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How Our Fiduciary Standard Protects You

Posted Monday, June 12, 2017 by Jules VanSant.

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Source: Printer’s 401k

By: Joe Trybula

You may have heard media reports about a new fiduciary rule for retirement accounts that President Trump has rescinded. Understandably, you may have questions about how this might impact to your 401k plan. The rule was designed to ensure recommendations made by financial advisors to their clients regarding their 401k plan are always made in the best interests of the client without any conflicts of interest.

As a Registered Investment Advisor, we are already under the highest fiduciary standard – so enacting the rule or rescinding it doesn’t change our status. We have had this higher standard in place all along and will continue to do so. It’s always been part of our DNA.

We have been serving as a fiduciary all along:

A “fiduciary” who manages an investor’s assets has a legal and ethical obligation to put the investor’s interests first. That means helping the investor make decisions in his or her best interests. This fiduciary standard has always been at the core of our firm’s mission to our clients.

Here’s how we will protect you and your investments:

• We always put your needs first. We are committed to the highest professional and personal standards, and this commitment remains as strong as ever. Our sole focus is on your financial needs and goals and how we can best help you pursue them.

• We always act in your best interests. We are committed to putting your needs and goals before those of our firm. We strive to avoid any conflicts of interest, and if they arise and are unavoidable, we disclose these to you immediately. We provide a high level of transparency around any fees or expenses associated with your accounts, so that you always know what you own and what you’re paying for it, so there are never any surprises.

• We are an independent and objective resource. As an independent firm, we provide you with objective, unbiased advice based solely on your needs and goals. We provide guidance that is truly objective, unencumbered by any potential conflicts of interest. We have no vested interest in promoting a particular product or service. Our only interest is that your financial objectives are met.


In financial services, there have traditionally been two types of standards: the suitability standard and the fiduciary standard.

The suitability standard is defined as determining whether an investment product or strategy is “suitable” for the investor based on his or her financial objectives and risk comfort level. Many advisors operate under the suitability standard where the advisor simply determines whether a recommended product or strategy is suitable for the client.

The fiduciary standard is a higher level of responsibility for the advisor. The fiduciary standard goes beyond suitability and requires that any advice on products and strategies be provided in the best interests of the investor. The fiduciary standard of care requires that the advisor take into consideration whether the fees are reasonable, whether there are any conflicts of interest, and whether the investments are adequately diversified.


As your advisor, we adhere to the fiduciary standard, and we believe this model of disclosure and transparency is in your best interests. In our view, you deserve to have your needs put first and the strategies and investment products we recommend should align according to those needs.

Our fiduciary standard mandates that every single recommendation we make must be based on your best interests, and there is no circumstance when we can place our interests above yours. By adhering to the fiduciary standard, we believe we can provide you with the highest standard of care for all your investment and retirement needs.


When it comes to managing your money, your financial relationships should be built on a foundation of trust, integrity and transparency. Not all firms and advisors adhere to the same legal and regulatory standards.

We remain committed to earning and maintaining your trust through expert advice and effective strategies custom tailored to your unique needs. We define our success by seeing you succeed in achieving your financial goals. And our focus remains on serving your interests first and foremost.

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Total Eclipse of the Sun to be commemorated on a Forever Stamp

Posted Monday, June 5, 2017 by Jules VanSant.

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WASHINGTON — The Postal Service will soon release a first-of-its-kind stamp that changes when you touch it. The Total Eclipse of the Sun Forever stamp, which commemorates the August 21 eclipse, transforms into an image of the Moon from the heat of a finger. The public is asked to share the news on social media using the hashtag #EclipseStamps.

Tens of millions of people in the United States hope to view this rare event, which has not been seen on the U.S. mainland since 1979. The eclipse will travel a narrow path across the entire country for the first time since 1918. The path will run west to east from Oregon to South Carolina and will include portions of 14 states.

The June 20, 1:30 p.m. MT First-Day-of-Issue ceremony will take place at the Art Museum of the University of Wyoming (UW) in Laramie. The University is celebrating the summer solstice on June 20. Prior to the event, visitors are encouraged to arrive at 11:30 a.m. to witness a unique architectural feature where a single beam of sunlight shines on a silver dollar embedded in the floor, which occurs at noon on the summer solstice in the UW Art Museum’s Rotunda Gallery.

The Total Eclipse of the Sun Forever stamps may be pre-ordered at in early June for delivery following the June 20 nationwide issuance.

Thermochromic Ink

The stamp image is a photograph taken by astrophysicist Fred Espenak, aka Mr. Eclipse, of Portal, AZ, that shows a total solar eclipse seen from Jalu, Libya, on March 29, 2006.

In the first U.S. stamp application of thermochromic ink, the Total Eclipse of the Sun Forever stamps will reveal a second image. Using the body heat of your thumb or fingers and rubbing the eclipse image will reveal an underlying image of the Moon (Espenak also took the photograph of the Full Moon). The image reverts back to the eclipse once it cools.

