David John Marotta

President, CFP®, AIF®, AAMS™

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#TBT Which Products Do You Buy and Which Do You Avoid?
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The selection of what products we purchase or avoid for clients is based solely on what we believe gives our clients the best chance to meet their goals.

#TBT Learning to Live on Your Own
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Here are several tips on how to live richly on your own.

Review: USAA Cashback Rewards Plus American Express Credit Card
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This is a fairly easy way to receive a 5% reward for my gasoline purchases but it does require that you have a family member who served in the military.

Megan Russell

Chief Operating Officer, APMA®

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Q&A: How Does Your Investment Strategy Work?
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I recently received the following paraphrased questions from a prospective client and here were my replies.

#TBT Which Products Do You Buy and Which Do You Avoid?
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The selection of what products we purchase or avoid for clients is based solely on what we believe gives our clients the best chance to meet their goals.

Q&A: What Should I Name My Donor Advised Fund?
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For better or for worse, you simply get to pick a name.

Libby Horbaly

Wealth Manager, CFP®

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Individual 401(k) Elective Deferral Limits and Deadlines
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You as the business owner have until the tax-filing deadline to complete both your profit-sharing and elective deferral contributions.

Account Protection at Schwab
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Schwab offers protection by the Securities Investor Protection Corporation (SIPC) and Lloyd’s of London for investment accounts and Federal Deposit Insurance Corporation (FDIC) coverage for deposit accounts.

How to See Completed Trades on Schwab.com
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You can easily view the trades that have been placed in your Schwab account(s) online by following a few simple steps.

#TBT Things to Think About Before You Invest
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Knowledge and emotion can play off each other in ways that cause investing mistakes.

#TBT Never Lend to Family Without a Contract
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This 2015 article reminds us how unspoken expectations can cause relational strife but a written contract can protect the relationship.

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.

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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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.

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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