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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!

Transition to Charles Schwab & Co., Inc. (Schwab) 

The Charles Schwab Corporation acquired TD Ameritrade in 2019. They have been working together to transition TD Ameritrade accounts to Schwab. Click the button below to see the Schwab Transition Client Info Page to see your transition timeline, set up online access, and get answers to your Frequently Asked Questions about the transition. 

Schwab Client Info Page

Key Takeaways about Your Transition to Schwab 

What You Need To Do:

NO ACTION NEEDED! That's right, you don't have to do anything! Your TD Ameritrade account will automatically and securely transition to Schwab at no cost to you. Schwab will officially be the custodian of your account by Tuesday, September 5, 2023.

What You Need To Know

Your relationship with your advisor will not change - Your Independent Wealth Advisor will have the same authorizations on your Schwab account as they had on your TD Ameritrade account. These authorizations may include trading, fee deduction and payments, and first-party money movement.

You do have the right to opt out of the transition of your TD Ameritrade account to Schwab. Instructions on how to opt out are included on the Account Transition notice (attached below).

After the transition, you will have access to Schwab Alliance (a secure online client portal). 

You will receive a new Schwab account number, so you will need to update any direct deposits or recurring payments that you have set up directly with your bank or other third parties. Any instructions set up on TD ameritrade will transfer.

Important Dates:

Your account will move from TD Ameritrade Institutional to Schwab over Labor Day weekend 2023.

You can access and withdraw cash from your TD Ameritrade account through Friday, September 1, 2023 at 8:30PM ET. After this point in time, you will not be able to access your TD Ameritrade account. Your assets (cash and securities positions) will be moved over to Schwab during your transition weekend. Starting Tuesday, September 5, 2023, you can log on to Schwab Alliance, to view, access and transact in your account.

An Account Verification letter or email will be sent to all clients on September 5, 2023.

What to look Out For:

You should have received/ will receive a letter in the mail called the Account Transition Notice (attached below)- This is simply a notification of the transition of your accounts from Td Ameritrade to Schwab.

You will be receiving a Key Information Packet in early August with more information about the transition.

You will receive an Account Verification letter or email when your account has transitioned. (Sept 5th)

More Details

Documents to Review and the Terms & Conditions of your Schwab Account

Carefully review the documents that will govern your account relationship at Schwab including:

The Applicable Schwab Account Agreement, that describes the terms & conditions regarding your Schwab brokerage account. By not opting out and by having your account transferred to Schwab, you agree to the terms & conditions in the applicable Schwab Account Agreement.

Schwab's Cash Feature Disclosure Statement, which describes the terms & conditions of Schwab's Cash Features Program.

The Schwab Privacy Policy, which outlines the privacy rules for your account.

The Schwab Pricing Guide, which details the fees and commissions associated with your Schwab account.

Account Transition Notice
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.

IRS Contribution Limit Increases for 2023

IRS Contribution Limit Increases for 2023

There have been a few changes to the IRS contribution limits for 2023, including the IRA and 401(k) contribution limits and others. 

Know Your Limits! 

Click the button below to see IRS Contribution Limit Chart for 2023.

Silicon Valley Bank Collapse- March 13, 2023

Silicon Valley Bank Collapse- March 13, 2023

Keep up with today's news about the collapse of Silicon Valley Bank and how it will affect the economy. 

Please click below for some shared thoughts about the situation by Brian S. Wesbury, Chief Economist and other advisors from First Trust.

2023 Social Security + Medicare Guide

2023 Social Security + Medicare Guide

Find out what you need to know about the changes made to Social Security + Medicare in 2023.

Click below to see the Allianz Social Security and Medicare Guide for 2023!


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!

TD Ameritrade/ Orion Edelivery Important Notice

Create a Profile to keep your E-delivery Preferences.

A message from TD Ameritrade Institutional

As a part of the integration efforts between TD Ameritrade Institutional into Schwab Advisor Services, we are actively working to create consistencies between the two platforms. Beginning with your July 2022 statement , TD Ameritrade will require you to establish a user ID and password on AdvisorClient via either the web or mobile to maintain your enrollment in electronic delivery of statements, confirms, and other communications. These changes will apply to existing and any new accounts going forward.

What this means for you

- There will be no impact if you are currently enrolled in e-delivery and have logged into AdvisorClient.

- If you are currently enrolled in e-delivery and have not established a user ID and password on the web or via mobile and logged into AdvisorClient by July 22, 2022, you will have your e-delivery statements changed to paper delivery beginning with your July 2022 statements that will be mailed in early August.

How to set up your user ID and password

 Click Here for Online Instructions

- To create your user ID and password have your account number ready, we will then verify your identity using the phone number you provided when you opened your account. We can either call or send you a text message to provide you with a unique 6-digit code to enter during the set-up process. From there you will be prompted to create a user ID and password.

- If your delivery preferences are switched from electronic to paper, you can easily re-enroll in electronic delivery by establishing your user ID and password on and managing your electronic delivery preferences. Just visit, scroll to the bottom of the page and select "Set Up My Profile". Once you are logged in, you can also review your preferences by selecting My Profile<Communications Preferences

- If you have questions about AdvisorClient enrollment, please call the TD Ameritrade Institutional technical support team at 800-431-3500, option 4. For any other questions, please contact your advisor.


TD Ameritrade Institutional

TD Ameritrade Institutional, Division of TD Ameritrade, Inc., member FINRA/SIPC, a subsidiary of the Charles Schwab Corporation. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto- Dominion Bank. 

©2022 Charles Schwab & Co. Inc. All rights reserved. 

Distributed by: TD Ameritrade, Inc., 200 South 108th Avenue, Omaha, NE 6854-2631.

TDAI 6028 EM 4/22