#TBT Marotta’s Frequently Asked Questions
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When interviewing a new financial advisor, we believe there are at least ten important questions to ask. Then, just to be safe, we answered 32 frequently asked questions and welcome more.

New Parent Financial Checklist
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To help you get a good financial start as parents, here’s a financial checklist for new parents.

Unpacking Publication 590B’s Justin Example
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In Publication 590B, the IRS gives an example to demonstrate how Roth distribution ordering works.

New Child Tax Credit for 2021 Only
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The 2021 tax credit is worth $3,600 for children under age 6 and $3,000 for those under age 18. These rules apply to tax year 2021 only.

Unpacking Publication 590B’s Ishmael Example
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In Publication 590B, the IRS gives an example to demonstrate how Roth contribution basis works in a Roth IRA.

Life Lesson #3: Avoid A Lifestyle of Unconscious Spending and Conscious Saving
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Automate your savings. Take manual control of your spending. This is the path to wealth.

NAP Credit Charity Spotlight: The Soho Center
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Soho is my Amazon Smile charity recipient, I donate to them generously from my charity budget, and the NAP credits they offer are my favorite way to pay my state taxes.

Baby Registry Guide from a Financial Planner
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There are many questions that first time moms ask their veteran friends. Among the top list is, what do you really need to care for a baby?

Save the 1099-R from Your Roth Rollovers
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It is easiest to simply save your 1099-R and its numbers with your record of all your Roth IRA contributions.

How to Set Beneficiaries on Your HSA with HSA Bank
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When an HSA is left to a non-spouse, the account stops being an HSA.

Keep Track of Your Roth Contributions
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Going forward, keep track of all your contributions in a file alongside where you store your tax returns.

Updates to Our Bond Allocation (April 2021)
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Recently, we lowered the duration of our U.S. Bond portfolio and increased the amount which is inflation protected. This article explains the reasons for this change.

Freedom Investing in Review (March 2021)
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While many have been following the domestic returns and recovery, fewer investors know how well foreign investments did this past year.

Video: The Value of Systematic Roth Conversions
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In this talk, David demonstrates how Roth conversions can be extremely valuable even if a client is always in the same tax bracket.

How to Implement The Automatic Millionaire Technique at Schwab
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By decoupling your standard of living from the size of your income, you have taken the first step toward financial freedom.

Life Lesson #2: You Are An Adult Now
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Graduate yourself from a childish mindset to that of an adult.

An Overview of Our Allocation Changes (March 2021)
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We are constantly reviewing our portfolios’ asset allocations in order to bring them more in line with our Investment Committee’s best practices. Here is a summary of our recent changes.

2021 Index of Economic Freedom: Taiwan
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This means that in addition to the overall Emerging Market funds, we will have country-specific Emerging Market allocations to both Taiwan and Chile.

2021 Index of Economic Freedom: Hong Kong
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No one knows what the future holds for Hong Kong, but we needed to make a decision on whether it has a place in our Freedom Investing.

Funding a 4-Year-Old’s Roth IRA
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My favorite part of my daughter’s Roth IRA is that she has earned it all. I have seen her work hard, learn valuable lessons, and truly earn her wage.

Raising the Minimum Wage Hurts The Most Disadvantaged
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We need to go beyond good intentions. The underprivileged among us deserve good results.

Life Lesson #1: You Shouldn’t Need Saving
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No limp arms. Keep your hands up. Budget for emergencies.

How Should I Vote My Shares?
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You are not obligated to vote just because you own shares.

The Case for Investing in Foreign Health Care
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When reviewing our Foreign allocations, we discovered that the foreign Health Care sector has shown high risk-adjusted performance.

The Market Isn’t Made Up. It Is Made.
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The value of a stock is simply what people are willing to pay for it.

