David John Marotta

President, CFP®, AIF®, AAMS™

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How to Secure Your Schwab Account
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Cyber security gravitates toward the low-hanging fruit of novice users. Even taking a few steps can greatly protect your accounts.

#TBT In Which Investment Vehicle Should I Stage My Spending Money?
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The addition of stable investments can help dampen the risk and increase the chances of meeting your spending goals.

Sixteen Problems with the Eat-What-You-Kill Model
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The culture of many commission-based firms makes it a poor environment both for employees and clients. Don’t take a chance with your retirement.

Megan Russell

Chief Operating Officer, APMA®

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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.

Libby Horbaly

Wealth Manager, CFP®

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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.

2021 Tax Facts
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Here is a reference chart with 2021 income tax rates, capital gains rates, retirement contribution limits, and more.

#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.

Courtney Fraser

Wealth Manager, CFP®

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#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.

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.

How to Invest an HSA with HSA Bank
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We recommend keeping all but the funds needed to pay the annual deductible for your health insurance plan invested in your HSA investment account.

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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