General

Six Signs it is a Scam

Whether it’s an email from an overseas prince asking you to wire cash, or an unsolicited phone call from someone asking for identifiable information, scams are a familiar concern that can cause an unsuspecting victim financial harm and heartache. Protect yourself and your loved ones from telephone, email, mail or other types of scams by questioning the conversation. Oregon Attorney General Ellen Rosenblum offers six signs that an offer might be a scam. Scammers Contact You “Out of the Blue.”…

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A Reminder About Requesting Withdrawals

In case you missed our last newsletter, we want to make sure you are aware of a new policy related to withdrawals from your accounts at TD Ameritrade. Due to an increased threat of electronic fraud, we are now required to obtain verbal authorization to initiate withdrawals from your accounts. You can still email the details of your instructions, but if you do so please also follow up with a phone call. You can confirm your request with any of…

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Our Updated Policy on Money Transfer Requests

Due to the ongoing threat of internet-based fraudulent activity, we have changed our policy on requesting money transfers to and from your accounts with TD Ameritrade. From now on, if you would like money transferred to or from one of your accounts, please call to notify one of our team members verbally. An email alone is no longer sufficient to ensure your request is valid, even if email is the method you have always used to make requests. If you…

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Journey Tree Welcomes Two New Staff Members

It has been an unusually busy fall at Journey Tree. I am delighted to tell you that we have found two excellent new team members, Jason Nelson-Elting and Irina Pack. Jason will coordinate our financial planning efforts and Irina will help research and implement investments. Jason Nelson-Elting Jason grew up in a small town southern Oregon and has spent most of his adult life living in Eugene. He attended the University of Oregon twice, first as an undergraduate and then…

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Social Security Changes are Afoot

Introduction Last month, Congress passed the Bipartisan Budget Act of 2015 that will, for all intents and purposes, eliminate two Social Security claiming strategies – the “restricted application” and the “file-and-suspend.” Below is a brief description of the two strategies. Restricted Application Restricted application allows the account holder to apply only for the spousal benefit they would be due under dual entitlement rules. At any age beyond Full Retirement Age (FRA), they can switch and receive benefits based on their…

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Social Security Retirement Benefits: The Mini Series

INTRODUCTION In my most recent installment of this series, I wrote about a few hard to believe nuances of Social Security benefits. In this final installment, we are going to meet Pat and Val, a married couple with gender-neutral names, and review some simple and more complex Social Security planning strategies available to them. In the following comparisons: Val and Pat are the same age Their “full retirement age” (FRA) is 66 Val’s benefit at FRA is $1,000 Pat’s benefit…

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Roth Accounts and Required Minimum Distributions

Siblings, you got to love them. First of all, I am the “baby of the family” and sometimes it is difficult for my five older siblings to realize that I may know just a bit more than they do when it comes to financial planning issues. There are times I feel like I am a five years old again carrying on the “Is so,” “Is not,” “Is so,” “Is not” intellectual exchange. This article is a result of a lengthy…

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A Journey Tree Sponsorship: The Oxford Consortium for Human Rights

Journey Tree is pleased to sponsor two University of Oregon students who are participating in The Oxford Consortium’s Human Rights in Armed Conflict Program. This program brings students from all over the United States to study both the theoretical and practical applications of Human Rights Conventions during armed conflicts. The students travel to Oxford, England where they participate in a weeklong seminar at Oxford University. Through presentations by professionals in the Human Rights field, students are encouraged to expand their…

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Social Security Retirement Benefits: The Mini-Series

INTRODUCTION In my last article, I provided an overview of the calculations behind taking benefits early or delaying benefits. In this installment, we were going to meet Pat and Val, a married couple with gender-neutral names, and review some of the simple and complex Social Security planning strategies available to them. Unfortunately, I have been fighting a headache for a several days and I cannot get by head around that topic just now. Instead I will fast forward to the…

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Announcing the New AdvisorClient® Mobile App for your iPhone®!

TD Ameritrade Institutional is pleased to announce that you can now take the convenience of AdvisorClient.com with you, wherever you go, with the launch of the AdvisorClient Mobile App. AdvisorClient Mobile enables you to view real-time account balances, positions and transaction history from your Apple iPhones.* Other convenient features include: • Consolidated account balances • Remote check deposit • Detailed quotes • Third-party research • Quick access to Advisor contact information If you wish begin using AdvisorClient Mobile, visit the…

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