www.kitces.com
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Submitted URL: https://kitces.lt.acemlna.com/Prod/link-tracker?redirectUrl=aHR0cHMlM0ElMkYlMkZ3d3cua2l0Y2VzLmNvbSUyRmJsb2clMkZvdXRzb3VyY2luZy...
Effective URL: https://www.kitces.com/blog/outsourcing-hiring-iar-compliance-regulations-security-w2-employee-1099-contractor-sec-stat...
Submission: On November 09 via manual from US — Scanned from DE
Effective URL: https://www.kitces.com/blog/outsourcing-hiring-iar-compliance-regulations-security-w2-employee-1099-contractor-sec-stat...
Submission: On November 09 via manual from US — Scanned from DE
Form analysis 7 forms found in the DOM
GET https://www.kitces.com/
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<div class="search-basic">
<input type="text" class="search-form-input" name="s" id="s" placeholder="Search" value="">
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<button class="advanced-toggle">Advanced</button>
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<label for="s">Search Term: </label>
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<label for="advanced-author">Author: </label>
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<optgroup label="Kitces Team">
<option value="3906"> Jeff Levine </option>
<option value="2067"> Derek Tharp </option>
<option value="4450"> Meghaan Lurtz </option>
<option value="13"> Michael Kitces </option>
<option value="3193"> Ben Henry-Moreland </option>
<option value="7517"> Adam Van Deusen </option>
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<option value="2067"> Derek Tharp </option>
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<option value="1418"> Meg Bartelt </option>
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<option value="5459"> Derek Coburn </option>
<option value="5282"> Ben Coombs </option>
<option value="7007"> Matt Cosgriff </option>
<option value="6300"> Lee Delahoussaye </option>
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<option value="64"> Client Trust & Communication </option>
<option value="170"> Compensation </option>
<option value="72"> Conferences </option>
<option value="66"> Debt & Liabilities </option>
<option value="69"> Estate Planning </option>
<option value="184"> Ethics </option>
<option value="87"> Financial Advisor Success Podcast </option>
<option value="172"> Financial Psychology </option>
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<option value="75"> Industry News </option>
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<option value="108"> Kitces & Carl Podcast </option>
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</form>GET https://www.kitces.com/
<form method="get" class="search-form" id="advanced-searchform" action="https://www.kitces.com/">
<div class="search-basic">
<input type="text" class="search-form-input" name="s" id="advanced-s" placeholder="Search this site..." value="" disabled="disabled">
<button type="submit" class="search-form-submit" name="submit"></button>
<button class="advanced-toggle">Advanced</button>
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<div class="search-advanced">
<div class="search-advanced__row">
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<label for="s">Search Term: </label>
<input type="text" class="search-form-term" name="s" id="s" placeholder="Search" value="" disabled="">
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<label for="advanced-author">Author: </label>
<select id="advanced-author" class="advanced-search-form-input" name="by-author">
<option value="">Select an Author</option>
<optgroup label="Kitces Team">
<option value="3906"> Jeff Levine </option>
<option value="2067"> Derek Tharp </option>
<option value="4450"> Meghaan Lurtz </option>
<option value="13"> Michael Kitces </option>
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<option value="5346"> Liliya Jones </option>
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.cp_style_38653 .cp-popup .cpro-form .cp-form-input-field::-moz-placeholder {
color: #666;
}
.cp_style_38653 .cp-popup .cpro-form .pika-lendar table tbody button:hover {
background: #666;
}
.cp_style_38653 .cp-popup .cpro-form .pika-lendar table tbody .is-selected .pika-button {
background: #666;
box-shadow: inset 0 1px 3px #666;
}
.cp_style_38653 #form_field-38653 {}
@media (max-width: 767px) {
.cp_style_38653 .cp-popup .cpro-form .cp-form-input-field {
font-family: inherit;
font-style: inherit;
font-weight: inherit;
text-transform: none;
font-size: 10px;
letter-spacing: 0;
text-align: left;
color: #666;
background-color: #fff;
border-style: solid;
border-width: 1px 1px 1px 1px;
border-radius: 1px 1px 1px 1px;
border-color: #bbb;
active-border-color: #666;
padding: 0px 10px 0px 10px;
}
.cp_style_38653 #form_field-38653 .cp-target:hover {}
.cp_style_38653 #form_field-38653 placeholder {
color: #666;
}
.cp_style_38653 .cp-popup .cpro-form .cp-form-input-field input[type='radio'],
.cp_style_38653 .cp-popup .cpro-form .cp-form-input-field input[type='checkbox'] {
color: #666;
background-color: #fff;
}
.cp_style_38653 .cp-popup .cpro-form .cp-form-input-field:focus {
border-color: #666;
}
.cp_style_38653 .cp-popup .cpro-form .cp-form-input-field::-webkit-input-placeholder {
color: #666;
}
.cp_style_38653 .cp-popup .cpro-form .cp-form-input-field::-moz-placeholder {
