Investment Philosophy

Q&A: How Does Your Investment Strategy Work?
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I recently received the following paraphrased questions from a prospective client and here were my replies.

Updates to Our Bond Allocation (April 2021)
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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.

Overcome Your Biases and Invest Globally
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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. Recency bias is the tendency for humans to believe that what has happened recently will continue to happen in the future.

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.

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Retirement Planning

The Role of a Roth IRA in Early Retirement
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There are several distribution rules that make Roth IRAs great savings tools for early retirees.

Don’t Let A Second Home Ruin Your Retirement
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The cost of a second home is large. Large enough that it can ruin your retirement plan.

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.

 

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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 Spend: Avoid Impulse Purchases
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Stopping to think through questions like these will likely help you make smarter decisions with your spending.

Review: USAA Cashback Rewards Plus American Express Credit Card
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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.

Review: SavorOne Credit Card by Capital One
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Once set up, the extra rewards may be worth the extra effort.

How to Spend: Go To The Source
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Imagine how much you could save if you could cut all your expenses in half!

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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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