Autumn Years Spring 2024

Your Search for a Trusted Advisor W hen searching for a trusted Financial Advisor, first and foremost make sure you hire a CFP®, Certified Financial Planner. At a time when many other financial pro fessionals choose to be accountable only in a specific area of expertise, a CFP® will accept accountability in all areas of fi nancial planning. Unfortunately your stockbroker, insurance professional and once a year tax preparer don’t fit the bill. Scipione Wealth Advisors, Inc . will “quarterback” all facets of your financial life, investment, education and retirement planning; elder care; estate and tax planning and prepara tion; life/disability/long-term care insurance analysis; debt and risk management and review of your employee benefits.

There are many more children who deserve the chance to live a long life. Will you partner with us to bring them the life saving surgery they need? You can help by donating.

ber or friend with a paper copy of your EFFAK in a sealed envelope. Provide instructions that they should open the envelope only with your approval or the approval of someone you have chosen in the event you cannot make decisions on your own. • Update: Revisit your EFFAK on a regular basis to determine whether any information needs updating. Suggested times to review it include tax prepara tion time, the beginning or end of day light saving time, your birthday and the start of a new year. Any of the following events should prompt you to change your EFFAK as soon as possible: SAVE THE DATE Waldwick Chamber of Commerce presents TASTE OF WALDWICK Monday, October 23, 2023 6:00pm to 8:00pm rain or shine Jaqua Hall in the John Rosencrantz House At the Hermitage Join us as we sample and get to know some of Waldwick’s best treasures, our Food and beverage establishment’s all in one place. This is a Tas'ng and not a sit-down dinner Live music - Door prizes – suppor=ng vendor tables and so much more. INSTITUTE FOR LEARNING IN RETIREMENT FALL SEMESTER 2023 Join a community of lifelong learners 55+ and choose from a variety of courses both in-person and online. Fall Registration Opens: September 13 Fall Program: September 26 to December 15 TO MAKE A DONATION http://paypal.me/asrrotary TO SEND A CHECK Allendale-Saddle River Rotary Club PO Box 124 Allendale, NJ 07401 Enter “ Gift of Life ” in memo line ILR.BERGEN.EDU

(201) 703-8800

Louis T. Scipione, CFP®, CPA, has been in practice for over 35 years, offering hands-on personal financial planning to indivuals and emerging businesses.

lou@scipionewealth.com www.scipionewealth.com

17 Arcadian Way • Suite 108 Paramus, NJ 07652 511 Goffle Road • Suite 202 Wyckoff, NJ 07481

HOW TO STAY SAFE FROM SCAMS Unfortunately, natural disasters and other emergencies inspire fraudsters to take advantage of those in difficult or desperate situations. In addition to being financially prepared to handle the aftermath of an unexpected crisis, you should be aware of red flags that might indicate a scam, including: • Up-front fees. Help with claiming services, benefits or loans should not require payment in advance. • Door-to-door repair sales. These types of salesmen should be thoroughly vetted and should trigger suspicion, es pecially if they ask for advance payment or offer steep discounts. • People asking for personal informa tion or payment without credentials. Never give out personal information to people you do not know, including over the phone. Con artists may attempt to pose as government employees, insur ance adjusters or bank employees. Call

these agencies back at a verified number before disclosing any information. • A sense of urgency. Be suspicious of those who claim to want to help but warn that there is a limited-time offer or pressure you to sign on the spot. You need time to thoroughly review and process anything presented to you. Consult a trusted friend, relative, lawyer or advisor.

Tim Duncan is a financial consultant located at Duncan Financial Group in Maywood, NJ. Tim offers securi ties and advisory services as an

Investment Advisor Representative of Com monwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Advisor. Additional advisory services offered through Duncan Financial Group, LLC are separate and unrelated to Commonwealth. He can be reached at Tim@dfgroup.org or by calling 201- 612-9572.

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• Change of insurance • Change of residence • Purchase of new home or rental of new apartment • New bank account • Change in marital status

• Retirement planning • Death in household Proceeds from this event will go to the TURN THE TOWNS TEAL® campaign and the charitable services directed at promoting awareness of ovarian cancer, its symptoms and risk factors as well as the fundraising services for ovarian cancer research. For more information on ovarian cancer go to www.turnthetownsteal.org Tickets are available on line only at www.thewaldwickchamberofcommerce.com

SPRING 2024 I AUTUMN YEARS 21