Alloy Silverstein Financial Services

06/24/2026

What would happen to your loved ones if you were gone? Make financial preparations today.

Variable Universal Life is permanent insurance in which the policyholder directs how premiums are invested.

06/23/2026

Financial scams may be far more widespread than many people realize.

A recent analysis estimates that Americans lose at least $119 billion annually to scams, a figure significantly higher than official reports suggest. Researchers say the gap exists because many victims never report the crime.

Data from the FBI shows $16.6 billion in reported scam losses in 2024, but studies suggest that only a small portion of cases are actually reported.

Investment-related schemes appear to be the most costly category. These often involve long-running online relationships or messages that eventually encourage victims to send money to fraudulent opportunities.

As technology evolves, scams are becoming increasingly sophisticated, making awareness and caution even more important when responding to unexpected messages, financial offers, or requests for personal information.


Source:

The estimate builds on numbers from the FBI, which are widely believed to capture only a small fraction of the money lost to scams.

06/22/2026

How confident are you in the strength of your passwords? These days, one’s passwords are almost as important as the keys to your house. Check out these handy, current tips on crafting a secure password.

Have fun and learn how to craft the perfect password with the help of this highly engaging infographic.

06/19/2026

Finding the proper insurance for your condo means knowing what is covered by the association’s insurance.

Important items to consider when purchasing condo insurance.

06/18/2026

Building wealth is an incredible achievement—but making it last for future generations takes more than accumulation. It requires foresight, discipline, and intentional planning.

The right habits can help protect your wealth, keep it aligned with your family’s values, and ensure it serves a meaningful purpose for years to come.

06/17/2026

Extended-care insurance is one of the most complex types of insurance you may consider. Learn more.

Here’s a list of 8 questions to ask that may help you better understand the costs and benefits of extended-care insurance.

06/16/2026

Let's examine some important considerations for the + community when creating their financial and strategy.

This is for informational purposes only and is not a replacement for real-life advice. Consult your tax, legal, and accounting professionals before modifying your estate or tax strategy. A legal professional may be able to provide more insight if you have questions about what estate documents are appropriate for your situation.

Sources
ml.com, June 23, 2025
lgbtqbar.org, June 23, 2025

06/15/2026

The Fed meets Tuesday and Wednesday, and while everyone’s expecting no change, there are still a couple things to keep an eye on—like the new dot plot and what’s next under the new Chair. CIO Gene Goldman reminds us that a Fed hold may not be exciting, but consistency counts. See more in .

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

06/15/2026

Children with special needs may need ongoing help after their parents are gone.

06/15/2026

Preserving wealth is about more than protecting dollars. It’s about creating habits that allow your resources to endure and serve a purpose. Let’s schedule a meeting to review these habits and put a plan in place that secures your legacy..