David John Marotta

President, CFP®, AIF®, AAMS™

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Are Recessions a Real Thing?
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Regardless of which it is and whether we are in a recession, it is always a good time to have a balanced portfolio.

Radio: Dangers of Seeking Utopia
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On Tuesday, April 12, 2022, David John Marotta appeared on Radio 1070 WINA’s Schilling Show with Rob Schilling to talk about dangers of seeking utopia and the sinfulness of humanity.

Avoid the Publishers Clearing House Scam
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Protecting you from elder fraud is just one of the many services we can offer as a part of comprehensive financial planning.

Megan Russell

Chief Operating Officer, APMA®

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#TBT Can a 529 Reimburse for Last Year’s Expenses?
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This article offers an overview of what we know about 529 reimbursement timing.

Home Bias or Foreign Bond Funds?
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Home bias is the tendency of investors to invest a majority of their assets in companies domiciled in their home country.

Q&A: Why Do You Have So Many Links In Your Articles?
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This is why we say: We have no secret ingredient at Marotta Wealth Management.

Libby Horbaly

Wealth Manager, CFP®

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How to Fund a Schwab Individual 401(k)
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Schwab recommends using one of the three methods discussed in this article to fund an individual 401(k).

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.

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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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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