Our Answers to Paladin Registry’s 27-Question Interview
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Regardless of the usefulness of their questions or their website, I enjoy answering every set of advisor questions I find.

Can a College Drop-Out Reimburse for Expenses Out of a 529 Plan?
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Hopefully this simple guide helps you get started in the right direction for correcting these surprise excess distributions.

Vote Early Instead of Voting Absentee (Virginia)
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Voting early has the same process as voting in-person.

Q&A: Can a 529 Reimburse for Last Year’s Expenses?
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Unfortunately, neither “yes” nor “no” is a correct answer to this question.

#TBT Diversify and Rebalance More Than Just Your Investments
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During this season of uncertainty, this 2018 article reminds us that diversification and rebalancing in our non-financial portfolios can help as well.

How to Save for Retirement When You Are Old And Broke
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No matter how small your savings or when you start accumulating them, those small changes have large effects over time.

Where to Find Paperless Shareholder Materials on Schwab.com
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The best way to find old shareholder materials is to search your own email inbox.

Before the Estate Tax Exclusion Sunsets in 2026
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Individuals with more than $5M may be served well from gifting to utilize the higher estate exclusions before they sunset.

How to Transfer 529 Funds From One Family Member To Another
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You can transfer up or across the family tree. However, if you want to transfer down a family tree, you can run into taxation problems.

Socially Responsible Consumption Instead Of Socially Responsible Investing
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Even if you are just a tiny piece of the puzzle, all the pieces are essential.

Marotta Family Saying: Be a Bad Poet
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The phrase “bad poet” reminds me of that day when I was in elementary school. It is a lesson for each of us, regardless of our income level.

#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.

Four Reasons to Rebalance
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In these ways, rebalancing can be of great value to a long-term investor’s portfolio.

The S&P 500 Recovered Today from the 2020 COVID Bear Market
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Those who flat-lined to cash or who waited to invest their cash until the markets looked better missed out on the recovery.

How to Change Your IRA Beneficiary Designations After the SECURE Act
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Now non-nuclear family or friends who are more than 10 years younger than the decedent and in good health are never eligible for stretch provisions and must distribute the whole balance over 10 years.

A Surprising Lesson from the COVID Quarantine
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Yes, we are merely human, but our ideas and our analysis are powerful.

Who Should Own My Child’s 529 Account to Assist the FAFSA?
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With the grandparents as the owner rather than the parent, the student may have a better chance of receiving financial aid.

Can I Deduct a 529 Contribution to an Account I Don’t Own?
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Unfortunately, the answer is that you cannot. The 529 account owner receives any state tax deductions for contributions make to their account.

We Added 2 New U.S. Stock Sectors to Our Allocations
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We decided to add two new sectors after generating several hundred efficient frontier graphs of various United States classifications, industries, and sectors over a variety of time periods.

How to Claim Your Virginia State Tax 529 Contribution Deduction
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Form ADJ of the 760 lines 8a – 8c are where you report miscellaneous deductions.

Risk-Return Analysis of Freedom Investing
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In this article, I am reviewing the quantitative measurements and performance metrics of Freedom Investing to see how its risk and return compare to the EAFE Index, its benchmark.

How to Designate Your Donor Advised Fund as a Beneficiary of Your IRA
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You may or may not want to leave anything to your favorite charity. However, if you do, there are often advantages to using a Donor Advised Fund over designating the charity directly.

Virginia 529: What Counts as a Unique Account for Per-Account Deductions?
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Oddly enough, what qualifies something as a unique account is both a unique account registration and investment portfolio selection.

How to Add, Edit, or Remove a Trusted Contact at Schwab
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This designation gives both Schwab and your financial advisor the permission to contact the named individual if either of us were ever concerned that you or your finances were being taken advantage of.

Impact Investing Could Do the Opposite of Its Intentions
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If a morally questionable idea is a valuable money maker, then your avoidance of that fund will only give more wealth to those whose conscience is clear investing in it.

#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.

Six Reasons to Sell for a Loss
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Even though a holding has gone down, there can be several advantages to selling it anyway. Here are six reasons you may want to sell for a loss.

Account Balance vs. Time-Weighted Return
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In market downturns, often the newest investor reports recovering the fastest due to a simple reporting error.

Hong Kong Still Has a Place in Freedom Investing
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Hong Kong has always been an anomaly: a tiny, extremely free country with an expiration date in 2047.

The Best Way to Fund a Charles Schwab Account
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After you have opened your account, there are many methods of contributing to or funding your Charles Schwab account. The best and easiest four methodologies are as follows.

Before August 31: Another Chance to Redistribute Your 2020 RMD
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This latest notice now gives both seniors and heirs who have not yet been able to put their formerly RMD funds back into their IRAs the chance of redistributing those funds to the IRA that distributed them.

More Freedom Investing Added to Marotta’s Schwab IIP Asset Allocation (June 2020)
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As a result of new fund additions, we added five new country-specific funds to our Schwab Institutional Intelligent Portfolio asset allocations.

Can the Misery Index Predict a Second Drop?
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There are many possible futures which could produce any number of outcomes that would be normal market volatility.

A 25-Year Review of Freedom Investing
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These findings together demonstrate how Economic Freedom seems to have been a valid factor for higher expected returns than investing in the EAFE Index alone.

This Month, We Leveled Our Small Cap Value Allocation (June 2020)
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As we are still in the midst of COVID-19 quarantines, we will have to wait to see what continuing or lifting restrictions actually does to companies, their expected earnings, and their market pricing.

#TBT Can I Contribute to Both a SEP and a 401(k)?
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The IRS very clearly says, “Yes, you can set up a SEP for your self-employed business even if you participate in your employer’s retirement plan at a second job.”

How to Spend: Waste Nothing
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The presumption that there is always more fun to be had has a two-fold positive effect on my life.

How to Open an Account Using Schwab.com
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If you want to open a Scwhab account to be hand-traded by Marotta, then one option for opening that account is to use Schwab.com’s online account open.

Our Answers to Form CRS Conversation Starter Questions
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As part of the requirements, the SEC wrote passages which must be included verbatim in each relationship summary. Some of that required text are so-called conversation starter questions.

#TBT Remembering June 5, 2013
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There is an illusion that the executive branch will handle the collection of all our data with respect and care. I hope that current times can shatter that illusion for you.

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!

How to Transfer Your Economic Impact Payment Card Into Your Bank Account
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It took me one hour to complete from start to finish. Hopefully, now that I have bumbled my way through it on my own and documented the steps, it takes you less time.

#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.

Do Children Need To File A Tax Return To Fund Their Roth IRA? (2020)
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Don’t let stress about tax filing requirements keep you or your child from a powerful opportunity to provide for their future.

Yet Another Chance to Redistribute Your 2020 RMD
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Hopefully, this extension helps some take advantage of this welcome relief.

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.

This May 2020, Our Dynamic Tilt Tilted Away from Energy
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For many whose Energy sector has experienced large losses, lowering your sector allocation might effectively mean holding onto the shares that you currently own without adding more.

Q&A: How Do I Calculate My Withdrawal Rate for My Stability Allocation?
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Each of us either has a withdrawal rate or a savings rate, as we are each either contributing to or withdrawing from our invested accounts.

Q&A: Can You Fund a Roth IRA After Filing Your Taxes?
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You always have until the tax filing deadline to make your IRA contributions regardless of when you file.

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