We strive to provide the necessary resources for anyone to prepare their own investment plan and meet their financial objectives. We actively encourage the do-it-yourself people of financial planning to subscribe to our newsletter and provide themselves with comprehensive wealth management. For people who don’t want to do it alone, we encourage you to see if we are a good fit for you and get started as a client.
Safe Withdrawal Rates, Asset Allocation, and the Importance of Staying Invested
on May 1, 2018
with No Comments
Our firm has become known for our method of computing maximum safe withdrawal rates in retirement. Our safe withdrawal rates are based on having what we believe to be optimum asset allocation targets.
Why the Tax on Your Roth Conversion Hurts So Much
on April 30, 2018
with No Comments
Be brave. Fund your Roth. Convert your IRA. Pay your tax bill. Your future self will thank you.
Donor-Advised Fund Comparison 2018
on April 27, 2018
with No Comments
Even though we recommend Vanguard as a custodian for our readers who are just starting out with investing, they are not our first choice when it comes to Donor Advised Funds.
New SEC Advice Rule Abandons Fiduciary Standard For Brokers
on April 26, 2018
with No Comments
The SEC released an embarrassingly poor 1,000 page document.
How to Find Your True Calling
on April 24, 2018
with No Comments
A 2014 post called “7 Strange Questions That Help You Find Your Life Purpose” has seven good questions for life planning. Here’s the radio edit version of that post.
Radio: Is This Law Worth Raising an Army and Fighting the Citizens Over?
on April 23, 2018
with No Comments
On April 10, 2018, David John Marotta appeared on Radio 1070 WINA’s Schilling Show to discuss the question: What is worth using the government’s threat of violence?
SEC Isn’t Enforcing The Law
on April 23, 2018
with No Comments
In 2007 the Financial Planning Association won a lawsuit that it filed against the SEC to force them to enforce the registration provisions of the 1940 Investment Advisors Act. The law still isn’t enforced.
First Quarter 2018 Returns for Our 6 Asset Classes
on April 20, 2018
with No Comments
Although volatility is often unwelcome by investors, it can provide profitable returns.
What Does It Mean To Be An Accredited Investor?
on April 19, 2018
with No Comments
“One principal purpose of the accredited investor concept is to identify persons who can bear the economic risk of investing in these unregistered securities.”
Why The 4% Rule Is Not A Sufficient Withdrawal Strategy
on April 17, 2018
with No Comments
Determining what constituted a safe withdrawal rate was one of the first questions I tackled. After a year and a half of study on the question, I had realized the inadequacy of the 4% rule and found a methodology which provides more useful when advising clients.
Marotta’s 2018 eTrade Gone-Fishing Portfolio
on April 16, 2018
with No Comments
This post explains the methodology for building a portfolio limited to the commission-free exchange traded funds (ETFs) on the eTrade platform.
Marotta’s 2018 eTrade Gone-Fishing Portfolio Calculator
on April 16, 2018
with No Comments
We recommend this gone fishing portfolio for accounts hosted at eTrade.
How to Avoid an IRMAA Medicare Premium Surcharge 2018
on April 13, 2018
with No Comments
Depending on your particular case and Social Security agent, you may get your surcharge waived, lowered, or upheld.
Do Large Roth Conversions Require Backdoor Roth Contributions? (2017)
on April 12, 2018
with No Comments
Luckily for Roth lovers like us, you don’t have to choose between Roth conversions or Roth contributions.
The Complete Guide to DIY Household Cleaners
on April 10, 2018
with No Comments
I began my DIY journey learning about science, so it feels best to start you there as well.