How To Spend: Use Only Just Enough
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Most of our regular use of items is habitual. Developing a mindset that uses less requires changing our habits.

Beware Sloppy Retirement Advice
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There are at least seven major mistakes in this advice by Wells Fargo Asset Management.

Avoid Identity Theft By Using Different Random Passwords On Each Website
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Here are some of the best practices to protect your identity.

Using Forward P/E Ratio To Dynamically Tilt A Portfolio
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A low forward P/E suggests higher expected appreciation.

Core Values Budgeting: One Strategy to Identify Budgeting Changes
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Here is a strategy that can both help you identify what you value and help you start your budget.

Q&A: How Should I Balance Retirement Savings With Other Needs?
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Anything which is not contributing toward your financial independence should be considered part of your lifestyle spending.

How to Calculate Safe Spending Rate from a Fixed Pension
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Setting aside some of the payment to cover future inflation is a prudent retirement planning practice.

Best Practices for Your Estate Plan’s Tangible Property List
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“I may leave a list or other written statement expressing how I wish certain items of my tangible property to be distributed.” But how do I do that?

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.

HealthSavings Administrators HSA Investment Recommendation
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A low cost timeless portfolio for your HSA with HealthSavings Administrators.

Q&A: Do You Offer Roth Conversion Planning for Someone Who Is Not a Client?
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Kudos to you for noticing the value of Roth conversions! We have three ways we can help.

The 30-Year Value of a Single Roth Conversion
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Thirty years of interest, dividends, and capital gains tax is a significant savings.

The Full Complexity of All Required Minimum Distribution Divisors Explained
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Most divisors are looked up in tables based on your age. Others are calculated based on last year’s divisor. Some particularly unfortunate cases have distribution deadlines rather than divisors at all.

The Power of Compounding
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It is hard to prioritize saving, but it pays off. Here is how.

Diagnostic Tool: What Are Normal Market Movements?
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It is common for investors to be surprised by movements in their portfolios, but it is harder to determine if these movements mean that anything should be done.

Fund Your Child’s Roth with Chore Income
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There are many opportunities to pay your children. If that payment can be counted as earned income, then the child is eligible to fund their Roth IRA.

Getting Started as an Executor
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This is intended to be a brief overview of what you should do once you realize you are overseeing an estate.

2019 Analysis of Fund Families on the Marotta Buy List
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The Marotta Investment Committee typically builds portfolios with average expense ratios of about 0.24%.

Your Estate Plan Might Disadvantage Your Heir’s Cost Basis
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Is what I’m accomplishing here worth sacrificing the step up in basis? If it is not, perhaps there is a better way to implement your estate wishes.

The Dangers of Individual Stock Investing
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Portfolio construction is extremely important to achieving your long-term goals. Don’t risk those goals by assuming that individual stock-picking is a superior strategy.

Read This Before Starting Social Security Earlier Than Age 70
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Even though is often the worst choice, most people take Social Security as early as possible, at age 62. This decision reduces lifetime benefits by hundreds of thousands of dollars.

An Honest Conversation About Compensation
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For the proper Victorian, acts of love and money should not mix. Although this honest conversion may ruffle Victorian sensibilities, it is a foundation of the trust we forge with our clients.

Where to Get a Second Opinion on Your Insurance Policy
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If you ask, the broker will gladly tell you how much of that type they’d recommend getting, but not whether you need it in the first place.

Estate Settlement: Satisfying the Year of Death RMD
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The required IRA distribution in the year the account owner dies is called a Year of Death RMD.

The Complete Guide to Planned and Charitable Giving
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Taking these few extra steps can maximize your gift’s benefit to both you and the recipient.

Is ‘Buy On The Dips’ A Good Investing Strategy?
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“Buy on the dips” is a good strategy only because of the first word.

You Should Fund Your HSA for The Maximum
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We recommend that you fund your Health Savings Account (HSA) to the maximum limit each year and that you keep funding it to the maximum as long as you can no matter how much money you have in the account.

A Guide to HSA Qualified Medical Expenses, Contributions, and Family Plans with Adult Children
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More and more family plans are actually composed of many different independent people in the eyes of the government.

Two Simple But Effective Conversion Target Calculations
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These are two simple but effective strategies to help calculate a very good conversion target for this year.

Three Hidden Roth Conversion Opportunities
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Even the most Roth-loving individuals may have hidden Traditional assets that they do not know they can convert to Roth. Here are just a few places to look.

When to Get Your Money Out of Your 401(k), Especially Plan Owners
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Even though you would likely benefit from contributing to your 401(k), you might not benefit from keeping your assets there — even if you are the owner.

How Our Systematic Approach Makes Us Better
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Our first goal is to be accurate. We want to do the task the right way. This is where workflows help.

Everyone Deserves a Fiduciary Standard of Care (or Why We Have a Service Level with No Minimums Now)
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Thank you, Robert, for your email and your readership. I hope that everyone enjoys our new “Do-It-Yourself” service level.

Use Gift Clumping or Qualified Charitable Distributions to Save on Taxes
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These are two ways to benefit from the higher standard deduction while still fulfilling your charitable intentions.

The Pros and Cons of a Marotta-Managed Schwab Institutional Intelligent Portfolios
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Although they are cheaper, the robo-investing accounts are not beneficial to everyone.

Using Math to Decide When to Realize Capital Gains
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These are complex formulas, but they are valuable calculations that show that there is an expected increase of return which will justify selling even a highly appreciated asset.

Is Financial Advice Fundamental or Incidental With Your Advisor?
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Who would ever want unplanned and unintentional financial advice?

No One Will Loan You Money For Retirement
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If you have to choose between your retirement or your children’s college savings, choose your retirement.

Q&A: Do Others Stand to Gain from the Financial Advice You Give Me?
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You deserve advice from a firm where you don’t have to second guess where their loyalties lie.

Information Asymmetry or Why You Need a Fee-Only Advisor
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Incentives matter. If you are going to get a financial advisor, you need to select a fee-only advisor because you need to find an advisor you can trust.

The Fiduciary Standard is Disagreeable
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Sometimes, you should do what is right even though it is not what others want.

What Is Integrated Financial Planning?
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Wise decisions cannot be made in isolation from their impact on other areas of your financial life.

Retirement Plan Sponsors Have A Responsibility To Review Their Plans
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Failure to perform such periodic reviews is a litigatable fiduciary breach.

What Is A Personalized Financial Plan?
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You should work with a personalized financial planner, not an impersonal investment manager.

Marotta’s Tenets of Good Customer Service
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We have four tenets of quality defining our customer service here at Marotta.

Safe Withdrawal Rates, Asset Allocation, and the Importance of Staying Invested
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Our firm has become known for our method of computing maximum safe withdrawal rates in retirement. Our safe withdrawal rates are based on having what we believe to be optimum asset allocation targets.

Why the Tax on Your Roth Conversion Hurts So Much
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Be brave. Fund your Roth. Convert your IRA. Pay your tax bill. Your future self will thank you.

Why The 4% Rule Is Not A Sufficient Withdrawal Strategy
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Determining what constituted a safe withdrawal rate was one of the first questions I tackled. After a year and a half of study on the question, I had realized the inadequacy of the 4% rule and found a methodology which provides more useful when advising clients.

The Complete Guide to DIY Household Cleaners
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I began my DIY journey learning about science, so it feels best to start you there as well.

Comparing Schwab Monthly Statements with Marotta Quarterly Reports
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In general, the statements should match, but matched accounting down the penny cannot easily be achieved.

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