• Looking ahead: After a summer of fun, September is a time to get back to school, back to business. It's also an important time to review your finances: September is Life Insurance Awareness Month. Mark your calendar and contact your financial advisor if you don't have life insurance, or have not had your policy reviewed in a while. We look forward to helping you to protect your loved ones and to help ensure your insurance coverage is keeping pace with your life and lifestyle.
  • LPL's Research Department has published its Midyear Outlook. Click here, or visit the LPL tab under "Research" for more information:MIDYEAR OUTLOOK
  • Have You Heard of Voice Cloning? If someone calls you and says, "Can you hear me?" - do not answer "yes".  The recording of your voice can be used to open credit cards, loans, and other obligations using your data and the recording of your voice. As always, just hang up. 
  • The financial markets close at 1 pm on Monday, July 3 and will be closed all day on Tuesday, July 4th.
  • EDUCATE YOURSELF AGAINST COMMON FRAUD ATTEMPTS: Periodically, we post educational information about common fraud attempts/scams. *Please be mindful of any "pop ups" on your computer claiming to be Microsoft, Apple, McAfee or another popular tech provider stating that you must call tech support at the number provided. Do not call the number, do not click any links, do not provide any money or password information. Simply sign out of your computer and sign back in.  *Please do not leave your car unlocked or leave your purse in the vehicle while you bring your shopping cart back to the corral. A common scam is for someone to attempt to distract you while their partner takes your wallet. This may happen to people who are distracted putting packages or children into the car. Always keep your purse with you. *Be mindful of emails from people seeking your help due to some urgent situation (lost wallet, lost passport, illness) and needing money from you via wire immediately - always with some reason why they can't talk to you/answer their phone. They may claim to be someone you know - but call your friend/family member/neighbor at a known number and verify. 
  • Off in the summer? Some people, such as those who work in school districts, may be off from work in the summer. Please know that we are pleased to schedule appointments at times convenient for you. Please reach out to your financial advisor for a priority appointment.
  • WealthOne (f/k/a Capital Financial Planning) celebrated our 20th anniversary on 5/5/23.  With extreme gratitude to our clients, advisors, and associates, we are honored to celebrate the 20th anniversary of our firm on May 5, 2023. Thank you for playing an important role in our past, present, and future. We feel privileged to be a part of your lives and that you entrust us to work with you toward your goals. We look forward to continuing our work as a distinctive organization.
  • Have you ever heard of check washing? Check washing is an identity theft scam whereby a fraudster will use chemicals to remove the payee name and amount on a check they have stolen and replace the information in order to cash the check and receive the proceeds. You may realize this has happened if the payee for whom the check was written never receives the money but you see the money coming out of your checking account. If you are putting check payments out in your residential mailbox for the post office to pick up, you may become a victim. To help prevent check washing from happening to you: Mail payments from the post office, put them in the blue mail receptacle boxes prior to last pickup, and retrieve your mail daily. If you are going out of town for vacation, have your mail held at the post office. 
  • A case of local fraud: Local to the Capital District, a fraudster was targeting elderly persons stating he was from city code enforcement and that there would be significant fines if the homeowner did not immediately pay thousands of dollars for repairs. Please be mindful that city officials do not have the authority to demand immediate payment for such repairs. Contact law enforcement should you be approached at any time by persons claiming to be city or government officials demanding payments and making threats to you.
  • Dear Clients:

    Protecting your personal identification and financial information is important toward the prevention of theft and scams. Periodically, we put information on common scams on the News section of our website, and want to provide some reminders:

