Check phone number for scams

I recommend purchasing travel insurance for your trip, particularly for people on medicare, as medicare doesna€™t cover most overseas medical expenses. You should bring along information on home emergency contacts (also listed in your passport), and ita€™s wise to leave your travel itinerary and contact information with those persons in case they need to contact you while youa€™re away. I purchase over-the-counter sleep aids (like Tylenol PM or Sominex) and take one after the first meal on an overseas flight (along with a few glasses of wine). If you travel with medications, you should carry them in their original bottles to avoid problems with customs. Check on the weather conditions for the area youa€™ll be traveling, then plan for layering, making sure you have enough clothing for more extreme conditions. Sadly, many airports have people who descend on you immediately because you are unfamiliar with the currency and systems in that country. Gosh, this all sounds so negativea€”but being wary up front will help make your trip more enjoyable in the long run.
In the aftermath of a BrokerCheck study that concluded 1 in 13 advisors have tainted histories, Senator Elizabeth Warren (D-Mass.) is asking the Financial Industry Regulatory Authority to disclose plans for curtailing broker misconduct.
In the most recent Eaton Vance Advisor Top-Of-Mind Index study, more than half of advisors surveyed said their concerns over market volatility have increased in the past 12 months.
Brilliance isn’t essential for successful financial professionals and, if anything, can be a characteristic that makes employees hard to manage, says David Rubenstein, founder of private equity advisor The Carlyle Group. Advisory firms often focus on training their sales reps and ensuring that advertising and web campaigns target appropriate customers.
Changes to forms 1099-R and 5498 that require IRA custodians to disclose hard-to-value assets in IRAs could lead to the Internal Revenue Service increasing its enforcement of required minimum distributions.
Present bias, or spending money now rather than saving, and failing to appreciate the power of compounded earnings has cost retirement savers $1.7 trillion. A lawsuit alleging that Edison International improperly favored high-fee funds for its 401(k) plan has been rejected by 9th U.S. The Security and Exchange Commission’s Investor Advisory Committee wants the regulator to mandate that standard fees be disclosed--in actual dollar amounts--on customer account statements. Morgan Stanley is building a help desk with more than 10 staffers who will answers questions from financial advisors about complying with the new retirement fiduciary rule. Even though markets have been calm recently, the large equity selloff in the second half of 2015 and in the early portion of 2016 illustrates how quickly investor sentiment can sour. Robo-advisor Betterment has raised another $100 million in venture capital and plans to use the funding to build out additional advice products.
The registered investment advisor community is quickly growing as clients increasingly prefer working with advisors who comply with the fiduciary standard, says Bill Van Law, president of Raymond James’s Investment Advisors Division. Advisors with the Certified Financial Planner distinction tend to have higher levels of trust among clients and earn, on average, 20% more than other advisors, according to a study funded by the CFP Board of Standards and conducted by the Aite Group. The Securities and Exchange Commission has created the office of Risk and Strategy to focus on examining investment advisors and mutual funds.
Many Americans nearing retirement age are pursuing careers with a charitable or civic service nature, which is creating opportunities for financial planners. The Securities and Exchange Commission’s decision to shift resources from broker exams to advisor exams has been driven by necessity, says Marc Wyatt, director of the examinations office. Among black working-age households, 62% have no savings in retirement accounts, while only 37% of working-age white households lack such savings, according to a National Institute on Retirement study. Individuals who are old enough to sneak past the recent termination deadline for using the file and suspend strategy that helps boost Social Security benefits are reportedly being told they are not allowed to use the strategy.
A study of retirement assets during the 2000s has concluded that retirees in the top quintile of wealth have been spending substantially less than their savings allows for. Funding for the Securities and Exchange Commission and the Futures Trading Commission would be doubled by 2021 under the budget recently proposed by President Obama. President Obama’s proposed budget includes provisions that would increase the number of Americans covered by employer-sponsored retirement plans by expanding the use of multiple employer plans.
Bill McNabb, who is the chief of ETF giant The Vanguard Group is warning the industry that the large number of ETFs being launched could create problems for investors. The Department of Labor’s proposed fiduciary standard could create a big increase in orphan accounts, which are accounts that end up being managed by home offices rather than by broker-dealers registered reps, says Paul Sankovich, chief compliance officer at Wells Fargo Advisors Financial Network.
The Financial Industry Regulatory Authority (FINRA) is investigating how robo advisors manage risk, says Dawn Calonge, surveillance director at the organization.
Deena Friedman, who skippered the Fidelity Select Retail Fund to an 18.59% return in 2015, has been selected by Bloomberg as the stock picker of the year.
