
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There are several investment safeguards you should insist on. One is to avoid any investment opportunity that sounds too good to be true.

Safeguard #1: Do Not Allow Your Advisor to Have Custody of Your Investments
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I was recently asked if investors should trust their financial advisors. And my short answer, you may be surprised to hear, was no. Your financial advisor should not also have custody of your investments.

Financial Resolutions for the New Year – 2009
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Every year many of us make New Year’s resolutions and then can’t follow through because we claim we’re too busy.

A Christmas Sermon
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Christians celebrate the birth of Jesus on Christmas Day. But for too many of us, it’s the season that unravels the careful financial planning of the previous 11 months. So this year, instead of trading your financial goals for a mountain of gifts and debt, take a moment to contemplate how a spiritual perspective can help you put your wealth in perspective.

Financial Time Perspective
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Philip Zimbardo’s latest book, “The Time Paradox” suggests that understanding your own time perspective may help you unlock the secrets of financial freedom. In other words, how we think determines who we are and what we do.

Radio: Financial Time Perspective
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David Marotta discusses how our time perspective influences our lives.

Owners of Second Homes: Beware of New Tax Laws
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A shortage of people are buying real estate and we’ve passed a one-per-customer tax incentive law.

When Will The Markets Stop Dropping?
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There is always a day of reckoning when people use debt to leverage their investments.

Dropping the Baton in Estate Titling
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How you “title” the property you own is a lot more important than you might think. Failure to title your assets properly could undo the best will and trust planning that money can buy.

Marotta Advisors Join NAPFA Bus In Richmond, Virginia
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Fee-Only financial advisors will be in cities across the country to conduct free advice events.

Keep Christmas Your Own Way
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This year, give your family the gift of financial peace of mind. Celebrate the season simply.

Radio: Keeping Christmas Your Own Way
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David Marotta discusses celebrating Christmas.

Give Generously During Hard Times
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For charity to be a virtue, it must be freely given from your own resources.

The Assault on Free Markets
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Free markets are under assault in America. We have seen much hyperbole and slander in these past two years of political polarization. But the idea of capitalism and free markets has received more negative campaigning and vicious attack than both candidates combined.

Avoiding Another Lost Decade
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But if you were invested in a balanced portfolio, you did not lose this past decade.

Part 2: Privatization Could Fix Social Security
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Privatization eliminates benefits for those who can do better with 5% of their payroll taxes than the government does with the entire 12.4%.

Part 1: Social Security Is Still Broken
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All this toil to maintain an average benefit of about $12,000 a year!

Radio: The Impending Social Security Disaster
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David Marotta discusses how Social Security could offer more benefit for less cost.

The Seven Steps of Financial Preparedness
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When a hurricane threatens, making a plan and gearing up for emergencies is imperative. Economic emergencies happen too, but it may be less obvious how to prepare. Here are seven steps you should take to weather any financial storm.

Our Financial Crisis: The Result of Centralized Planning
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Regulation and centralized planning have caused financial instability and failing institutions. If this is the root cause, then many of the proposed solutions will only make matters worse.

Eastern Europe and Turkey: BRIC Wannabes
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Eastern European countries have been struggling out of the darkness of communist rule into the light of free markets.

BRIC Countries: China
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Free markets thrive when a country guarantees property rights and the rule of law. China possesses neither of these.

Radio: The Most Important Economic Political Issues
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David Marotta discusses how politics affect us.

BRIC Countries: A Passage to Indian Freedom
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“The fence itself grazed through the field.”

BRIC Countries: Russia
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Russia never really tried free markets. Rated at just below 50% free, Russia is considered repressed.

BRIC Countries: Brazil
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One area where Brazil has excelled is making headway toward energy independence.

Radio: Planning for College
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David Marotta discusses financial planning for a college education.

Behavioral Finance: Patience Is Its Own Reward
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To process financial information, our minds often attempt unwise shortcuts. By understanding behavioral finance, we can limit the information we use and keep our decisions balanced and on track.

Radio: Countries with Economic Freedom
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The benefits of investing in the countries with the most economic freedom.

Behavioral Finance: Herd Mentality
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One of the early studies on herd mentality was the Solomon Asch experiments in the 1950s. The setup was a mock vision test. In reality, all but one of the participants were actors, who after a few correct answers started agreeing unanimously on a wrong choice.

Behavioral Finance: Overconfidence
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Think of confidence as a continuum: Lack of confidence is paralyzing, self-confidence is good, but overconfidence is deadly. Successful investors seek to find a balance between rashness and timidity. Understanding the psychology that causes us to act overconfidently will help you avoid it.

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