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Our Articles

Emerging Market Bond Funds
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Emerging market bonds are an attractive way to get a higher yield, but historically they have come with higher volatility and a high incidence of default. But that has been changing.

Radio: Ten Best ETFs of 2012
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David John Marotta was interview on radio 1070 WINA’s Schilling Show discussing why you shouldn’t hold gold or cash, how governments can destabalize economies, and what investments you should hold instead.

Crunching Numbers As Wedding Bells Toll
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Many parents feel obliged to pay for their child’s wedding, but financial advisers can try to help keep the spending under control. About one in three mass-affluent parents believe it is their duty to pick up about half the bill for their first child’s wedding.

Self-Employed Retirement Plans: Solo 401(k) versus SEP IRA (2012)
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The SEP IRA and solo/individual 401(k) are the two most common retirement plans chosen by successful self-employed people due to their high contribution limits.

Our Highest Value to Clients
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Wisdom is the ability to exercise good judgement in the fact of imperfect knowledge. Sometimes that means reframing the question.

Most Commission-Based Advisors Caught Failing Clients in Research Sting
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Study in Boston area, with undercover actors posing as clients, showed commission-based advisors putting their own interests first

Securing Your Credit
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A U.S. Public Interest Research Group report in 2004 found that one in four credit reports have serious errors that could significantly lower your chances of being approved.

The IRA Charitable Donation in 2012
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The tax code provision that allowed IRA owners to contribute up to $100,000 directly from their IRA to the qualified charity of their choice–without recognizing the donation as income–expired at the end of 2011, but what if it is reinstated?

Aiming For Advisors
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I read a number of articles touting the growth and “advantages” of annuities. Personally, I’ve never met an annuity I liked.

$ ?s: Three Reasons to Be Thankful You Avoided the Facebook IPO
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Huge financial incentives motivate a newly minted public stock to attempt to keep their best foot forward just long enough for the early investors to maximize their profits.

What Does Clark Howard Really Think of Variable Annuities?
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“Variable annuities are garbage. They have huge expenses; big fees if you try to bag out before a certain point; and massive tax problems compared to other ways you can invest. But that’s what you’ll probably be steered to by a commissioned insurance salesperson.”

How Does Marital Status Affect Your Federal Taxes?
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Laws have always regulated who may marry, the obligations related to marriage and children and whether and how a marriage can be ended. Governments have always put their own social agenda above the pluralism of personal choice.

How Have Emerging Market Equities Performed?
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I was on the radio today and someone called in claiming that Vanguard Emerging Market ETF (VWO) had done nothing but go down in value.

Investing in Gold and Silver Coins
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A large number of people in the United States are worried about our profligate spending and the resulting devaluation of our currency. They are worried about politics and socialism and the economy.

The 85% College Savings Plan
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To assess our progress toward funding all three children, I have created age-based benchmarks that I share here.

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