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October 2019
Greetings!
By now we can feel fall in full swing with the weather finally cooling off, the leaves starting to turn, and pumpkin spice everything everywhere you turn. Halloween may be the climactic finale to the month of October, but it also marks the beginning of the holiday season and sets the tone for the remainder of our chaotic calendar year.

In our current technology-driven world, we not only voluntarily, but have been forced to share more of our personal information online. Being blissfully ignorant of the fact that your information has a great possibility of being hacked at any given moment could cost you. Stressing the importance of protecting one’s online identity and information cannot be repeated too often. For this reason, October is National Cybersecurity Awareness Month. The U.S. Department of Homeland Security and the National Cyber Security Alliance (NCSA) collaborated and launched this major effort in 2004 to help bring ongoing awareness and education to all Americans as to how they can protect themselves. For some great tips and current advice on how you can stay secure online please visit www.staysafeonline.org and be sure to read this month’s article, 7 Cybersecurity Tips to Protect Your Personal Data.

While the upcoming months will surely bring some holiday hustle and bustle to your schedule, I hope you take a moment to reflect on and appreciate life’s little moments and opportunities to make more memories with those around you. And as always, please don’t hesitate to reach out to me if there is anything at all that I can help you with.
Regards,

Kevin Stoddard, CFA®
President & LPL Registered Principal
“It’s good to have money and the things that money can buy, but it’s good, too, to check up once in a while and make sure that you haven’t lost the things that money can’t buy.”
-George Lorimer
Kevin Stoddard, CFA®
7 Cybersecurity Tips to Protect
Your Personal Data
October is National Cybersecurity Awareness Month, so it is the perfect time to assess the vulnerability of your personal data and take action to protect it.
How to Maximize Your Employee Benefits
One often-overlooked way to make personal financial gains is to look more carefully at your employer benefits and take full advantage of everything your benefits package has to offer.
Social Security Tip
Courtesy of Go Banking Rates

Work Without Reducing Your Benefits
You can keep earning money without reducing your Social Security benefits as long as you play by the rules. You still get full benefits under these circumstances:
  • You reach full retirement age, no matter how much you earn.
  • You reach full retirement age in 2019 and make $46,920 or less.
  • You reach full retirement age after 2019 and earn $17,640 or less.

When you’re under full retirement age and make more than the limits, you lose $1 in benefits for every $2 you earn above the annual limit, according to the SSA. You also lose $1 for every $3 you earn above a different limit in the year you reach full retirement age, the agency outlined on its website.

When the Social Security administration withholds some benefits due to the earnings test, the withheld money is returned to your pool of funds. Your benefits will be re-calculated and increased once you reach full retirement age.
Easy Way to Live a Greener Lifestyle
Use Cloth Towels
You probably find yourself using a lot of paper towels, but you already have greener options around the house you may not have considered. Instead of running through rolls of paper towels, opt for cloth rags and cut up old t-shirts or old socks. This way, you can keep unwanted clothes out of the landfill and use them again and again while at the same time reducing your use of wasteful paper products. 
Imagine the Impact...
If every employee understood and appreciated the value of their benefit package.
When income exceeds your needs, your loved ones are cared for, and your estate is organized.
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The opinions voiced in this material are for general information only and not
intended to provide specific advice or recommendations for any individual.
Securities and advisory services offered through LPL Financial,
a Registered Investment Adviser, Member FINRA/SIPC.

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