color: #666;
}
.cp_style_38653 .cp-popup .cpro-form .pika-lendar table tbody button:hover {
background: #666;
}
.cp_style_38653 .cp-popup .cpro-form .pika-lendar table tbody .is-selected .pika-button {
background: #666;
box-shadow: inset 0 1px 3px #666;
}
.cp_style_38653 #form_field-38653 {}
}
.cp_style_38653 #cp_email-2-38653 .cp-target {
width: 198px;
height: 30px;
}
.cp_style_38653 #cp_email-2-38653 .cp-target:hover {}
.cp_style_38653 #cp_email-2-38653 {
left: 667px;
top: 10.484375px;
z-index: 2;
}
@media (max-width: 767px) {
.cp_style_38653 #cp_email-2-38653 .cp-target {
width: 215px;
height: 40px;
}
.cp_style_38653 #cp_email-2-38653 .cp-target:hover {}
.cp_style_38653 #cp_email-2-38653 {
left: 8.9756879960937px;
top: 64.496536254883px;
z-index: 2;
}
}
.cp_style_38653 #cp_button-2-38653 .cp-target {
font-family: inherit;
font-style: Inherit;
font-weight: Inherit;
font-size: 14px;
letter-spacing: 0px;
text-align: center;
color: #fff;
background: #80a340;
width: 91px;
height: 30px;
padding: 0px 15px 0px 15px;
}
.cp_style_38653 #cp_button-2-38653 .cp-target:hover {
color: #fff;
background: #1475ba;
}
.cp_style_38653 #cp_button-2-38653 .cp-target {
border-style: none;
}
.cp_style_38653 #cp_button-2-38653 .cp-target~.cp-field-shadow {
border-style: none;
}
.cp_style_38653 #cp_button-2-38653 .cp-target {
border-color: #757575;
}
.cp_style_38653 #cp_button-2-38653 .cp-target~.cp-field-shadow {
border-color: #757575;
}
.cp_style_38653 #cp_button-2-38653 .cp-target {
border-width: 1px 1px 1px 1px;
}
.cp_style_38653 #cp_button-2-38653 .cp-target~.cp-field-shadow {
border-width: 1px 1px 1px 1px;
}
.cp_style_38653 #cp_button-2-38653 .cp-target {
border-radius: 0px 0px 0px 0px;
}
.cp_style_38653 #cp_button-2-38653 .cp-target~.cp-field-shadow {
border-radius: 0px 0px 0px 0px;
}
.cp_style_38653 #cp_button-2-38653 .cp-target>.cp-close-link {
border-radius: 0px 0px 0px 0px;
}
.cp_style_38653 #cp_button-2-38653 .cp-target>.cp-close-image {
border-radius: 0px 0px 0px 0px;
}
.cp_style_38653 #cp_button-2-38653 .cp-target {}
.cp_style_38653 #cp_button-2-38653 .cp-target~.cp-field-shadow {}
.cp_style_38653 #cp_button-2-38653 .cp-rotate-wrap {
transform: rotate(0deg);
}
.cp_style_38653 #cp_button-2-38653 .cp-target:hover {}
.cp_style_38653 #cp_button-2-38653 .cp-target:hover~.cp-field-shadow {}
.cp_style_38653 #cp_button-2-38653 {
left: 874px;
top: 10.484375px;
z-index: 4;
}
@media (max-width: 767px) {
.cp_style_38653 #cp_button-2-38653 .cp-target {
font-family: inherit;
font-style: Inherit;
font-weight: Inherit;
font-size: 10px;
letter-spacing: 0px;
text-align: center;
color: #fff;
background: #80a340;
width: 76px;
height: 40px;
padding: 0px 15px 0px 15px;
}
.cp_style_38653 #cp_button-2-38653 .cp-target:hover {
color: #fff;
background: #1475ba;
}
.cp_style_38653 #cp_button-2-38653 .cp-target {
border-style: none;
}
.cp_style_38653 #cp_button-2-38653 .cp-target~.cp-field-shadow {
border-style: none;
}
.cp_style_38653 #cp_button-2-38653 .cp-target {
border-color: #757575;
}
.cp_style_38653 #cp_button-2-38653 .cp-target~.cp-field-shadow {
border-color: #757575;
}
.cp_style_38653 #cp_button-2-38653 .cp-target {
border-width: 1px 1px 1px 1px;
}
.cp_style_38653 #cp_button-2-38653 .cp-target~.cp-field-shadow {
border-width: 1px 1px 1px 1px;
}
.cp_style_38653 #cp_button-2-38653 .cp-target {
border-radius: 0px 0px 0px 0px;
}
.cp_style_38653 #cp_button-2-38653 .cp-target~.cp-field-shadow {
border-radius: 0px 0px 0px 0px;
}
.cp_style_38653 #cp_button-2-38653 .cp-target>.cp-close-link {
border-radius: 0px 0px 0px 0px;
}
.cp_style_38653 #cp_button-2-38653 .cp-target>.cp-close-image {
border-radius: 0px 0px 0px 0px;
}
.cp_style_38653 #cp_button-2-38653 .cp-target {}
.cp_style_38653 #cp_button-2-38653 .cp-target~.cp-field-shadow {}
.cp_style_38653 #cp_button-2-38653 .cp-rotate-wrap {
transform: rotate(0deg);
}
.cp_style_38653 #cp_button-2-38653 .cp-target:hover {}
.cp_style_38653 #cp_button-2-38653 .cp-target:hover~.cp-field-shadow {}
.cp_style_38653 #cp_button-2-38653 {
left: 236.979167px;
top: 64.496536254883px;
z-index: 4;
}
}
.cp_style_38653 #cp_paragraph-2-38653 .cp-target {
font-family: inherit;
font-style: Inherit;
font-weight: Inherit;
font-size: 12px;
line-height: 1.6;
letter-spacing: 0px;
text-align: center;
color: #ffffff;
width: 657.995px;
height: 43.9974px;
}
.cp_style_38653 #cp_paragraph-2-38653 .cp-target:hover {}
.cp_style_38653 #cp_paragraph-2-38653 .cp-rotate-wrap {
transform: rotate(0deg);
}
.cp_style_38653 #cp_paragraph-2-38653 {
left: 4px;
top: 6px;
z-index: 5;
}
@media (max-width: 767px) {
.cp_style_38653 #cp_paragraph-2-38653 .cp-target {
font-family: inherit;
font-style: Inherit;
font-weight: Inherit;
font-size: 10px;
line-height: 1.6;
letter-spacing: 0px;
text-align: center;
color: #ffffff;
width: 316px;
height: 73px;
}
.cp_style_38653 #cp_paragraph-2-38653 .cp-target:hover {}
.cp_style_38653 #cp_paragraph-2-38653 .cp-rotate-wrap {
transform: rotate(0deg);
}
.cp_style_38653 #cp_paragraph-2-38653 {
left: 1.9965620195312px;
top: 9.9826431274414px;
z-index: 5;
}
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target {
text-align: center;
width: 60px;
height: 25px;
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target:hover {}
.cp_style_38653 #cp_close_text-2-38653 .cp-target .cp-close-link {}
