Investment Philosophy

Do I Want To Give My Financial Advisor Discretion on My Account?
with No Comments

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.

Four Reasons to Rebalance
with No Comments

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

Misuse Of The Term ‘Rebalance’
with No Comments

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)
with No Comments

As a result of new fund additions, we added five new country-specific funds to our Schwab Institutional Intelligent Portfolio asset allocations.

Read More

 

Retirement Planning

A Review of Finances at Age 60
with No Comments

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
with No Comments

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
with No Comments

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)
with No Comments

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.

 

Read More

Tax Planning

 

How to Pick Your Charitable Giving Target for State Tax Credits
with No Comments

Which of these three methodologies you prefer depends on your reason for giving.

Pay Your State Tax By Donating to Charity
with No Comments

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
with No Comments

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
with No Comments

Market returns are out of your control. These thirteen actions are in your control.

Read More

Budgeting

Five Ways to Thrift Your Empty Gearharts Chocolates Box
with No Comments

I cannot throw away such a delightful box.

How to Spend: Convenience is a Surcharge
with No Comments

Choosing the right moments to buy convenience with your money brings value to your life.

How To Spend: Budget For Christmas
with No Comments

We can gift our loved ones a powerful gift while maintaining a budget.

How To Spend: Keep a Price Book
with No Comments

Who can remember every purchase you made? But remembering is how to keep your purchases reasonable.

Read More

Various Topics

Retirement Wisdom (The Series)
with No Comments

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
with No Comments

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)
with No Comments

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?
with No Comments

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
with No Comments

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)
with No Comments

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
with No Comments

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
with No Comments

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.

Read More

Like what you read? Subscribe to our newsletter!