CAS News
Recovering from Identity Theft

Organize your fight against crime •Be prepared with the information you’ll need to give •Keep a log of your conversations (dates, names of the people you speak with, and a summary of what’s discussed •Follow up in writing •Keep copies of your correspondence •Keep the originals of supporting documents; send copies •Keep old files even after the case is closed, just in case
You’ve read about it, and you thought it would never happen to you. But suddenly your bank account is empty, your credit card bills are through the roof, and you’re getting late notices for accounts you don’t own. Your identity has been stolen. What now?
Time is money
To minimize your losses, act fast. Contact, in this order:
- Your credit card companies
- Your bank
- The three major credit bureaus
- Local, state, or federal law enforcement authorities
Your credit card companies
Credit card companies are getting better at detecting fraud; in many cases, if they spot activity outside the mainstream of your normal card usage, they’ll call you to confirm that you made the charges. But the responsibility to notify them of lost or stolen cards is still yours.
If you do so in a reasonable time (within 30 days after you discover the loss), you won’t be responsible for more than $50 per card in fraudulent charges. Ask that the accounts be closed at your request, and open new accounts with password protection.
If an identity thief opens new accounts in your name, you’ll need to prove it wasn’t you who opened them. Ask the creditors for copies of application forms or other transaction records to verify that the signature on them isn’t yours.
Follow up your initial creditor contacts with letters indicating the date you reported the loss or theft. Watch your subsequent monthly statements from the creditor; if any fraudulent charges appear, contest them in writing.
Your bank
If your debit (ATM) card is lost or stolen, you won’t be held responsible for any unauthorized withdrawals if you report the loss before it’s used. Otherwise, the extent of your liability depends on how quickly you report the loss.
- If you report the loss within two business days after you notice the card is missing, you’ll be held liable for up to $50 of unauthorized withdrawals. (If the card doubles as a credit card, you may not be protected by this limit.)
- If you fail to report the loss within two days after you notice the card is missing, you can be held responsible for up to $500 in unauthorized withdrawals.
- If you fail to report an unauthorized transfer or withdrawal that’s posted on your bank statement within 60 days after the statement is mailed to you, you risk unlimited loss.
If your checkbook is lost or stolen, stop payment on any outstanding checks, then close the account and open a new one. Dispute any fraudulent checks accepted by merchants in order to prevent collection activity against you.
The three major credit bureaus
If your credit cards have been lost or stolen, call the fraud number of any one of the three national credit reporting agencies:Equifax, Experian, and TransUnion. You need to contact only one of the three; the one you call is required to contact the other two.
Next, place a fraud alert on your credit report. If your credit cards have been lost or stolen, and you think you may be victimized by identity theft, you may place an initial fraud alert on your report. If you become a victim of identity theft (an existing account is used fraudulently or the thief opens new credit in your name), you may place an extended fraud alert on your credit report once you file a report with a law enforcement agency.
Once a fraud alert has been placed on your credit report, any user of your report is required to verify your identity before extending any existing credit or issuing new credit in your name. For extended fraud alerts, this verification process must include contacting you personally by telephone at a number you provide for that purpose.
Most states now allow you to “freeze” your credit report. (In the few that don’t, the credit bureaus allow state residents to freeze their reports voluntarily.) Once you freeze your report, no one–creditors, insurers, and even potential employers–will be allowed access to your credit report unless you “thaw” it for them.
To freeze your credit report, you must contact all three major credit reporting agencies. In many cases, victims of identity theft are not charged a fee to freeze and/or thaw their credit reports, but the laws vary from state to state. Contact the office of the attorney general in your state for more information.
If you discover fraudulent transactions on your credit reports, contest them through the credit bureaus. Do so in writing, and provide a copy of the identity theft report you file. You should also contest the fraudulent transaction in the same fashion with the merchant, bank, or creditor who reported the information to the credit bureau. Both the credit bureaus and those who provide information to them are responsible for correcting fraudulent information on your credit report, and for taking pains to assure that it doesn’t resurface there.
Law enforcement agencies
While the police may not catch the person who stole your identity, you should file a report about the theft with a federal, state, or local law enforcement agency. Once you’ve filed the report, get a copy of it; you’ll need it in order to file an extended fraud alert with the credit bureaus. You may also need to provide it to banks or creditors before they’ll forgive any unauthorized transactions.
