Marotta On Money

2024 Market Outlook for Global Stock We agree with Kleintop's assessment that valuations suggest that international equities are poised for more gains.

The Democratization Of Wealth I say, "Let the rich be rich!"

CFP Board Cannot Be Expected To Discriminate Based on Fee-Only The CFP Board is compensation neutral, but it is only because of how they are paid.

How to Change a 529 Plan Account Owner While you may think that the account owner needs to stay the same, you can easily change the account owner.

Lower Expense Ratios, Higher Returns This simple example demonstrates the importance of expense ratio.

Open a Roth IRA Today or Regret It Later Seriously, open and fund your Roth IRA now. You'll regret it later if you don't get started now.

Biden Sets Aim on Specific Taxpayers Biden's state of the union address makes clear who he wants to tax.

How to Pay Off Student Loans While Building Wealth While your student loans may be a daunting sum, it is still possible to build wealth even while paying off student debt.

Charles Schwab Bank Fraud Dept Text Message Scam We recently had a client fall prey to a sophisticated Schwab Bank scam. They gave us permission to share this fraud story with you to hopefully prevent others from being scammed.

Less Economic Growth & More Taxes Without Congressional Action Alas, there is only one thing we can do to help dictate which kind of tax system we face and that is vote.

An Overview of Marotta’s 2024 Gone-Fishing Portfolios For our standard gone-fishing portfolio, we made two changes.

Marotta’s 2024 Gone-Fishing Portfolio Calculator This gone-fishing portfolio is our default portfolio which can be used at any custodian.

Marotta’s 2024 Vanguard Gone-Fishing Portfolio Calculator We recommend this gone-fishing portfolio for investors with brand loyalty to Vanguard.

Marotta’s Gone-Fishing Portfolio: Review of 2023 Returns Last year, our 2023 Marotta’s Gone-Fishing Portfolio was a recommendation of 12 stock investments. This article is to report on the 2023 performance of those twelve stocks.

Slow and Steady Wins the Race You can learn a lot about financial management from snapping turtles.

College Saving Strategies: One-Time Gift or Monthly Contribution? Once you have calculated the funding requirements for your college savings goals, there are three strategies for funding the accounts.

Diagnostic Tool: What Are Normal Market Movements? It is common for investors to be surprised by movements in their portfolios, but it is harder to determine if these movements mean that anything should be done.

Inherited RMD Update: IRS Waives 2024 Penalties and Delays to 2025 Taxpayers waiting for final guidance, have seen penalties waived for 2021 or 2022 RMDs, for 2023 RMDs, and now for 2024 RMDs.

Learning to Live on Your Own, Part 1 If you're like most of today's college graduates, you may find yourself ill prepared for the real world of financial responsibility. You never saw how your parents lived when they were first married and struggling. Consequently, you may be basing your after-school expectations on an upper-middle-cla...

Mindless Spending 1: Frequency Matters More Than Height We all think we can't be fooled by something as obvious as the the difference between height and width. But our brains are wired that way, without exception.

Freedom Investing in Review (April 2024) This quarter, we saw that in 1-year returns ending March 31, 2024, Developed Freedom Investing had a -5.8% disadvantage, Emerging Market Freedom Investing had a +3.83% advantage, and Overall Freedom Investing had a -2.89% disadvantage.

Account Funding Priorities for 2024 A savings waterfall helps investors navigate the financial complexity available to them.

Q&A: Can a 529 Reimburse for Last Year’s Expenses? Unfortunately, neither "yes" nor "no" is a correct answer to this question.

How to Ensure You Have a Strong Password With one memorable password protecting a vault of random ones, you can increase your security immensely while only mildly complicating your access.

States with Tax-Exempt Interest from U.S. Debt Obligations As always, it is best to confer with a tax professional on matters such as these.

Seven Rules to Using a Credit Card Safely These are the seven rules to using a credit card safely.

How to Keep Your Identity Safe Online Here are some rules for handling your digital security.

In Roth Conversions, Reducing Political Risk May Be One of the Benefits Converting early can avoid your exposure to tax changes going forward as a Roth IRA is never taxed again.

Tackling College Costs at the Eleventh Hour Don't borrow or withdraw money from your IRA.

2024 Index of Economic Freedom Update Last year, eleven countries made our cut-off. This year, twelve do.