    • Avoid clicking on links from unknown senders on email and in messaging applications such as on your computer or cell phone. Common schemes include posts allegedly from Amazon, UPS, or FedEx saying the package is undeliverable and you need to confirm your credit card information in order to receive the package or that your account is locked and you must provide this information to unlock it. These companies would never ask for this type of information for that purpose.
    • Do not provide your personal information via the phone such as social security number, birthdate, mother’s maiden name, driver’s license number to callers stating they are from your bank, health benefits company, or other purpose.
    • Dispose of documents containing personally identifiable information via crosscut (confetti) shredder.
    • Do not send documents such as tax returns, driver licenses, insurance cards, etc. via unencrypted email.
    • Avoid social media posts that ask information such as your first grade teacher, your elementary school, your pet’s name, your father’s name and whether he is alive or deceased. These may all be attempts at “data mining” to gather information about you to guess your passwords. Do not provide your birthdate, anniversary, or other data in your social media profile.
    • Be wary of too-good-to-be-true lottery schemes where you are asked to deposit a certain amount of money in a bank account to receive a much larger payment or prize such as a vacation. You might receive an email or letter stating they are a member of royalty, as one example, when asked to make these payments. Do not send any money.
    • Be careful when using any types of dating sites. There are scammers who will state that they are doctors, missionaries, soldiers, or other positions of trust who are doing work in foreign countries but cannot get home unless you send them money, which they will supposedly pay back. Others might say they need money for a sick child, or for their plane fare, but they always have some excuse why they can never meet in person. Never send compromising pictures that scammers might use to blackmail you.
    • If selling something online, never give out your cell phone number as there are scams that take over your SIM card. There are also scams where they seek to give you a check larger than the amount you are seeking and send someone to your house to pick up the rest of the money. This is a money laundering scheme.
    • A common scam with seniors is for someone to call crying stating they are your grandchild. In your upset, you might say their name and the scammer says they have been arrested or are stuck somewhere with no money. They ask you to go and buy gift cards to transfer money. Don’t do this. It is fraudulent.
    • Scammers can be quite convincing. Some may resort to threats, yelling, or intimidation. Hang up. Do not respond.
    • Remember, we cannot take requests to move money or place trades in your account via email or voicemail. We must talk with you and confirm these instructions. Your email may have been hacked and we must verify at the number on file – not the number provided in the email. This is an antifraud measure. Other people may not trade or request money from your account without properly executed forms signed by you.
    • Please be sure to open and read your bank, credit card, investment, and other statements regularly. Review your statements for any signs of unknown transactions or disbursements.

     Please reach out with any questions or concerns

  • Monday, January 16 is a financial markets holiday in observance of the Martin Luther King Jr. Holiday,  Our office will be closed. Please plan ahead for any money movement and distribution requests. 

    Happiest of holidays to all of our clients! May all that is good come to you in the coming year. Please note that the financial markets will be closed on Monday, December 26 and Monday, January 2. Thank you for being such a special part of our firm in 2022. 
  • We are grateful for our relationship with our clients. Thank you for allowing us to share in your lives. Please be mindful that the financial markets will be closed on Thanksgiving Day and will close at 1 pm EST on Black Friday. Some states have made Black Friday a holiday and this may impact the closure of banks within those states. Should you require a distribution from your account, please request it early in the week to avoid potential holiday delays. Happy Thanksgiving! 
  • Phishing attacks tend to spike during the busy holiday season. Be mindful to not click on links and attachments from unknown senders. These may come disguised as electronic greeting cards, sales offers, and even as fraud alerts. Call the alleged sender at the number you have on file to see if they sent it. Never give out your banking or account information or personal identification information to anyone who calls or emails for it.
  • We are thrilled to share the news that Adam Neary, Principal of WealthOne has been named National Man of the Year by the Leukemia and Lymphoma Society on July 12, 2022, for being the top fundraiser, raising $1,095,692 during this 10-week fundraising campaign to fight blood cancer, a disease diagnosed every 180 seconds in the US for which there is no current means of prevention. Adam took part in this competition in honor of Todd Slingerland, Managing Member of WealthOne who battled an aggressive form of lymphoma in spring 2021 and is now in remission. “Todd is a survivor today because of the investment, research, and support for which LLS tirelessly champions, “said Neary. “Just because Todd’s cancer is dormant, doesn’t mean we can be – the fight continues, and it will continue until we find a cure.” Adam Neary led a team of 16 community professionals, Team CureOne, who held events and sought donations from their networks.

    • Over 800 Man/Woman of the Year candidates were raising funds for LLS across the country, from 80 “markets”, including large cities with over 11,000 team members
    • Team CureOne, led by Adam Neary, consisted of 16 members and raised the most money nationally – including through the Party of the Century and Golf for a Cure events organized by Adam.
    • This is the first time an upstate/Hudson Valley candidate ever raised over $1 million (nearly tripling the next highest total ever)
    • Adam secured the largest cryptocurrency donation in LLS history

    Please join us in congratulating Adam Neary on this significant achievement which will help with research, patient support, and education in the continued fight for a cure for blood cancers.