When you file the report, give the law enforcement officer as much information about the crime as possible: the date and location of the loss or theft, information about any existing accounts that have been compromised, and/or information about any new credit accounts that have been opened fraudulently. Write down the name and contact information of the investigator who took your report, and give it to creditors, banks, or credit bureaus that may need to verify your case.
If the theft of your identity involved any mail tampering (such as stealing credit card offers or statements from your mailbox, or filing a fraudulent change of address form), notify the U.S. Postal Inspection Service. If your driver’s license has been used to pass bad checks or perpetrate other forms of fraud, contact your state’s Department of Motor Vehicles. If you lose your passport, contact the U.S. Department of State. Finally, if your Social Security card is lost or stolen, notify the Social Security Administration.
Follow through
Once resolved, most instances of identity theft stay resolved. But stay alert: Monitor your credit reports regularly, check your monthly statements for any unauthorized activity, and be on the lookout for other signs (such as missing mail and debt collection activity) that someone is pretending to be you.
Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2015.
Transitioning to Retirement?
Five questions to ask that will make an impact on your financial well-being.
Jill Ciccarelli Rapps | Life in Naples Magazine | February 2015
Your retirement date may come with mixed emotions. Finally you can have a flexible schedule! At first thought this sounds great, but you may also have that nagging voice that says….what will I do with all my time? What will give me purpose? How much money will be enough? Besides getting emotionally prepared, what questions should you ask to prepare yourself financially?
What is your current lifestyle costing you? A good exercise is to go back at least six months and document your expenses categorizing them by fixed (have to) and discretionary (want to). Don’t forget to include your one-time expenses that may occur outside of the six months you may be reviewing. How will your retirement increase or decrease your expenses? You may pay off your mortgage and not have monthly payments, you may decide you will travel more or you will visit your children/grandchildren several times a year. All of these things should be captured and an estimated budget should be attached to them.
Now the fun part, spend some quality quiet time and ask yourself what new things do I want to learn, get involved in, volunteer for, or are on my bucket list in retirement? I suggest to use a sheet of paper and divide it in four quadrants; label the bottom quadrants things that “have to” get accomplished in your life and label one quadrant short term goals (less than 5 years) and one long term goals (5 years and more). The upper quadrants represent your “want to” items, things that you wish for but are not necessary, like having a second home in the mountains. When you are doing this exercise you want to think big, this is your bucket list! If you are married, you and your spouse should complete this exercise on your own, then share your goal sheet with one another. Be generous rather than conservative and put a budget next to the items that have a monetary cost.
Will you be taking care of anyone during your lifetime… aging parents, a good friend, your children, your grandchildren? If so, you will need to assess, based on the circumstance, what this may look like in the future and again how much should be budgeted to this area. This can be difficult to do because this may not be very apparent to you now.
Are you interested in leaving a legacy or being able to help your children/grandchildren during your life time with big life events like their education, first home, health care? You know the drill, put a budget to it.
And last but not least, go through a health care assessment for yourself. How much will your future health care cost? Consider out-of-pocket expenses, before and after Medicare “kicks” in, and if you are willing to spend money staying healthy in areas your insurance may not cover. If so, how much will it take? If you have a long term care situation, what should you be prepared for?
Finally, after you have answered the above questions thoroughly, use a simple calculation; take your projected expenses in retirement and divide it by a reasonable withdrawal rate, like 4% (this will vary and should be reviewed with your financial advisor), to come up with what lump sum you may need in retirement. With this scenario, if your expenses in retirement are projected to be $150,000, than you may need $3,750,000 to sustain your income well into your aging years. Your financial advisor can help you answer the above questions and can use technology to project several different scenarios. Clarify what your “magical retirement number” is and feel comfortable that you have enough to last your lifetime in good and challenging economic times. Now… it is time to put a plan together!
Wisdom through Generations: What’s In Your Family Treasure Chest?
Jill Ciccarelli Rapps | Life in Naples Magazine | February 2015
Wisdom has been regarded as one of four cardinal virtues; and as a virtue, it is a habit or disposition to perform the action with the highest degree of adequacy under any given circumstance. What if we could easily “pay our wisdom forward;” take the responsibility to share our life lessons especially to those in an earlier generation in a way that could make a difference right away? Keeping this in mind, how do we “break” a habit we have developed through our experiences that may not be serving us well and will most likely not serve the future generations? What would your most important life lessons be? What would you like to break away from?
My Father says, “Money is relatively unimportant, but in order to keep it that way you have to have it.” His lesson is that life’s focus should be about family, friends, health, helping others, finding our purpose, and living life to the fullest. By not worrying about money, we have more latitude to focus on what is important in our lives. Thus began my journey to learn more about money; how to grow it, preserve it, and give it away in a meaningful way.
