Call 714-827-5794  to make a free consulation with Erin  Erin Nelsen, CFP® is a fee-only fiducary Financial Advisor that manages portfolios & conducts hourly financial planning for Asset Planning.  Erin holds the CERTIFIED FINANCIAL PLANNER ™ & Registered Investment Advisor Representative professional des...ignations.  Erin has expertise in various financial planning areas such as investments, taxes, estate divisions, public and private pension options, Social Security, real estate, insurance analysis, recent widow planning, and many other complex financial issues that arise.  Erin has been with Asset Planning since April 2007. Erin is thankful to have found her perfect forever firm. Asset Planning holds a high standard of care for both its clients and staff, and everyone is truly valued as family.  An Orange County native, Erin earned her Bachelor of Arts in Business Administration with a concentration in Finance from Cal State Fullerton. Erin completed the Personal Financial Program at CSUF. Erin is an active member of the Orange County Financial Planning Association and has been a volunteer teacher of personal finance to elementary kids through the community outreach program Junior Achievement.  Erin Nelsen is a Fee-Only Financial Advisor and a member of NAPFA, the largest Fee-Only Network Financial Planners. Fee-Only means Erin is only compensated directly by her clients & does not sell products nor accept commissions for the investments she recommends. Erin is proud to have built her career solely on the independent Fee-Only side of the Wealth Management industry. Erin is among an elite group of Financial Advisors held to the Fiduciary Standard. As a Fiduciary, she is required to put a client's interest above her own. Ethical, appropriate, & skilled professional care is our solid promise to all clients.  When Erin is not at the job she loves, she is busy tending to her garden, caring for her family, attending concerts, traveling, floating in her pool, or scouting out new restaurants to try with her husband/college sweetheart of 18 years. Erin's  household is blessed with a son, daughter (both in college), two  nephews (orphaned), a Sheltie dog, & two royal cats that rule her household.  More

Changes to TD Ameritrade's advisorclient.com

Dear Clients with TD Ameritrade accounts

Please read the below announcement from TD Ameritrade detailing the changes to advisorclient.com especially the part about the new two-step security log in option.  

Please be aware the updates to the website have caused some log in problems. TD Ameritrade technical support is aware and working on correcting the issues. You may not be able to log in temporarily.

  

 
 

 

New Login Page

The login page has been redesigned. You will continue to access the site using the same web address, www.AdvisorClient.com. Once logged in, the experience will remain unchanged for now.

TD Ameritrade Institutional

 

New Two-Step Security Feature

The new two-step security feature will allow you to replace your security questions with either a text-based alert or phone call in order to validate your identity. To set this up, you will need to access the new AdvisorClient site by clicking the "Try the new AdvisorClient site now" banner on the current site. Once on the new site, all you have to do is click your name on the top right of the website, and select My Profile. Under the Security and Preferences section, you can click Two-Step Verification and then follow the instructions.

Streamlined Client Enrollment Process

If you do not already have a login, you can enroll at www.advisorclient.com/getstarted. All you need is your account number and access to the phone number we have on file at TD Ameritrade Institutional.


Try Out the New AdvisorClient Experience

If you already have a log in for advisorclient.com, you can try out the new AdvisorClient experience by clicking the "Try the new AdvisorClient now" banner once logged in to the current website. New features include:

 

Upcoming cash activity: Provides details on upcoming cash disbursements and deposits

 

Retirement information: Contributions, distributions, and RMD information are easily found on the landing page

 

Position level gain/loss information: Sourced directly from our cost basis engine, Gainskeeper

 

Tax document e-delivery enrollment: Clients have the ability to opt into electronic delivery of tax statements in lieu of receiving a paper mailing

 

Balance history chart: Provides a historical depiction of the clients account value over time

 

The new AdvisorClient site can be set as your default view by clicking "Set as default" from the green banner on top of the screen.