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  • Periodically, we like to provide some education regarding fraud trends.  It is important to protect your personal data such as account numbers, social security numbers, drivers license number, credit card numbers, etc. It is also important to be wary of unsolicited letters stating that you must provide identification documents in order for your credit card application to be processed even if it looks like it is coming from a major bank/financial institution. It is important if selling something online on a social media marketplace where someone is readily able to communicate with you to protect your cell phone data, as there is a way for people to use your cell phone information to verify fraudulent accounts in your name - they don't need your cell phone if they can already message you. Be mindful of scams such as someone is going to come to your house and give you more money than you have asked for the item if you just cash the check and they will pick up the difference (money laundering scam). Be wary of romance scams in which a person online asks for donations to pay for medical bills, travel, charitable endeavors and promises to come visit you but always has an excuse why they don't - these people may claim to be doctors, members of the armed forces, attorneys, government officials, missionaries and can be very convincing.  Be careful of emailing your personal data/documents via an unencrypted email. Do not click on unsolicited links saying that you need to verify your account, credit card, or other data - these emails are usually spoofed from places such as major financial institutions, major package delivery services or shopping websites, the IRS, etc - your account is not going to be locked, you are not going to be arrested, etc. Your financial organization does not need to remotely access your computer. Be sure to read your bank, credit card, investment and other statements regularly or access your accounts online so that you can spot purchases you did not make, etc. If someone calls you on the phone stating a loved one is in jail and needs bail, hang up - often they will pretend to be a grandchild and in your upset they will prey upon your emotions. If someone asks you to go and buy a gift card for money and give them the numbers over the phone, hang up. It is important to educate yourself about current scams and to remain vigilant. 

  • We are pleased to announce that Adam Neary was named the Leukemia and Lymphoma Society 2022 Man of the Year for the Upstate NY/VT territory for leading a team of volunteers to fundraise toward research and a cure for blood cancers. Through Adam's leadership, Team CureOne, a team of 10 community professionals, raised over $1 million for the organization. Adam was honored at the Grand Finale event on June 2, 2022 in Albany, NY where the LLS Man of the Year and Woman of the Year were announced to the attendees. This competition is run by the Leukemia and Lymphoma Society annually and is a 10-week sprint. The candidates seek to raise as much money as possible during the campaign period. We are all very proud of Adam. This was a very personal endeavor for Adam and all of our office as our own CEO Todd Slingerland battled Non-Hodgkin's Lymphoma in 2021 and is now declared cancer-free. Congratulations to Adam and to Todd on a much deserved celebration. 

  • We have masks and hand sanitizer available in our reception area and conference rooms for those clients who wish to meet in person but desire a measure of health safety. Please note that phone and videoconference meetings are available to any clients desiring them.

  • Our renovations are complete. Please enjoy our new look including a refreshment bar in the lobby with a flavored coffee station and assorted snacks, a scenic fish tank with multicolored varieties of fish, and our new ipad sign in system which automatically notifies your advisor of your arrival. Check out our all-new Trackman golf simulator and play famous golf courses throughout the world! We look forward to your visit!

  • September is Life Insurance Awareness Month - however, we are available to discuss your insurance needs any time. Do you have life insurance? If you have a policy, when was the last time you had it reviewed? Ask us how we might assist you toward making sure your coverage keeps pace with your needs.

  • We proudly rebranded our firm with a new name: WealthOne. Bringing you fresh perspectives while maintaining our proud client service traditions, we are pleased to offer a wide range of wealth management services. You will soon see a newly redesigned headquarters office at 6 Tower Place to better serve you. We are pleased to build upon our strong foundation of serving clients from coast to coast with their investment needs                                                 

    Dear Clients:

    This is a very important reminder about protecting your personal data:

    • Protect your user id and passwords at all times and do not share them with others. Financial institutions do not need to access your computer. That is an emerging scam. Please change your password frequently and do not hang your passwords on or around your computer.


    • Be mindful that the IRS, your bank or credit union, major retail stores and online merchants (such as Amazon) do not need you to confirm your account number, credit card, Social Security number, or other data. Scammers often use the names of well-known businesses to attempt to gather personal information through email links or text links. For example, receiving a text stating your Amazon account will be locked if you do not confirm your payment information. If you check your Amazon account, you will find it is fine.


