David John Marotta

President, CFP®, AIF®, AAMS™

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Radio: Best Practices For Using Credit Cards
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On Tuesday, April 11, 2023, David John Marotta appeared on Radio 1070 WINA’s Schilling Show with Rob Schilling to talk about best practices for using credit cards.

Radio: The Debt Ceiling (2023)
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On Tuesday, January 10, 2023, David John Marotta appeared on Radio 1070 WINA’s Schilling Show with Rob Schilling to talk about the current debt ceiling discussions.

The Best Way to Plan for Inflation is to Discount It
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By discounting portfolio returns to only real returns, we have already considered inflation in the planning targets.

Megan Russell

Chief Operating Officer, CFP®, APMA®

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#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.

Access $1,500 Per Child for K-12 Students in Virginia
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These grants are called “K-12 Learning Acceleration Grants” and must be used to pay for “qualifying education services.”

Federal Debt Burden May Settle 2026 Tax Uncertainty
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I have difficultly imagining a likely outcome where I would regret a Roth conversion.

Libby Horbaly

Wealth Manager, CFP®

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#TBT How to Handle Your Paycheck Like a Boss
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This throwback to Libby’s first article at Marotta teaches us how to be prepared for life’s expenses and plan ahead for all future goals.

#TBT Account Protection at Schwab
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Charles Schwab offers both SIPC® account protection and a FDIC insurance amount for accounts custodied with them.

#TBT Where to Find Statements and Tax Documents on Schwab.com
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Following this guide, you should be able to easily download any account documents you want.

How to Implement a New Investment Plan
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Next time you are wondering if you should invest now or “wait for a better time,” remember Schwab’s study and invest now in whatever way makes you invest now.

#TBT The Benefits of Saving and Investing Early
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This 2014 article reminds us: don’t wait until you “have more” or “make extra money” – start saving now! It is worth more.

2023 Tax Facts
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Here is a reference chart with 2023 income tax rates, capital gains rates, retirement contribution limits, and more.

How to Open a Fidelity HSA and Transfer HSA Bank Assets
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Going forward, the Fidelity HSA® is my primary recommendation for an HSA custodian.

The IRS Waives 2021 & 2022 Penalties Because Its Unclear How the New Inherited IRA 10-Year Rule Works
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In 2019, the SECURE Act changed how inherited RMD rules work. After many IRS notices, we now aren’t sure how the new rules work.

#TBT Three Strategies to Avoid Private Mortgage Insurance
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Avoiding PMI, if possible, is better for your long-term finances. Here are three strategies to avoid PMI.

Elizabeth Brew

Financial Analyst, CFP®

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#TBT Can I Use 529 Funds for Off-Campus Housing?
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Yes, but housing is one of many expenses that are subject to a reimbursement limit. Here’s how to do it.

Two Ways to Fix Social Security Filing Mistakes
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If you are still in your 60s, the good news is your decision doesn’t have to be permanent. You actually have two ways in which you can change your benefit amount.

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.

Beth Nedelisky

Wealth Manager, CFA, CFP®

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ABLE Accounts: Tax-Advantaged Savings for People with Disabilities
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ABLE accounts offer people with disabilities a new opportunity to save and invest for the future.

#TBT Best Practices for Trusts, Foundations, and Endowments
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“If you have been asked to serve as a board member or trustee for a non-profit organization, feeling honored is a natural response but a terrible reason for saying yes to the job. Your role as committee member, board member, or trustee will likely designate you as a fiduciary, a role with specific legal responsibilities.”

#TBT Common Endowment Mistakes
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When endowment funds fall victim to poor management, the results are as bad as they are far reaching. This 2016 article reviews the six most common pitfalls of endowments and how to avoid them.

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