Asset Planning, Inc Blog

The latest from the team.

Reminder: 2016 IRA Contributions

We wanted to send out a reminder that it's not too late to contribute to your IRA accounts for 2016 as long as you are still working and have not yet met your contribution limit. The IRS deadline for contributions is April 18, 2017. Please give us a call if you would like to make a contribution or have any questions.

Continue reading
  616 Hits
616 Hits

Protect Your Information on the Internet

Be wary of a new websites that makes it very easy for literally anyone to get your personal information. There are numerous websites that offer this information but one of the newest and easiest is FamilyTreeNow.com. In a couple of clicks you can find out virtually anything you would like to know about someone including their address, phone number and possible relatives. The amount of information listed on these sites is scary and makes you a perfect target for identity theft. The sad part about it is that it is perfectly legal for these sites to post this information because it is considered public information. There are somethings you can do about it though. Here are some tips we took from the article from Cyber Security experts with the LAPD.

1) Send mail to a box rental service that lets you use a street address over a P.O. box number (since no one will believe you actually live where a P.O. box number is located)

2) Buy property through a blind trust if you can, so your name isn't linked to where you live. The downside is this is very expensive, and it also can make selling your property more challenging.

3) Give out a Google voice number instead of your actual cell phone number.

4) Opt out of information gathering websites.

Here are the opt-out pages for a few of them: 

FamilyTreeNow.com: https://www.familytreenow.com/optout

Intelius.com: https://www.intelius.com/optout.php

LexisNexis.com: https://www.lexisnexis.com/privacy/directmarketingopt-out.aspx

WhitePages.com: https://premium.whitepages.com/help#about

Spokeo.com: http://www.spokeo.com/opt_out/new

411.info: https://411.info/manage/

ZoomInfo.com: http://www.zoominfo.com/lookupEmail

PeopleSmart.com: https://www.peoplesmart.com/optout-go

BeenVerified.com: https://www.beenverified.com/f/optout/search

PeopleFinder.com: http://www.peoplefinder.com/optout.php

If you need assistance with any of these steps, please feel free to call the office to make an appointment and we will be happy to assist you.

Continue reading
  673 Hits
673 Hits

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)

Continue reading
  691 Hits
691 Hits

2017 TD Ameritrade National LINC Conference

TD Conference 2016

Carol, Sandy and Samantha attended the 2017 TD Ameritrade National LINC Conference in San Diego last week. This conference is a great opportunity to stay up to date on the latest industry trends as well as network with their peers, industry experts and technology partners. The information that they take away from the conference helps them continue to expand their knowledge and better service their clients needs.

Continue reading
  574 Hits
574 Hits

New Client Portal

We are excited to announce that we now have a secure portal to transmit sensitive information to and from our clients. We will use this portal to send reports and documents electronically with sensitive information including full account numbers, social security numbers, etc. Each client portal is individual and you will be required to set up a log in to receive and send documents. In order to set up the portal and receive your documents, you will be sent an email with a link to your portal site. You will need to click on the link or copy and paste the web address in to your browser. If you are interested in receiving your quarterly statements electronically through the portal please contact me at sjg@assetplanninginc.com or Melani at melani@assetplanninginc.com and we will be glad to set you up on the portal.

Continue reading
  606 Hits
606 Hits

Happy Holidays

Happy Holidays

Our offices will be closed on Monday, December 26th. We will resume normal business hours on Tuesday, December 27th.

Continue reading
  492 Hits
492 Hits

Staff Update

Last month Melani began working on coursework to become a Registered Paraplanner. She is scheduled to finish the program in early 2017 and will enable her to be more involved in assisting the CERTIFIED FINANCIAL PLANNERS™ in constructing plans for our clients. We are excited for her to earn this certification as it will help better assist our client needs.

Continue reading
  663 Hits
663 Hits

Happy Thanksgiving

Thanksgiving

 

Our offices will be closed Thursday, 11/24 and Friday, 11/25. Normal business hours will resume on Monday, 11/28.

 

From all of us at API, we would like to wish you and yours a very Happy Thanksgiving!

Continue reading
  612 Hits
612 Hits

Congratulations Samantha

We are elated to announce that Samantha has passed her CERTIFIED FINANCIAL PLANNER™ exam! We would like to congratulate her on this huge accomplishment as well as acknowledge all of the hard work she has put into studying for this exam and just know that she is going to do well. Once she receives her official certification we will have 4 CERTIFIED FINANCIAL PLANNERS™ in the office to help with your financial planning needs.

Continue reading
  671 Hits
671 Hits

Happy Veterans Day

 

Happy Veterans Day!

 

“We don’t know them all but we owe them all.” — Anonymous

Veterans Day

Continue reading
  854 Hits
854 Hits

Search Blogs Module

Wait a minute, while we are rendering the calendar
October 1 2020. client portal portal money self-help topics Orange County Superior Court company 23 andme partner /owner documents borrowing money spring cleaning home ID card home emergency kit wells Fargo April 15 clients disaster areas National Ice Cream month blog post Open Enrollment jury duty notary services credit monitoring service privacy notices retirement accounts Social Security Legal robocalls rescue organizations home break-ins home emergency preparedness kits fun facts opt-out identity thieves July 4 padlock VOIP landline phones trust Two-Step Verification Supplemental Security Income Medicare Part B card reader Auto insurance vision screening insurance policy Asset Planning IRA accounts Treasury Department house sitter flash drive toilet paper contribution limit 2017 TD Ameritrade National LINC Conference Healthcare Puerto Rico Kiplinger Letter Victor Dergunov prescription eyeglasses April 11 cell phone carriers offer Wells Fargo employees 2018 IRA contributions credit card company integral member summer ice cream chip-enabled EMV cards relief efforts Retirement Contribution Limits phishing scams Flexible Spending Account 401K retirement planning scams pet Social Security Administration 4 pm -8pm check lists credit card fraud D premiums Roth IRA Ice Cream Social parking spots debt Medicare Part B premiums Medicare privacy settings birth certificates IRS deadline ice cream event earthquake app Kraig Mathias gap insurance 20 year anniversary web address pets memorial Day weekend Facebook profile increase CERTIFIED FINANCIAL PLANNER exam official certification clients show support account numbers estate planning assets 70 1/2. clone counterfeits consumer spending drive /usb trustee FEMA website fees executive order Brexit vote retirement 2017 IRA contributions interest rates retirement plans Erin Nelsen Notary Public settlement options April 18 2017. FSA car loans health care costs Amazon California Lions Friends phishing sites identity theft vacation email notifications Mobile Banking Security Tips EEChecklist-Kits.pdf stockpilingchecklist.pdf June 29 2017 Equifax breach Affordable Care Act emergency kit credit cards checklists CFP ® app Wells Fargo customers pet supplies https ://seekingalpha credit score Part D premiums . non-prescripstion sunglasses paperwork clutter information president Trump emergency folder insurance policies driver license life saver DNA test kits tax deadline Fox News story phone companies tax season spam phone information Facebook investment statements “ skimmer ”. Orange County cell phones https :// bottom line asset Planning pet industry breach banking Federal Trade Commission website Open House policy Medicare question Part B illiegal robocallers estate home mortgages home security fun atmosphere 900 number credit freeze Shred paperwork Independence Day Financial Planning Magazine