If You Can’t Touch It, Is It Really Art?

By Kristan Anderson, CEBS®, CFP® | Dir. Of Retirement Plan Services & Dir. Of Financial Planning
You know how your Apple iTunes library is not really music you own, even though you paid for it? Yet your vinyl collection somehow now has some appreciable value? Or did you ever collect baseball trading cards? And now you see that these cards exist in the digital world and are being traded at high values.
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Continued Growth in Cybercrime and Tips to Protect Against It

Mai Nguyen and John Kim
With continued advancements in the digital world, individuals have inevitably seen an increase in cybercrime. According to the FBI Internet Crime Complaint Center, financial losses due to investment schemes rose more than 300% to $10.3 billion in 2022, compared to the previous high of $3.3 billion in 2021.
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Stereos, Records, & Cassettes

Laurie M. Kramer, CFP® »
I LOVE that I had the childhood that I did – playing outside for hours on end with little to no supervision, climbing on metal playground equipment, Saturday morning cartoons (Scooby Doo, Where Are You?) reading Nancy Drew books, and listening to Casey Kasem’s Top 40 countdown on the radio. I also had the benefit of growing up on a farm, so caring for the horses was among many things that I did to earn my allowance.
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In Support of Music

By Kristan L. Anderson, CFP®, CEBS®
Anyone who knows me, knows that I love music. I sent both of my kids through the School of Rock program from elementary school through high school. My daughter still works for them during her college breaks and is in a band, herself. So, I’m very interested in how music is made and shared, and how artists profit from their efforts over time.
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What Got Me Interested in Bitcoin

By Kristan Anderson, CEBS®, CFP® | Dir. of Retirement Plan Services & Dir. of Financial Planning
I recently attended a Fidelity sponsored webinar in which they presented their new whitepaper on bitcoin. In general, I’m skeptical of digital assets such as bitcoin and other digital currencies, as well as Non-fungible tokens (NFTs) and the like.
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Cryptocurrency in Your Estate Plan

Rasti Nikolic, Associate Financial Planner
Cryptocurrency is a digital or virtual currency that uses cryptography for security. Each cryptocurrency uses a unique electronic address for transfer between users’ digital wallets. The user must have a ‘private key’ to be able to move cryptocurrency. If the owner does not provide a fiduciary with a ‘private key,’ the cryptocurrency is inaccessible by anyone upon the owner’s incapacity or death. This is known as a “black hole” wallet because the cryptocurrency becomes inaccessible and essentially worthless. Cryptocurrency is difficult to counterfeit because of this security feature. A
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What’s in Your (Digital) Wallet?

By Rasti Nikolic | Associate Financial Planner
If you want to own Bitcoins or any other cryptocurrency, you need to have a digital wallet. The purpose of a digital wallet is to provide a space to send and receive cryptocurrency and to store private keys. Private keys are known only to the owner and are needed to authorize transfers.
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Digital Love – Planning for Your Digital Assets

By Rasti Nikolic | Associate Financial Planner
In order to develop a digital asset plan, first we need to define digital assets. In general, digital assets are a form of personal property, including emails, social networking sites, digital collections, and cryptocurrencies.
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