#TBT Tax Table and Tax Computation Worksheet
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The strangest fluke of the tax return is that the actual calculation of how much base tax you owe does not have a form; it has this worksheet.

#TBT Qualified Dividends and Capital Gains Worksheet
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The 25 lines are so simplified, they end up being difficult to follow what exactly they do. So, for those of you who are curious, here’s what they do.

Do Large Roth Conversions Require Backdoor Roth Contributions? (2021)
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Luckily for Roth lovers like us, you don’t have to choose between Roth conversions or Roth contributions.

Can a Grandparent Employ Their Grandchild?
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While navigating the rules may be trickier, your child can still enjoy easy domestic employment even when someone else is the employer.

#TBT Do I Need to Pay Tax on This 1099-R?
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The given numbers on a 1099-R are insufficient to be able to fill out your tax return correctly. Knowledge of what was actually done is required in order to file your taxes accurately.

Q&A: What One-Fund Could a Twenty-Something Invest In?
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Any of these ETFs or mutual funds seem like they could be a good one-fund pick for the long haul.

How to Update Your Contact Information at Schwab
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You can easily update your contact information online through Schwab Alliance.

Changes to Our Technology, Mid Cap, & Small Cap Allocations (February 2022)
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A Technology correction may not happen, but moving more into Mid and Small Cap Value may help allocations even if it doesn’t.

U.S. Investing in Review (December 2021)
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We anticipated Consumer Staples to have a lower expected return but a larger risk-adjusted return and we expected Biotechnology to have very volatile returns with lower correlations to the other sectors. Both of those things happened in 2021.

Few Spaces Left in Marotta’s Online Class (Thursdays in March 2022)
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The class will be held virtually on Zoom each Thursday from noon to 1:00 PM EST between March 10 and March 31, 2022.

Is a SEP-IRA or Solo-401(k) Better?
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A SEP-IRA can be opened any time before you file your tax return and you can make prior-year contributions at that time. In contrast, a solo-401(k) must be opened and contributed to before the year end to count for that tax year.

#TBT How to Report a Backdoor Roth or Nondeductible Contribution on Your Tax Return
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This 2020 article is for tax preparers of the world. If you did a backdoor Roth this year, send it to yours.

Am I Limited to Only One Roth Conversion Per Year?
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Most people are able to do direct rollovers from a traditional IRA to a Roth IRA. In this way, most people can do any number of Roth conversions in one twelve-month period.

#TBT No One Tells the IRS You Did a QCD Except You
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Be sure to remember to tell your tax preparer that you did a QCD.

Enroll in Marotta’s Online Live Class (OLLI 2022)
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The class will be held March 10 through March 31, 2022 each Thursday from noon to 1:30 PM on Zoom.

#BestOf2021 The Value of Systematic Roth Conversions
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Why do people do Roth conversions? Should I? This timeless article and video answers all your questions.

#TBT Roth Conversions are More Valuable During Bear Markets
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This 2020 article reminds us that if you ever sad about the size of your IRA balance, it might be a good time to convert to Roth.

Individual Foreign Health Care in Review (December 2021)
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An initial equal weight strategy of these 26 companies implemented on January 1, 2021 and held without further buys or sells through December 31, 2021 had a +8.64% advantage over the foreign healthcare benchmark.

#BestOf2021 Can Someone Else Gift to My Roth IRA?
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Many people think that Roth IRA contributions can only be from earned income. Those people are only half right.

Design Your 2022 Savings Waterfall (Podcast)
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In this podcast, I discuss my recent article “Account Funding Priorities for 2022” and describe a savings waterfall for 2022. The idea is when new money flows your way, which one of these buckets is it going to land in?

Setting Your Children Up for Financial Success (Podcast)
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On the podcast, I share my experiences from my own parenting and how we can set ourselves and our children up for financial success.

Freedom Investing in Review (December 2021)
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This quarter, we saw that in 1-year returns ending December 31, 2021, Developed Freedom Investing had a -0.12% disadvantage, Emerging Market Freedom Investing had a +1.27% advantage, and Overall Freedom Investing had a +0.21% advantage.

#BestOf2021 What are the Tax Rates for an Inherited IRA?
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The tax code is confusing. Are inherited IRAs taxed at estate rates? As income? At all? This article answers.

An Updated RMD Calculator (New Divisors for 2022)
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There are different tables and formulas used to calculate your RMD divisor based on your particular circumstances. Here is a calculator for the three most common.