Thermochromic inks are vulnerable to UV light and should be kept out of direct sunlight as much as possible to preserve this special effect. To help ensure longevity, the Postal Service will be offering a special envelope to hold and protect the stamp pane for a nominal fee.

A total eclipse of the Sun occurs when the Moon completely blocks the visible solar disk from view, casting a shadow on Earth. The 70-mile-wide shadow path of the eclipse, known as the “path of totality,” will traverse the country diagonally, appearing first in Oregon (mid-morning local time) and exiting some 2,500 miles east and 90 minutes later off the coast of South Carolina (mid-afternoon local time).

A total solar eclipse provides us with the only chance to see the Sun’s corona — its extended outer atmosphere — without specialized instruments. During the total phase of an eclipse the corona appears as a gossamer white halo around the black disk of the Moon, resembling the petals of a flower reaching out into space.

Art director Antonio Alcalá of Alexandria, VA, designed the stamp.

The Total Eclipse of the Sun stamp is being issued as a Forever stamp, which is always equal in value to the current First-Class Mail 1-ounce price.

The Postal Service receives no tax dollars for operating expenses and relies on the sale of postage, products and services to fund its operations.

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Ransomware Alert: Defend Yourself Against WannaCrypt

Posted Wednesday, May 17, 2017 by Jules VanSant.

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Source: KirkpatrickPrice

On Friday May 12th, 2017, a large ransomware attack was launched, known as WannaCrypt (a.k.a. WannaCry), which infected more than 230,000 computers across 150 countries, and counting. This unprecedented cyberattack has left organizations struggling in the aftermath as they try to recover. WannaCrypt demands payment of ransom in bitcoin and has spread in several ways; phishing emails and as a worm on unpatched computers.

The attackers responsible for WannaCrypt used the EternalBlue exploit which attacks computers running Microsoft Windows operating systems. Unfortunately, this could have been avoided by many had they installed the updated patch that was released as “critical” by Microsoft to mitigate this vulnerability on March 14th, 2017.

KirkpatrickPrice is urging organizations to update this patch immediately, and to always update patches in a timely manner – particularly critical updates. Organizations must be proactive with their security in order to defend against potential ransomware attacks. Here are four things your organization should do today to protect against a ransomware attack.

4 Things your Organization Should do Today to Prevent WannaCrypt Ransomware Attack:

  1. Update – Updating security patches and keeping operating systems up to date is a critical activity for preventing a malicious cyber-attack, such as WannaCrypt. As organizations have learned from this devastating ransomware, weaknesses in applications and operating systems are the target of malicious hackers. Don’t leave a known vulnerability open to attack.

  2. Backup – When organizations are victims of ransomware attacks, they are pressured to pay a ransom to get back all of their data and files that have been stolen and encrypted by the attackers. Performing regular backups on entire machines can ensure that the data that is critical to your business will still be available. Regularly performing backups for critical data, files, and systems can help make the recovery and restoration process quicker and easier.

  3. Train – Your weakest link will always be your employees. Ransomware targets the human element. By regularly training your employees to recognize and avoid phishing attempts and other strategically crafted social engineering attacks can lessen your chances of being the next WannaCrypt target. KirkpatrickPrice offers phishing assessments and security awareness training that can help spread awareness and educate the workforce.

  4. Test – Performing an advanced external penetration test is a strategic approach to identify weaknesses in network and application security, as would a hacker. Penetration tests allow you to identify and prioritize your risks in order to prevent hackers from infiltrating your critical systems. It can also help you avoid a costly breach and loss of business operability that ransomware attacks will cause.

Don’t wait until it’s too late and you’ve become the next victim of a devastating ransomware attack like WannaCrypt. Do these things to prevent a ransomware attack today and don’t forget to perform regular risk assessments to ensure that you’re properly protecting your organization against any and all malicious threats. For more information about ransomware prevention or risk assessments, contact me today at

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PPI's Newest Program - The Digital Technology Council

Posted Wednesday, May 17, 2017 by Jules VanSant.

alt textMany things are changing in the industry, most of all technology. Technology to process work, to operate more efficiently, to provide better information to customers – it is all changing the way we operate our business.

To better serve PPI members on technology issues, we have partnered with printing associations across the nation to launch a new program – PPI’s Digital Technology Council (DTC). The DTC will be PPI’s opportunity to address the latest technology in our industry to ensure that members have access to new, exciting tools and resources helping to shape the future of print.

There is no special fee or membership needed for professionals and employees of PPI member companies to participate in the DTC. For now, the delivery of the education and resources will be through webinars and articles, although future face-to-face meetings and sessions will be offered through the DTC as well.

DTC’s webinar will be Improving Digital Workflows presented by EFI on June 6 at 11:00 AM PST. Visit our website at>events to register. I hope you can join us.

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How to Maximize Your Daily Schedule

Posted Monday, May 15, 2017 by Jules VanSant.

Source: Communications@Syracuse, the online masters in communications

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