1. Only do business with companies you know and trust;
  2. Make sure you fully understand all the terms and conditions of any offer made to you;
  3. Take your time before you make any decision;
  4. Don't provide any financial or other personal information before you establish whether the company is legitimate;
  5. Understand and monitor your investments and ask frequent questions and map out your financial goals before you meet with a financial planner;
  6. Don't judge the credibility of a company or sales person by how 'professional' they or their promotional material or web site seems;
  7. Don't fall for high-pressure sales tactics;
  8. Don't let embarrassment or fear keep you from reporting fraud or abuse to the appropriate authorities; and
  9. Don't ever be afraid to ask questions. In fact, the more questions you ask, the better.

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