How to Spend: Be Quick to Return
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Look at new items with a side eye and think, “Do I really want you here?”

Introduction to Freedom Investing (Podcast)
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On Friday, November 5, 2021, Megan Russell was interviewed by Michael Morton of Financial Planning for Entrepreneurs podcast to discuss Freedom Investing.

How to Avoid an IRMAA Medicare Premium Surcharge 2022
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To avoid getting issued an IRMAA, you can proactively tell the SSA of any changes your income has seen in the past two years using a “Medicare Income-Related Monthly Adjustment Amount – Life-Changing Event” form.

Gift Ideas for 4-Year-Olds
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As the proud mother of a now five-year-old daughter, I thought I’d record some of my and my firstborn’s favorite things from this past year as helpful ideas for gifts from grandparents.

#TBT Five Ways to Thrift Your Empty Gearharts Chocolates Box
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Hopefully, some of these ideas inspire you to reuse various treasures you didn’t know you had.

Account Funding Priorities for 2022
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Which account you should fund depends on your circumstances. However, there are some general guidelines you can follow to make your decision.

2022 Contribution Limits
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Even though it doesn’t feel like it sometimes, contribution limits are indexed to inflation.

#TBT The Haunting of Bob Cratchit: A Book from David Marotta
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Did you know David wrote a Christmas novel? This 2020 book by David John Marotta and Brendon Marotta makes you rethink what is happening in Charles Dickens’ A Christmas Carol.

Can Taxable Life Insurance Benefits Contribute to an IRA?
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If you have this fringe employer or former employer benefit, I hope you are able to take advantage of making small Roth IRA contributions throughout your retirement.

Q&A: How Do I Inherit a Relative’s 401(k) plan?
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“I’m 19 years old. How do I inherit a 401(k) from my aunt?”

#TBT How Not to Go Broke at Thanksgiving
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As the season of holiday shopping approaches, this 2018 article reminds us, “Before you throw your money at various companies, squirrel some savings away for your future self.”

Q&A: Can I Leave Money to a 529 in My Estate?
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Can I leave money directly to those 529 plans in my estate plan?

How to Calculate Your Possible Health Insurance Subsidies
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If you are already shopping for health insurance for 2022, consider getting an on-exchange health insurance plan. You may be surprised at how much subsidies you can receive.

#TBT How to Spend: Add It To Your Wishlist
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A wishlist is a force of thrift both for you to defer your consumption and for your family and friends to ensure that all the value of their gift makes it to your heart.

How the Wealthy Can Take Advantage of Health Insurance Subsidies in 2022
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If you are currently shopping for health insurance for 2022, consider getting an on-exchange health insurance plan. You may be surprised at how much subsidies you can receive.

How To Use a Marotta Capital Gains Tax Hurdle Report
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These complex formulas help decide when highly appreciated investments should be sold and the proceeds put in a different investment philosophy.

How to Donate Appreciated Stock to Your Donor Advised Fund (Schwab Charitable)
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Once your Donor Advised Fund has been opened, Schwab Charitable has a very straightforward process for donating appreciated stock to charity.

Freedom Investing in Review (September 2021)
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This quarter, we saw that in 1-year returns ending September 30, 2021, Developed Freedom Investing had a +0.70% advantage, Emerging Market Freedom Investing had a +1.64% advantage, and Overall Freedom Investing had a +0.71% advantage.

The Role of a Roth IRA in Early Retirement
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There are several distribution rules that make Roth IRAs great savings tools for early retirees.

Founder’s Day: Celebrating George Marotta (Part 1)
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My grandfather turns 95 this year. He is one of my role models and favorite people. What a joy to celebrate him.

How To Spend: Avoid Impulse Purchases
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Stopping to think through questions like these will likely help you make smarter decisions with your spending.

All About Elias McQuade, CFA
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We are very pleased to announce that Elias McQuade is our newest CFA® charterholder at Marotta Wealth Management!

How Your Tax Is Calculated: Qualified Dividends and Capital Gains Worksheet
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The 25 lines of the Qualified Dividends and Capital Gain Tax Worksheet are so simplified, they end up being difficult to follow what exactly they do. So, for those of you who are curious, here’s what they do.

#TBT Appreciating Donor Advised Funds
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There are five ways that both you and the government could make charitable giving more significant.

Q&A: How Does Your Investment Strategy Work?
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I recently received the following paraphrased questions from a prospective client and here were my replies.

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