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Every year, American seniors lose over $28 billion to fraud, according to AARP. But here's the shocking part: Only a fraction ever gets reported.

If you've received a letter, email, or call claiming you've been "pre-qualified" or "pre-approved" for a 401(k) rollover or annuity upgrade, beware. These scams are getting smarter. They sound official and even personalized. But the offers aren't random; they're based on real details about you.

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5 STEPS TO PROTECT YOUR FINANCES FRO

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