My parents instilled in me that anything is possible if we start with a clear intention. When it comes to managing our money, it is important to have a clear understanding of what we want to accomplish. We should not restrict ourselves by limited thinking or beliefs that don’t serve us. Once we realize that our limited beliefs are just thoughts, that do not really represent who we are, they can be “released”. This can create a whole new awareness helping us to “step” into our “money greatness”.
Once our intentions are clarified, it is a good idea to put a clear roadmap together, so each day we can accomplish a small step towards our goal. This keeps us on track and helps us move forward even when we may have a sense of being overwhelmed.
Although it is important to have an end goal in mind, we should not be attached to the end result. Most likely it is the journey that fulfills our lives. We need to stay flexible during our journey and open for new opportunities. Reason being, it is possible that our end result isn’t really maximizing our best “money self”; there may be other possibilities that show up when we are ready.
Join me at the Aging Gracefully Women’s Wellness Community Conference on May 9th, 2015. I am looking forward to sharing my seven most important life lessons about creating and preserving financial freedom for you and your family.
We invite you to share with us your most important life lesson on social media using the hashtag #lifelessons2015 and we will share them at the conference.
èBella Connect: 360° Retirement
DATE: March 26
TIME: 5 p.m. (Light appetizers and refreshments served)
WHERE: Collier County Public Library, theater 2385 Orange Blossom Drive, Naples
RSVP: 239-591-2709 or eBellaConnectMar26.eventbrite.com
Net Unrealized Appreciation: The Untold Story
If you participate in a 401(k), ESOP, or other qualified retirement plan that lets you invest in your employer’s stock, you need to know about net unrealized appreciation–a simple tax deferral opportunity with an unfortunately complicated name.
When you receive a distribution from your employer’s retirement plan, the distribution is generally taxable to you at ordinary income tax rates. A common way of avoiding immediate taxation is to make a tax-free rollover to a traditional IRA. However, when you ultimately receive distributions from the IRA, they’ll also be taxed at ordinary income tax rates. (Special rules apply to Roth and other after-tax contributions that are generally tax free when distributed.)
But if your distribution includes employer stock (or other employer securities), you may have another option–you may be able to defer paying tax on the portion of your distribution that represents net unrealized appreciation (NUA). You won’t be taxed on the NUA until you sell the stock. What’s more, the NUA will be taxed at long-term capital gains rates–typically much lower than ordinary income tax rates. This strategy can often result in significant tax savings.
What is net unrealized appreciation?
A distribution of employer stock consists of two parts: (1) the cost basis (that is, the value of the stock when it was contributed to, or purchased by, your plan), and (2) any increase in value over the cost basis until the date the stock is distributed to you. This increase in value over basis, fixed at the time the stock is distributed in-kind to you, is the NUA.
For example, assume you retire and receive a distribution of employer stock worth $500,000 from your 401(k) plan, and that the cost basis in the stock is $50,000. The $450,000 gain is NUA.
How does it work?
At the time you receive a lump-sum distribution that includes employer stock, you’ll pay ordinary income tax only on the cost basis in the employer securities. You won’t pay any tax on the NUA until you sell the securities. At that time the NUA is taxed at long-term capital gain rates, no matter how long you’ve held the securities outside of the plan (even if only for a single day). Any appreciation at the time of sale in excess of your NUA is taxed as either short-term or long-term capital gain, depending on how long you’ve held the stock outside the plan.
Using the example above, you would pay ordinary income tax on $50,000, the cost basis, when you receive your distribution. (You may also be subject to a 10% early distribution penalty if you’re not age 55 or totally disabled.) Let’s say you sell the stock after ten years, when it’s worth $750,000. At that time, you’ll pay long-term capital gains tax on your NUA ($450,000). You’ll also pay long-term capital gains tax on the additional appreciation ($250,000), since you held the stock for more than one year. Note that since you’ve already paid tax on the $50,000 cost basis, you won’t pay tax on that amount again when you sell the stock.
If your distribution includes cash in addition to the stock, you can either roll the cash over to an IRA or take it as a taxable distribution. And you don’t have to use the NUA strategy for all of your employer stock–you can roll a portion over to an IRA and apply NUA tax treatment to the rest.
What is a lump-sum distribution?