Let us know if you have any questions about the new AdvisorClient website. Just call TD Ameritrade Institutional Technology Services at 800-400-3500 option 3 and they'll be able to help.

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IRA & 401k Contributions Increase for 2019

2019 annual contribution limits for eligible tax filers:

401(k), 403(b), most 457 plans, and Thrift Savings Plan is increased from $18,500 to $19,000.

IRA contributions increased from $5,500 to $6,000 per year. The age 50+ catch-up contribution limit remains at $1,000.

Tax deduction and Income limitations for 2019:

Taxpayers can deduct contributions to a traditional IRA if they meet certain conditions. If during the year either the taxpayer or their spouse was covered by a retirement plan at work, the deduction may be reduced, or phased out, until it is eliminated, depending on filing status and income. (If neither the taxpayer nor their spouse is covered by a retirement plan at work, the phase-outs of the deduction do not apply.) Here are the phase-out ranges for 2019:

If single or joint married taxpayers are not covered by a work retirement plan, they may fully deduct traditional IRA contributions. Other tax filers may partially or fully deduct contributions if they meet the below exceptions:

  • Single taxpayers covered by a work retirement plan, can fully deduct if modified Adjusted Gross Income (AGI) is below $64,000. A partial deduction is allowed if modified AGI is between $64,000 to $74,000
  •  Married Joint taxpayers, where the spouse making the IRA contribution is covered by a workplace retirement plan, can fully deduct if modified AGI is below $103,000. A partial deduction is allowed if modified AGI is between $103,000 to $123,000
  • Married Joint taxpayers, where the spouse making the IRA contribution is not covered by a workplace retirement plan, but the other spouse is, can fully deduct if modified AGI is below $193,000. A partial deduction is allowed if modified AGI is between $193,000 to $203,000

The Modified AGI phase-out range for Roth IRA contributions is $122,000 to $137,000 for singles and heads of household, $193,000-203,000 for married couples filing jointly.

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Trump's Proposes to Extend RMD Age

President Trump issued an executive order directing the Treasury Department to extend the age for required minimum distributions from retirement accounts. Currently the age is 70 1/2. His reasoning is that people are working and living longer. This can be good news for some of our clients who don't necessarily need to take the withdrawals at 70 1/2. Here is an articles from Forbes with some pros and cons to the proposed change.

Read Here

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150 Hits

Federal Real ID Act

We thought we would give you a heads up on a new act that will be beginning on October 1, 2020. It is called the Federal REAL ID Act. This act will require anyone boarding domestic flights, entering military bases or federal facilities to have a REAL ID. It can either be a driver license or an ID card and they are issued by the California DMV.

Here is an example of what the Federal REAL ID will look like as well as a link to the REAL ID fact sheet with detailed instructions on how to obtain one.

REAL ID examples

REAL ID Fact Sheet

We suggest getting this done as soon as possible. Don't wait until close to the deadline, especially if you know you have travel plans that will require it. We know people have a tendency to procrastinate and we have a feeling there will be a backup due to a lot of people needing them at once.

 

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253 Hits

Public Wi-Fi: Don't Do It

Here is a great article with lots of information on the dangers of using public wi-fi. There are some interesting facts that I never even thought of. For example, hackers are not only looking for your personal identifying information but they also are looking at your browsing history to be able to target you in phishing scams based on your interests. These phishing scams come in the form of robocalls, free apps and targeted ads. As always we want you to take every precaution to safeguard yourself from identity theft. This article is definitely worth the read.

https://lifelockunlocked.com/tips/lowdown-public-wi-fi/?cid=em_eNews_vol5_onboardingdbm_readmore_-_

Happy Mother's Day weekend to you all!

Samantha

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New Developments in Dementia and Alzheimer's Testing

Amy Florian from Corgenius released some information regarding new tests to alert you to the early signs of dementia and Alzheimer's disease. The first study was about sense of smell and the second one was about personality changes.

