David John Marotta

President, CFP®, AIF®, AAMS®

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Q&A: How Should I Balance Retirement Savings With Other Needs?
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Anything which is not contributing toward your financial independence should be considered part of your lifestyle spending.

The Cost of Keeping Some Money Safe
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Keeping $100,000 might cost you $500,000 in lost opportunity costs over 20 years.

2019 Social Security Facts on Its 84th Birthday
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Social Security just turned 84 years old today (August 14, 2019). It has stayed alive on the false sentiment of sunk costs.

Megan Russell

Chief Operating Officer

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How to Budget for Emergencies: Pay Cut
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Whatever technique you use to smooth your income, providing for the possibility of having a sudden reduction in income can help your family self-ensure against this potential financial shock.

Q&A: Can I Still Use a QCD to Get State Tax Credits?
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If a portion of your charitable gift is nondeductible, then no portion of the gift can be counted as a Qualified Charitable Distribution. But there is one accepted loophole for QCDs.

State Tax Credits: Navigating the New IRS Rules to Find Tax Savings
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This June, the IRS came out with their final ruling on how charitable gifts to receive state tax credits will be handled. This is how the strategy works now.

2019 Second Quarter And Year-To-Date Returns For Our 6 Asset Classes
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During 2019, the U.S. Stock Market generally rose during the four quarters from the lows set by the Almost Bear Market of 2018.

2019 Tax Facts
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Here is a cheat sheet with information about the 2019 tax brackets and contribution limits that should help as you do your tax planning for the year.

State Tax Credits Are Becoming Less Valuable
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New proposed legislation cuts the benefit of donating to charity and receiving tax credits in return.

Courtney Fraser

Wealth Manager, CFP®

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A Quick Strategy for Analyzing Whether You Should Rent or Sell
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There are two ways to run the analysis. One is quick and can be done on the back of a napkin. The other is more detailed, best done in a spreadsheet. In this part one, we will explain the quick math.

How Do I Take an RMD from an Illiquid Asset?
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The tax penalty for failing to take an RMD is steep at 50% of the amount you fail to take, so it is essential that you make the effort to take your RMD, even when having illiquid investments creates extra hassle.

Q&A: Can I Pay for My Student’s Computer Repair Using 529 Funds?
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In 2015, Congress passed the PATCH Act that included a provision which allowed computer purchases to be a qualified education expense for 529 plans. But what of computer repairs?

 

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