Business Details
Trusted Fee-Only Financial Advisers in Charlottesville, VA
Marotta On Money is a fee-only financial advisory firm based in Charlottesville, Virginia, dedicated to helping clients achieve their financial goals through comprehensive wealth management. As independent fiduciaries, we prioritize client interests above all else, offering transparent, commission-free investment management and financial planning services. Our team adheres to the highest ethical standards through membership in the National Association of Personal Financial Advisors (NAPFA), ensuring full disclosure of conflicts and a commitment to client-centered relationships. We serve both local clients in central Virginia and customers nationwide, providing tailored financial plans that address individual circumstances and objectives.With a focus on collaboration and education, we maintain open communication throughout the planning process, seeking client approval before implementing any strategies. Our services cater particularly to small business owners, university professors, and other high savers who value professional financial management. We also empower do-it-yourself investors through freely available resources and educational content published on our website. Recognizing the lifelong nature of financial planning, we approach client relationships as enduring partnerships, continuously adapting strategies to evolving life circumstances and market conditions.
Services
Cash Flow Management
Asset Allocation
Fee-Only Fiduciary
Portfolio Management
Tax Planning
Retirement Analysis
Roth Conversions
Social Security Planning
Charitable Giving
College Planning
Highlights and features
- We operate as fiduciaries with NAPFA membership, guaranteeing client-first decision-making
- Our fee-only structure eliminates conflicts of interest from product commissions
- Transparent pricing with quarterly asset-based fees starting at 0.1%
- Comprehensive services covering tax planning, retirement analysis, and portfolio management
- Proven investment strategies including our proprietary Gone-Fishing Portfolio approach
Associations and certifications
- National Association of Personal Financial Advisors (NAPFA)
Services
Fee-Only Fiduciary
As NAPFA-registered fiduciaries, we provide unbiased financial guidance prioritizing client interests. Our fee-only structure eliminates conflicts from product commissions, ensuring recommendations focus solely on client needs. This approach builds trust through transparency and ethical accountability.
Portfolio Management
We create customized investment portfolios aligned with client goals and risk tolerance. Our strategies include asset allocation design, dynamic tilting, and the proprietary Gone-Fishing Portfolio approach. Ongoing management ensures portfolios remain optimized through market changes.
Tax Planning
Our tax-efficient strategies minimize liabilities through Roth conversions, capital gains management, and qualified charitable distributions. We coordinate with client accountants to implement tax-smart investment decisions that enhance after-tax returns.
Retirement Planning
We analyze retirement savings and spending needs to develop sustainable withdrawal strategies. Services include required minimum distribution planning, Social Security optimization, and retirement account management to ensure financial security in retirement years.
Estate Planning
Our intergenerational planning services coordinate with estate attorneys to implement donor-advised funds, charitable giving strategies, and wealth transfer plans. These solutions help clients preserve assets for beneficiaries while achieving philanthropic goals.
People
David John Marotta
President
David John Marotta founded Marotta On Money with over 25 years of experience in fiduciary financial planning. He specializes in tax-efficient investing and retirement strategies, contributing regularly to financial education through published articles and client workshops.
Megan Russell
Chief Financial Analyst
Megan Russell leads investment research and portfolio analysis with expertise in quantitative financial modeling. She contributes to the firm's strategic development of the Gone-Fishing Portfolio methodology and provides detailed market analysis for client portfolios.
Questions
What services do you offer?
We provide comprehensive financial planning including investment management, tax planning, retirement analysis, estate planning, and portfolio management. Our services cater to both individual investors and small business owners.
How are you compensated?
We operate on a transparent fee-only basis, charging quarterly asset-based fees starting at 0.1% of assets under management. We never receive commissions or third-party compensation.
Can I work with you remotely?
Yes, we serve clients nationwide through virtual meetings and digital communication tools. Our services are available to clients regardless of geographic location.
What is your investment approach?
We use evidence-based strategies including asset allocation, dynamic tilting, and our proprietary Gone-Fishing Portfolio methodology. Our approach focuses on long-term growth with periodic rebalancing.
Do you have minimum account requirements?
Our Collaborative service tier requires a $1,000 quarterly minimum, while Comprehensive service requires $2,500 quarterly. We offer scalable solutions for different portfolio sizes.
How do I get started?
Contact us through our website or call 434-244-0000 to schedule an initial consultation. We'll discuss your financial goals and determine the appropriate service level for your needs.