.cp_style_38653 #cp_close_text-2-38653 .cp-target .cp-close-link {
font-family: inherit;
font-style: Inherit;
font-weight: Inherit;
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target .cp-close-link {
font-size: 16px;
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target .cp-close-link {
line-height: 1.5;
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target .cp-close-link {
letter-spacing: 0px;
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target .cp-close-link {
color: #000;
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target {
border-style: none;
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target~.cp-field-shadow {
border-style: none;
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target {
border-color: #757575;
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target~.cp-field-shadow {
border-color: #757575;
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target {
border-width: 1px 1px 1px 1px;
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target~.cp-field-shadow {
border-width: 1px 1px 1px 1px;
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target {
border-radius: 0px 0px 0px 0px;
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target~.cp-field-shadow {
border-radius: 0px 0px 0px 0px;
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target>.cp-close-link {
border-radius: 0px 0px 0px 0px;
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target>.cp-close-image {
border-radius: 0px 0px 0px 0px;
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target {}
.cp_style_38653 #cp_close_text-2-38653 .cp-target~.cp-field-shadow {}
.cp_style_38653 #cp_close_text-2-38653 .cp-rotate-wrap {
transform: rotate(0deg);
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target:hover {}
.cp_style_38653 #cp_close_text-2-38653 .cp-target:hover~.cp-field-shadow {}
.cp_style_38653 #cp_close_text-2-38653 {
left: 953.96875px;
top: 12.984375px;
z-index: 6;
}
@media (max-width: 767px) {
.cp_style_38653 #cp_close_text-2-38653 .cp-target {
text-align: center;
width: 27px;
height: 24px;
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target:hover {}
.cp_style_38653 #cp_close_text-2-38653 .cp-target .cp-close-link {}
.cp_style_38653 #cp_close_text-2-38653 .cp-target .cp-close-link {
font-family: inherit;
font-style: Inherit;
font-weight: Inherit;
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target .cp-close-link {
font-size: 20px;
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target .cp-close-link {
line-height: 1.5;
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target .cp-close-link {
letter-spacing: 0px;
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target .cp-close-link {
color: #000;
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target {
border-style: none;
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target~.cp-field-shadow {
border-style: none;
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target {
border-color: #757575;
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target~.cp-field-shadow {
border-color: #757575;
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target {
border-width: 1px 1px 1px 1px;
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target~.cp-field-shadow {
border-width: 1px 1px 1px 1px;
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target {
border-radius: 0px 0px 0px 0px;
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target~.cp-field-shadow {
border-radius: 0px 0px 0px 0px;
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target>.cp-close-link {
border-radius: 0px 0px 0px 0px;
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target>.cp-close-image {
border-radius: 0px 0px 0px 0px;
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target {}
.cp_style_38653 #cp_close_text-2-38653 .cp-target~.cp-field-shadow {}
.cp_style_38653 #cp_close_text-2-38653 .cp-rotate-wrap {
transform: rotate(0deg);
}
.cp_style_38653 #cp_close_text-2-38653 .cp-target:hover {}
.cp_style_38653 #cp_close_text-2-38653 .cp-target:hover~.cp-field-shadow {}
.cp_style_38653 #cp_close_text-2-38653 {
left: 323px;
top: 3.5px;
z-index: 6;
}
}
@media (max-width: 767px) {
.cp_style_38653 .cp-invisible-on-mobile {
display: none !important;
}
}
</style>
<div class="cp-popup-content cpro-active-step cp-info_bar cp-top cp-panel-1" data-entry-animation="cp-fadeIn" data-overlay-click="1" data-title="One Page Business Plan | BAR" data-module-type="info_bar" data-step="1" data-width="1000"
data-mobile-width="320" data-height="50" data-mobile-height="113" data-mobile-break-pt="767" data-popup-position="top" data-mobile-responsive="yes">
<div class="cpro-form-container">
<div id="cp_paragraph-2-38653" class="cp-field-html-data cp-none cp_has_editor cp-animated" data-type="cp_paragraph" data-field-title="Paragraph">
<div class="cp-rotate-wrap">
<div class="cp-target cp-field-element cp-paragraph tinymce" name="{{name}}">
<p>Join 47,178 advicers who get our latest research as it’s released, and receive our popular <br><strong>“One-Page Financial Advicer Business Plan Template”!</strong></p>
</div>
</div>
</div>
<div id="cp_close_text-2-38653" class="cp-field-html-data cp-none cp-animated" data-type="cp_close_text" data-field-title="Close Text" data-action="close" data-redirect="{{data-redirect}}">
