Best Of

Thank you, Robert, for your email and your readership. I hope that everyone enjoys our new “Do-It-Yourself” service level.

These are two ways to benefit from the higher standard deduction while still fulfilling your charitable intentions.

How to go from where you are now to being one of our clients under our “Do-It-Yourself” service level.

Although they are cheaper, the robo-investing accounts are not beneficial to everyone.

The best way to ensure that you save and invest is to automate the process.

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.

Be very careful filling out these forms and be sure to ask for help if you need it.

Yes, but if you have complex wishes, you should utilize paperwork.

If you are doing a one-time funding from another account, sometimes the lowest tech option can be the easiest.

Who would ever want unplanned and unintentional financial advice?

Instead of having to nag your spouse to sign paperwork or login online to accomplish these tags, you can manage all of your family’s finances by setting up a power of attorney.

Adding nicknames such as these can help immensely when it comes time to do basic tasks such as Roth IRA funding or withdrawing funds.

By default, your Schwab login will only display your own accounts.

There are two ways to transfer your account to a Schwab Institutional Intelligent Portfolios with Marotta Wealth Management.

In order to move funds between a non-Schwab account (external account) and your Schwab account, you simply need to establish what is called a MoneyLink.

If you have to choose between your retirement or your children’s college savings, choose your retirement.

You deserve advice from a firm where you don’t have to second guess where their loyalties lie.

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.

Sometimes, you should do what is right even though it is not what others want.

Wise decisions cannot be made in isolation from their impact on other areas of your financial life.

Failure to perform such periodic reviews is a litigatable fiduciary breach.

You should work with a personalized financial planner, not an impersonal investment manager.

We have four tenets of quality defining our customer service here at Marotta.

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.

Be brave. Fund your Roth. Convert your IRA. Pay your tax bill. Your future self will thank you.

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.

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

In general, the statements should match, but matched accounting down the penny cannot easily be achieved.

If you choose to make a QCD, we suggest saving as much documentation as possible.

A question from our readers, “Should I choose to have dividends reinvested or should I receive them in cash and then reinvest them myself?”

One obscure way we earn our fee is in how we bill you.

Even very volatile investments may, in moderate amounts, reduce a portfolio’s volatility if the investment is not correlated with the rest of the portfolio’s components.

Investments, like life, are volatile, risky, and on average rewarding. Diversification and rebalancing help to protect yourself from the volatility.

Being able to lower total fees while investing part of the portfolio in slightly higher cost country specific exchange traded funds and being able to use exchange traded funds with strategic factors and add a monthly dynamic tilt is a significant accomplishment.

We have all seen mutual fund ads stating this Securities and Exchange Commission (SEC) disclaimer, “Past performance is no guarantee of future results.” Let’s take a closer look at it.

Here are seven techniques for small business owners to build real wealth.

My best case for SRI is a personal story of lace, oil paintings, tobacco, and Ray Stedman.

While this may seem complex, don’t let it deter you from using a 529 account to the fullest extent possible.

Putting money in your Roth without delay is valuable.

Every business owner or director of a non-profit should realize that if they don’t take their fiduciary responsibility seriously they are legally liable for their neglect and inaction.

At our firm, tax planning is our priority. We hope to maximize after-tax net worth over your lifetime, even if it is at the expense of this one year.

We don’t write a lot about how to spend money, but an international study published this year claims to have found the route from wealth to well-being through spending money.

Since your employer’s plan usually has the most limited number of choices, pick the best it has to offer that fits with in your over all plan.

Putting all of your retirement eggs in one basket is easy to carry, but risky. Fund your employer’s plan with no more than is necessary to get the match and then fund your Roth IRA and build your taxable savings.

Financial planning is simply doing what it takes to give you the means to do what you want. The poorer you are the more you need financial planning. You don’t have any margin for mistakes.

Most of the assets you use to fund your retirement will come from compounded growth.

While most investment advisors do one total conversion or partial conversion here or there, we have a dedicated Roth segregation strategy, which adds real value to our clients accounts.

Here are 8 reasons you’d want to lower your AGI and 8 methods to lower your AGI.

Every pay period, pay yourself first. You won’t miss what you don’t see.

Families that consider generational financial planning techniques can reduce the burden of taxes on the family as a whole.