David John Marotta

President, CFP®, AIF®, AAMS™

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#TBT The Lower The Market Falls The More Important It Is To Stay Invested
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A recovery after a significant downturn in the markets is often marked by steep growth. If you sell and flatline, you will likely miss the market’s natural recovery and thus your own personal future recovery becomes very difficult.

Exemptions to Fiduciary Rule Jeopardize 401(k) Plans
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Being a fiduciary means more, regardless of what the Department of Labor might write in their press releases.

Bond Markets: Worst Quarter in 40 Years & Not That Bad (April 2022)
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We think holding your next seven years of spending in relatively safe bonds is always a good idea. But holding too much in bonds may not keep up with inflation and is not ideal for your long-term investment strategy.

Megan Russell

Chief Operating Officer, APMA®

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How to Spend: Avoid Advertising (Podcast)
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In this podcast, we discuss the hazard of advertising for your budget and how to not fall prey to marketing tactics.

Today Was An Intraday Bear Market (May 2022)
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The S&P 500 saw an intraday bear market today, dipping over 20% down from a prior high and then correcting back before the day’s close.

Billing Retirement Accounts to Maximize After-Tax Net Worth
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One obscure way we bring value to clients is how we bill them.

Libby Horbaly

Wealth Manager, CFP®

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Do Large Roth Conversions Require Backdoor Roth Contributions? (2021)
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Luckily for Roth lovers like us, you don’t have to choose between Roth conversions or Roth contributions.

How to Update Your Contact Information at Schwab
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You can easily update your contact information online through Schwab Alliance.

#TBT Where to Find Statements and Tax Documents on Schwab.com
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Following this guide, you should be able to easily download any account documents you want.

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.

#TBT The Benefits of Saving and Investing Early
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This 2014 article reminds us: don’t wait until you “have more” or “make extra money” – start saving now! It is worth more.

#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.

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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