Q&A: Have You Ever Been Publicly Disciplined for Any Unlawful or Unethical Actions in Your Career?
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We believe following our eight principles to safeguard your money provides a better safeguard than checking for past violations.

Revisiting BRIC Countries 10 Years Later
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In 2003, the Goldman Sachs Global Economics Department predicted the economic and geopolitical influence of Brazil, Russia, India and China (the BRIC countries) would become increasingly visible in the developed world. We revisit those countries here.

The Real and Present Danger of Inflation, Even for Babies
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For investors who began working in 1970 and retired 45 years later in 2015, cash lost 83.83% of its purchasing power.

Q&A: Do Others Stand to Gain from the Financial Advice You Give Me?
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You deserve advice from a firm where you don’t have to second guess where their loyalties lie.

NAPFA Challenges the Securities and Exchange Commission
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I couldn’t be prouder to be a NAPFA-Registered Financial Advisor.

#TBT Don’t Eat Yourself Out of Financial Security
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As this 2003 post remind us, “The worst financial problems stem from trying to live a champagne and caviar lifestyle on a beer and chips budget” and it has a few common sense rules to uncommon cents savings.

Q&A: How Will I Pay for Your Financial Planning Services? How Much Do You Typically Charge?
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It is relatively easy for fee-only fiduciaries to answer the question “How much do you charge?” The only fee they collect is the fee that the client directly pays them.

Your Commission-Based Advisor May Not Even Know What Fees You Are Paying
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The majority of the industry many not even believe that there is a better way. But you deserve better.

Which Index Best Represents The Markets?
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Any decision to differ from the cap-weighted global default is a choice.

Q&A: Will You Be the Only Financial Planner Working with Me?
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At Marotta Wealth Management, we believe that a team collaborating on your behalf provides you with better service.

One Method To Estimate Future Inflation Expectations
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Predicting future inflation is difficult at best.

Fidelity Ends ‘Point In Time’ Fiduciary Service
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We find the practices of much of the financial services industry repulsive.

Q&A: What Types of Clients Do You Typically Work with?
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We believe that the basic principles of financial planning are the same no matter how many zeros you add.

Three-Year Freedom Investing Returns (June 2018)
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The bonus in returns of countries with freedom over and above the MSCI EAFE foreign index ranges from 1.28% to 1.91%.

PIIGS Have Returned To Simply PIGS
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In recognition of its efforts to reduce its debt and deficit and Ireland’s return to the “free” category of the economic freedom index, I think the letter I for Ireland should be removed from PIIGS and it should return once more to just PIGS.

Q&A: What is Your Approach to Financial Planning?
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If this is the approach you want for your financial planning, give us a call to get started today!

S&P 500 Fairly Valued At End Of June 2018
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US Large Cap is currently valued at the historical average again after taking into account the expected increase in corporate earnings.

Radio: Responsibility of Retirement Plan Sponsors
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If you run a retirement plan at your company, you are responsible to perform periodic reviews to ensure that the plan is the best it can be for participants

What Is Financial Planning?
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Given how few financial advisors have been through the education, certification, and experience require to obtain the CFP® mark, it is no wonder that so few so-called financial planners are actually providing comprehensive financial planning advice.

Asset Allocation Between The United States And The United Kingdom
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A blended portfolio has had a higher mean return than either fund by itself.

What Is Integrated Financial Planning?
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Wise decisions cannot be made in isolation from their impact on other areas of your financial life.

Marotta’s 2018 Fidelity Gone-Fishing Portfolio
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A gone-fishing portfolio using the no-transaction fee funds currently available at Fidelity.

Marotta’s 2018 Fidelity Gone-Fishing Portfolio Calculator
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We recommend this gone fishing portfolio for accounts hosted at Fidelity.

Q&A: What Are Your Qualifications?
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We require each Investment Committee member to have, at a minimum, the Certified Financial Planner™ (CFP®) or Chartered Financial Analyst ® (CFA) designation.

