I recently received the following paraphrased questions from a prospective client and here were my replies.
Recently, we lowered the duration of our U.S. Bond portfolio and increased the amount which is inflation protected. This article explains the reasons for this change.
Home bias is the tendency of investors to invest a majority of their assets in companies domiciled in their home country. Recency bias is the tendency for humans to believe that what has happened recently will continue to happen in the future.
We are constantly reviewing our portfolios’ asset allocations in order to bring them more in line with our Investment Committee’s best practices. Here is a summary of our recent changes.
There are several distribution rules that make Roth IRAs great savings tools for early retirees.
The cost of a second home is large. Large enough that it can ruin your retirement plan.
Which account you should fund depends on your circumstances. However, there are some general guidelines you can follow to make your decision.
I’m turning 60 this week. Even though I plan on working as long as possible, this is an important check point.
In this talk, David demonstrates how Roth conversions can be extremely valuable even if a client is always in the same tax bracket.
Which of these three methodologies you prefer depends on your reason for giving.
If you have a tax credit eligible charity where you like their work better than the state government, then consider redirecting your state tax to fund the charity instead.
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.
Stopping to think through questions like these will likely help you make smarter decisions with your spending.
This is a fairly easy way to receive a 5% reward for my gasoline purchases but it does require that you have a family member who served in the military.
Once set up, the extra rewards may be worth the extra effort.
Imagine how much you could save if you could cut all your expenses in half!
Here you can find our article series detailing how and why you should fund a custodial Roth IRA for your children.
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.
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.
It is possible to be prepared for financial emergencies by living 10% more frugally and saving for the inevitable eventuality.
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.
How to go from where you are now to being one of our clients under our “Do-It-Yourself” service level.
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.
On this day in 2013, Snowden revealed the U.S. government was actively pursuing the constant surveillance of everyone’s digital life.