<div class="cp-rotate-wrap">
<div class="cp-target cp-field-element cp-close-field {{extra-class}}" data-original-title="{{data-tip-title}}" name="cp_close_text-2">
<span class="cp-close-link ">X</span>
</div>
<div class="cp-field-shadow"></div>
</div>
</div>
<div id="cp_email-2-38653" class="cp-field-html-data cp-none cp-animated" data-type="cp_email">
<input type="email" class="cp-target cp-field-element cp-form-input-field cp-form-field cp-email cp-form-field cp-email-field" aria-label="Email Address" placeholder="Email Address" name="param[email]" value="" required="required"
data-email-error-msg="{{email-error}}" autocomplete="on">
</div>
<div id="cp_button-2-38653" class="cp-field-html-data cpro_count_conversion cp-none cp-animated" data-type="cp_button" data-action="submit_n_goto_url" data-step="1"
data-redirect="http://kitces.com/almost-finished/?form=smartbar_lifetime_one_page_business_plan" data-redirect-target="_self">
<div class="cp-rotate-wrap"><button type="submit" class=" cp-target cp-field-element cp-button cp-button-field" data-success-message="Thank You for Subscribing!" data-get-param="false">SIGN UP</button>
<div class="cp-btn-tooltip"></div>
</div>
</div>
</div>
</div><!-- .cp-popup-content -->
<input type="hidden" name="param[date]" value="November 9, 2021">
<input type="text" class="cpro-hp-field" name="cpro_hp_field_38653" value="">
<input type="hidden" name="action" value="cp_v2_add_subscriber">
<input type="hidden" name="style_id" value="38653">
</form>POST
<form class="cpro-form" method="post">
<input type="hidden" class="panel-settings" data-style_id="42027" data-section="configure"
value="{"enable_custom_cookies":"","enable_cookies_class":"","enable_adblock_detection":"","enable_visitors":"","visitor_type":"first-time","referrer_type":"hide-from","0":{"target_rule_display_on":["specifics","basic-global"],"target_rule_display_on_specifics_0":["post-26691","post-9695"]},"hide_custom_cookies":"1","hide_cookies_class":"kitcesreadersignedup","show_for_logged_in":"1","hide_on_device":"","cookies_enabled":"1","conversion_cookie":"90","closed_cookie":"30","cookies_enabled_submit":"1","enable_cookies_class_submit":"kitcesreadersignedup","conversion_cookie_submit":"365","cookies_enabled_closed":"","enable_cookies_class_closed":"","closed_cookie_new":"30"}"><input
type="hidden" class="panel-rulesets" data-style_id="42027" data-section="configure"
value="[{"name":"Ruleset 1","autoload_on_duration":"0","load_on_duration":1,"modal_exit_intent":false,"autoload_on_scroll":false,"load_after_scroll":75,"inactivity":false,"inactivity_link":"","enable_after_post":false,"enable_custom_scroll":false,"enable_scroll_class":"","on_scroll_txt":"","show_cta_info":"","enable_custom_cookies":false,"enable_cookies_class":"","on_cookie_txt":"","hide_cta_link":"","enable_adblock_detection":false,"all_visitor_info":"","enable_visitors":"","visitor_type":"first-time","enable_referrer":"","referrer_type":"hide-from","display_to":"","hide_from":"","enable_scheduler":false,"enable_scheduler_txt":"","start_date":"","end_date":"","custom_cls_text_head":"","enable_custom_class":"1","copy_link_code_button":"Copy Link Code","copy_link_cls_code_button":"","custom_class":"","custom_cls_text":""}]">
<style id="cp_popup_style_42027" type="text/css">
.cp_style_42027 .cp-popup-content {
font-family: Verdana;
font-style: Normal;
font-weight: Normal;
}
.cp_style_42027 .cp-popup-content {
border-style: solid;
border-color: #003156;
border-width: 7px 7px 7px 7px;
border-radius: 3px 3px 3px 3px;
mobile-breakpoint: 767;
}
.cp_style_42027 #panel-1-42027 .cp-target:hover {}
.cp_style_42027 #panel-1-42027 {}
.cp_style_42027 .cpro-overlay {
background: rgba(0, 0, 0, 0.8);
}
.cp_style_42027 .cp-popup-wrapper .cpro-overlay {
height: 500px;
}
.cp_style_42027 .cp-popup-content {
width: 675px;
height: 500px;
background-color: #fff;
}
@media (max-width: 767px) {
.cp_style_42027 .cp-popup-content {
border-style: solid;
border-color: #003156;
border-width: 7px 7px 7px 7px;
border-radius: 3px 3px 3px 3px;
mobile-breakpoint: 767;
}
.cp_style_42027 #panel-1-42027 .cp-target:hover {}
.cp_style_42027 #panel-1-42027 {}
.cp_style_42027 .cpro-overlay {
background: rgba(0, 0, 0, 0.8);
}
.cp_style_42027 .cp-popup-wrapper .cpro-overlay {
height: 480px;
}
.cp_style_42027 .cp-popup-content {
width: 320px;
height: 480px;
background-color: #fff;
}
}
.cp_style_42027 .cp-popup .cpro-form .cp-form-input-field {
font-family: inherit;
font-style: inherit;
font-weight: inherit;
text-transform: none;
font-size: 13px;
letter-spacing: 0;
text-align: left;
color: #666;
background-color: #fff;
border-style: solid;
border-width: 1px 1px 1px 1px;
border-radius: 1px 1px 1px 1px;
border-color: #bbb;
active-border-color: #666;
padding: 0px 10px 0px 10px;
}
.cp_style_42027 #form_field-42027 .cp-target:hover {}
.cp_style_42027 #form_field-42027 placeholder {
color: #666;
}
.cp_style_42027 .cp-popup .cpro-form .cp-form-input-field input[type='radio'],
.cp_style_42027 .cp-popup .cpro-form .cp-form-input-field input[type='checkbox'] {
color: #666;
background-color: #fff;
}
.cp_style_42027 .cp-popup .cpro-form .cp-form-input-field:focus {
border-color: #666;
}
.cp_style_42027 .cp-popup .cpro-form .cp-form-input-field::-webkit-input-placeholder {
color: #666;
}
.cp_style_42027 .cp-popup .cpro-form .cp-form-input-field::-moz-placeholder {
