Investor Education & Fraud Prevention

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IPT and Kiplinger's Washington Editors have developed and individualized a set of four retirement action guides for Alabama as part of the When I'm 65 program ( to help people ages 25-70+ and at various life stages prepare for a financially secure retirement. The free action guides are part of the When I'm 65 community engagement program.

"Starting to Save for Retirement" is for adults ages 15-40 who are just starting their careers and/or who are approaching their prime earning years.  They either have not started to save or are just now starting to save for their retirement. "Ramp Up Savings for Your Retirement" is for adults ages 40-55 at the midpint of their career who are looking to accelerate their retirement savings, maximize earnings or obtain professional advice while in their prime earning years.
"Getting Closer to Retirement" is for adults ages 55-70 who are approaching retirement age and looking to boost the longevity of their nest egg, determine their guaranteed retirement income and preserve their savings. "Making Your Money Last in Retirement" is for adults ages 70+ who are retired or working and looking to manage their finances and ensure their money goes the distance.

The retirement landscape is changing. When I'm 65 is a guide to help navigate it, no matter what your picture of retirement may be. When I'm 65 offers free videos and toolkits for every age group from high school students to senior citizens.

by Editors of Kiplinger's Personal Finance Magazine

These brochures are provided courtesy of the Investor Protection Trust
(Copyrights: Brochures may be used for educational or noncommercial purposes only.)

Most documents found on this page will require a .pdf viewer. A link to download Adobe Reader has been provided at the bottom of the page.


 Sound Investment Decisions
 When Your Broker Calls - Take NOTES!
 The Investor Bill of Rights
 Tips for Working with Financial Professionals
 Ten Tips to Avoid Investment Fraud
 Red Flag Phrases for Investment Fraud
 Seniors Take Control and Protect Yourself
 Seniors Beware of Free Lunch Seminars
 Affinity Fraud:  Beware of Swindlers Who Claim Loyalty to Your Group
 How to Spot a Con Artist
 Tips for Safer Social Networking on the Internet
 Understanding High Risk Investments: Bitcoins and Dinars

FINANCIAL LITERACY (FL): The Alabama Securities Commission (ASC) actively promotes financial literacy and investor education by providing the following publication to teachers in a hard copy upon request. This publication may be downloaded from the internet by anyone. It may also be copied, printed and used for non-commercial educational purposes:

The Basics of Saving and Investing:  Investor Education 2020

The North American Securities Administrators Association (NASAA) launched a new website in December 2015 designed to provide senior-focused resources to investors, caregivers, industry and policymakers. The website is available at Qualified ASC staff members are available to present these free curriculum opportunities to groups of teachers or educators in public or private schools. Upon request, ASC promotes Financial Literacy and Investor Education through presentations and other printed materials.