David John Marotta

President
Marotta Wealth Management
Charlottesville, Virginia

David John Marotta, CFP®, AIF® is President of Marotta Wealth Management in Charlottesville, Virginia, where he develops the strategy for the organization, leads the management team, and spearheads the unique investment philosophy of the firm.

David founded Marotta Asset Management in 2000. He earned a Master's degree in Computer Science from the University of Oregon and a B.A. in Philosophy and Electrical Engineering from Stanford University.

He can be contacted by using his online form or by phone at 434-244-0000.

Content by David John Marotta

How Much Should I Have Saved Toward Retirement?

Measuring progress regularly on the path toward retirement is critical. Fall too far behind, and you risk not being able to save enough to catch up. There is no downside to arriving early.

  • 09/25/2012
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  • Retirement
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  • Article

How Much Should I Save Toward Retirement If I’m Starting Late?

Beginning at age 25 and retiring at 65, the appropriate savings rate is 15.4%. But starting just five years earlier, you could reach the same goal by saving just 11.1% each year.

  • 09/25/2012
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  • Retirement
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  • Article

How Much Should I Save for Retirement?

A safe savings rate gives you the best chance of having sufficient assets to retire at your target age. Being able to retire does not mean you must retire; it means you have gained financial independence.

  • 09/06/2012
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  • Retirement
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  • Article

Squirrel Away Money While You Can

In 1985, Franco Modigliani, an economics professor at MIT, won the Nobel Prize for a simple technique that squirrels know intuitively from birth - squirreling away some nuts during times of plenty so you can survive during times...

  • 08/13/2012
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  • Retirement
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  • Article

Smart Tax Planning for the Gap Years

A great tax planning strategy is to take advantage of the time between retirement and Social Security at age 70, the so-called gap years. With some planning for this gap, you can move income into the lower tax...

  • 08/13/2012
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  • Retirement
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  • Article

Investing In Gold

We've all seen the ads saying, ‘gold has never been worth zero!’ but then the S&P 500 has never been worth zero either. and the S&P 500 has never dropped 71% of its value over a 19-year period.

  • 08/06/2012
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  • Commodities
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  • Article

Emerging Market Bond Funds

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.

  • 06/04/2012
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  • International Markets
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  • Article

Securing Your Credit

Establishing good credit or bad credit takes time, as does fixing errors that appear on your report. Discovering these problems while sitting in your bank's loan office is no way to win.

  • 06/01/2012
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  • Family Finances
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  • Article

Investing in Gold and Silver Coins

Shares in a company appreciate in two ways. They appreciate with inflation as the company is worth more. They also appreciate as real work in the company adds value and earns a profit.

  • 05/22/2012
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  • Commodities
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  • Article

Considering A Withdrawal From Your IRA To Purchase Physical Silver? Think Again

Most investors who invest in physical silver are worried about holding dollars as the government devalues the currency. But holding precious metals means that the government will tax you 28% of whatever they devalue the currency by

  • 05/16/2012
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  • Commodities
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  • Article

Using Dynamic Asset Allocation to Boost Returns

Asset allocation is a buy-and-rebalance strategy. Portfolio rebalancing boosts returns. And thanks to a rebalancing bonus, this strategy produces portfolios with either higher returns or lower volatility.

  • 05/07/2012
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  • Intelligent Investing
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  • Article

The Shiller Ten-Year P/E Ratio

Using 10 years of earnings allows movements in price to play their important role in market cycles. After price has fallen but before earnings have recovered is the best time to invest.

  • 04/30/2012
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  • Intelligent Investing
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  • Article

Style Boxes and the Efficient Frontier

Picking and choosing to invest in specific asset classes comes with a cost. And one of the important principles of efficient investing is that costs matter. Total stock market indexes come with very low expense ratios.

  • 04/25/2012
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  • Intelligent Investing
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  • Article

Asset Allocation and the Efficient Frontier

The efficiency of an investment is measured by the greatest return for the lowest volatility. Blending a portfolio allocation can make it even more efficient by either boosting returns or lowering volatility.

  • 04/16/2012
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  • Intelligent Investing
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  • Article

The Efficient Frontier

Any investment that doesn't trend upward is not an investment. It has a zero or negative expected return. These are not investments. They are speculations.

  • 04/09/2012
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  • Intelligent Investing
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  • Article

Value: The Third Factor of Investing

In broad strokes, value stocks are cheap and growth stocks are expensive. But there are compelling reasons why an investor might be willing to pay more for a growth stock than a value stock.

  • 04/03/2012
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  • Intelligent Investing
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  • Article

Size: The Second Factor of Investing

The second factor of investing is size as measured by a stock's total capitalization. A stock's capitalization is found by multiplying the current share price times all the outstanding shares of stock.

  • 03/27/2012
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  • Intelligent Investing
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  • Article

CAPM: The First Factor of Investing

The capital asset pricing model (CAPM) was developed in the early 1960s, winning a Nobel Prize for its developers. CAPM adds a single factor to the equation: risk as measured by standard deviation.

  • 03/19/2012
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  • Intelligent Investing
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  • Article

Gain $152,000 by Smart Filing for Social Security

Social Security is not a simple piece of legislation. Since it became law in 1935, hundreds of amendments have added to the complexity. To make the best decision, you must consider health, income before retirement, income during retirement...

  • 03/13/2012
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  • Retirement
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  • Article

How to Select the Best Credit Card

The credit card company's job is to make as much money as possible, and your job is to keep as much money as possible. They are very good at their job.

  • 01/30/2012
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  • Family Finances
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  • Article

Investing Mostly In Bonds Could Mean A Scaled-Back Lifestyle In Retirement

What you must give up in your lifestyle to avoid market volatility is not worth it for most retirees. Make sure your portfolio asset allocation is set appropriately and well diversified across all six asset categories.

  • 12/02/2011
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  • Bonds
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  • Article
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