color: #666;
}
.cp_style_42027 .cp-popup .cpro-form .pika-lendar table tbody button:hover {
background: #666;
}
.cp_style_42027 .cp-popup .cpro-form .pika-lendar table tbody .is-selected .pika-button {
background: #666;
box-shadow: inset 0 1px 3px #666;
}
.cp_style_42027 #form_field-42027 {}
@media (max-width: 767px) {
.cp_style_42027 .cp-popup .cpro-form .cp-form-input-field {
font-family: inherit;
font-style: inherit;
font-weight: inherit;
text-transform: none;
font-size: 13px;
letter-spacing: 0;
text-align: left;
color: #666;
background-color: #fff;
border-style: solid;
border-width: 1px 1px 1px 1px;
border-radius: 1px 1px 1px 1px;
border-color: #bbb;
active-border-color: #666;
padding: 0px 10px 0px 10px;
}
.cp_style_42027 #form_field-42027 .cp-target:hover {}
.cp_style_42027 #form_field-42027 placeholder {
color: #666;
}
.cp_style_42027 .cp-popup .cpro-form .cp-form-input-field input[type='radio'],
.cp_style_42027 .cp-popup .cpro-form .cp-form-input-field input[type='checkbox'] {
color: #666;
background-color: #fff;
}
.cp_style_42027 .cp-popup .cpro-form .cp-form-input-field:focus {
border-color: #666;
}
.cp_style_42027 .cp-popup .cpro-form .cp-form-input-field::-webkit-input-placeholder {
color: #666;
}
.cp_style_42027 .cp-popup .cpro-form .cp-form-input-field::-moz-placeholder {
color: #666;
}
.cp_style_42027 .cp-popup .cpro-form .pika-lendar table tbody button:hover {
background: #666;
}
.cp_style_42027 .cp-popup .cpro-form .pika-lendar table tbody .is-selected .pika-button {
background: #666;
box-shadow: inset 0 1px 3px #666;
}
.cp_style_42027 #form_field-42027 {}
}
.cp_style_42027 #cp_heading-2-42027 .cp-target {
font-family: inherit;
font-style: Inherit;
font-weight: Inherit;
font-size: 26px;
line-height: 1;
letter-spacing: 0px;
text-align: center;
color: #003780;
width: 264px;
height: 46px;
}
.cp_style_42027 #cp_heading-2-42027 .cp-target:hover {}
.cp_style_42027 #cp_heading-2-42027 .cp-rotate-wrap {
transform: rotate(0deg);
}
.cp_style_42027 #cp_heading-2-42027 {
left: -49.23828375px;
top: 35.80077875px;
z-index: 2;
}
@media (max-width: 767px) {
.cp_style_42027 #cp_heading-2-42027 .cp-target {
font-family: inherit;
font-style: Inherit;
font-weight: Inherit;
font-size: 26px;
line-height: 1;
letter-spacing: 0px;
text-align: center;
color: #003780;
width: 264px;
height: 46px;
}
.cp_style_42027 #cp_heading-2-42027 .cp-target:hover {}
.cp_style_42027 #cp_heading-2-42027 .cp-rotate-wrap {
transform: rotate(0deg);
}
.cp_style_42027 #cp_heading-2-42027 {
left: -49.23828375px;
top: 35.80077875px;
z-index: 2;
}
}
.cp_style_42027 #cp_heading-3-42027 .cp-target {
font-family: inherit;
font-style: Inherit;
font-weight: Inherit;
font-size: 26px;
line-height: 1;
letter-spacing: 0px;
text-align: left;
color: #003780;
width: 624px;
height: 69px;
}
.cp_style_42027 #cp_heading-3-42027 .cp-target:hover {}
.cp_style_42027 #cp_heading-3-42027 .cp-rotate-wrap {
transform: rotate(0deg);
}
.cp_style_42027 #cp_heading-3-42027 {
left: 20px;
top: 80px;
z-index: 3;
}
@media (max-width: 767px) {
.cp_style_42027 #cp_heading-3-42027 .cp-target {
font-family: inherit;
font-style: Inherit;
font-weight: Inherit;
font-size: 26px;
line-height: 1;
letter-spacing: 0px;
text-align: left;
color: #003780;
width: 624px;
height: 69px;
}
.cp_style_42027 #cp_heading-3-42027 .cp-target:hover {}
.cp_style_42027 #cp_heading-3-42027 .cp-rotate-wrap {
transform: rotate(0deg);
}
.cp_style_42027 #cp_heading-3-42027 {
left: -20.2343775px;
top: 55.82031px;
z-index: 3;
}
}
.cp_style_42027 #cp_heading-4-42027 .cp-target {
font-family: inherit;
font-style: Inherit;
font-weight: Inherit;
font-size: 26px;
line-height: 1;
letter-spacing: 0px;
text-align: left;
color: #003780;
width: 678px;
height: 69px;
}
.cp_style_42027 #cp_heading-4-42027 .cp-target:hover {}
.cp_style_42027 #cp_heading-4-42027 .cp-rotate-wrap {
transform: rotate(0deg);
}
.cp_style_42027 #cp_heading-4-42027 {
left: 20.66406px;
top: 148.78906px;
z-index: 4;
}
@media (max-width: 767px) {
.cp_style_42027 #cp_heading-4-42027 .cp-target {
font-family: inherit;
font-style: Inherit;
font-weight: Inherit;
font-size: 26px;
line-height: 1;
letter-spacing: 0px;
text-align: left;
color: #003780;
width: 678px;
height: 69px;
}
.cp_style_42027 #cp_heading-4-42027 .cp-target:hover {}
.cp_style_42027 #cp_heading-4-42027 .cp-rotate-wrap {
transform: rotate(0deg);
}
.cp_style_42027 #cp_heading-4-42027 {
left: 49.70702875px;
top: 100.82031px;
z-index: 4;
}
}
.cp_style_42027 #cp_paragraph-4-42027 .cp-target {
font-family: inherit;
font-style: Inherit;
font-weight: Inherit;
font-size: 18px;
line-height: 1.5;
letter-spacing: 0px;
text-align: left;
color: #000000;
width: 461px;
height: 102px;
}
.cp_style_42027 #cp_paragraph-4-42027 .cp-target:hover {}
.cp_style_42027 #cp_paragraph-4-42027 .cp-rotate-wrap {
transform: rotate(0deg);
}
.cp_style_42027 #cp_paragraph-4-42027 {
left: 20.6249975px;
top: 216.77734125px;
z-index: 5;
}
@media (max-width: 767px) {
.cp_style_42027 #cp_paragraph-4-42027 .cp-target {
font-family: inherit;
font-style: Inherit;
font-weight: Inherit;
font-size: 18px;
line-height: 1.5;
letter-spacing: 0px;
text-align: left;
color: #000000;
width: 461px;
height: 102px;
}
.cp_style_42027 #cp_paragraph-4-42027 .cp-target:hover {}
.cp_style_42027 #cp_paragraph-4-42027 .cp-rotate-wrap {
