Investment Philosophy

Marotta Family Saying: Make Half a Mistake

Three generations explain this family saying which teaches one method of mitigating risk.

Updates to Schwab Institutional Intelligent Portfolios Limited Fund Selection
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Now that the Franklin Templeton funds have been added to the Institutional Intelligent Portfolios platform, we are updating our allocations to use the cheaper funds as their primary targets.

Changes to Our Technology, Mid Cap, & Small Cap Allocations (February 2022)
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A Technology correction may not happen, but moving more into Mid and Small Cap Value may help allocations even if it doesn’t.

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.

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Retirement Planning

How to Self-Insure for Long-Term Care Health Expenses (2022)
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Saving for long-term care, if done early enough, is not too expensive and helps to protect yourself from this potential financial shock.

Study Helps Track Long-Term Care Cost Options
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We are very thankful that Genworth has released this information freely for everyone to use.

Enroll in Marotta’s Online Live Class (OLLI 2022)
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The class will be held March 10 through March 31, 2022 each Thursday from noon to 1:30 PM on Zoom.

Design Your 2022 Savings Waterfall (Podcast)
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In this podcast, I discuss my recent article “Account Funding Priorities for 2022” and describe a savings waterfall for 2022. The idea is when new money flows your way, which one of these buckets is it going to land in?

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Tax Planning

 

How the Wealthy Can Take Advantage of Health Insurance Subsidies for 2023 Onward
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You may be surprised by the amount of subsidies you can receive.

The Costly Effect Of Saving In A Taxable Account
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The annual drag of taxable account taxation may seem like a small amount, but the effect over long periods of time such as 30 years is significant.

How to Calculate Your Possible Health Insurance Subsidies
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If you are already shopping for health insurance for 2022, consider getting an on-exchange health insurance plan. You may be surprised at how much subsidies you can receive.

How the Wealthy Can Take Advantage of Health Insurance Subsidies in 2022
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If you are currently shopping for health insurance for 2022, consider getting an on-exchange health insurance plan. You may be surprised at how much subsidies you can receive.

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College Planning

The Art and Science of a Bond Allocation (529 Plan Example)
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Adding more Stability to an asset allocation isn’t an easy issue. It takes science to know how much bonds you need. It takes artistry to gradually adjust your asset allocation over time. 

How to Change a 529 Plan Account Owner
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While you may think that the account owner needs to stay the same, you can easily change the account owner.

Q&A: Can I Leave Money to a 529 in My Estate?
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Can I leave money directly to those 529 plans in my estate plan?

Q&A: How Much K-12 Tuition Can I Reimburse from 529 Plan?
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By flowing money through a 529 account, a Virginia tax payer could receive a $575 discount on their private school tuition.

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Budgeting

Be the One Who Can Write That Check
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It is perfectly fine for you to underspend your assets. You don’t need my permission, but you have my blessing anyway.

More Self-Control Leads to Wiser Spending, Not Less Spending
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In this article, I am defending the use of self-control in your financial habits.

How to Spend: Buy More (Podcast)
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In this two-part mini-series, we discuss the two sides of learning how to shop more effectively. This time, we discussed how to buy more value by being aware of where you are spending money.

Review: eBay Mastercard Credit Card
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Although this card is an easy way to pay 3% less for an eBay purchase, I won’t be adding it to my wallet since that is its only use.

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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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