Investment Philosophy

Many Funds Close, Others Should
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There is a science to portfolio construction. Selecting a random group of companies is just as bad as selecting a random group of funds.

2019 Analysis of Fund Families on the Marotta Buy List
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The Marotta Investment Committee typically builds portfolios with average expense ratios of about 0.24%.

The Pros and Cons of a Marotta-Managed Schwab Institutional Intelligent Portfolios
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Although they are cheaper, the robo-investing accounts are not beneficial to everyone.

The Value Matters in Stock Investing
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“Think of a stock as a machine that generates cash every few months.” Smaller companies that you have never heard of usually have a better return than the better known larger companies.

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Retirement Planning

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.

Observations on “The FIRE Movement”
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The FIRE (Financial Independence, Retire Early) movement is a suggestion that you should have the goal of achieving financial independence and retiring while you are young.

The Power of Compounding
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It is hard to prioritize saving, but it pays off. Here is how.

Radio: Success and Significance in Retirement
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On Tuesday, April 9, 2018, David John Marotta appeared on Radio 1070 WINA’s Schilling Show to discuss how to achieve success and significance in retirement by both adequately savings for retirement and finding fulfillment during that period of your life.

 

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Tax Planning

 

The 30-Year Value of a Single Roth Conversion
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Thirty years of interest, dividends, and capital gains tax is a significant savings.

Contribute As Much As You Can to a 457 Plan
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If your employer offers a 457 plan, consider taking advantage of the ability to shelter more money each year from taxes in a Roth account.

Radio: Checklist for Reviewing Your Tax Return
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On Tuesday, March 12, 2019, David John Marotta appeared on Radio 1070 WINA’s Schilling Show to discuss how to do your own tax review.

Taxing Capital Gains Unfairly Taxes Inflation
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Punishing people for inflation is neither fair nor good economic policy.

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Budgeting

Core Values Budgeting: One Strategy to Identify Budgeting Changes
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Here is a strategy that can both help you identify what you value and help you start your budget.

How to Budget for Emergencies: Other Large Expenses
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Financial shocks can come in all shapes and sizes. This strategy of budgeting should increase your chance for success over the long haul.

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.

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.

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Various Topics

How to Budget for Emergencies (The Series)
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It is possible to be prepared for financial emergencies by living 10% more frugally and saving for the inevitable eventuality.

What is the Correlation of the Asset Classes?
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Asset classes are best defined by looking at the correlation of their returns. These four 2015 articles take a close examination at the three appreciation asset classes.

The Do-It-Yourself Checklist: Account Set Up
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How to go from where you are now to being one of our clients under our “Do-It-Yourself” service level.

Your Investment Manager’s Politics Matter (Where Markets Fail Series)
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An investment manager who is “at times a soft socialist” like Voss will be more likely to engage in active management, market timing, and gambling on individual stocks.

Remembering June 5, 2013
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On this day in 2013, Snowden revealed the U.S. government was actively pursuing the constant surveillance of everyone’s digital life.

A Guide to the Bear Markets
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I have gradually been writing a series of articles on each Bear Market to show how quickly they correct and how high the subsequent Bull Market rises.

Marotta on A Christmas Carol
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Charles Dickens’s A Christmas Carol is one of the best stories for talking about economics.

Five Things You Can Control: The Series
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Don Phillips suggests that the best advisors help their clients focus on what can be controlled and not fret about the rest.

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