transform: rotate(0deg);
}
.cp_style_42027 #cp_paragraph-4-42027 {
left: 20.6249975px;
top: 216.77734125px;
z-index: 5;
}
}
.cp_style_42027 #cp_paragraph-5-42027 .cp-target {
font-family: inherit;
font-style: Inherit;
font-weight: Inherit;
font-size: 18px;
line-height: 1.5;
letter-spacing: 0px;
text-align: left;
color: #000000;
width: 461px;
height: 110px;
}
.cp_style_42027 #cp_paragraph-5-42027 .cp-target:hover {}
.cp_style_42027 #cp_paragraph-5-42027 .cp-rotate-wrap {
transform: rotate(0deg);
}
.cp_style_42027 #cp_paragraph-5-42027 {
left: 20.66406px;
top: 318.76952875px;
z-index: 6;
}
@media (max-width: 767px) {
.cp_style_42027 #cp_paragraph-5-42027 .cp-target {
font-family: inherit;
font-style: Inherit;
font-weight: Inherit;
font-size: 18px;
line-height: 1.5;
letter-spacing: 0px;
text-align: left;
color: #000000;
width: 461px;
height: 110px;
}
.cp_style_42027 #cp_paragraph-5-42027 .cp-target:hover {}
.cp_style_42027 #cp_paragraph-5-42027 .cp-rotate-wrap {
transform: rotate(0deg);
}
.cp_style_42027 #cp_paragraph-5-42027 {
left: 49.6874975px;
top: 245.97656px;
z-index: 6;
}
}
.cp_style_42027 #cp_shape-5-42027 .cp-target {
fill: #005491;
stroke-width: 2;
width: 665px;
height: 79px;
}
.cp_style_42027 #cp_shape-5-42027 .cp-target:hover {}
.cp_style_42027 #cp_shape-5-42027 .cp-target {}
.cp_style_42027 #cp_shape-5-42027 .cp-target~.cp-field-shadow {}
.cp_style_42027 #cp_shape-5-42027 {}
.cp_style_42027 #cp_shape-5-42027 .cp-rotate-wrap {
transform: rotate(0deg);
}
.cp_style_42027 #cp_shape-5-42027 {}
.cp_style_42027 #cp_shape-5-42027 {
left: -4px;
top: 407px;
z-index: 7;
}
@media (max-width: 767px) {
.cp_style_42027 #cp_shape-5-42027 .cp-target {
fill: #005491;
stroke-width: 2;
width: 665px;
height: 79px;
}
.cp_style_42027 #cp_shape-5-42027 .cp-target:hover {}
.cp_style_42027 #cp_shape-5-42027 .cp-target {}
.cp_style_42027 #cp_shape-5-42027 .cp-target~.cp-field-shadow {}
.cp_style_42027 #cp_shape-5-42027 {}
.cp_style_42027 #cp_shape-5-42027 .cp-rotate-wrap {
transform: rotate(0deg);
}
.cp_style_42027 #cp_shape-5-42027 {}
.cp_style_42027 #cp_shape-5-42027 {
left: -4px;
top: 407px;
z-index: 7;
}
}
.cp_style_42027 #cp_email-5-42027 .cp-target {
width: 325px;
height: 40px;
}
.cp_style_42027 #cp_email-5-42027 .cp-target:hover {}
.cp_style_42027 #cp_email-5-42027 {
left: 20px;
top: 431px;
z-index: 8;
}
@media (max-width: 767px) {
.cp_style_42027 #cp_email-5-42027 .cp-target {
width: 325px;
height: 40px;
}
.cp_style_42027 #cp_email-5-42027 .cp-target:hover {}
.cp_style_42027 #cp_email-5-42027 {
left: 20px;
top: 431px;
z-index: 8;
}
}
.cp_style_42027 #cp_gradient_button-5-42027 .cp-target {
font-family: inherit;
font-style: Inherit;
font-weight: Inherit;
font-size: 14px;
letter-spacing: 0px;
text-align: center;
color: #fff;
background: #3498db;
background: -webkit-radial-gradient(at bottom right, #3498db 0%, #6fb0de 100%);
background: -moz-radial-gradient(at bottom right, #3498db 0%, #6fb0de 100%);
background: -o-radial-gradient(at bottom right, #3498db 0%, #6fb0de 100%);
background: radial-gradient(at bottom right, #3498db 0%, #6fb0de 100%);
width: 285px;
height: 40px;
padding: 0px 15px 0px 15px;
}
.cp_style_42027 #cp_gradient_button-5-42027 .cp-target:hover {
color: #fff;
}
.cp_style_42027 #cp_gradient_button-5-42027 .cp-target {
border-style: none;
}
.cp_style_42027 #cp_gradient_button-5-42027 .cp-target~.cp-field-shadow {
border-style: none;
}
.cp_style_42027 #cp_gradient_button-5-42027 .cp-target {
border-color: #757575;
}
.cp_style_42027 #cp_gradient_button-5-42027 .cp-target~.cp-field-shadow {
border-color: #757575;
}
.cp_style_42027 #cp_gradient_button-5-42027 .cp-target {
border-width: 1px 1px 1px 1px;
}
.cp_style_42027 #cp_gradient_button-5-42027 .cp-target~.cp-field-shadow {
border-width: 1px 1px 1px 1px;
}
.cp_style_42027 #cp_gradient_button-5-42027 .cp-target {
border-radius: 0px 0px 0px 0px;
}
.cp_style_42027 #cp_gradient_button-5-42027 .cp-target~.cp-field-shadow {
border-radius: 0px 0px 0px 0px;
}
.cp_style_42027 #cp_gradient_button-5-42027 .cp-target>.cp-close-link {
border-radius: 0px 0px 0px 0px;
}
.cp_style_42027 #cp_gradient_button-5-42027 .cp-target>.cp-close-image {
border-radius: 0px 0px 0px 0px;
}
.cp_style_42027 #cp_gradient_button-5-42027 .cp-target {}
.cp_style_42027 #cp_gradient_button-5-42027 .cp-target~.cp-field-shadow {}
.cp_style_42027 #cp_gradient_button-5-42027 .cp-rotate-wrap {
transform: rotate(0deg);
}
.cp_style_42027 #cp_gradient_button-5-42027 .cp-target:hover {}
.cp_style_42027 #cp_gradient_button-5-42027 .cp-target:hover~.cp-field-shadow {}
.cp_style_42027 #cp_gradient_button-5-42027 {
left: 359.648435px;
top: 431.91406px;
z-index: 10;
}
@media (max-width: 767px) {
.cp_style_42027 #cp_gradient_button-5-42027 .cp-target {
font-family: inherit;
font-style: Inherit;
font-weight: Inherit;
font-size: 14px;
letter-spacing: 0px;
text-align: center;
color: #fff;
background: #3498db;
background: -webkit-radial-gradient(at bottom right, #3498db 0%, #6fb0de 100%);
background: -moz-radial-gradient(at bottom right, #3498db 0%, #6fb0de 100%);
background: -o-radial-gradient(at bottom right, #3498db 0%, #6fb0de 100%);
background: radial-gradient(at bottom right, #3498db 0%, #6fb0de 100%);
width: 285px;
height: 40px;
padding: 0px 15px 0px 15px;
}
.cp_style_42027 #cp_gradient_button-5-42027 .cp-target:hover {
