Issue 18-44 | OCtObeR 29 - nOvembeR 4, 2009 
investors pull their money out of the actively managed funds with lower ex-
markets when it is falling and rein- pense ratios.
vest it back as it is rising. Behavioral If you are a business owner or HR
finance identifies and addresses these
director, seek a revenue-neutral in-
self-destructive actions. But solu-
vestment advisor. In other words, find
tions are lacking. Target date funds
someone who does not accept rev-
and managed accounts have helped
enue-sharing payments or commis-
guide 401(k) participants away from
sions from mutual fund companies.
the folly of focusing too closely on in-
When any mutual fund rebates these
dividual fund returns. Unfortunately,
revenue-sharing payments, a rev-
the termite damage remains.
enue-neutral advisor will pass these
Imagine a world without financial
payments back to the plan to offset
termites. A person who makes $60,000
fees. These investment advisors are
a year and invests in the company’s 3%
more likely to choose low-cost index
matching retirement plan would have
$434,947 in 30 years at market returns
funds rather than high-cost actively
Your Life. Your Home. Your Closing.
(8.35%). If this same investor, subject
traded funds. The best advisors are
to the termite gap, receives only aver-
fiduciaries. Registered Investment Ad-
age investor returns (1.87%), the port-
visor fiduciaries must disclose fees in Real Estate closing can be an intimidating and confusing
folio would be worth $143,108, nearly
writing, invoice the plan sponsor or
process. And, you don’t have one everyday. We do.
$300,000 less than expected.
plan for those stated fees and credit
Average employees cannot make
any revenue-sharing fees back to the
changes to their 401(k) provider. So
401(k) retirement trust. The goal Let us help you  nd your way home.
here are a few words of advice. We
for all employees and plan sponsors
usually recommend that people in- should be to capture as much of the
vest up to their match and no higher. market gains as possible. 
Maximize other low-cost investment
opportunities, including a Roth IRA,
Marotta Wealth Management, Inc. of
before saving unmatched money in
Charlottesville provides fee-only financial
a typical 401(k) plan. If you have left
planning and asset management. Visit
a job or are retired, roll your money
www.emarotta.com for more information.
over to an IRA that offers low-cost
Questions to be answered in the column
338 West Rio Road
investment options unencumbered
should be sent to questions@emarotta.
www.courtsquaretitle.com
Charlottesville, VA 22901
by excess fees. If you are currently com or Marotta Wealth Management, Tel 434.979.7799
employed, diversify your investments Inc., One Village Green Circle, Suite 100,
Fax 434.979.8819
among index funds and, if necessary, Charlottesville, VA 22903-4619.
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