Artificial intelligence is quickly becoming part of everyday life. While it may offer incredible convenience, it is also creating new risks that are evolving just as fast.

Our next Kensington Connect virtual event will welcome former FBI Special Agent Jeff Lanza for a timely virtual conversation on how to use AI more effectively while protecting yourself from emerging threats.

Join us Thursday, May 14 at 3 p.m. ET for our next Kensington Connect virtual event.

During this session, Jeff will share practical ways to use AI to stay organized and productive, along with how criminals are using it to power more sophisticated scams, including phishing, identity theft, and deepfake impersonations. He will also walk through simple, actionable steps you can take to better protect your personal information. 

If you would like to attend, please email Carol.Nicholl@kensingtonwealth.com to be added to the guest list. You are also welcome to share this invitation with a family member or friend who may benefit from the discussion.

We hope you plan to join us for what should be a very informative session.

Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth. 8842063

Many of life’s biggest financial decisions happen in times of transition like marriage, growing families, career changes or moves, loss of loved ones, retirement, and even unexpected opportunities. At Kensington, we’re proud to help each client through them.

Watch the replay from our most recent Kensington Connect virtual event for a session designed to help you to continue to navigate these pivotal moments with confidence.

ACCESS REPLAY LINK HERE 

Our guest speaker is Bruce Feiler, best-selling author of Life Is in the Transitions and The Secrets of Happy Families. Bruce adds depth to this important topic as he will share powerful insights and strategies to help you and your family navigate major life changes with ease. You’ll learn:

• How to handle life’s most challenging transitions
• The surprising science behind resilience and reinvention
• Tools to write your own life story in times of change

This event is offered as a benefit to Kensington clients and friends.

Our Kensington team is here to be a trusted partner when life brings you challenging times. Contact us if there are any current situations you need help navigating.

Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.

Did you miss our recent Kensington Connect virtual event, Securing the Future: Strategic Defense Against Fraud & Cyber Threats? You can now watch the full replay (available for a limited time).

In this exclusive, client-only session, a panel of cybersecurity and fraud prevention experts share practical strategies to help you:

• Recognize and avoid phishing scams and identity theft tactics
• Protect your financial and personal information online
• Build safer habits for everyday digital activities

This session is part of our ongoing commitment to keep clients informed and empowered.

Please access the recording using the following link and passcode:
Strategic Defense Against Fraud & Cyber Threats Event Link

PASSCODE: Q+Xju&0B (passcode is case sensitive and 0 is numeric)

If you have questions after watching, we’re always here to help.

For those who weren't able to attend our October 2024 virtual event, you are invited to view the recording linked below.

The capabilities of AI (Artificial Intelligence) for business and personal use continue to expand, so it’s time to embrace AI or potentially be left behind! This Kensington Connect event shares practical ways AI can help enhance your life.

Our guest speaker is Russ Kliman¹, a renowned AI expert, and CEO and founder of FutureCrafted. Russ has extensive experience using AI to improve business operations, enhance customer experiences and accelerate growth.

He will provide valuable takeaways to help you unlock the power of AI, not only for business use but in your daily life. This session is open to all Kensington clients and friends at no cost to you. It is definitely one you won’t want to miss to learn about the power, potential, and practical uses for AI! 

Please access the recording using the following link: 

https://share.vidyard.com/watch/feQS3UB2m1S6EsvUpQzguA

1 Not affiliated with Osaic Wealth, Inc.  The content of this presentation is for informational and educational purposes only. CRN-7020772-091624 

For those who weren't able to attend our May 2024 virtual event, you are invited to view the recording linked below.

Caring for aging parents has so much significance for so many of us. This is a responsibility that most of us may take on at some point (if we’re not there already). And our team can assure you, it is not the easiest of responsibilities!

If you’re facing this possibility or already caring for a parent, this informative session offers support, tools, and strategies for all aspects of caregiving for your senior loved ones.

Our guest speaker is Iris Waichler, an experienced social worker and author of the book Role Reversal: How to Take Care of Yourself and Your Aging Parents.

During the session, Iris shares valuable information on:

• How to have the caregiver conversation
• How to build a support network and caregiving team
• The challenges of caregiving and causes of caregiver burnout
• How to prevent and cope with caregiver burnout
• A variety of caregiver resources

Please access the recording using the following link:

https://event.on24.com/wcc/r/4480580/A7BD661853AA9A24C69C84375E8674D3

You will need to enter your name and email address to immediately access the recording.

For additional details on the event or help with this topic, please contact us. Our team is here to help you through this important life stage. 

The content of this presentation is for informational and educational purposes only. CRN-6291630-012424

Keeping Your Brain Young Virtual Event Recap

If you missed our November Kensington Connect Virtual Event on the topic of brain health, you are invited to view the recording and share it with those in your network who may benefit. 

