Articles

An advisor’s job is to recommend the optimum asset allocation regardless of how the client might answer a survey about risk tolerance.

When you finish your tax preparation, it is time to begin tax planning.

Saving money is not enough. You need to save and invest.

There are different tables and formulas used to calculate your RMD divisor based on your particular circumstances. Here is a calculator for the three most common.

“Develop spending discipline. People too often forget that the real enemy of investment is consumption.”

Inherited RMD rules demonstrates the power and importance of beneficiary designations and why it is so important to set them.

You can’t touch the earnings on your contributions until you’ve had an account open for 5 years and you’re either over age 59 ½ or you meet special exceptions.

Dividends and interest received from U.S debt obligations can be deducted on many state tax returns.

David John Marotta was interviewed on the Schilling Show discussing trickle-down economics and taxes.

Do mutual funds with 5-star Morningstar ratings have better future returns?

Less gouging doesn’t make T-shares meet the high principles-based fiduciary standard.

When a spouse inherits retirement account assets, they have the right to do what is called a “Spousal Rollover” or “Spousal Transfer.” It is almost always the right option.

HSAs have so many advantages over traditional IRAs that you should continue funding your HSA as long as possible and build as large an HSA investment balance as you can.

If you are a mixed-decade couple, take advantage of the Joint divisor by making your spouse your primary and sole beneficiary for your IRA and use the Joint Life and Last Survivor Expectancy Table to find your RMD.

David John Marotta was interviewed on the radio 1070’s Schilling Show discussing the difference between obstruction and resistance.