Investment Philosophy

Four Reasons to Rebalance
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In these ways, rebalancing can be of great value to a long-term investor’s portfolio.

Misuse Of The Term ‘Rebalance’
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That is not what anyone means by the term “rebalancing.” The misuse of the term on Investment News was glaring.

More Freedom Investing Added to Marotta’s Schwab IIP Asset Allocation (June 2020)
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As a result of new fund additions, we added five new country-specific funds to our Schwab Institutional Intelligent Portfolio asset allocations.

The Stock-Bond Shuffle of Asset Location
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Oddly, this technique might involve selling a bond position in the taxable account for a small capital gain, and buying that exact same position in an IRA in order to keep the portfolio in balance.

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Retirement Planning

A Review of Finances at Age 60
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I’m turning 60 this week. Even though I plan on working as long as possible, this is an important check point.

How to Save for Retirement When You Are Old And Broke
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No matter how small your savings or when you start accumulating them, those small changes have large effects over time.

How to Self-Insure for Long-Term Care Health Expenses
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If you save this target, your assets have a better chance of seeing you all the way to the end.

Financial Planning for Success and Significance in Retirement (LIFE007)
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The class will be held March 19 through April 2, 2020 each Thursday from 11:00 AM to 12:30 PM at Homewood Suites in the Albemarle Room.

 

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Tax Planning

 

How to Use Your 401(k) to Convert Only Your IRA’s Nondeductible Basis to Roth
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If you have an accepting employer plan, you could consider rolling the pre-tax funds into your 401(k) this year while converting your nondeductible basis cleanly to a Roth IRA.

13 Financial Actions to Consider During Market Downturns Like This
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Market returns are out of your control. These thirteen actions are in your control.

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.

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Budgeting

How To Spend: Keep a Price Book
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Who can remember every purchase you made? But remembering is how to keep your purchases reasonable.

How to Spend: Waste Nothing
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The presumption that there is always more fun to be had has a two-fold positive effect on my life.

How To Spend: Purchase In Season
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When I was really young, I did not realize that food had a season. What a privilege of our modern era!

How to Transfer Your Economic Impact Payment Card Into Your Bank Account
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It took me one hour to complete from start to finish. Hopefully, now that I have bumbled my way through it on my own and documented the steps, it takes you less time.

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Various Topics

Retirement Wisdom (The Series)
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In 2004, David Marotta wrote a seven part series originally titled “Retirement Wisdom.” The series explained the the seven principles to reaching your retirement goals.

How to Implement Basic Investment Strategies
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In 2009, David Marotta wrote a five-part article series for the Charlottesville Business Journal covering basic investment strategies. Its advice is still relevant today.

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.

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