Investment Philosophy

An Overview of Our Allocation Changes (March 2021)
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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.

New Funds for United Kingdom, Hong Kong, and Canada
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We would expect the switch to Frankiln funds to save our clients 0.11% annually due to the lower expense ratio.

We Added Individual Stocks to Our Foreign Allocations (January 2021)
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We believe these 26 companies will be an effective weight to add foreign healthcare to our portfolios.

Do I Want To Give My Financial Advisor Discretion on My Account?
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Having a financial advisor who has discretion over your accounts is only a good idea if your financial advisor is covered under the fiduciary duty and is fee-only.

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Retirement Planning

Account Funding Priorities for 2021
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Which account you should fund depends on your circumstances. However, there are some general guidelines you can follow to make your decision.

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.

 

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Tax Planning

 

Video: The Value of Systematic Roth Conversions
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In this talk, David demonstrates how Roth conversions can be extremely valuable even if a client is always in the same tax bracket.

How to Pick Your Charitable Giving Target for State Tax Credits
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Which of these three methodologies you prefer depends on your reason for giving.

Pay Your State Tax By Donating to Charity
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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.

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.

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Budgeting

How to Implement The Automatic Millionaire Technique at Schwab
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By decoupling your standard of living from the size of your income, you have taken the first step toward financial freedom.

Life Lesson #1: You Shouldn’t Need Saving
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No limp arms. Keep your hands up. Budget for emergencies.

Radio: Savings Waterfall for 2021
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Which account you should fund depends on your circumstances. However, there are some general guidelines you can follow to make your decision.

A Financial Planner’s Review of Instacart Grocery Pick-Up
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After trying Instacart again a handful of times, I finally decided that in-person shopping was cheaper and more effective for my family.

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Various Topics

The Complete Guide to Funding a Custodial Roth IRA
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Here you can find our article series detailing how and why you should fund a custodial Roth IRA for your children.

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.

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