Dear Followers,

Memorial Day Weekend – As we remember those that have gone before us in serving our great nation, we also remember those of our spouses and partners who have also gone before us.  My hope for each of us as this day  is set aside for remembrance, that we embrace the love and care we still have for our loved ones and know that they loved us for the rest of their lives.  The memories can bring tears while yet enjoying what we had in our lives with these special people and moments. 

Sending love and hugs,

Carolyn

This Month’s Financial Tip

Cybercrime:  Any illegal activity that involves a computer, digital device (cell phone – I Pad), or network. 

Please reach out to discuss the Scams you may have experienced. ^{[email protected] or 877.328.4037 ×700}

My Experience with a Potential Scam

The example I am using this month involves myself. 

I receive a voicemail (VM) on my cell phone in December.  The caller left this message: 

“This is the Sarasota, FL police station.  You are in contempt of Court for failing to appear as an expert witness in a child abuse trial. Call me back immediately.”  My heart started to pound.  I do not remember receiving anything in the mail about a court appearance. I called back the person from the VM.  He answered immediately.  I explained to him that I did not receive a notice for a court appearance.  He claimed he had all the documents with my signature on it and that I had received it.   

He then began to explain that there is a large fine for being in contempt of court and that the fine can be settled with a Credit Card.  I was in KY for the Christmas holidays and told him that I was not in FL at that time.  He suddenly told me he had to go and get another call. 

When he hung up, I immediately called the Sarasota, FL Police Department. 

They had not called.  They informed me that the Courts call if one has missed a Court date, not the Police Departments if one is a no show for a trial. They asked me if they requested my Credit Card information.  I said “No” but they eluded to the fact that the fine could be charged to my credit card.  The Police told me this scam had been going around for months.  I gave them the phone number that I called.  The police were happy that I called them prior to being scammed. 

Please let me know if you have any concerns about anything that sounds too good to be true or “scary”.  We can be a resource to answer any concerns you may have.  If your accounts are involved, please call your advisor or custodian. 

Reach out to Carolyn if you have questions about Annuities.

Please call me 941-841-6564 or email me at [email protected]

More Information about Cyber crimes and Scams Targeting Seniors

Check out the articles below for more information on protecting yourself from cyber crimes and scams.

Books Worth Reading

I am a big fan of Ethnic foods from many places.  I read cookbooks like novels (no surprise).  I was referred recently to a classic Persian Cookbook. 

Since Iran (known by many as Persia) is so often in the news today, I thought this beautiful cookbook is really a wonderful place to get a sense of art, history, and folklore of a very ancient culture.  The recipes are equally amazing!

 Food for Life by Najmieh Batmanglij  

This Month’s Recipe

Here is a delicious recipe using Rice which is a staple in many Middle Eastern countries and a favorite dessert of mine. 

Rice Pudding

1/2 cup of jasmine rice, soaked for 30 minutes and drained   

2 cups water                                                    

1/4 tsp of salt 

3 cups of milk or almond milk  

1/3 cup sugar or maple syrup 

1/2 cup of half and half or coconut milk  

1/4 cup rose water (optional) 

1 tsp of ground cardamon or cinnamon  

1/2 cup raisins 

Topping: 

1 cup pomegranate arils (in season) 

1/2 cup chopped raw pistachios 

1/2 cup honey or maple syrup 

Favorite fruit jam or preserves 

Directions

1.  For the pudding:  In a medium-sized saucepan combine the rice with 2 cups water and 1/4 tsp salt.  Bring to a boil and reduce the heat to low to medium.  Cover and cook for 20 minutes, until the rice is tender. 

2. Add the milk and half-and-half, sugar and bring to a boil.  Reduce the heat to low, cover and cook for 55 minutes, stirring occasionally.  Add rose water and cardamon, and cook over low heat for 15-20 minutes longer, or until the mixture has thickened to a pudding consistency. 

3. For the topping:  Remove the pudding from heat, spoon into individual bowls and chill.  Top with a drizzle of honey or maple syrup, pistachios, and arils if in season.  Some choose to top it with a fruit preserve of your choice. 

4. The easier version is to cook everything in a slow cooker. Mix pudding ingredients and cook on low for 3-4 hours or on high for 2 hours. 

5.  The pudding will keep 4 days in the refrigerator. 

HYPOTHETICAL EXAMPLE DISCLOSURE

The client scenario presented above is hypothetical and intended for illustrative purposes only. It does not represent an actual client, and any resemblance to a real person or situation is coincidental. The assumptions used (contribution amounts, employer match, and product selection) are simplified for educational purposes and do not reflect all variables that may apply to your individual situation. Hypothetical illustrations have inherent limitations. They do not account for taxes, fees, market fluctuations, product-specific restrictions, or other factors that could materially affect outcomes. Past results are not indicative of future performance. This example should not be construed as a recommendation or guarantee of any specific financial result. Please consult with a qualified financial professional before making any investment decisions.

TESTIMONIALS & ENDORSEMENTS DISCLOSURE

Any testimonials or endorsements featured in Accurate Advisory Group's marketing materials are provided by current clients of Accurate Advisory Group, Inc. and/or Accurate Wealth Management LLC. Clients were not compensated, directly or indirectly, for providing their testimonial or endorsement. Testimonials reflect the individual experiences of those clients and may not be representative of the experience of all clients. Testimonials are not a guarantee of future performance or success. Accurate Advisory Group and its affiliates have a material conflict of interest in presenting client testimonials, as positive testimonials may encourage prospective clients to engage the firm's services. Clients providing testimonials may have a pre-existing personal or professional relationship with firm personnel.

ANNUITY RISK DISCLOSURE

Any reference to lifetime income, guaranteed payments, or other financial benefits associated with annuity products is subject to the claims-paying ability of the issuing insurance company. Annuities are insurance products and are not insured by the FDIC or any federal government agency. Annuity products vary significantly by issuer and contract terms. Surrender charges, fees, and withdrawal restrictions may apply. Tax-deferred growth does not imply tax-free withdrawal; distributions are generally subject to ordinary income tax and, if taken before age 59½, may be subject to a 10% IRS early withdrawal penalty. Fixed annuities carry inflation risk, as fixed payments may lose purchasing power over time. The discussion of annuities in this newsletter is for educational purposes only and does not constitute a recommendation to purchase any specific product. Individual suitability depends on your financial situation, goals, time horizon, and risk tolerance. Please consult with a qualified financial and tax professional before making any annuity-related decisions.

Important Disclosures

This material is for informational purposes only and is not intended as tax or legal advice. Accurate Advisory Group, LLC does not provide tax preparation or legal services. Individuals should consult with a qualified tax professional regarding their specific situation before making any tax-related decisions.

Examples provided are hypothetical and for illustrative purposes only. They do not reflect actual client experiences or guarantee future outcomes. Tax rules and IRS penalty rates are subject to change and may vary based on individual circumstances.