Business Details
26 Years
experience
Your Trusted Partner for Comprehensive Financial Planning Solutions
Marotta On Money is a fee-only fiduciary financial advisory firm dedicated to providing comprehensive wealth management solutions. With a focus on analytical precision and client-centric service, we specialize in crafting personalized investment strategies, tax planning, retirement analysis, and intergenerational planning. Our team of CERTIFIED FINANCIAL PLANNERS and Chartered Financial Analysts combines advanced credentials with practical expertise to serve clients locally in Charlottesville, VA, and nationwide. We prioritize transparency through quarterly reporting, asset allocation design, and a commitment to avoiding conflicts of interest by refusing commissions.Our approach emphasizes systematic rebalancing, low-cost investments, and educational resources to empower clients toward financial independence. Founded in 2000, we maintain an ensemble team structure to ensure continuity and disaster recovery, while our Freedom Investing methodology focuses on economically free countries for optimal returns. Client relationships are built on trust, frugality, and a fiduciary oath to act in clients' best interests at all times.
Services
Cash Flow Management
Asset Allocation Design
Fee-Only Fiduciary
Portfolio Management
Tax Planning
Retirement Savings Analysis
Roth Conversions
Capital Gains Management
Intergenerational Planning
Social Security Planning
Details
- Year established: 2000
Highlights and features
- We are fee-only fiduciaries with no conflicts of interest from commissions
- Our team includes CFP and CFA credentialed professionals with advanced expertise
- We implement systematic rebalancing and tax-efficient investment strategies
- Transparent quarterly reporting with time-weighted return metrics provided
- Freedom Investing methodology focuses on economically free countries for optimal returns
Services
Cash Flow Management
We optimize your investment liquidity by strategically managing cash reserves and automated transfers. Our system ensures sufficient funds for regular withdrawals while maximizing market exposure. By maintaining 6-months of planned expenses in cash, we decouple spending needs from market volatility, enabling disciplined investing through automated processes that grow wealth exponentially over time.
Asset Allocation Design
Customized asset allocation plans balance appreciation and stability through six core classes: Short Money, Bonds, Foreign Bonds, Stocks, Foreign Stocks, and Resource Stocks. We implement Freedom Investing by overweighting economically free countries, while systematically rebalancing to maintain optimal risk-return profiles tailored to individual withdrawal needs and financial goals.
Fee-Only Fiduciary
As NAPFA-registered fiduciaries, we receive no commissions and prioritize client interests exclusively. Our transparent fee structure based on assets under management aligns incentives with client success. We maintain strict independence through qualified custodians like Charles Schwab, ensuring complete accountability and ethical standards in all financial recommendations.
Tax Planning
We implement tax-efficient strategies across account types, including Roth conversions, capital gains harvesting, and strategic asset placement. Our approach minimizes lifetime tax liability through coordinated distribution planning from IRAs, taxable accounts, and qualified charitable distributions while maintaining portfolio integrity and long-term growth objectives.
Retirement Planning
Comprehensive retirement analysis combines spending projections, Social Security optimization, and required minimum distribution planning. We develop sustainable withdrawal strategies integrated with portfolio management to ensure financial security throughout retirement, adjusting dynamically to market conditions and evolving client needs while maintaining fiduciary standards.
People
David John Marotta
Founder & President
David founded Marotta On Money in 2000, bringing decades of experience in fiduciary financial planning. He pioneered Freedom Investing methodology and maintains active CFP credentials, focusing on systematic portfolio strategies and economic freedom principles.
Megan Russell
Chief Financial Educator
Megan leads client education initiatives with expertise in tax-efficient investing and retirement planning. As a CFA charterholder, she contributes to investment committee decisions and develops educational content emphasizing practical financial wisdom and frugal living strategies.
Questions
Are you a fee-only fiduciary financial advisor?
Yes, we are fee-only fiduciaries who receive no commissions. Our compensation comes directly from client fees based on assets under management, ensuring complete alignment with client interests.
Do you work with clients outside Charlottesville?
Yes, we serve clients across the United States through virtual meetings and electronic communication, maintaining the same high service standards regardless of geographic location.
What investment philosophy do you follow?
We use systematic rebalancing, tax-efficient strategies, and Freedom Investing™ focusing on economically free countries. Our approach emphasizes low-cost index funds and evidence-based portfolio management.
How do you report investment performance?
We provide quarterly reports showing time-weighted returns net of fees for each asset class and the portfolio as a whole, along with detailed performance summaries and fee disclosures.
Can I manage investments myself?
Yes, we encourage DIY investors through free educational content. Our Marotta's Gone-Fishing Portfolio offers a self-managed option with annual rebalancing recommendations for independent investors.
What credentials do your advisors hold?
Our team includes CERTIFIED FINANCIAL PLANNERS™ and Chartered Financial Analysts® with ongoing continuing education requirements, ensuring advanced expertise in comprehensive wealth management practices.