In general, you’re allowed to use these favorable NUA tax rules only if you receive the employer securities as part of a lump-sum distribution. To qualify as a lump-sum distribution, both of the following conditions must be satisfied:
- It must be a distribution of your entire balance, within a single tax year, from all of your employer’s qualified plans of the same type (that is, all pension plans, all profit-sharing plans, or all stock bonus plans)
- The distribution must be paid after you reach age 59½, or as a result of your separation from service, or after your death
There is one exception: even if your distribution doesn’t qualify as a lump-sum distribution, any securities distributed from the plan that were purchased with your after-tax (non-Roth) contributions will be eligible for NUA tax treatment.
NUA is for beneficiaries, too
If you die while you still hold employer securities in your retirement plan, your plan beneficiary can also use the NUA tax strategy if he or she receives a lump-sum distribution from the plan. The taxation is generally the same as if you had received the distribution. (The stock doesn’t receive a step-up in basis, even though your beneficiary receives it as a result of your death.)
If you’ve already received a distribution of employer stock, elected NUA tax treatment, and die before you sell the stock, your heir will have to pay long-term capital gains tax on the NUA when he or she sells the stock. However, any appreciation as of the date of your death in excess of NUA will forever escape taxation because, in this case, the stock will receive a step-up in basis. Using our example, if you die when your employer stock is worth $750,000, your heir will receive a step-up in basis for the $250,000 appreciation in excess of NUA at the time of your death. If your heir later sells the stock for $900,000, he or she will pay long-term capital gains tax on the $450,000 of NUA, as well as capital gains tax on any appreciation since your death ($150,000). The $250,000 of appreciation in excess of NUA as of your date of death will be tax free.
Some additional considerations
- If you want to take advantage of NUA treatment, make sure you don’t roll the stock over to an IRA. That will be irrevocable, and you’ll forever lose the NUA tax opportunity.
- You can elect not to use the NUA option. In this case, the NUA will be subject to ordinary income tax (and a potential 10% early distribution penalty) at the time you receive the distribution.
- Stock held in an IRA or employer plan is entitled to significant protection from your creditors. You’ll lose that protection if you hold the stock in a taxable brokerage account.
- Holding a significant amount of employer stock may not be appropriate for everyone. In some cases, it may make sense to diversify your investments.
- Be sure to consider the impact of any applicable state tax laws.
When is it the best choice?
In general, the NUA strategy makes the most sense for individuals who have a large amount of NUA and a relatively small cost basis. However, whether it’s right for you depends on many variables, including your age, your estate planning goals, and anticipated tax rates. In some cases, rolling your distribution over to an IRA may be the better choice. And if you were born before 1936, other special tax rules might apply, making a taxable distribution your best option.
Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2015.
How Much Annual Income Can Your Retirement Portfolio Provide?
Your retirement lifestyle will depend not only on your assets and investment choices, but also on how quickly you draw down your retirement portfolio. The annual percentage that you take out of your portfolio, whether from returns or the principal itself, is known as your withdrawal rate. Figuring out an appropriate initial withdrawal rate is a key issue in retirement planning and presents many challenges.
Why is your withdrawal rate important?
Take out too much too soon, and you might run out of money in your later years. Take out too little, and you might not enjoy your retirement years as much as you could. Your withdrawal rate is especially important in the early years of your retirement; how your portfolio is structured then and how much you take out can have a significant impact on how long your savings will last.
Gains in life expectancy have been dramatic. According to the National Center for Health Statistics, people today can expect to live more than 30 years longer than they did a century ago. Individuals who reached age 65 in 1950 could anticipate living an average of 14 years more, to age 79; now a 65-year-old might expect to live for roughly an additional 19 years. Assuming rising inflation, your projected annual income in retirement will need to factor in those cost-of-living increases. That means you’ll need to think carefully about how to structure your portfolio to provide an appropriate withdrawal rate, especially in the early years of retirement.
