A few of the conversations we walk alongside our members through — calmly, and before they're needed.
WHY WE'RE SHARING THIS
The moments that change a life — a sale, a move, an inheritance, the loss of someone we love — are the same moments that quietly draw the most attention from people who would take advantage. None of what follows is meant to alarm. It's meant to be sat with, unhurried, alongside the people you trust.
- The redirected wire
Someone quietly reads the email thread between you, your advisor, and your attorney — and then, at the right moment, sends new wire instructions that look exactly like the ones you were expecting. Once a wire leaves, it rarely comes back.
A QUIET STEP
Before any wire, pick up the phone and call us — or the title company — at a number you looked up yourself. Not one from an email. - What we share in public
The travel, the new home, the family milestones — what we share online is, often, the same picture someone uses to build a story about our household. It's the quiet raw
material behind almost every other line on this page.
A QUIET STEP
Sit with your spouse and your adult children and walk through the privacy settings on each account. Treat anything about travel, property, or family routines as public. - The urgent call about family
A voice on the phone says a grandchild or adult child has been hurt, or arrested, and needs money right now. The details sound right because they were gathered from places we already share them. The urgency is the whole point.
A QUIET STEP
Agree on a family word — one only the family knows — that anyone claiming a crisis must say before you act. Share it in person, never in writing. - A closing or a transition
In the final hours of a home sale, a business sale, or any closing, instructions can be intercepted and replaced. The biggest moments of a life — the ones already full of feeling — are the moments these attempts arrive.
A QUIET STEP
Before sending or receiving any funds, call the title company or attorney at a number you found yourself. And call us. We'd rather walk through it together than learn about it after. - If something happened to you
If the person who carries the financial details in a household is suddenly unable to, the family often discovers — at the worst possible time — that they cannot reach the accounts, the email, or the records they need.
A QUIET STEP
Name one trusted person who could step in. A simple letter held by your attorney, a household password manager, and a conversation with us is a quiet, generous place to start. - Your phone number, taken
With enough details gathered online, someone can persuade a mobile carrier to move your number to a new device. From there, the codes protecting your bank, brokerage, and email start arriving to them instead of you.
A QUIET STEP
Call your carrier and ask for a port freeze, or a PIN required before any account change. Verizon, AT&T, and T-Mobile all offer this. It's a ten-minute conversation worth having today.
A NOTE FROM MIRUS
If something feels off — an unexpected request, a call that pushes for urgency, a message that doesn't quite sound like the person sending it — pause, and call us. We'd rather sit with you for five quiet minutes that turn out to be nothing than walk alongside you through something we might have stopped together.