Here are some highlights taken directly from her research on the studies that we thought were important.

Regarding smell, scientists studied several factors in reasonably healthy people and then followed them for five years to see who developed dementia. They found that when combined with baseline cognitive function at the start, the most important factor was sense of smell. They specifically studied five scents – orange, leather, peppermint, rose, and fish. The greater number of scents that created difficulty and the more poorly a person could discern these smells, the more likely they were to exhibit dementia five years later. Researchers noted that this can’t be relied on as a singular test, but rather as a realization that sensory function is closely related to brain function, and may be among the first areas to exhibit deficiencies.

Another study focused on the long-recognized fact that personality changes are an early sign of Alzheimer’s disease, especially becoming uncharacteristically angry, aggressive, paranoid, or inappropriate. Now researchers have developed a 34-question quiz that can help determine the breadth and depth of behavioral changes, and they are proposing an intermediate diagnosis of mild behavioral impairment. You can take the quiz here. Note that these changes should persist for 6 months and be fundamental changes in behavior in order to indicate problems.

We are always looking for ways to keep you informed on the latest news with issues we come accross and cognitive decline is an important one.

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278 Hits

Healthcare Emergency Planning for Adult Children

As I mentioned in the last newsletter, my daughter is now a college freshman. We also recently celebrated another milestone with her, the 18th birthday. Though, Ashley is technically an adult, I know she has some years ahead before she is truly an adult with real responsibilities and maturity. With that in mind, I knew I didn’t want to be caught in an emergency situation where I was unable to help my daughter because of her “legal” adulthood. I once experienced a medical emergency nightmare with my unmarried adult brother whom was hospitalized in an incapacitated condition. Due to HIPPA privacy laws and no established health care directives, we could not see him, get any information, nor make any decisions about his care.

To be prepared in a healthcare emergency, a HIPPA release and Healthcare Directive are two forms that can be prepared in advance by your adult children or any adult. A signed HIPAA release permits healthcare providers to disclose your health information to anyone you specify. A stand-alone HIPAA form does not have to be notarized or witnessed.

An Advanced Healthcare Directive form allows you appoint an “agent” to make medical decisions on your behalf in case you are incapacitated and cannot make such decisions for yourself. You can also specify your wishes regarding life support. Each state has different laws and forms governing these legal documents. If your child is out of state, complete the away and home state forms. Here are the links to the state of California’s standard forms. Also be sure to check with your insurance company or Medical Provider if they have their own form to sign as well. I know Kaiser does.

https://oag.ca.gov/sites/all/files/agweb/pdfs/consumers/ProbateCodeAdvancedHealthCareDirectiveForm-fillable.pdf

http://www.dhcs.ca.gov/services/Documents/Authorization%20for%20Release%20of%20Protected%20Health%20Information%20DHCS%206247.pdf

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248 Hits

Equifax Cybersecurity Breach

Equifax has announced that they were hacked between May- July 2017. This is very scary because the personal information for millions of people has been exposed. This data includes all of your sensitive information such as; birth date, social security number, drivers license number, address, credit card numbers etc.

Equifax has a tool that lets you check to see if you may have been exposed to the hack and is offering a year of free credit monitoring through their Equifax TrustedID Premier Service for those who were.

Follow the link below to read all about the breach, see if you were affected and to sign up for the free credit monitoring.

https://www.equifaxsecurity2017.com/

 ****UPDATE- Before signing up for the free credit monitoring service that Equifax is offering please read the fine print that goes along with the terms of agreement. You may be giving up your rights to a law suit if you take advantage of their offer.****

 

 