color: #fff;
}
.cp_style_42027 #cp_gradient_button-5-42027 .cp-target {
border-style: none;
}
.cp_style_42027 #cp_gradient_button-5-42027 .cp-target~.cp-field-shadow {
border-style: none;
}
.cp_style_42027 #cp_gradient_button-5-42027 .cp-target {
border-color: #757575;
}
.cp_style_42027 #cp_gradient_button-5-42027 .cp-target~.cp-field-shadow {
border-color: #757575;
}
.cp_style_42027 #cp_gradient_button-5-42027 .cp-target {
border-width: 1px 1px 1px 1px;
}
.cp_style_42027 #cp_gradient_button-5-42027 .cp-target~.cp-field-shadow {
border-width: 1px 1px 1px 1px;
}
.cp_style_42027 #cp_gradient_button-5-42027 .cp-target {
border-radius: 0px 0px 0px 0px;
}
.cp_style_42027 #cp_gradient_button-5-42027 .cp-target~.cp-field-shadow {
border-radius: 0px 0px 0px 0px;
}
.cp_style_42027 #cp_gradient_button-5-42027 .cp-target>.cp-close-link {
border-radius: 0px 0px 0px 0px;
}
.cp_style_42027 #cp_gradient_button-5-42027 .cp-target>.cp-close-image {
border-radius: 0px 0px 0px 0px;
}
.cp_style_42027 #cp_gradient_button-5-42027 .cp-target {}
.cp_style_42027 #cp_gradient_button-5-42027 .cp-target~.cp-field-shadow {}
.cp_style_42027 #cp_gradient_button-5-42027 .cp-rotate-wrap {
transform: rotate(0deg);
}
.cp_style_42027 #cp_gradient_button-5-42027 .cp-target:hover {}
.cp_style_42027 #cp_gradient_button-5-42027 .cp-target:hover~.cp-field-shadow {}
.cp_style_42027 #cp_gradient_button-5-42027 {
left: 359.648435px;
top: 431.91406px;
z-index: 10;
}
}
.cp_style_42027 #cp_image-5-42027 .cp-target {
width: 166px;
height: 163px;
}
.cp_style_42027 #cp_image-5-42027 .cp-target:hover {}
.cp_style_42027 #cp_image-5-42027 .cp-target {
border-style: none;
}
.cp_style_42027 #cp_image-5-42027 .cp-target~.cp-field-shadow {
border-style: none;
}
.cp_style_42027 #cp_image-5-42027 .cp-target {
border-color: #757575;
}
.cp_style_42027 #cp_image-5-42027 .cp-target~.cp-field-shadow {
border-color: #757575;
}
.cp_style_42027 #cp_image-5-42027 .cp-target {
border-width: 1px 1px 1px 1px;
}
.cp_style_42027 #cp_image-5-42027 .cp-target~.cp-field-shadow {
border-width: 1px 1px 1px 1px;
}
.cp_style_42027 #cp_image-5-42027 .cp-target {
border-radius: 0px 0px 0px 0px;
}
.cp_style_42027 #cp_image-5-42027 .cp-target~.cp-field-shadow {
border-radius: 0px 0px 0px 0px;
}
.cp_style_42027 #cp_image-5-42027 .cp-target>.cp-close-link {
border-radius: 0px 0px 0px 0px;
}
.cp_style_42027 #cp_image-5-42027 .cp-target>.cp-close-image {
border-radius: 0px 0px 0px 0px;
}
.cp_style_42027 #cp_image-5-42027 .cp-target {}
.cp_style_42027 #cp_image-5-42027 .cp-target~.cp-field-shadow {}
.cp_style_42027 #cp_image-5-42027 .cp-rotate-wrap {
transform: rotate(0deg);
}
.cp_style_42027 #cp_image-5-42027 .cp-target:hover {}
.cp_style_42027 #cp_image-5-42027 .cp-target:hover~.cp-field-shadow {}
.cp_style_42027 #cp_image-5-42027 {
left: 486.23046625px;
top: 225.95702875px;
z-index: 11;
}
@media (max-width: 767px) {
.cp_style_42027 #cp_image-5-42027 .cp-target {
width: 166px;
height: 163px;
}
.cp_style_42027 #cp_image-5-42027 .cp-target:hover {}
.cp_style_42027 #cp_image-5-42027 .cp-target {
border-style: none;
}
.cp_style_42027 #cp_image-5-42027 .cp-target~.cp-field-shadow {
border-style: none;
}
.cp_style_42027 #cp_image-5-42027 .cp-target {
border-color: #757575;
}
.cp_style_42027 #cp_image-5-42027 .cp-target~.cp-field-shadow {
border-color: #757575;
}
.cp_style_42027 #cp_image-5-42027 .cp-target {
border-width: 1px 1px 1px 1px;
}
.cp_style_42027 #cp_image-5-42027 .cp-target~.cp-field-shadow {
border-width: 1px 1px 1px 1px;
}
.cp_style_42027 #cp_image-5-42027 .cp-target {
border-radius: 0px 0px 0px 0px;
}
.cp_style_42027 #cp_image-5-42027 .cp-target~.cp-field-shadow {
border-radius: 0px 0px 0px 0px;
}
.cp_style_42027 #cp_image-5-42027 .cp-target>.cp-close-link {
border-radius: 0px 0px 0px 0px;
}
.cp_style_42027 #cp_image-5-42027 .cp-target>.cp-close-image {
border-radius: 0px 0px 0px 0px;
}
.cp_style_42027 #cp_image-5-42027 .cp-target {}
.cp_style_42027 #cp_image-5-42027 .cp-target~.cp-field-shadow {}
.cp_style_42027 #cp_image-5-42027 .cp-rotate-wrap {
transform: rotate(0deg);
}
.cp_style_42027 #cp_image-5-42027 .cp-target:hover {}
.cp_style_42027 #cp_image-5-42027 .cp-target:hover~.cp-field-shadow {}
.cp_style_42027 #cp_image-5-42027 {
left: 486.23046625px;
top: 225.95702875px;
z-index: 11;
}
}
.cp_style_42027 #cp_close_image-2-42027 .cp-target {
width: 32px;
height: 32px;
}
.cp_style_42027 #cp_close_image-2-42027 .cp-target:hover {}
.cp_style_42027 #cp_close_image-2-42027 .cp-target {
border-style: none;
}
.cp_style_42027 #cp_close_image-2-42027 .cp-target~.cp-field-shadow {
border-style: none;
}
.cp_style_42027 #cp_close_image-2-42027 .cp-target {
border-color: #757575;
}
.cp_style_42027 #cp_close_image-2-42027 .cp-target~.cp-field-shadow {
border-color: #757575;
}
.cp_style_42027 #cp_close_image-2-42027 .cp-target {
border-width: 1px 1px 1px 1px;
}
.cp_style_42027 #cp_close_image-2-42027 .cp-target~.cp-field-shadow {
border-width: 1px 1px 1px 1px;
}
.cp_style_42027 #cp_close_image-2-42027 .cp-target {
border-radius: 0px 0px 0px 0px;
}
.cp_style_42027 #cp_close_image-2-42027 .cp-target~.cp-field-shadow {
border-radius: 0px 0px 0px 0px;
}
.cp_style_42027 #cp_close_image-2-42027 .cp-target>.cp-close-link {
border-radius: 0px 0px 0px 0px;
}
.cp_style_42027 #cp_close_image-2-42027 .cp-target>.cp-close-image {
