#TBT Can a 529 Reimburse for Last Year’s Expenses?
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Unfortunately, there is no correct answer to this question, but here is what we do know.

#TBT How to Self-Insure for Long-Term Care Health Expenses
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Long-Term Care insurance is too risky and too expensive. If you can self-insure, you will likely be better off.

#TBT My Grandfather’s Journal: Don’t Be Afraid to Try
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I have enjoyed rereading the journal of my maternal grandfather, Donald Mortlock. He started writing it on his 75th birthday.

#TBT Appreciating Donor Advised Funds
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There are five ways that both you and the government could make charitable giving more significant.

#TBT Which Products Do You Buy and Which Do You Avoid?
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The selection of what products we purchase or avoid for clients is based solely on what we believe gives our clients the best chance to meet their goals.

#TBT Learning to Live on Your Own
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Here are several tips on how to live richly on your own.

#TBT How To Get Out Of Debt
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This five-part series on “How to Get Out of Debt” will try to address the concerns of those who have debt problems.

#TBT Customer Service Lessons from Toddler Parenting
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Although emotions do mature with age, many of the things that upset toddlers upset adults too, we just hide it better.

#TBT How to Fund Your Roth with Babysitting Money
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For domestic tasks like babysitting there are often two options: independent contractor or household employee. Taking the time to educate yourself on the difference may be worth your while.

#TBT 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. However, housing is one of many expenses that are subject to a reimbursement limit.

#TBT Taxing Capital Gains Unfairly Taxes Inflation
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Punishing people for inflation is neither fair nor good economic policy.

#TBT Things to Think About Before You Invest
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Knowledge and emotion can play off each other in ways that cause investing mistakes.

#TBT The Real and Present Danger of Inflation, Even for Babies
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Investors greatly underestimate the danger of inflation.

#TBT Never Lend to Family Without a Contract
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This 2015 article reminds us how unspoken expectations can cause relational strife but a written contract can protect the relationship.

#TBT One Method To Estimate Future Inflation Expectations
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One method of crowd sourcing expectations about inflation is to look at the current differences between the maturity rates of a 5-Year Treasury Bond and a 5-Year Treasury Inflation-Indexed Bond.

#TBT How to Handle Your Paycheck Like a Boss
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This throwback to Libby’s first article at Marotta teaches us how to be prepared for life’s expenses and plan ahead for all future goals.

#TBT Marotta’s Frequently Asked Questions
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When interviewing a new financial advisor, we believe there are at least ten important questions to ask. Then, just to be safe, we answered 32 frequently asked questions and welcome more.

#TBT In Which Investment Vehicle Should I Stage My Spending Money?
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The addition of stable investments can help dampen the risk and increase the chances of meeting your spending goals.

#TBT Most People Take Social Security At The Worst Possible Age
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This 2016 article reminds us that, “Unless you are certain that are going to die young, there is no good reason to risk starting Social Security at age 62.”

#TBT Three Strategies to Avoid Private Mortgage Insurance
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Avoiding PMI, if possible, is better for your long-term finances. Here are three strategies to avoid PMI.

#TBT Everyone Needs Some Frivolous Purchases
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Everyone needs some fun in their life, and sometimes fun costs a little money. This 2004 article shares six guidelines for dealing with purchases that might be considered frivolous.

#TBT What Is The Alternative To An Annuity?
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It is always a good time to be reminded that an immediate fixed annuity is not an investment; it is an insurance product. This 2015 article by David John Marotta is a methodical unraveling of annuities and a description of the far superior alternatives.

#TBT Best Practices for Trusts, Foundations, and Endowments
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“If you have been asked to serve as a board member or trustee for a non-profit organization, feeling honored is a natural response but a terrible reason for saying yes to the job. Your role as committee member, board member, or trustee will likely designate you as a fiduciary, a role with specific legal responsibilities.”

#TBT Which is Better: Bad Market Timing or Not Investing?
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This 2014 post reminds us that perhaps we should be more afraid of cash and inflation than stocks and investing.

#TBT It is Time to “Scrap the Tax Code”
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Our first article posted online is a wonder to behold. This 1998 beauty is written by George Marotta, founder of Marotta Money Management. In the article, he reminds us that, “Anyone of us could design a better system, but 500 congress people cannot resist the pressure groups who want to twist the code to benefit their particular constituencies.” Decades old, this post still rings true today.