Only one out of every five advisor recruits stays in the industry, but firms can take various steps to improve retention. The Securities and Exchange Commission has fined Everhart Financial Group nearly $240,000 and ordered the advisory firm to appoint a chief compliance officer after the regulator determined that the company was inappropriately recommending funds with 12b-1 fees for retirement plans. With weakening economic growth in China and other concerns driving market volatility, billionaire investor George Soros says capital markets currently remind him of conditions that existed during the economic crisis of 2008. For financial advisory firms, implementing customer relationship management technology can be a high stakes and dicey undertaking. Galen Marsh, who as a Morgan Stanley advisor downloaded client data to his home computer without permission, has been sentenced to three years of probation and ordered to pay $600,000 in restitution.
Retirement plan fees are falling as 401(k) participants increasingly embrace low-cost products.
The proposed Department of Labor fiduciary standard could cost the financial industry in excessive of $2.4 billion in lost transaction revenues, which is more than double most estimates, says Morningstar Analyst Stephen Ellis.
A small number of stocks including Amazon, General Electric, Alphabet, Microsoft, and Facebook drove market gains in 2015.

Having $30,000 in student debt can cut as much as $325,000 from 401(k) balances by the time an individual reaches retirement. Only 64% of advisors responding to a recent Russell Investments Financial Professionals Outlook survey have a positive outlook for capital markets over the next three years.
Online market gurus have been forecasting rapid growth of web surfers connecting to cyberspace with smartphones and tablets and a decrease in the use of desktops and laptops. Smart Beta exchange traded funds captured $3 billion in assets in October and $53.7 billion during the first ten months of this year, according to London-based research firm ETFGI. Despite occasional articles about advisors stealing from clients, only 2% of individual advisors have reported criminal charges such as felony convictions or investment related misdemeanors, according to an analysis of industry data by Big Crunch.
Morgan Stanley advisors who land clients that need cash management services next year can receive bonuses up to $50,000.
Susan Elizabeth Walker, 51, of Plymouth, Minnesota, has been sentenced to more than seven years in the slammer after being found guilty of stealing $1.1 million from at least 24 clients. The Securities and Exchange Commission has issued a warning regarding outsourced compliance programs based on deficiencies that it has uncovered during examinations.
Providing low-cost tax return preparation to generate financial planning prospects is just one of a variety of successful strategies. During the past year, daily equity market declines and gains exceeding 1% have been common, with investor sentiment quickly changing based on the prevailing outlook for the Federal Reserve’s monetary policy. File and suspend, which allows one member of a couple to receive a spousal benefit from Social Security while both spouses’ benefits continue to accrue, would be terminated under the budget bill that was recently passed by the House of Representatives. Mounting levels of student debt and declining home ownership among younger people means that many recent college grads will have to work to age 75 before retiring. The Certified Financial Planner Board of Standards should be raising the requirements to become a certified financial planning. Periodically adjusting asset allocations based on expected returns of different asset classes can generate better returns than traditional target date funds, according to back testing completed by Grantham, May, van Otterloo. Boston-based startup firm Gradifi has launched the Student Loan Paydown Plan, which allows business to make payments toward their employees’ student debt. Impact investors, or those investors seeking to invest in a socially responsible manner, don’t have to sacrifice returns to stay true to their calling, according to a new Wharton School study. In the next five years, private wealth is estimated to grow from approximately $14 trillion to $22 trillion. Traditional advisors can compete with robo-advisors by being prepared to answer tough questions about fees, understanding what services clients value, expanding their referral networks, and clearly articulating the range of services they provide. Advisors should ensure that female clients can find financial planning documents, such as life insurance policies in the event that they outlive their husbands.
Advisors need to address frequently overlooked aspects of their digital branding to ensure that their reputation and marketing are assets rather than liabilities. The Department of Labor is moving forward with a rule change intended to help states start retirement plans without running afoul of regulations included in the Employee Retirement Income and Security Act. Financial services firms are awaiting a list of products that the Department of Labor may restrict from being used in IRAs as part of its fiduciary standard rule. Investors younger than 40 ramped up stock purchases on August 24 when the market tanked 1,000 points at the open, according to Robinhood, which is a stock trading app that is frequently used by Millennials.
The Social Security Administration says it will provide retroactive spousal benefits to same-sex couples that were married in states that previously didn’t recognize such matrimonial unions, according to attorneys for plaintiffs. Many advisors may cringe when conversations suffer from akward silence, but such moments can lead to more productive conversations. Labor Secretary Thomas Perez says he will continue to push for a fiduciary standard for retirement plan advisors even though Republicans and moderate Democrats are concerned that the rule could harm low-income individuals. Advisors need to understand the complex emotions that can accompany sudden wealth in order to best serve their clients. While blissful couples pledge to stay married until death, the reality is that approximately 50% of marriages inthe U.S. Collecting Social Security early can help retirees assess how much they can spend because the payments are consistent.
The annual household savings rate climbed to 5.5% last year, up nearly a full percentage point from 2013. Advisors can engage their clients and strengthen relationships by using appropriate teaching styles for each investor’s preferred method of learning.