2021 Performance Report for Marotta’s Gone-Fishing Portfolios (2012-2020)
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Our Gone-Fishing Portfolios are free to use portfolios that take advantage of the no-transaction-fee, low-cost ETFs or mutual funds of each major custodian. Over the years, we’ve changed the funds and the allocations as new research or securities reveal improvements.

An Overview of Marotta’s 2021 Gone-Fishing Portfolios
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A gone-fishing portfolio is a portfolio of just a few stocks which should weather the ups and downs of the market fairly well while only rebalancing twice a year.

We Added Individual Stocks to Our Foreign Allocations (January 2021)
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We believe these 26 companies will be an effective weight to add foreign healthcare to our portfolios.

2020 in Review
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Looking closer into each asset class, here’s how our top six asset classes performed between January 1 and December 31, 2020.

A Financial Planner’s Review of Instacart Grocery Pick-Up
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After trying Instacart again a handful of times, I finally decided that in-person shopping was cheaper and more effective for my family.

The Complete Guide to Funding a Custodial Roth IRA
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Here you can find our article series detailing how and why you should fund a custodial Roth IRA for your children.

Account Funding Priorities for 2021
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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.

Two Charitable Tax Savings for Spontaneous Donors
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Utilizing tax-smart spontaneous giving only requires the smallest amount of planning ahead.

Q&A: What are the Tax Rates for an Inherited IRA?
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The short answer is that most taxable distributions from inherited IRAs are taxed at the the child / beneficiary’s income tax rate. The longer answer is that there are multiple chances for inheritance to be taxed.

How Do You Report Withdrawals from Roth Contribution Basis?
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To take advantage of tax-free penalty-free Roth withdrawals of contribution basis, you need to keep careful records of your Roth contributions.

Q&A: Can I Fund My HSA with Appreciated Stock?
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Sadly, the IRS is very clear about this; contributions must be cash.

#BestOf2020 Should I Pull Out of the Stock Market Now?
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A timeless question with a consistent answer, this article helps you determine if your asset allocation is appropriate enough that you should continue to stay the course.

SRI Equivocates on The Word ‘Invest’
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Instead of changing your investment strategy, you should focus on changing your spending habits and charitable giving to help further the social good you want in the world.

Do I Want To Give My Financial Advisor Discretion on My Account?
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Having a financial advisor who has discretion over your accounts is only a good idea if your financial advisor is covered under the fiduciary duty and is fee-only.

#BestOf2020 Who Pays Taxes and Penalties on 529 Distributions and How?
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Step by step, this article shows how you can determine what taxes and penalties are owed on non-qualified distributions.

Q&A: How Much K-12 Tuition Can I Reimburse from 529 Plan?
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By flowing money through a 529 account, a Virginia tax payer could receive a $575 discount on their private school tuition.

Q&A: Should I Be My Brother’s Power of Attorney?
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Interestingly, being a fiduciary though is not a job description as much as it is descriptive of the kind of job that you do.

How to Avoid an IRMAA Medicare Premium Surcharge 2021
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Depending on your particular case and Social Security agent, you may get your surcharge waived, lowered, or upheld.

Q&A: If I Close My Oldest Roth IRA, Do I Change My 5-Year Clock?
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Fortunately, closing a specific account doesn’t reset your Roth clock.

How to Turn Monthly Returns Into an Average Annual Return in Excel
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There are three clear options: future value schedule, a product array, or a large table.

How to View Realized Capital Gains and Losses on Schwab.com
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Sometimes you may want to check in on your current running total of net capital gains during the current tax year. Luckily, there is a page on Schwab Alliance which shows you just that.

We Added a Sector Tilt to our Foreign Dynamic Tilt (November 2020)
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We hope this small increased exposure to foreign healthcare will help capture some of the efficiencies we believe to have found.

The Haunting of Bob Cratchit: An Interview with Brendon Marotta
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A new book by David John Marotta and Brendon Marotta makes you rethink what is happening in Charles Dickens’ A Christmas Carol.

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.

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