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CNBC - 6 Ways to Cut Retirement Surprises 

 Financial Planning Magazine for Advisors - Is Investing in an HSA a Good Idea?

 CNBC - For Financial Success, Plan for the Best and Prepare for the Worst 

CNBC - 7 Ways Job Hopping Can Cost You Money

CNBC - First 7 Things to Do If You Win the $375M Powerball Jackpot


 Financial Planning Magazine for Advisors - Advisors Seek Income

CNBC - 7 Surprises that shrink your Social Security check

 CNBC - America's Biggest Money Mistakes 

 USA Today - How to Spring Clean Your Finances

  Reuters - Charitable Giving - Hiring a Financial Planner

 ThinkAdvisor - Female Financial Advisers Sought as Boomers Need Planning

 ThinkAdvisor - Seen and Heard:  Get the Word Out to Get Women in the Industry

 AARP - Money and Marriage Digital - Overcoming the $30,000 Student Loan Burden


Wall Street Journal Guide to Financial Planning

The Finanical Planning Process by Janet Stanzak

Financial Planning Magazine Regarding the Profession

  Janet, Conference Speaker, Fukuoka, Japan, September 2014



Protect Yourself on Public Wi-Fi

Instead of staying away from public Wi-Fi, just stay safe.
Following these five simple steps will help protect your private data from prying eyes.
  1. Don’t make online purchases or access your bank account.
    If you don’t want someone getting ahold of your banking information or credit card number, it’s best not to access your accounts when connected to public Wi-Fi.

  2. Double-check the network name.
    Sometimes thieves will set up fake Wi-Fi hotspots with legitimate sounding names. You access the fake network and they get access to your data. Double-check the network name with a server, barista or other employee before logging on.

  3. Turn auto-connect off.
    Many smartphones have a setting that will allow these devices to automatically connect to any open Wi-Fi network. Check your phone’s settings to make sure this feature is turned off and take control of what networks you access.

  4. Switch up your passwords.
    Don’t use the same password for all of your online accounts. This way if one account is compromised, the rest stay safe.

  5.  Look for the lock.
    A locked padlock in the address bar of your web browser means the information submitted to that particular site is encrypted. While this provides an extra layer of security when connected to public Wi-Fi, it’s not fail-safe. Don’t share information online that you wouldn’t be comfortable sharing with the person sitting at the table next to you.


Identity Theft ~ Things to Remember
When we're making purchases, whether in person or online, keep in mind the sensitive information we often give so freely.  From credit card numbers and ATM PINs, to home addresses and more, every checkout can leave your personal information vulnerable.
Here are a few easy ways to shop smart and help keep your identity safe.
In Stores
1. Be aware of your surroundings and protect personal space at the
     ATM and registers.
2. Inspect ATMs and points of sale terminals and look for tampering
     before swiping cards.
3. Keep cards in sight when paying to deter dishonest cashiers.
4. Store all receipts and closely check your monthly statements to
     verify transactions.
1. Be sure your anti-virus software is installed properly and up-to-date.
2. Shop with retailers who you trust and who have a positive Better
     Business Bureau rating.
3. Avoid links. Instead, visit shopping sites by directly typing in their
     website addresses.
4. Don't purchase items while using public computers or shared
     wireless networks. 

Besides being smart shoppers, be careful when handling sensitive information at home.  Don't leave out documents like credit card statements, bank statements, investment account information, or annual social security statements.  Don't throw documents with this information into the garbage.  Be sure to shred them instead.  If your personal information is used fraudently, it may take months before you know. 

I personally subscribe to a service that monitors use of my personal information.  They search for fraud alerts placed with credit bureaus, monitor cyber services, monitor credit services and potential credit card misuse.  I occasionally receive alerts to potential fraudulent activity or non-credit related identity threats so I can then validate if I originated the activity.  This service isn't a cure-all solution, but it does give some comfort in knowing someone is policing for possible fraudulent activity that I might miss.

Janet Stanzak named Five Star Wealth Manager - 2010,2012,2014,2015,2016,2017

Evaluations were solicited from up to 200,000 high net worth individuals and 10,000 financial service professionals to evaluate wealth managers that prepare financial plans and assist in their implementation.  Only 7% of financial professionals in the Minneapolis/St. Paul market were selected based on highest overall satisfaction.  The nine evaluation criteria included:  customer service, integrity, knowledge/expertis, communication, value for fee charged, ability to meet client financial objectives, ongoing service, quality of recommendations, and overall satisfaction.

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