In addition to the many companies, organizations and governmental units that are attempting to help people who are planning or are into their retirement, we should not be surprised to learn that there are many scams being tried. Here’s an example of one that was tried on one of our clients recently. The client received a letter from an organization in Palm Desert, California, basically a form letter with some names and numbers filled in: you took out a subscription to some magazine, like Llama Owners Monthly, and you didn’t pay for it. If you don’t send to this address $59.38 (a number too small to fight over?) immediately, we will contact the IRS and the credit-reporting agencies. Somehow, these people got the last four digits of the client’s credit card number. What would most people do? Perhaps pay up to get them to go away. You certainly can’t afford to hire a lawyer to handle such a dispute. I advised my clients, who don’t even own a llama, to throw it away, which they did. Expect to see more of this, as scammers gain access to personal information of individuals in our increasingly unsafe financial reporting system.