May and June have been tough months for Bill Gross and his Janus Global Unconstrained Bond Fund with investors withdrawing $50 million from the portfolio during the period, according to Morningstar. The Securities and Exchange Commission recently awarded a whistleblower $3 million for information that helped the regulator crack a complex case of fraud. Advocates of the fiduciary requirement for retirement investment advisors have delivered a petition with 230,000 signatures to the Department of Labor to urge the regulator to support the proposed standard. Industry trade groups are proposing legislation that would require retirement planning advisors to serve in the best interest of clients rather than comply with the Department of Labor’s proposed fiduciary standard, says Steve Saxon, chairman of Groom Law Group. Before you plan your next weekend getaway remember that, even on vacation, you may not be able to “getaway” from scams.
Flash forward to your monthly statement and you realize that the late night call wasn’t from the front desk at all, but rather a scammer has stolen money from your account. Providing credit card information to a hotel front desk, especially if you are already checked in, is almost always a bad idea. You find a local restaurant’s menu in your hotel room and decide to place your order on your credit card.
Say your ideal getaway is at a beachfront hotel: you envision seeing the sunrise from your bedroom window and hearing the waves crash from your balcony.

Before booking your hotel, check out travel websites for reviews and photos from previous hotel guests who often share the pros and cons of the hotel location. While on vacation, you access the free public Wi-Fi network at the hotel or local coffee shop. There are always cash machines in airports, and they give you a better exchange rate than youa€™ll get in the Statesa€”much less hassle. Also, many insurance companies have a separate high deductible for overseas medical expenses. I avoid drinking tap water, and I recently learned that a daily dose of Pepto-Bismol acts as a prophylactic to avoid stomach problems.
I recommend an umbrella, and a lightweight raincoat will serve as a layer for warmth as well. DONa€™T take a ride with someone who seeks you out at the airport, particularly a smooth talker.
Those include services on its 401(k) platform and additional features for use by financial advisors.
Now, recent data suggests the use of such portable devices has exploded, which underscores the need for advisors to ensure that their websites are well equipped to handle smartphone and tablet traffic. Instead, it is making it easier to obtain the credentials, writes Rick Kahler, who is president of financial planning firm Kahler Financial Group.
During that period, furthermore, women are expected to control two-thirds of private wealth. La Placa and a handful of other team members that collectively manage $3 billion in assets have left the San Francisco office of Deutsche Bank to start their own firm. But later that night you receive a call from the “front desk” telling you that your credit card was declined. If you get a call from the front desk asking you to verify your credit card information, hang up and call the front desk directly. Additionally, there are many popular mobile apps that you can check to make sure it exists and has good reviews.
But you arrive to your hotel only to find the view is far from what you had in mind.  Often, what is advertised as a beach front hotel may have a highway or strip mall obstructing your idyllic view. Ita€™s best to use a bank cash card, as credit cards charge a significant fee for pulling out cash. Ita€™s best to have a small nylon security bag or purse that you keep under your clothing or inside your jacket for your passport, credit cards, and large cash denominations. Travel insurance is inexpensive and covers a number of other emergency contingencies as well as medical. Then when I reach my destination I stay awake until bedtime and take one pill each night for four nights.
Quick-dry underwear are a good idea, as you can rinse them out and theya€™ll dry overnight in your hotel room. Ia€™ve had friends offered transport (by official-looking fellows) for eight times what it should have cost.
If you throw into the mix the occasional premature death of a spouse, then it becomes clear that a substantial portion of advisors’ married clients are likely to become single.
It turns out the restaurant doesn’t even exist and you have given your credit card information to a scam artist. In some cases, scam artists have set up unsecured networks with similar names to the hotel or coffee shop, and your use of their wi-fi network might give them access to your personal and sensitive information. Remember, too, that you should contact your credit card company before you go overseas, otherwise they may deny your credit, which is no fun. I usually keep a separate coin purse handy in a pocket or bag where I have a small amount of cash and a credit card for casual purchases. I still wake up in the middle of the night, but because of the sleeping pill, I can get back to sleep. I also carry a full round of Cipro (an intestinal antibiotic) in case I have serious problems, which has happened. For more information about this Wi-Fi scam and to sign up for the Fraud Watch Network, click here.
Ita€™s a good idea to have a little chart with basic currency conversions (on a card in your wallet) until you get used to the exchange. I travel with a cash card and two credit cards, just in case the one I use during the day gets taken. Fashion should be less of a concern than utility, and if you want to bring dress shoes for evening outings, go for it. Be sure to pack a photocopy of your passport and credit cards (with phone numbers) in case you lose any of these items. Be sure, too, that you understand the currency and check your change on even small purchases, as this is where some merchants make a little extra cash. I suggest you also e-mail that information to yourself, which would make it available if you lost everything. If youa€™re a shopper, throw in a nylon duffle, and as you accumulate purchases, you can store them in your duffle and check that on your way home.

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