David John Marotta

President, CFP®, AIF®, AAMS®

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Radio: Raising the Minimum Wages Hurts the Already Disadvantaged
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On Tuesday, March 9, 2021, David John Marotta appeared on Radio 1070 WINA’s Schilling Show with Rob Schilling to talk about raising the minimum wage.

A Review of Fair Trade Efforts and Sweatshops
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Before you assume that moral licensing such as Fairtrade is the only ethical consumerism, think again. Understanding how such licensing works shows how little good it actually does.

#TBT How to Live on 24 Hours a Day
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A short quote from this 2004 inspiration, “Time is so much more than money. If you have time, you can acquire more money. But money can’t buy you more time. Time is a great equalizer. You can’t go into time debt. Every day the rich and the poor alike are given twenty-four hours to spend.”

Megan Russell

Chief Operating Officer, APMA®

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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.

#TBT Why the Tax on Your Roth Conversion Hurts So Much
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Roth conversions pay off. Repeat it to yourself now. Repeat it to yourself at tax time. Roth conversions pay off.

How to Obtain Your Social Security Statement Online
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For people of all ages, we recommend creating a “my Social Security” account today so that someone else doesn’t create an account for you.

How to Find Your Cash Balances on Schwab.com
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You can easily view the current available cash balance of your Schwab accounts online.

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.

#TBT Which is Better: Bad Market Timing or Not Investing?
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This 2014 post reminds us that perhaps we should be more afraid of cash and inflation than stocks and investing.

#TBT How Do You Value a Gift of Stock for Taxes?
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This straightforward article about how to value your charitable gifts of appreciated stock may help you in preparing your tax return this year.

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.

Courtney Fraser

Wealth Manager, CFP®

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How to Fund an HSA with HSA Bank
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There are two ways to make an HSA contribution. You can contribute by mailing a check or you can link an external checking account.

How to Open an HSA with HSA Bank
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There are many choices for an HSA custodian, but we like to recommend HSA Bank because it allows you to custody funds for investment at TD Ameritrade.

How to Help Your Children Purchase a Home
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Here are some options for helping your child purchase their first home.

Elizabeth Brew

Financial Analyst, CFP®

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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.

What Happens to Your College Savings Plan When You Receive a Scholarship?
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What will happen to all the money I have saved for her college expenses now that she doesn’t need it?

 

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