Know Your Fund Expense Ratios
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The expense ratio charged by your funds matters more than you may realize.

Disclosures Are Not Sufficient To Fulfill The Fiduciary Duty
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Disclosures are always necessary but rarely sufficient to fulfill fiduciary obligations.

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%.

An Honest Conversation About Compensation
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For the proper Victorian, acts of love and money should not mix.

If You Are Tempted to Stay Out of the Markets, Read This First
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Gil Weinriech, Senior Editor for Seeking Alpha, wrote recently about investors whose personalities tempt them to stay on the sidelines of investing at times.

Financial Planning for the Young and Non-Affluent
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“We have simply not been able to serve those who really need us the most.”

Who Serves Low And Middle Income Consumers? We do!
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The dark side argues that without commission-based sales people, low and middle income consumers will not have access to a financial advisor. They are wrong.

7 Ways a Marotta-Managed Schwab Institutional Intelligent Portfolios is Better Than Schwab Retail
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Any investment manager can use the Institutional Intelligent Portfolio technology to implement extremely different investment philosophies.

What Is Shareholder Primacy?
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Since only a small portion of stock is traded each day, a large majority of shareholders prioritize the long term appreciation of the value of the company.

SEC Leaves 61% of Registered Representatives Exempt From Its Adviser Rules
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This is called “regulatory capture” and is quite common in government regulatory agencies such as the SEC.

Customer Service Lessons from Toddler Parenting
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We believe that lessons like these are a part of the fiduciary standard.

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.

Review of CFP Board’s Ten Questions For Your Advisor
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Although these questions may help some people discern which professional to sign up with, I like our ten questions better as they cut to the heart of the matter. That being said, the more you know about an advisor the better.

Failed Government myRA Program Closed
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That the program failed is not a surprise. That the government decided to close a failed program, however, is.

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.

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

Q&A: Have You Ever Been Publicly Disciplined for Any Unlawful or Unethical Actions in Your Career?
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We believe following our eight principles to safeguard your money provides a better safeguard than checking for past violations.

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.

NAPFA Challenges the Securities and Exchange Commission
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I couldn’t be prouder to be a NAPFA-Registered Financial Advisor.

Q&A: How Will I Pay for Your Financial Planning Services? How Much Do You Typically Charge?
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It is relatively easy for fee-only fiduciaries to answer the question “How much do you charge?” The only fee they collect is the fee that the client directly pays them.

Q&A: Does a Power of Attorney Agent Have a Fiduciary Duty?
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A reader asks, “As her descendant and agent following the rules as written, it is my understanding that I could gift myself $14,000 each year. But can I really?”

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.

Q&A: Will You Be the Only Financial Planner Working with Me?
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At Marotta Wealth Management, we believe that a team collaborating on your behalf provides you with better service.

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

Q&A: What Types of Clients Do You Typically Work with?
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We believe that the basic principles of financial planning are the same no matter how many zeros you add.

Q&A: What is Your Approach to Financial Planning?
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If this is the approach you want for your financial planning, give us a call to get started today!

Radio: Responsibility of Retirement Plan Sponsors
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If you run a retirement plan at your company, you are responsible to perform periodic reviews to ensure that the plan is the best it can be for participants

What Is Financial Planning?
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Given how few financial advisors have been through the education, certification, and experience require to obtain the CFP® mark, it is no wonder that so few so-called financial planners are actually providing comprehensive financial planning advice.

Q&A: What Financial Planning Services Do You Offer?
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We offer comprehensive wealth management services.

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.

Q&A: What Are Your Qualifications?
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We require each Investment Committee member to have, at a minimum, the Certified Financial Planner™ (CFP®) or Chartered Financial Analyst ® (CFA) designation.

Q&A: What Experience Do You Have?
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Marotta Wealth Management (originally Marotta Asset Management) was founded in 2000 by David John Marotta.

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.

All About Courtney Fraser, CFP®
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We are very pleased to announce that Courtney Fraser is our newest CERTIFIED FINANCIAL PLANNER™ (CFP®) at Marotta Wealth Management!

Rent Seeking in Proxy Voting
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We, the shareholders, do not like being treated this way.

What Does It Mean To Be An Accredited Investor?
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“One principal purpose of the accredited investor concept is to identify persons who can bear the economic risk of investing in these unregistered securities.”

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

How To Find A NAPFA-Registered Advisor In Your Area
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If you want to find a NAPFA-Registered Financial Advisor in your area, here is a simple form you can use to search.

SEC Advertises Investor.gov to Protect Against Fraud
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Don’t let someone else live the life you’re saving for, but also don’t rely on Investor.Gov to protect your money.

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.

TD Ameritrade Eliminated Low Cost Commission Free Exchange Traded Funds
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TD Ameritrade has received a large number of complaints. But apparently not enough to change their decision. If you have a TD Ameritrade account perhaps your call will help them change their minds.

Talking Politics With Clients
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InvestmentNews advocates lying to clients, but I think if your advisor doesn’t have integrity, you can stop there and find a new advisor.

Investing Mistake: Paying Too Much In Investment Vehicle Fees
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There can be great value in the sage advice of a fee-only fiduciary advisor. Even if they brought no value for their investment management, they could still bring great value for their help in comprehensive wealth management. While a competent … Read More

An Overview of Robo-Investing
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A few years ago, there was a great rise of so-called robo-advisers, computer programming that enabled setting a simple asset allocation on the security level and then automatic rebalancing to those targets for each security.

Not All Financial Advising Firms Rebalance Client Portfolios
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You would think that rebalancing a client’s portfolio would be standard in the industry. Unfortunately, it is not.

Q&A: Can you be my executor?
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Sadly, we have to say no. Even though we won’t be your executor, we are still here to help your executor, trustee, and loved ones through the estate maintenance and settlement process.

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