#TBT How to Live on 24 Hours a Day
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A short quote from this 2004 inspiration, “Time is so much more than money. If you have time, you can acquire more money. But money can’t buy you more time. Time is a great equalizer. You can’t go into time debt. Every day the rich and the poor alike are given twenty-four hours to spend.”

#TBT Why the Tax on Your Roth Conversion Hurts So Much
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Roth conversions pay off. Repeat it to yourself now. Repeat it to yourself at tax time. Roth conversions pay off.

#TBT Is My House an Investment?
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For most families, the largest purchase they make will be their house. This 2011 post reminds us that the house you and your family live in is not an investment, but real estate can be.

#TBT How to Claim Your Virginia State Tax 529 Contribution Deduction
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Form ADJ of the 760 lines 8a – 8c are where you report miscellaneous deductions.

#TBT How Long Should I Keep Financial and Tax Records?
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Whenever the IRS challenges you, the burden of producing evidence that your claims are true rests entirely with you.

#TBT Do Children Need To File A Tax Return To Fund Their Roth IRA?
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Don’t let stress about tax filing requirements keep you or your child from a powerful opportunity to provide for their future.

#TBT No One Tells the IRS You Did a QCD Except You
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Be sure to remember to tell your tax preparer that you did a QCD.

#TBT How to Deduct U.S. Debt Obligations on State Tax Returns
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Some states do not tax their residents on income from a mutual fund that was earned on U.S. government obligations.

#TBT Do I Need to Pay Tax on This 1099-R?
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The given numbers on a 1099-R are insufficient to be able to fill out your tax return correctly. Knowledge of what was actually done is required in order to file your taxes accurately.

#TBT How to Report a Backdoor Roth or Nondeductible Contribution on Your Tax Return
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This 2020 article is for tax preparers of the world. If you did a backdoor Roth this year, send it to yours.

#TBT How Do You Value a Gift of Stock for Taxes?
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This straightforward article about how to value your charitable gifts of appreciated stock may help you in preparing your tax return this year.

#BestOf2020 Should I Change My Strategy During the Presidential Election Cycle?
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With timeless advice, this article can help you make decisions during uncertain times.

#BestOf2020 Should I Pull Out of the Stock Market Now?
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A timeless question with a consistent answer, this article helps you determine if your asset allocation is appropriate enough that you should continue to stay the course.

#BestOf2020 Who Pays Taxes and Penalties on 529 Distributions and How?
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Step by step, this article shows how you can determine what taxes and penalties are owed on non-qualified distributions.

#TBT A Year of Financially Healthy Habits
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Want to do the new year well? Here is a month-by-month guide for setting financially healthy habits.

#TBT The Happy Habits of Appreciation and Gratitude
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This 2016 article reminds us that “there is a very simple place to start the process of changing our destiny: Each day notice the things that make you happy and try experiencing more of them.”

#TBT Keep Christmas Your Own Way
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In “A Christmas Carol,” Ebenezer Scrooge calls Christmas a “humbug” because of the foolish way people celebrate it. This 2008 article reminds us that it is sometimes wise to simplify Christmas.

#TBT Three Strategies to Avoid Private Mortgage Insurance
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Avoiding PMI, if possible, is better for your long term finances. This 2016 article shares three strategies to avoid it.

#TBT Marotta on A Christmas Carol
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Charles Dickens’s A Christmas Carol is one of the best stories for talking about economics. This 2003 – 2012 series uses the classic tale to illustrate different financial personalities, principles, and philosophies.

#TBT Our Customized Roth Conversion Recommendations
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This 2017 article reminds us that there is not one best Roth conversion plan that you can apply to everyone.

#TBT What Are Normal Market Movements?
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It is common for investors to be surprised by movements in their portfolios. This 2019 article reminds us though that even volatile movements can be quite normal.

#TBT Your Election Reactions May Impoverish Your Investment Gains
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Don’t let your political emotions impoverish your financial well-being.

#TBT Don’t Let Politics Make You Afraid of Investing
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Election results should not change a well crafted investment strategy.

#TBT Are Democrats Or Republicans Better For The Stock Market?
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This 2017 article reminds us, “Stock market returns have little to do with which party holds the White House.”

#TBT Vote Early Instead of Voting Absentee (Virginia)
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Voting early is as easy as voting in-person. You can vote whenever is convenient for you including right now and until October 30.

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