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200 Hits

Expect the Unexpected

Recently, a family tragedy threw my much anticipated, soon-to-be empty nester plans into disarray. I was reminded of a remarkably astute and humorous line from a John Lennon song: "Life is what happens when you're busy making other plans". In May my daughter is graduating from high school and will be moving off to college in the fall. She is majoring in Entrpreneurship and will be attending Chapman University. My son is graduating from trade school this year as well. My husband and I could see the finish line on the horizon and we were very much looking forward to both the financial and personal freedon afforded once our children ventured out on their own in the near future. Overnight, our lives went the complete opposite direction. In February we welcomed our nephews, ages 8 and 11, into our home. They are the sweetest children and bring us much joy but we are saddened they have come to live with us as the result of the sudden death of their father, my husband's brother. I hope my story serves as a reminder that good financial and life planning expects the unexpected. But more importantly, the best planning strikes a balance between seizing the day and saving for the days we hope are ahead of us. Like Sandy said YOLO and remember to savor every bit of fun and joy you can.

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334 Hits

Reasons Why People Put Off Saving for Retirement

Retiring comfortably is a dream for most people. Unfortunately a lot of people are not adequately saving for their retirement or, even scarier; they are not saving at all. What is preventing them from saving? Usually it’s a mind block that gets in the way. Retirement seems too far off to think of or it’s uncomfortable to talk about. Here are a few reasons that most people delay saving and some tips to overcome these excuses.

Paying off debt and paying for current living expenses - With a lot of people burdened with a mound of student debt after college and paying for current living expenses, the idea of putting anything extra towards retirement savings can seem daunting. While it is important to pay off your debt it is also important to save for your future. Even the smallest amount that you can spare is better than nothing at all.

Instant Gratification- Spending money on items or trips that you want to go on now is highly more satisfying then putting money into a retirement account that you can’t touch for a long time. Sure everyone loves a new purse or a shiny new set of golf clubs. But one thing to ask yourself; are these items worth my future financial security?

Unsure of where to start- A big reason people put off saving for retirement is that they do not know how to get started. There are also many online resources that offer retirement calculators and tips to guide you through the process. You can also contact a financial advisor to help you assess your retirement needs and set up a customized plan to get you started on the right track to a successful retirement.

Procrastination- The mindset of “I’ll do it tomorrow” and then never actually doing it can be one of the biggest disadvantages off all to your retirement savings. Most people do not understand the concept of compounding interest when it comes to savings. Basically, the sooner you start saving, your principal will not only earn interest but over time you’ll earn interest on top of previous years interest and therefore the compounding effect can be huge. If you put off starting to save until you are in your 30s instead of starting in your 20s your money will miss a decade of compounding. The end result is you will have to save significantly more money every month to get to your desired retirement goals then if you had started earlier. The easiest way to get started is through your company if they offer a 401k plan or by setting up an IRA account. With both of these options you can have contributions set up to automatically come out of your paycheck or account. The less you have to think about it the more likely it is that you will do it.

The bottom line is that there are a lot of excuses that people make as to why they can’t save for retirement. The sooner you get started, no matter how much you start with, the better. When you get ready to retire you will not regret taking those first steps you made to invest in yourself and your future.

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Emergency Information Folder

We talk to clients everyday about how important estate planning is and how they should have a trust in place to ensure that their wishes are met after they pass away or become incapacitated. While having a trust set up is great it doesn’t really provide all of the details necessary for a spouse or loved one to take care of the day to day tasks of wrapping up your affairs. It is a really good idea to create an information folder that provides the pertinent details such as account numbers and passwords. This is also valuable to have in case of an emergency such as a car accident or house fire. You can grab this folder and go. Here is a list of information you should have in the folder.

