David John Marotta

President, CFP®, AIF®, AAMS™

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More Self-Control Leads to Wiser Spending, Not Less Spending
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In this article, I am defending the use of self-control in your financial habits.

#TBT Tax By Inflation
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Inflation has at least four grievous effects on our economy. This 2014 article explains them.

#TBT Five Reasons to Have Some Cash Equivalents
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Staying fully invested is an important part of your financial plan. Yet still, there are at least five reasons to hold cash.

Megan Russell

Chief Operating Officer, APMA®

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Founder’s Day: Celebrating George Marotta (Part 2)
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My grandfather served in Japan during World War 2. He turns 96 this year.

Our Answers to 8 Common Prospective Client Questions
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We recently received the following questions from a prospective client. Here are our answers.

#TBT Tax By Inflation
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Inflation has at least four grievous effects on our economy. This 2014 article explains them.

Libby Horbaly

Wealth Manager, CFP®

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#TBT How to Order New Schwab Checks
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Schwab has recently required that everyone with older checkbooks reorder new ones. This recent guide should help you with this process.

Our Answers to 8 Common Prospective Client Questions
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We recently received the following questions from a prospective client. Here are our answers.

Charles Schwab: How to Order More Checks or Deposit Slips (2022 Update)
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Although this process is still more complex then the simple process Schwab used to have, it does appear to be an improvement from the last process they had in place.

The Difference Between Roth Conversions, Contributions, and Deferrals
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It is important to know the difference between these techniques to make sure you are maximizing your retirement savings.  

#TBT Harvest Major Capital Losses Whenever You Have Them
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While you can only use $3,000 per year of capital losses to reduce your taxable income, you should bank as much capital loss as possible for other future uses.

2022 Tax Facts
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Here is a reference chart with 2022 income tax rates, capital gains rates, retirement contribution limits, and more.

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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#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.

#TBT Can I Use 529 Funds for Off-Campus Housing?
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In general, you can use 529 funds to pay for your student’s off-campus housing costs. However, housing is one of many expenses that are subject to a reimbursement limit.

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.

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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