• Think before you click… or speak. Whether over email or phone, make sure the person on the other end is who they say they are. Avoid clicking on emails that have a sense of urgency and hyperlinks in emails unless you trust the sender. Double-check URLs, and only use phone numbers printed on your credit cards or bills.

  • Consider Open DNS for web traffic. Open DNS includes a feature for phishing and malware protection by providing web filtering. This helps prevent malicious code from getting onto your computer by keeping off bad sites.

  • Run regular updates and check for updated firmware.

  • Exercise caution with public wi-fi. If you can’t avoid public wi-fi, stay away from anything sensitive, use only secured sites, and turn off “sharing.” Use your smartphone as a hotspot instead of public wi-fi.

  • Participate in ongoing training. Explore free and paid options, for example:

  • Use strong passwords and never keep “default” passwords. Consider complex passwords like pass phrases for additional complexity, and a password manager.

  • Back up your data regularly.

  • Don’t use your debit card for online purchases.

  • Avoid sharing personal details on social media sites.

  • Open attachments on your mobile device vs. your computer/desktop when possible.

  • Consider freezing your credit. 

  • Avoid being the victim of phone scams. Common scams include threatening calls from the IRS, free prizes, unsolicited tech support, and website password requests.

  • Be cautious of gift cards. Always buy directly from a retailer and do not share any information about the cards with others.  Be cautious when receiving an unsolicited email or text offering you a free gift card if you “click on the following link” or unknowingly purchase one that has a compromised scratch-off firm strip.

  • Use multiple layers of authentication, wherever possible.

  • Use the Modera Client Hub. The Client Hub is a more secure way to send information to us. Never use regular email for sending information with sensitive financial or personal information, such as your social security or account numbers.

Modera Wealth Management., LLC is an SEC registered investment adviser with places of business in Massachusetts, New Jersey, New York, Pennsylvania, Georgia, North Carolina and Florida. SEC registration does not imply any level of skill or training. Modera may only transact business in those states in which it is registered or qualifies for an exemption or exclusion from registration requirements.

For additional information about Modera, including its registration status, fees and services and/or a copy of our Form ADV Disclosure Brochure, please contact us or refer to the Investment Adviser Public Disclosure web site (www.adviserinfo.sec.gov). A full description of the firm’s business operations and service offerings is contained in our Disclosure Brochure which appears as Part 2A of Form ADV. Please read the Disclosure Brochure carefully before you invest or send money.

This article is limited to the dissemination of general information about Modera’s investment advisory and financial planning services that is not suitable for everyone. Nothing herein should be interpreted or construed as investment advice nor as legal, tax or accounting advice nor as personalized financial planning, tax planning or wealth management advice. For legal, tax and accounting-related matters, we recommend you seek the advice of a qualified attorney or accountant. This article is not a substitute for personalized investment or financial planning from Modera. There is no guarantee that the views and opinions expressed herein will come to pass, and the information herein should not be considered a solicitation to engage in a particular investment or financial planning strategy. The statements and opinions expressed in this article are subject to change without notice based on changes in the law and other conditions.

Investing in the markets involves gains and losses and may not be suitable for all investors. Information herein is subject to change without notice and should not be considered a solicitation to buy or sell any security or to engage in a particular investment or financial planning strategy. Individual client asset allocations and investment strategies differ based on varying degrees of diversification and other factors. Diversification does not guarantee a profit or guarantee against a loss.