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.

Q&A: Can I Still Use a QCD to Get State Tax Credits?
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If a portion of your charitable gift is nondeductible, then no portion of the gift can be counted as a Qualified Charitable Distribution. But there is one accepted loophole for QCDs.

Does An Inverted Yield Curve Mean I Should Get Out Of The Markets?
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It is easy for an inverted yield curve to spook investors.

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.

Q&A: I Have a Marotta-Managed 401(k). What Should I Invest In?
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We often get the question from plan participants, “What should I invest in?” Here are our recommendations in order.

Do Top-Ranked Funds Repeat?
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Dimensional’s analysis found that top funds do not repeat.

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.

Q&A: How Does the SECURE Act Change QCDs?
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“I will be turning 70 1/2 and wanted to start making contributions to charity from an IRA and taking the QCD at that time. Would this bill require me to wait two more tax years, until I am 72, to do this?”

When Should I Worry About Performance?
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Some performance is cause for concern. Other times, you need not worry. Here are 5 times you should not worry and 4 cases when you should.

Q&A: How Much Attention Should Fees Get?
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“Has the focus on expense ratios caused the public to lose focus of more critical financial measures, such as performance?” Actually, expense ratios and 12b-1 fees should get even more attention than they are getting. Here’s why.

Q&A: How Do I Calculate My RMD from a Complicated 401(k)-to-IRA Rollover?
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Among the most complicated and frustrating IRA rules are required minimum distributions (RMDs). This case is a classic example.

Q&A: Moving Across State Lines With a Tenants by the Entirety Account
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“I’m moving to a state which does not recognize Tenants by the Entirety. What do I need to do?”

Q&A: Can I Amend My Estate Plan by Hand?
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When it comes to legal, if your attorney is allowed to make the edit, you are allowed to make the edit.

Q&A: Can I Do Backdoor Roth and an IRA Rollover In the Same Year?
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This person has no IRA balance, but is about to get one with an IRA Rollover. So the question is one of timing: can they do the IRA Rollover after the nondeductible contribution has already been converted so that their cream and coffee never mix?

Q&A: What is the Average Real Return of the Stock Market?
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The real return of the stock market going forward is often debated.

Q&A: Can I Turn My Real Estate Income Into a REIT to Get the QBI Deduction?
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You are allowed to deduct “up to 20 percent of their combined qualified real estate investment trust (REIT) dividends,” and this deduction is unlimited. So it begs the question: Is there a way I can deduct my normal real estate income?

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.

Do Dividend Paying Stocks Make Better Investments?
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For all of these reasons, our recommended investment strategy does not focus on dividend-paying stocks.

Q&A: What Happens if an Inherited IRA Fails to Get Inherited?
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There is a tangled web of rules and options. For any given family situation and set of desires, there is a best answer when it comes to meeting your wishes, minimizing the tax owed, and optimizing your estate plan.

Q&A: Are Forgiven Student Loans Subject to Income Tax?
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Student loan forgiveness is normally taxable and reported to the IRS on a 1099-C, but there are big exceptions.

Does Per Capita or Per Stirpes Include Spouses?
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People think about marriage differently. These views and more shape the way that people want per stirpes and per capita to work.

Seven 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.

Q&A: Do We Need Contingent Beneficiaries If We Have Wills?
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The short answer is absolutely yes you do. Here’s why.

Do Stock Buy Backs Bring Real Value?
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Stock buyback programs are a method of returning profits to shareholders without causing a taxable event.

What Is The Average Holding Period For A Stock?
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The average holding period for a stock is not simply the inverse of liquidity.

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.

What Is The 30-Day Election Period For Retirement Plan Rollovers?
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The regulation is an attempt to protect participants who don’t understand the rules set up by the government.

Q&A: Can I Use 529 Funds for Off-Campus Housing?
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In general, you can use 529 funds to pay for your student’s off-campus housing costs.

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.

Our Firm is a Statistical Outlier
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We are a statistical outlier: We are young; we are female.

Should My Portfolio Asset Allocation Include Emerging Markets?
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A blended portfolio can perform better even as some of its components under perform due to the rebalancing bonus.

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.

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?”

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.

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!

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

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.

Q&A: Dividend Payouts and My Monthly Statement
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What’s the difference between Schwab’s “Ending Value” line and their “Ending Value with Accrued Income” line on my monthly statements?

Q&A: Can I Fund My Roth IRA with Appreciated Stock?
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Sadly, the IRS is very clear about this; contributions must be cash.

Q&A: My Baby was Gifted Cash. What Should I Do with It?
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As the parent, it can be hard to know what to do with a cash gift for a baby.

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?”

How to Analyze an Individual Stock
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Let’s use some of the publicly available information about HubSpot, Inc. (HUBS) to see what factors the stock shares.

Q&A: Can I Pay for My Student’s Computer Repair Using 529 Funds?
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In 2015, Congress passed the PATCH Act that included a provision which allowed computer purchases to be a qualified education expense for 529 plans. But what of computer repairs?

Understanding the 5-Year Holding Period, Roth Conversions, and Exceptions
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To avoid the 10% penalty, do I have to satisfy the 5-year holding period for my Roth conversions if I’m over age 59 1/2? The IRS is not very clear when it comes to when you need to pay penalties on Roth IRA withdrawals, but I think I know the answer.

Mailbag: How Do I Replenish A Bond Laddering Strategy?
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When you use a bond laddering strategy with funds, rebalancing to your asset allocation naturally buys and sells bond funds as appropriate.

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