Because of Kensington’s strong industry partnerships, we are able to share this informative session with distinguished speaker and brain health expert Dr. Marc Milstein at no cost. The recording will be available for the next 30 days.

You will find immense value in watching to gain practical, life-changing tips. The recording includes information that you will be able to immediately put to use to improve your brain health and ultimately help keep your brain young.

Please access the recording using the following link:

https://event.on24.com/wcc/r/4314703/A74E6DD20156F57E308BA8E57A038950

You will need to enter your name, email address and my name to immediately access the recording.

It’s our goal at Kensington to be your partner in building your best life. Please reach out to our team if you have any questions or additional needs at this time.

The content of this presentation is for informational and educational purposes only. CRN-5853255-080223

Kensington Virtual Event Recap

If you missed our March 30 Kensington Connect Virtual Event on the topic of finances and college admissions, we have made the recording available for you and for those in your network who may benefit. This is valuable information for anyone who has kids or grandkids in high school with plans to attend college.

One of the most important takeaways from the session is that the FAFSA is not just about financial aid. Many wealthier households can still benefit from scholarships that require the FAFSA to be completed.

We encourage you to share this recording with your family members and friends. In addition, please review the Top 10 Tips discussed in the recording below.

Watch the Recording Here. (Enter your information on the registration page to gain immediate access.)

Top Things You Should Know About the College Process

• Not every college gives academic scholarships for great grades.
• The most scholarship dollars available, by far, are from the colleges themselves, not private scholarships.
• Some colleges will subtract the dollar amount of the private scholarships you've won from the financial aid they award you.
• Income is weighted far more heavily than assets in the financial aid formula.
• Qualified retirement assets and the value of your primary residence are exempt from the FAFSA.
• Grandparent contributions to college no longer affect your ability to qualify for need-based aid.
• Colleges in other states are not always more expensive than many in-state colleges.
• Test-optional means different things to different colleges.
• Just like other major purchases, you can negotiate with some colleges.
• Most NCAA college athletic scholarships are not full rides.

Please reach out to our Kensington team if you have any questions or additional needs at this time.

The content of this presentation is for informational and educational purposes only.  CRN-5460895-021023

Kensington Virtual Event Recap

Social Security and Medicare can be very confusing topics—yet they are both critical to helping you plan for your future.

Our Kensington team held a virtual event in collaboration with The Resource Group, an alliance of top-tier professionals within the Osaic Wealth, Inc. organization in which we are lifetime members, in early October on this important topic.

Mary Beth Franklin*, one of the nation’s leading experts on Social Security and Medicare, was our guest speaker. Ms. Franklin is a highly acclaimed speaker, journalist, and contributing editor to Investment News.

Here are the Top Ten Tips on Social Security and Medicare Ms. Franklin provided our attendees.

1. Your Age Matters
   The amount of your monthly Social Security benefit is determined by your average lifetime earnings and the age when you first claim benefits. Filing for Social Security before your full retirement age (FRA) will reduce your benefits for the rest of your life.
2. Work Can Affect Your Benefits
   If you claim Social Security before your FRA, which ranges from 66 to 67, and you continue to work, your earnings could reduce or temporarily eliminate your benefits if you earn more than $19,560 in 2022.
3. Earnings restrictions disappear at full retirement age

Once you reach FRA, you can earn as much as you like without reducing your Social Security benefits. Any benefits lost to excess earnings prior to FRA will be restored in the form of larger monthly benefits going forward.

1. Current Earnings Can Increase Future Benefits
   Social Security benefits are based on your highest 35 years of lifetime earnings. Each year you continue to work, regardless of your age and whether you are already receiving Social Security, could increase your future benefits.
2. No Work History? No Problem for Some Spouses
   Even if you haven’t worked long enough to be eligible for Social Security benefits, you may be eligible for spousal benefits on your mate’s earnings record. A spousal benefit is worth up to 50% of the worker’s FRA benefit amount.
3. Exes Have Rights Too
   If you were married at least 10 years, are divorced and currently single, you may be able to claim spousal benefits on your ex’s earnings record if they are larger than your own retirement benefit.
4. Two Different Benefits: Retirement and Survivor
   If you are entitled to retirement benefits and you are a surviving spouse or surviving ex- spouse, you may be able to claim one type of benefit first and switch to the other later.
5. Social Security Benefits are Taxable
   Up to 85% of your benefits can be taxed at your ordinary income tax rate.
6. Sign up for Medicare at 65
   If you miss your initial enrollment period, you may have to pay delayed enrollment penalties for the rest of your life.
7. Medicare is Not Free
   You’ll pay a monthly premium for Medicare and may be subject to high-income surcharges.

If you’d like to learn more about this topic or get access to the recording of our virtual session, please don’t hesitate to contact our office.

*Mary Beth Franklin is a Contributing Editor at Investment News specializing in Social Security, Medicare and Retirement income. She is not affiliated with Osaic Wealth, Inc. CRN-4974410-092922