• Assets: checking and investment accounts, private business interests, location of safety deposit boxes, annuities, individual retirement accounts and 401(k)s, trust agreements, real estate, vehicles, collectibles

• Liabilities: credit cards, mortgages, car payments, cell phone bills, other recurring bills • Social media/online accounts: passwords and login information for Facebook, Twitter, Instagram, Pinterest, LinkedIn, Amazon, PayPal, eBay, Netflix, Hulu, iCloud or other cloud storage accounts, online photo storage accounts

• Miscellaneous subscriptions/memberships: airline rewards programs, Sam’s, BJ’s or Costco memberships, toll tag accounts, magazines, newspapers • Insurance: life insurance, long-term care, disability, home, auto

• Home maintenance: water, gas, electricity, telephone, alarm, lawn care, cable television, Internet service • Medical: medical conditions, medications, emergency contacts

• Personal: burial/cremation preferences, funeral plans, pre-paid funeral expenses, birth certificates, marriage certificates, Social Security card

• Key contacts: financial and legal advisors, doctors, family members, close friends

Each person’s folder will require different information but this is a good start and you can customize it as needed. It also may be a good idea to keep a copy of this information in a folder in your email account, that way you only need to have one password to give out and everything is backed up by the cloud.

(This list was compiled from an article on wealthmanagement.com)

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578 Hits

Mobile Banking Security Tips

 

Mobile Banking Security Tips     

Whether using your phone or a tablet, mobile banking is a wonderful tool that gives you access to your financial world with a touch of a button. Almost all banks and credit cards now have apps that allow you to access your account information, make deposits, complete transfers and make payments directly from your smartphone. While we love the convenience of mobile banking it can also be a way for a thief to obtain your personal information if you are not careful. Here are a few tips to keep you secure while enjoying all of the convenience that mobile banking offers.

  1. Always download banking apps directly from the banks website or the app store.
  2. Never download banking apps on “jailbroken” phones. Phones that have been “jailbroken” or modified no longer have the operating system’s security in effect and are more likely to be hacked.
  3. Always secure your phone with a strong passcode and enable the auto-lock feature in case your phone is lost or stolen.
  4. Never use public Wi-Fi when logging into the app. That is a common way for hackers to get your personal information.
  5. Never respond to a text or email requesting your banking/login information. A real bank will never send a request for this info.
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686 Hits

Tips to Avoiding Credit Card Fraud While Traveling Abroad

 

We came across an article this morning on Marketwatch.com by Maria Lamagna that had some great tips on preventing credit card fraud while you are traveling abroad. We thought we would pass them on to you…

Bring some cash with you on your trip. Make a visit to your local bank before your trip to convert your cash into the foreign currency or you can convert it at the airport upon your arrival.

If you must use an ATM, it is better to use one at a bank than on the street or another non-financial institution. Examine the ATM before using it for any abnormalities. If the card reader appears not to fit, has glue on it or it is chipped it may be a “skimmer”.

Use credit cards instead of debit cards. Credit cards usually have built in protection for fraud and the credit card company can dispute the charges for you. With a debit card, cash is immediately withdrawn from your account and it can take longer for the funds to be returned to you.

Use mobile payments when you can. Transactions with services like Apple Pay use a tokenization method when making payments. This means that a new token is issued for each transaction instead of transmitting the actual credit card number making the payment more secure.

Avoid using public Wi-Fi as much as possible. Although it may be tempting to log in at the local café to save on data use it is very dangerous and an easy way for hackers to get your personal information. You should also change your password before and after traveling.

Check your account activity often. Look out for any transactions that look out of the norm so you can catch any fraudulent activity quickly. Many banks and credit cards now offer monitoring alerts that you can customize and be notified when an unusual transaction occurs.

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New Trends in Credit Card Fraud

 

In a recent article released by AARP and written by Sid Kirchheimer, he writes about the new trends in credit card fraud. With the new chip-enabled EMV cards it is now harder for identity thieves to clone counterfeits of the existing plastic cards. Instead they are focusing on opening new fraudulent accounts with stolen Social Security numbers and other sensitive data. Javelin Strategy & Research reported in its 2016 Identity Fraud Study that new-account fraud more than doubled in 2015 from the previous year.