Current Life Expectancy Estimates
Men: at birth – 76.4, at age 65 – 82.9
Women: at birth – 81.2, at age 65 – 85.5
Source: NCHS Data Brief, Number 168, October 2014
Conventional wisdom
So what withdrawal rate should you expect from your retirement savings? The answer: it all depends. The seminal study on withdrawal rates for tax-deferred retirement accounts (William P. Bengen, “Determining Withdrawal Rates Using Historical Data,” Journal of Financial Planning, October 1994) looked at the annual performance of hypothetical portfolios that are continually rebalanced to achieve a 50-50 mix of large-cap (S&P 500 Index) common stocks and intermediate-term Treasury notes. The study took into account the potential impact of major financial events such as the early Depression years, the stock decline of 1937-1941, and the 1973-1974 recession. It found that a withdrawal rate of slightly more than 4% would have provided inflation-adjusted income for at least 30 years.Conventional wisdom
Other later studies have shown that broader portfolio diversification, rebalancing strategies, variable inflation rate assumptions, and being willing to accept greater uncertainty about your annual income and how long your retirement nest egg will be able to provide an income also can have a significant impact on initial withdrawal rates. For example, if you’re unwilling to accept a 25% chance that your chosen strategy will be successful, your sustainable initial withdrawal rate may need to be lower than you’d prefer to increase your odds of getting the results you desire. Conversely, a higher withdrawal rate might mean greater uncertainty about whether you risk running out of money. However, don’t forget that studies of withdrawal rates are based on historical data about the performance of various types of investments in the past. Given market performance in recent years, many experts are suggesting being more conservative in estimating future returns.
Note: Past results don’t guarantee future performance. All investing involves risk, including the potential loss of principal, and there can be no guarantee that any investing strategy will be successful.
Inflation is a major consideration
To better understand why suggested initial withdrawal rates aren’t higher, it’s essential to think about how inflation can affect your retirement income. Here’s a hypothetical illustration; to keep it simple, it does not account for the impact of any taxes. If a $1 million portfolio is invested in an account that yields 5%, it provides $50,000 of annual income. But if annual inflation pushes prices up by 3%, more income–$51,500–would be needed next year to preserve purchasing power. Since the account provides only $50,000 income, an additional $1,500 must be withdrawn from the principal to meet expenses. That principal reduction, in turn, reduces the portfolio’s ability to produce income the following year. In a straight linear model, principal reductions accelerate, ultimately resulting in a zero portfolio balance after 25 to 27 years, depending on the timing of the withdrawals.
Volatility and portfolio longevity
When setting an initial withdrawal rate, it’s important to take a portfolio’s ups and downs into account–and the need for a relatively predictable income stream in retirement isn’t the only reason. According to several studies done in the late 1990s and updated in 2011 by Philip L. Cooley, Carl M. Hubbard, and Daniel T. Walz, the more dramatic a portfolio’s fluctuations, the greater the odds that the portfolio might not last as long as needed. If it becomes necessary during market downturns to sell some securities in order to continue to meet a fixed withdrawal rate, selling at an inopportune time could affect a portfolio’s ability to generate future income.
Making your portfolio either more aggressive or more conservative will affect its lifespan. A more aggressive portfolio may produce higher returns but might also be subject to a higher degree of loss. A more conservative portfolio might produce steadier returns at a lower rate, but could lose purchasing power to inflation.
Calculating an appropriate withdrawal rate
Your withdrawal rate needs to take into account many factors, including (but not limited to) your asset allocation, projected inflation rate, expected rate of return, annual income targets, investment horizon, and comfort with uncertainty. The higher your withdrawal rate, the more you’ll have to consider whether it is sustainable over the long term.
Ultimately, however, there is no standard rule of thumb; every individual has unique retirement goals, means, and circumstances that come into play.
Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2015.
Event – “Technology Tools Simplified”
PRESENTS
Technology Tools Simplifed
Tuesday, March 24, 2015 | 10:00 AM
or
Thursday, March 26, 2015 | 3:00 PM
Naples Office | 9601 Tamiami Trail N., Naples, FL 34108
Topics to include:
Learning each steps to maximize your smartphone and tablet
The tools of our CAS website
A better understanding of OneView (your online account access)
Managing your email
The most efficient way to search for information on the internet
Speaker: Jeff Bohr
Owner, Naples Mac Help
This session is for all who have a desire to maximize technology tools without being overwhelmed.
Kindly RSVP by March 17, 2015 – Seating is Limited
(239) 262-6577 or Ciccarelli@CAS-NaplesFL.com
Bridging the Communication Gap Through Family Meetings
Jill Ciccarelli Rapps | Life in Naples Magazine
Leaving a legacy is more expansive than just leaving your money to your heirs; it also encompasses your intangible assets. Money can’t buy experience, wisdom, attitudes and work ethics, which may indeed be your greatest gifts, but how do you preserve these values for generations to come?
While money can be a tie that binds the family, in many cases it creates stress and separation. A worldwide fact is that about 70 percent of carefully crafted and executed estate plans “fail” within two generations, including family harmony.¹ So what may be missing…communication?
