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 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.

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.

How to Set Up Direct Deposit
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The best way to ensure that you save and invest is to automate the process.

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.

Can I Update My Beneficiaries Online?
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Yes, but if you have complex wishes, you should utilize paperwork.

Charles Schwab: How to Fund Your Account with a Check
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If you are doing a one-time funding from another account, sometimes the lowest tech option can be the easiest.

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

Manage All Your Family’s Finances with a Power of Attorney
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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.

Gain Clarity with Schwab’s Account Nicknames
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Adding nicknames such as these can help immensely when it comes time to do basic tasks such as Roth IRA funding or withdrawing funds.

How to Show Your IRA on Your Spouse’s Schwab Login
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By default, your Schwab login will only display your own accounts.

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

Move Funds Between Your Bank Account and Your Schwab Account
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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.

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.

Best Practice for Qualified Charitable Distribution Checks
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If you choose to make a QCD, we suggest saving as much documentation as possible.

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

Bringing Value with Client Billing
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One obscure way we earn our fee is in how we bill you.

Best Non-Correlated Asset Classes for the S&P 500
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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.

Diversify and Rebalance More Than Just Your Investments
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Investments, like life, are volatile, risky, and on average rewarding. Diversification and rebalancing help to protect yourself from the volatility.

Marotta Retirement Plans Add Managed Unitized Trust Options
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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.

A Closer Look at the Past Performance Disclaimer
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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.

Seven Techniques for Small Business Wealth Management
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Here are seven techniques for small business owners to build real wealth.

My Best Case for Socially Responsible Investing
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My best case for SRI is a personal story of lace, oil paintings, tobacco, and Ray Stedman.

What Expenses Can My 529 Account Reimburse in 2017?
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While this may seem complex, don’t let it deter you from using a 529 account to the fullest extent possible.

Don’t Delay Roth Conversions
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Putting money in your Roth without delay is valuable.

Employers Who Offer A Retirement Plan Have A Fiduciary Responsibility
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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.

Where is Your Priority: Tax Preparation or Tax Planning?
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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.

The Route from Wealth to Well-Being
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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.

Navigating Your Employer Retirement Plan Fund Choices
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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.

Choosing Between Your Employee Retirement Account Options
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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.

The Business of Being an Artist
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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.

How to Get Started with Retirement Planning
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Most of the assets you use to fund your retirement will come from compounded growth.

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