Newsletter Archive

Marotta On Money - November 23 Newsletter


Estate Planning

Utilizing Uncommon Beneficiary Designations (11-22-2015)

When you die, anything that you own which has titling is either given to your beneficiaries via your will or via a will substitute. Any titled asset which does not have a will substitute goes into probate, the legal court proceedings by which your will is read and your assets are retitled in the name of the beneficiaries declared in your will. If you die without a will (also known as intestate) and without will substitutes, then the court decides who your beneficiaries are.
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In The News

Radio: The Broken Promises of the Government

David Marotta was interviewed recently on radio 1070 WINA's Schilling Show discussing some of the government's broken promises and failures, including

  • Closing a Social Security filing option
  • Obamacare
  • Prioritizing good intentions over the rule of law

Listen to the radio show on our site's web player, or here.

Photo used under Flickr Creative Commons license.

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How Do Financial Advisors Earn Their Fee? (06-18-2012)

Most of our clients are frugal supersavers. Often they have accumulated their wealth not by earning more but by simply spending less. They are the millionaires next door living well below their means, which is why they have means. Few investors even ask how commission-based annuity salespeople earn their fee, but with fee-only advisors the question often arises. Investment fees are generally about 1% of assets under management and drop as assets rise above $1 million.
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