The Dow Jones Industrial Average
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Truly diversified portfolios don’t move in sync with the Dow.

Q&A: What Experience Do You Have?
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Marotta Wealth Management (originally Marotta Asset Management) was founded in 2000 by David John Marotta.

Retirement Plan Sponsors Have A Responsibility To Review Their Plans
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Failure to perform such periodic reviews is a litigatable fiduciary breach.

What Is A Personalized Financial Plan?
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You should work with a personalized financial planner, not an impersonal investment manager.

#TBT Fourteen Ways to Avoid Paying Capital Gains
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The capital gains tax is economically senseless. This 2014 post has fourteen of the loopholes the government’s gain tax unintentionally incentivizes.

By Age 35 You Really Should Have Saved Twice Your Salary
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It was our article which first suggested this six year ago.

Radio: Psychological Manipulation of Helicopter Government
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On June 5, 2018, David John Marotta and Megan Russell appeared on Radio 1070 WINA’s Schilling Show to remember June 5, 2013 and discuss our modern surveillance state.

#TBT How Much Umbrella Insurance Do I Need?
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This 2015 article reminds us of the benefits of umbrella insurance. We recommend $2 to $5 million of umbrella coverage for typical families with assets over $300,000.

Bond Basics
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Bonds are like the iron rods put in the bottom of sailing ships. They don’t make the ship go faster, but they do keep the ship from capsizing in stormy weather.

Your Investment Manager’s Politics Matter (Where Markets Fail Series)
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An investment manager who is “at times a soft socialist” like Voss will be more likely to engage in active management, market timing, and gambling on individual stocks.

#TBT Cash Has Been the Riskiest Investment
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This 2007 post reminds that because of inflation the value of cash trends down, encourages us to protect your portfolio against a falling dollar, and reveals an inconsistency with CPI calculations and actual inflation.

Even Obamacare’s Pros Turned Out to be Cons
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If these had been the original intentions of the legislation, we should have known that Obamacare would not be worth it.

#TBT Florence Mortlock
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This 2006 article shares the personal story of David Marotta’s maternal grandmother who lived to age 99 1/2.

Language Matters: Best Interest vs. Suitability-Plus
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Another free pass for the agents of brokers-dealers to dissembling under the guise of “Regulation Best Interest.”

Guide to Registered Investment Advisors in Charlottesville 2018
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We were surprised by our survey of the registered firms in the Charlottesville area.

Video: Tuning Out The Noise
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It is important to remaining disciplined during volatile markets.

#TBT Socially Responsible Investing
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“Better is having a financial advisor who gets to know you personally and manages your finances according to your specific values.”

One Day In The Life Of A Small Business Owner
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This letter came with a large bold “YOUR RESPONSE IS REQUIRED BY LAW” notice along with a 5 week deadline for compliance.

Radio: Why Regulation Does More Harm than Good
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It is commonplace for special interest groups to use lobbyists to gain control of their own industry’s regulation. This failure where interests group seizes control of a governmental power is called “regulatory capture.”

What Is A “Point In Time” Fiduciary?
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You should not trust a point in time fiduciary for even a single heart beat.

There Are No Deals “Too Good To Pass Up”
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There is no such thing as saving money buying something. You can go broke “saving money” this way.

The Value Matters in Stock Investing
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“Think of a stock as a machine that generates cash every few months.” Smaller companies that you have never heard of usually have a better return than the better known larger companies.

Black Monday Bear: The Bear Market of 1987
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This Bear market has one of the largest single day losses.

Centralized Planning Requires Omniscience
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The burden of mandatory government data collection should be opposed whenever possible.

Safe Withdrawal Rates, Asset Allocation, and the Importance of Staying Invested
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Our firm has become known for our method of computing maximum safe withdrawal rates in retirement. Our safe withdrawal rates are based on having what we believe to be optimum asset allocation targets.

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