Identity Theft Prevention Tips to Implement Now

With so much of our personal information floating around online, it’s important to take proactive steps to protect yourself.

1. Use a Paid VPN (Virtual Private Network)
   When you’re on public Wi-Fi (airports, hotels, coffee shops), a VPN protects your data by encrypting it from your device to the internet. Paid services like ProtonVPN or NordVPN are recommended by the experts.

2. Use a Password Manager
   Strong, unique passwords are essential. A manager, such as 1Password, make it easy to store and generate them securely. Built-in tools like Chrome’s manager are okay, but standalone apps are more secure and easier to use across devices.

3. Enable Two-Step Verification
   Turn this on for your most sensitive accounts (email, banking, cloud storage). It adds a second layer of security. In addition to your password, you’ll need a code sent via text or authenticator app.

4. Freeze Your Credit
   This is one of the most effective ways to prevent fraud. Freezing your credit with the major bureaus is free and can be lifted when needed.

5. Set Up Financial Account Alerts
   Most banks and credit card companies let you enable text or email alerts for purchases. These notifications help you catch fraudulent activity immediately.

Make yourself a hard enough target that the bad guys move onto someone else. Help your loved ones ensure they are following the same steps.

Linda Rogers, CFP®, EA, MSBA is the owner and founder of Planning Within Reach, LLC (PWR). Originally from New Jersey, Linda services clients throughout Virginia Beach, San Diego county and nationwide. She leads the design of PWR's investment portfolios which utilize broad, low-cost investments that integrate environmentally, socially, and governance (ESG) factors.

Planning Within Reach, LLC (PWR) is a fee-only and fiduciary wealth management firm offering one-time comprehensive financial planning, ongoing impact-focused investment management and tax preparation services in Virginia Beach, San Diego and nationwide. PWR is a woman-owned firm that specializes in busy professionals and impact investors. Planning Within Reach, LLC and their advisors do not receive commissions and do not hold any insurance licenses or brokerage relationships.