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Created: May 13, 2024
Modified: May 14, 2024

Shielding Your Golden Years: Protect Your Identity & Secure Your Retirement

As we spend our lives planning and saving for retirement, the last thing we want is for our hard-earned nest egg to be threatened by fraud and identity theft. It’s a reality that’s becoming all too common, but the good news is, there are steps we can take to shield ourselves from these financial predators.

At Johnson Brunetti, we understand the unique vulnerabilities that come as we age. On May 6 and May 7, we hosted special community events specifically designed for individuals aged 55 and older. We brought financial wisdom and law enforcement together with insights from Joel Johnson, CFP® and Jeff Lanza, a retired FBI Special Agent with over two decades of experience fighting these very crimes.

Jeff Lanza shared ways to safe from various threats, such as phone scams, identity theft, and more. One of the key takeaways was the importance of staying informed and being proactive in protecting our finances. We live in a digital age where technology is constantly evolving, making it easier for fraudsters to access personal information and financial accounts. It’s crucial that we stay up to date with the latest security measures and techniques to safeguard our assets.

Learning to Secure Your Retirement Savings

It’s not just about understanding the risks; it’s about empowering you with knowledge. From phone scams and cyber fraud to wire transfers and identity theft, it’s important to know not just how these schemes work, but how you can stay steps ahead of the criminals.

Did you know that a common tactic is for scammers to impersonate organizations you trust, or to dangle the carrot of a “prize” to snatch your personal information? They play on urgency and fear, pushing you to act fast or face some dire consequence. And when it comes to payment, they’ll often insist on a specific, usually untraceable, method.

Four Signs It’s a Scam – Be Alert!

  1. Familiar Faces? Scammers often masquerade as reputable entities.
  2. Problem or Prize: Be skeptical of unexpected problem or prize notifications.
  3. Urgency Equals Danger: Real organizations understand patience.
  4. Payment Method: If they demand payment in gift cards or wire transfers, it’s a red flag.

    Staying Scam-Smart

    It’s not only about recognizing scams; it’s about proactively protecting your personal and financial information. Simple actions like blocking unwanted calls and texts, not giving out personal details impulsively, and resisting the urge to act under pressure can significantly lower your risk of becoming a victim.

    Additionally, being savvy about the payment methods scammers prefer can serve as a critical line of defense. Remember, no reputable organization will rush you into a decision or ask for payment in gift cards or similar methods.

    Knowledge is Power

    By understanding what to look out for and what to avoid, you are better equipped to protect yourself and enjoy the peace of mind that comes with a secure retirement. It’s a crucial step towards securing your retirement against the ever-evolving threat of identity theft and scams.

    Let’s not give scammers a chance. Together, we can fight back against fraud and ensure our golden years remain golden.

    Information presented in our podcasts is considered current as of the created date. Over time, some information presented may become stale. We recommend you consult with your Financial Professional before making any changes based on information contained here.

    Johnson Brunetti is a marketing name for the businesses of JB Capital and JN Financial.

    Investment Advisory Services offered through JB Capital, LLC. Insurance Products offered through JN Financial, LLC.

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