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#TBT A Wealth of Satisfaction
on March 9, 2023
with No Comments
This 2011 article reminds us that there will never be another you in the history of the universe. Sometimes that is just the reminder we need.
Retirement Plans Allow Roth Employer Contributions Now (Secure 2.0)
on March 7, 2023
with No Comments
For those who run a retirement plan, the next step for implementing this change is to email your plan provider.
High Wages Limit Catch-Up Options to Only Roth in 2024 (Secure 2.0)
on March 3, 2023
with No Comments
Hopefully over all this amendment encourages employer plans to offer Roth options, which will be good for taxpayers, even if this additional wealthy discrimination is unwelcome.
#TBT The Benefits of Saving and Investing Early
on March 2, 2023
with No Comments
This 2014 article reminds us: don’t wait until you “have more” or “make extra money” – start saving now! It is worth more.
Contribution Basis is Prorated for Roth 401(k) Withdrawals But Not Roth IRA
on February 28, 2023
with No Comments
In a designated Roth account like a Roth 401(k), each early distribution is treated as coming part from contribution basis and part from earnings.
No More Roth 401(k) RMDs in 2024 (Secure 2.0)
on February 24, 2023
with No Comments
This update amends the Roth-side of employer retirement plans to behave more like Roth IRAs prior to death.
#TBT Speed Is Not Critical When Investing
on February 23, 2023
with No Comments
Using the analogy of a peach orchard farmer compared to a doomsday weather watcher, David Marotta reminds us in this 2004 article that “For the speculator, speed is everything. Not so, for the investor.”
Radio: Inflation in December 2022
on February 21, 2023
with No Comments
On Tuesday, December 13, 2022, David John Marotta appeared on Radio 1070 WINA’s Schilling Show with Rob Schilling to talk about the causes of inflation.
Freedom Investing By Quarter in 2022
on February 17, 2023
with No Comments
Here is a review of the performance of Freedom Investing in 2022.
#TBT Where to Find Statements and Tax Documents on Schwab.com
on February 16, 2023
with No Comments
Following this guide, you should be able to easily download any account documents you want.
Virtual Class: Success and Significance in Retirement (OLLI 2023)
on February 14, 2023
with No Comments
The class will be held April 13 through May 4, 2023 each Thursday from noon to 1:00 PM on Zoom.
Freedom Investing in Review (December 2022)
on February 10, 2023
with No Comments
This quarter, we saw that in 1-year returns ending December 31, 2022, Developed Freedom Investing had a +0.13% advantage, Emerging Market Freedom Investing had a +0.45% advantage, and Overall Freedom Investing had a +0.77% advantage.
#TBT For Valentine’s Day, Work on a Budget Together
on February 9, 2023
with No Comments
Financial planning can be romantic. As this 2011 article reminds us, “nothing is more romantic than planning how to realize your shared hopes and dreams for the future.”
Even Down, Biotechnology Still Had a Place in Efficient Portfolios (2022 Analysis)
on February 7, 2023
with No Comments
Biotechnology’s low correlation, the very thing that makes you dislike it, is specifically what gives it a place in efficient portfolios.
2023 Tax Facts
on February 3, 2023
with No Comments
Here is a reference chart with 2023 income tax rates, capital gains rates, retirement contribution limits, and more.