    • Your power company is not going to turn off your power if you have paid your bill regularly. Please be mindful that this and other “urgent” actions are designed by scammers to upset you and catch you off guard.


    • A common scam is for package tracking by Amazon, UPS, or FedEx where you will be asked to re-confirm payment information or your package will not be shipped. This is likely to increase as we enter the holiday season.


    • Your grandchild is not in jail requesting bail in a foreign country. Your neighbor has not lost their passport – do not wire money. They often have a reason why they can’t talk to you – throat cancer, being detained, lack of phone service. These are scams – don’t worry about being polite; hang up immediately.


    • Scammers can find information about you online – phone number, address, age, even the names of relatives. They may prey upon the elderly utilizing some of this information as they seek to obtain other information. Again, hang up.


    • If anyone asks you to go buy gift cards such as “Green Dot” cards and provide the number to them, do not do so. The money will be gone immediately and not traceable!


    • If someone notifies you that you have one an award, prize, or sweepstakes but must provide your bank account or credit card information to claim the prize, it is a scam.


    • Natural disasters such as hurricanes, wildfires, or floods as well as current world circumstances such as epidemics or wars are common occasions for scammers seeking to raise funds. Other common scams are those calling pretending to be from police or other law enforcement agencies. Please do not give money out over the phone or internet. Always research charities to make sure they are legitimate before giving.


    • Be mindful of romance scams on dating websites, always having some reason why they need money (sick family members, need it for supplies to cure sick children, cannot travel back because of needing money for visa, etc.) – always promising to visit but always having an excuse at the last minute why they cannot. Often, they will pretend to hold prestigious positions including as royalty, doctors, lawyers, high ranking military officials. They can be very convincing.



    • Consult with your credit card companies about fraud alerts and other protections they can place on your cards against unusual charges.


    • Be mindful of information you share on social media – particularly in quizzes or questions like “Who was your first grade teacher?” “What was your first car?” “What is your mother’s first name?” “Where was your first plane trip?” Those are all attempts to gather security information.


    • Do not email drivers licenses, medical cards, statements, or tax returns on unencrypted emails. Encrypt any email with personal identifiable information in the body of the email or as attachments. Personal identifiable information can be handed to, faxed, or mailed to your professionals.


    • Consider adding “two factor authentication” to your accounts in which you have to receive a code to your cell phone or email before access is granted.


    • Hover your mouse over the email address to see if another email address is really where the message originated. Email addresses from major companies may be “spoofed” when they are actually from someplace else. There are often irregularities in the logo, grammar, website and other indications that they may be fraudulent.


    • Do not be afraid to call you bank, credit card company, or retailer at the phone number on your statement (not the one provided in an email) to verify the information you have received or the directions that the caller or mailer is requesting. You will likely find that the activity is fraudulent.


    • If you are selling something online, such as through a “marketplace”, someone may offer you more money and say that someone will come by your home to pick up the excess money. This is a money laundering scam. Do not engage.


    • Be mindful of emails and texts from unknown senders. Do not click on links or attachments from unknown senders. Delete the email. Often these emails may have generic greetings like “Hello Bank Customer”.


    If you believe you have been a victim of fraud, there are some actions to consider:

    *Change passwords immediately. Log out of every account such as social media, email, subscriptions, etc. and change the passwords on those accounts.

    *Make sure that antimalware and antivirus is up to date.  Run a full system scan to see if there is any issue. Remove the issue.

    A general malware scan may help to ensure that nothing malicious was installed on your machine. One place to do this would be:

    1. Run a Malwarebytes Antimalware Scan:
    2. Run a Malwarebytes Anti-Rootkit Scan:


    Check the Programs & Features list and sort by “install date”. Any recently installed programs that are not recognized can be removed, although you would want to  cross-check the name of the program on Google to see if it is or is not legitimate.


    *Enroll in credit monitoring services from a major provider that monitors the 3 major credit bureaus. Review your bank and credit card statements upon receipt as well as check activity online to verify that no fraudulent activity has occurred. Report any fraudulent transactions immediately.

    *Contacting law enforcement on the non-emergency number to let them know about a scam that is circulating in your area.

    Anyone can become a victim. Stay vigilant and informed. We care about you and want to help to provide education as an ounce of prevention.

    Most sincerely,