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Preventing Fraud

How We Work
Prevent
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How We Can Work Together To Protect Your Information And Assets

Safe practices for communicating
with our firm

• Keep us informed regarding changes to your personal
information.
• Expect us to call you to confirm email requests to
move money, trade, or change account information.
• Establish a verbal password with our firm to confirm
your identity, or request a video chat.

How Schwab protects your account

Schwab takes your security seriously and leverages protocols and policies to help protect your financial assets. Below are actions you can take to reinforce their efforts and resources to assist you in keeping your account safe:

• Confirm your identity using Schwab’s voice ID service when calling the Schwab Alliance team for support.
• Use two-factor authentication, which requires you to enter a unique code each time you access your Schwab accounts.
• Review the Schwab Security Guarantee, which covers 100% of any losses in any of your Schwab accounts due to unauthorized activity.

To learn more, visit Schwab’s Client Learning Center at http://content.schwab.com/learningcenter/

What you can do

• Be aware of suspicious phone calls, emails, and texts asking you to send money or disclose personal information. If a service rep calls you, hang up and call back using a known phone number.
• Never share sensitive information or conduct business via email, as accounts are often compromised.
• Beware of phishing and malicious links. Urgent sounding, legitimate-looking emails are intended to tempt you to accidentally disclose personal information or install malware.
• Don’t open links or attachments from unknown sources. Instead, enter the web address in your browser.
• Check your email and account statements regularly for suspicious activity.
• Never enter confidential information in public areas. Assume someone is always watching.

Exercise caution when moving money

• Leverage our electronic authorization tool to verify requests. Featuring built-in safeguards, this is the fastest and most secure way to move money.
• Review and verbally confirm all  disbursement request details thoroughly before providing your approval, especially when sending funds to another country. Never trust wire instructions received via email.

Adhere to strong password principles

• Don’t use personal information as part of your login ID or password and don’t share login credentials
• Create a unique, complex password for each website, Change it every six months. Consider using a password manager to simplify this process.

Maintain updated technology

• Keep your web browser, operating system, antivirus, and anti-spyware updated, and activate the firewall.
• Do not use free/found USB devices. They may be infected with malware.
• Check security settings on your applications and web browser. Make sure they’re strong.
• Turn off Bluetooth when it’s not needed.
• Dispose of old hardware safely by performing a factory reset or removing and destroying all storage data devices. Use caution on websites and social media
• Do not visit websites you don’t know, (e.g., advertised
on pop-up ads and banners).
• Log out completely to terminate access when exiting all websites.
• Don’t use public computers or free Wi-Fi. Use a personal Wi-Fi hotspot or a Virtual Private Network (VPN).
• Hover over questionable links to reveal the URL before clicking. Secure websites start with “https,” not “http.”
• Be cautious when accepting “friend” requests on social media, liking posts, or following links.
• Limit sharing information on social media sites. Assume fraudsters can see everything, even if you
have safeguards.
• Consider what you’re disclosing before sharing or
posting your résumé.

What to do if you suspect a breach

• Call my office or your Schwab Alliance team immediately at 800-515-2157 so that they can watch for suspicious activity and collaborate with you on other steps to take.
• Request our “How to Respond to a Data Breach” flyer for more information.

Use caution on websites and social media

• Do not visit websites you don’t know, (e.g., advertised on pop-up ads and banners).
• Log out completely to terminate access when exiting all websites.
• Don’t use public computers or free Wi-Fi. Use a personal Wi-Fi hotspot or a Virtual Private Network (VPN).
• Hover over questionable links to reveal the URL before clicking. Secure websites start with “https,” not “http.”
• Be cautious when accepting “friend” requests on social media, liking posts, or following links.
• Limit sharing information on social media sites. Assume fraudsters can see everything, even if you have safeguards.
• Consider what you’re disclosing before sharing or posting your résumé.

What to do if you suspect a breach

• Call my office or your Schwab Alliance team immediately at 800-515-2157 so that they can watch for suspicious activity and collaborate with you on other steps to take.
• Request our “How to Respond to a Data Breach” flyer for more information.

© 2022 Hilltop Wealth and Tax Solutions

Website Disclosures

Hilltop Wealth Solutions (“Company”) is an SEC registered investment adviser located in Mishawaka, IN with branch office located in MI and other locations throughout IN.  The Company may only transact business in those states in which it is registered or qualifies for an exemption or exclusion from registration requirements.  The Company’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links.  Accordingly, the publication of the Company’s web site on the Internet should not be construed by any consumer and/or prospective client as the Company’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet.  Any subsequent, direct communication by the Company with a prospective client shall be conducted by a representative that is either registered or qualified for an exemption or exclusion from registration in the state where the prospective client resides.  For information pertaining to the registration status of the Company, please contact the SEC or the state securities regulators for those states in which the Company maintains a notice filing.  A copy of the Company’s current written disclosure statement discussing Company business operations, services, and fees is available by going online via the SEC’s Investment Advisers Public Disclosure (IAPD) database at www.adviserinfo.sec.gov, using SEC #801-115255.

The Company does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to the Company web site or incorporated herein and takes no responsibility, therefore.  All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Please remember that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by the Company, will be profitable or equal any historical performance level(s).

Certain portions of Company web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, the Company (and those of other investment and noninvestment professionals) positions and/or recommendations as of a specific prior date.  Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s).  Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from the Company, or from any other investment professional.

The Company is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice.

Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if the Company is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of the Company by any of its clients.  Rankings published by magazines and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser.  Rankings are generally limited to participating advisers.

To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to the Company web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from the Company, or from any other investment professional.

Each client and prospective client agrees, as a condition precedent to his/her/its access to the Company web site, to release and hold harmless the Company, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from the Company.

Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

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