Talking openly about money in our society has typically been taboo. Families are allowed to talk or act around it, like buying a new car, new home or take a vacation, but rarely do parents engage in discussing the value of money, and how it impacts the family entity. Where do you want your family to be in 50 years? What are your greatest hopes for your children/grandchildren? What are your greatest concerns? How much is enough? How much is too much? How do we decide on the best use of our wealth? How do we want to spend, save and share our money? What is your greatest gift you can share with your family? I believe we all have special gifts and it is our responsibility to share them, to pass on our wisdom and experiences, so that the next generation can thrive even more than the generation before them.
In today’s fast paced and constantly evolving world, it is difficult to overcome some of the hurdles of family communication. One of the biggest challenges is the communication gap. You may ask your grandchild, “How was school today?” a typical answer may be “Good,” and that is the end of the conversation. My father is a genius when it comes to communicating to his grandchildren, he found a common ground and that was through laughter. He has “Poppy jokes” that he tells, and the grandchildren compete to search for the best “Poppy jokes” to tell him. This opened the dialogue for more communication with the grandchildren.
So where do you start? Find something meaningful to your family. As an example, if giving to charity is meaningful to you, consider starting a charitable family gift fund. Gather the family including the little ones and get them involved. Let the grandchildren know they have a certain amount of money to give away and ask them to come back with some suggestions of a charity that may need their help. Not only are you teaching them the value of giving back, but they will experience what it is like to help someone less fortunate than them, and that can be very powerful.
By hiring a third part facilitator to guide the process, this can help your family come together. The facilitator’s role is to encourage open dialogue to help lead to win-win solutions for the whole family.
Your key financial advisor can work closely with the family to prepare them for the meeting to encourage clarity and direction. The objective of the family meeting concept is to provide a catalyst to increase success for your family enterprise. Don’t let your values and your assets dwindle due to the lack of prior planning or proper communication.
¹Source: Roy Williams and Vic Preisser, Philanthropy, Heirs & Values (Robert Reed Publishers, 2010)
The views expressed in this article may not reflect the views of FSC Securities Corporation. This information is not intended to be a substitute for specific individualized tax, legal or investment planning advice.
Happy New Year – Wishing you and yours the very best for 2015!
Throughout 2014 we were reminded that: markets are volatile; employment trends are ever-changing; food prices seem to continue to rise; diminishing energy prices can bolster the economy; the debt crisis in Europe appears to be on the mend; and returns are unpredictable.
Through all the hints of corrections, we were there with you; guiding and advising you. While we can’t know what the future holds, here’s a glimpse of what 2015 might bring on the financial front:
Market volatility will be ever-present and a consistent element of the new “normal,” given geopolitical tensions, varying reform agendas, and divided monetary policies across the globe. Within the first couple weeks of the year, the precipitous drop in the price of oil has caused major swings.
On the home front, the dollar has strengthened, and interest rates remain low setting the stage for the U.S. to continue to be a leader in 2015. Coupled with development in new technologies: mobility, cloud computing, and additive manufacturing, the country’s future looks bright!
We expect the Fed to have its first rate hike in 2015. While many of us have benefited from low interest rates, it is time for the central bank to tighten its belt. Janet Yellen and her team will be providing strict oversight to the gradual rollout.
We are excited for what 2015 has in store for us. We will continue to work hard for you and your family and to keep you abreast of the ever-changing world and investment arena.
As we welcome another New Year, we’re hopeful this one will be a great one for you; allowing you to continue to pursue your interests and live your dreams! We wish you the very best in health and happiness and look forward to seeing you at our upcoming client events throughout the year. From our family to yours, Happy 2015!
Event – “Identity Theft: More Than a Financial Risk”
PRESENTS
Identity Theft: More Than a Financial Risk
Tuesday, February 17, 2015 | 9:30-10:30 AM
Vi at Bentley Village, East Clubhouse, 704 Village Circle, Naples, FL
Join us and discover…
The Six Different Types of Identity Theft
How Information is Obtained
The Most Common Warning Signs
Steps to Take if You Become a Victim
Tips to Reduce the Risk of Becoming a Victim
Speaker: Carrie Kerskie
Author, speaker and identity theft expert
President, Kerskie Group, Inc.
This session is for all who have a desire to learn more about prevention, detecting and recovering from identity theft.
Kindly RSVP by February 10, 2015 – Seating is Limited
(239) 262-6577 or Ciccarelli@CAS-NaplesFL.com