Newsletter Archive

Marotta On Money - January 26 Newsletter


Estate Planning

One Hidden Way the IRS Hurts the Bereaved (01-25-2015)

It is often said that the only two certainties in life are death and taxes. The IRS takes that truism to heart by first obligating you to calculate when you are likely to die and then making you pay taxes accordingly. The Individual Retirement Account (IRA) was created to help people save for retirement in a tax-advantageous way. With a Roth IRA, your contributions come from already taxed money. Retirement withdrawals are not taxed. With a traditional IRA, contributions reduce your current taxable income, but future withdrawals during retirement are taxable. Roth IRAs benefit those in low tax brackets now.
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In The News

David Marotta speaking at Financial Planning Association Meeting at Virginia Tech

Talk: Comprehensive Fiduciary Care, by David John Marotta

Date/Time: Monday, February 2, 2015 from 7:00pm-8:15pm

Location: Student Chapter of Financial Planning Association at Virginia Tech (350 Lavery Hall)

Details: While aimed at educating the next generation of financial planners on what it means to be a fiduciary and look out for the interests of clients, this talk is free and open to the public.

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Retirement Wisdom Part 1 - Plan Ahead (10-25-2004)

Most families have not planned for their retirement. They may save toward their retirement, but without a plan their saving is random and haphazard. Retirement decisions today can only be made in the context of accurate math projections that span decades. Saving what you can and hoping for the best is an expensive and dangerous approach. Every seven years you delay can cut your retirement assets in half. That means that if you under fund your retirement for the next seven years you will have to save double what you should have saved in the following 7 years in order to catch up.
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Retirement Planning