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There is a growing threat to your retirement savings, and you probably are not aware of it. Thieves increasingly are targeting individual 401(k) accounts by impersonating the account owners so the crooks can steal thousands — or even hundreds of thousands — of dollars. Heide Bartnett of Darrien, Illinois, lost $245,000 when a fraudster used the “forgot password” option on her 401(k) account to log…

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