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Empowering Educators: Navigating the 403b Path to Retirement

Empowering Educators: Navigating the 403b Path to Retirement

At the Orange Ulster BOCES 403b Event, we're highlighting the invaluable benefits of 403b teacher retirement accounts for educators. Designed to empower teachers with financial security, these accounts offer tax-deferred savings, flexible contribution options, and potential employer contributions – ensuring a stable future while focusing on what truly matters: shaping young minds. Join us as we delve into the wealth of opportunities this vital resource presents for those dedicated to the noble profession of teaching.

New Certification - Robert Howerter, Behavioral Financial Advisor (BFA)

New Certification - Robert Howerter, Behavioral Financial Advisor (BFA)

Congratulations to our Senior Wealth Advisor Bob Howerter, on earning his Behavioral Financial Advisor (BFA) certification! This prestigious achievement equips him with invaluable insights into the psychology of finance, allowing him to better understand and serve his clients' unique financial behaviors and goals.

His newfound expertise will undoubtedly enhance his ability to guide clients through informed decision-making, ultimately leading to more personalized and effective financial solutions. Here's to continued success in positively impacting your clients' financial journeys!

Benefits of having a wealth advisor certified as a BFA:

  • Recognizes human emotions, biases, errors in decisions.
  • BFAs trained to identify and manage these tendencies.
  • Assist clients in making better financial choices.
New Certification - Dan Vobroucek, Certified Student Loan Professional (CSLP)

New Certification - Dan Vobroucek, Certified Student Loan Professional (CSLP)

Congratulations to our dedicated financial advisor Dan Vobroucek's achievement in becoming a Certified Student Loan Professional (CSLP)!

This prestigious certification equips him with specialized expertise in navigating the complexities of student loans, enabling him to provide even more comprehensive and tailored financial guidance to our clients. His newfound knowledge will undoubtedly enhance our ability to support individuals effectively in managing their student debt and achieving their financial goals.

Proudly standing as one of just 5 CSLPs in the state of New York!
Let Dan help you navigate the path to financial success!
  • Dedicated to finding your path to maximizing student loan savings
  • Committed to providing guidance about your student loan matters
  • Accomplished CSLP designation, 1 of only 5 in NYS

Navigating Excellence: Select Wealth Partners Unveils Insights from Osaic's ConnectED Conference in Phoenix

Our dedicated team of financial advisors embarked on an enlightening journey at Osaic's ConnectED Conference in the vibrant city of Phoenix, Arizona.  This event proved to be an invaluable experience, as we engaged with some of the brightest minds and most successful companies in our industry. Learning from their achievements and innovations was truly inspiring, and it reaffirmed our commitment to providing top-notch services to our clients.  We also had the privilege of connecting with our home office, strategizing and collaborating to ensure that our client services are continually evolving and reaching new heights.  We are excited to implement the knowledge gained and look forward to an even brighter financial future for our clients. Thank you, Osaic, for hosting this incredible event!

What Can You Do To Prevent Identity Theft?

In today's digital age, safeguarding your personal information is paramount. Here are some crucial steps you can take to protect your financial security.

1. Monitor Your Accounts

Under U.S. law you are entitled to receive one free credit report annually from each of the three major credit reporting bureaus: Equifax, Experian, and TransUnion. To request your free credit report please visit [] or call toll-free at 1-877-322-8228

2. Protecting Your Identity

Exercise your right to add a free fraud alert to your credit file. This protective measure acts as a shield for one year, requiring businesses to verify your identity before extending credit. If you have been a victim of identity theft, you are entitled to an extended fraud alert, which lasts for seven years.

3. Secure Your Credit

Consider opting for a "credit freeze" instead of a fraud alert. A credit freeze prevents credit bureaus from sharing your credit report without your explicit permission. While it effectively safeguards against unauthorized credit, loans and services, please be aware that it may temporarily slow down or prevent future credit approvals. Remember to lift the credit freeze before financing any significant purchases. Remember, federal law prohibits charging fees for placing or lifting a credit freeze.

To place a credit freeze or fraud alert, please contact the major credit bureaus. Taking these steps will significantly enhance the protection of your personal information and financial well-being.

Thank you for taking the initiative to safeguard your financial security. If you have any questions or require any further assistance, please do not hesitate to reach out!

Protect Your Personal Info!

Protect Your Personal Info!

The internet makes it possible for many of us to work from home, to shop, attend religious service and stay connected with family and friends. Unfortunately, those conveniences come with risk and cyber criminals are upping their game. Here are a few ways you can protect yourself from hacks, scams, and malware.

Look twice before you click. Cyber criminals will try to get you to act quickly through subject lines and messaging; pause to consider before opening an unexpected email attachment. Most importantly, NEVER click on a link asking you to enter your password or change your password. Always go directly to the site to enter your password or call the company directly if there appears to be a problem.

Use strong passwords. Strong passwords are fairly long and use a combination of upper and lower-case letters, numbers, and special characters. Don’t keep a list of passwords anywhere near your device and if you keep a list, don’t spell out your password. Instead, record a hint, followed by the numbers and symbols, ideally unique to each site. Another option is to consider purchasing a password management system.

Add Two-Factor Authentication. For sensitive sites, such as financial accounts, add two-factor identification. After signing in, the institution will either text, call, or email a one-time code.

Stay current. Google your name and delete old, unused accounts that come up. Clear your browser history periodically and delete apps you no longer use. Use the latest security software, web browser, and operating systems. Regularly check for updates and sign up for automatic updates when you can.

Stay independent. When signing up for a new service or app, pass up the offer to sign in using Facebook or your Google account, which exposes the data in your accounts. You can manage connected accounts on social sites and disconnect any you no longer want to have connected.

It’s important to stay vigilant about securing your financial and personal information. Please feel free to send these tips along to anyone that may benefit.

Social Security Benefits Increase in 2023

Make sure you're ready for the upcoming changes in Social Security benefits in the upcoming new year!

"Approximately 70 million Americans will see a 8.7% increase in their Social Security benefits and Supplemental Security Income (SSI) payments in 2023." 

Click below for the details from Jeff Nesbit, Deputy Commissioner for Communications.

403b Contributions

403b Contributions

Attention teachers, it's time to consider increasing your 403b contributions! 

Pay yourself first with tax savings + contribute to your future.

Click below for the Salary Reduction form to update your contribution today!