Here are a few tips on how to protect yourself:

1.Get a credit freeze. Once enacted, a credit (also known as a security) freeze restricts access to your credit report, which creditors check before issuing new financial or service accounts in your name. Without seeing your report, creditors won’t approve accounts to ID thieves posing as you. A freeze must be placed with each of the three major credit-reporting bureaus — typically free for those 65 and older (state laws vary) — and can be unthawed when you are legitimately applying for credit.

2.Secure mobile devices. If your financial life is on a smartphone or tablet, apply software updates that patch known vulnerabilities as soon as they become available. Use security features built into Android and iOS devices, such as passcode or biometric (fingerprint) protection, and programs that encrypt data and remotely wipe contents if the device is lost or stolen.

3.Use strong passwords. They “remain the de facto first line of defense for most online accounts, which has motivated criminals to compromise them whenever possible,” Javelin notes. Using a password manager is a convenient way to maintain good password practices without resorting to writing these codes down, which could also place them at risk of physical compromise.

4. Sign up for account alerts. Offered by banks, credit card issuers and brokerages, these free notifications, via email or text message, provide you with real-time alerts of suspicious activity. When fraud occurs, contact the account issuer immediately.

5.Take data breach notifications seriously. One in 5 data-breach victims suffered fraud in 2015, up from 1 in 7 in 2014. While data breaches at retailers remain an issue, the biggest jump in breaches was at government agencies and health care organizations, with a 64 percent rise in exposure of SSNs.

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754 Hits

Account Security

TD Ameritrade issued an alert today that they have seen an uptick in fraudulent account disbursement requests. So far, Asset Planning clients have not experienced any account fraud as we are diligent in verifying that requests for money come from our actual clients.

One tip that TD Ameritrade suggested was having a code word with our clients to verify the authenticity of a request. Please feel free to reach out to us if you would like to implement this extra precaution. 

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771 Hits

Special Needs Trust Workshop

 
 
Below is a link to a 3 part workshop on Special Needs Trusts held at St. Joseph's Hospital in Orange, Ca. The event is being organized by a parent that went through the process of setting up a special needs trust and now runs a conservator support group in Orange County.  
 
In short, special needs trusts are used for beneficiaries who are disabled, either physically or mentally.
 
I will be attending the Nov. 8th event for my own knowledge
 
 
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1259 Hits

Congratulations to Sandy and Carol!

Congratulations to Sandra C. Field and Carol Somoano for being the recipients of the 2013 Orange Coast Five Star Wealth Managers. This was published in the April issue of Orange Coast magazine.

They were among 2,293 award candidates considered in the Orange Coast area of which only 19% of the candidates received the award. The award candidates were identified and considered by one of three sources: firm nomination, peer nomination, or prequalification based on industry standing. Self-nominations are not accepted.

Our two award recipients satisfied a 10 objective eligibility evaluation criteria associated with quality service providing wealth manager split into two parts, eligibility criteria and evaluation criteria.

The required eligibility criteria are as follows:

Credentialed as an investment advisory representative (IAR), a FINRA-registered representative, a CPA or a licensed attorney.
Actively employed as a credentialed professional in the financial services industry for a minimum of five years.
Favorable regulatory and complaint history review.
Fulfilled their firm review based on internal firm standards.
Accepting new clients.


Evaluation Criteria:

One-year client retention rate
Five-year client retention rate
Non-institutional discretionary and/or non-discretionary client assets administered
Number of client households served
Education and professional designations

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1108 Hits

How to protect your privacy while online

Click here to read a useful article explaining how you can stop companies, like Facebook, from tracking your online activity. 

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1417 Hits

Mortgage Referral



Mortgage rates recently hit an all time low & if you haven't already refinanced your mortgage, now might be the time to do so. We have found a new mortgage resource that is very professional, timely, and offers competitive rates. If you would like a referral, please feel free to contact us.
 

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1195 Hits

Financial Planning Magazine Online

Discusses the impact of proposed regulation for the financial services profession in Financial Planning Magazine.Click Here to read the full article we are featured in. 

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1177 Hits

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