border-radius: 0px 0px 0px 0px;
}
.cp_style_42027 #cp_close_image-2-42027 .cp-target {}
.cp_style_42027 #cp_close_image-2-42027 .cp-target~.cp-field-shadow {}
.cp_style_42027 #cp_close_image-2-42027 .cp-rotate-wrap {
transform: rotate(0deg);
}
.cp_style_42027 #cp_close_image-2-42027 .cp-target:hover {}
.cp_style_42027 #cp_close_image-2-42027 .cp-target:hover~.cp-field-shadow {}
.cp_style_42027 #cp_close_image-2-42027 {
left: 618.22265375px;
top: 12.87109125px;
z-index: 12;
}
@media (max-width: 767px) {
.cp_style_42027 #cp_close_image-2-42027 .cp-target {
width: 32px;
height: 32px;
}
.cp_style_42027 #cp_close_image-2-42027 .cp-target:hover {}
.cp_style_42027 #cp_close_image-2-42027 .cp-target {
border-style: none;
}
.cp_style_42027 #cp_close_image-2-42027 .cp-target~.cp-field-shadow {
border-style: none;
}
.cp_style_42027 #cp_close_image-2-42027 .cp-target {
border-color: #757575;
}
.cp_style_42027 #cp_close_image-2-42027 .cp-target~.cp-field-shadow {
border-color: #757575;
}
.cp_style_42027 #cp_close_image-2-42027 .cp-target {
border-width: 1px 1px 1px 1px;
}
.cp_style_42027 #cp_close_image-2-42027 .cp-target~.cp-field-shadow {
border-width: 1px 1px 1px 1px;
}
.cp_style_42027 #cp_close_image-2-42027 .cp-target {
border-radius: 0px 0px 0px 0px;
}
.cp_style_42027 #cp_close_image-2-42027 .cp-target~.cp-field-shadow {
border-radius: 0px 0px 0px 0px;
}
.cp_style_42027 #cp_close_image-2-42027 .cp-target>.cp-close-link {
border-radius: 0px 0px 0px 0px;
}
.cp_style_42027 #cp_close_image-2-42027 .cp-target>.cp-close-image {
border-radius: 0px 0px 0px 0px;
}
.cp_style_42027 #cp_close_image-2-42027 .cp-target {}
.cp_style_42027 #cp_close_image-2-42027 .cp-target~.cp-field-shadow {}
.cp_style_42027 #cp_close_image-2-42027 .cp-rotate-wrap {
transform: rotate(0deg);
}
.cp_style_42027 #cp_close_image-2-42027 .cp-target:hover {}
.cp_style_42027 #cp_close_image-2-42027 .cp-target:hover~.cp-field-shadow {}
.cp_style_42027 #cp_close_image-2-42027 {
left: 618.22265375px;
top: 12.87109125px;
z-index: 12;
}
}
@media (max-width: 767px) {
.cp_style_42027 .cp-invisible-on-mobile {
display: none !important;
}
}
</style>
<div class="cp-popup-content cpro-active-step cp-modal_popup cp-panel-1" data-entry-animation="cp-fadeIn" data-overlay-click="1" data-title="Home Sidebar Lightbox | Floating" data-module-type="modal_popup" data-step="1" data-width="675"
data-mobile-width="320" data-height="500" data-mobile-height="480" data-mobile-break-pt="767" data-mobile-responsive="yes" style="top: 350px; left: 462.5px;">
<div class="cpro-form-container">
<div id="cp_heading-2-42027" class="cp-field-html-data cp-none cp_has_editor" data-type="cp_heading">
<div class="cp-rotate-wrap">
<div class="cp-target cp-field-element cp-heading tinymce" name="cp_heading-2">
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<div class="cp-popup-content cpro-active-step cp-slide_in bottom-right cp-panel-1" data-entry-animation="cp-fadeIn" data-overlay-click="1" data-title="One Page Business Plan | SLIDE IN" data-module-type="slide_in" data-step="1"
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<p><strong>JOIN 47,178 FELLOW FINANCIAL ADVICERS </strong></p>
<p><strong>RECEIVING OUR LATEST RESEARCH AS IT IS RELEASED!</strong></p>
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<p><strong>Sign up now</strong> & receive <strong>a free copy of <em>The Kitces Report:</em></strong> <em>One-Page Financial Advisor Business Plan Template</em></p>
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Elsasser Sarah Fallaw Justin Fitzpatrick Barry D. Flagg Charles Fox Ryan
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VIRTUAL STAFF CYBERSECURITY REQUIREMENTS: COMPLIANCE ISSUES WHEN ADDING NEW
EMPLOYEES OR CONTRACTORS
November 8, 2021 07:06 am 0 Comments CATEGORY: Practice Management
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Table of Contents Navigation
Executive SummaryIAR RequirementsIAR Status Of SEC-Registered FirmsIAR Status Of
State-Registered FirmsDetermining IAR Status For FirmsSupervised And Access
PersonsSupervised Persons ComplianceAccess Persons Additional ReportingW2
Employees Vs 1099 ContractorsInformation Security and Client PrivacyHow Reg S-P
Safeguards Clients' NPIExceptions To Reg S-P RequirementsNew Hire Best
PracticesDue Diligence On The Person Or FirmEnter Into A Written
AgreementOngoing Supervision And TrainingTermination Of A New HireDue Diligence
For New Hires
EXECUTIVE SUMMARY
The owners of solo advisory firms often find themselves splitting their time
between client-facing duties and the administrative work of running their
business; yet, as the firm’s business increases, advisor-owners will inevitably
reach the limits of their capacity. This can lead many advisors to hire support
staff to handle more of the administrative work to free up their time so that
they can focus on what they truly love – giving advice and managing client
relationships. When making the decision to hire a candidate, though, it is not
only necessary to put careful thought into how that person will help the
advisor, but also to consider how the new hire will affect the firm from a
compliance standpoint. Because, depending on the tasks that the new hire is
expected to perform, they may be subject to different types of regulatory
oversight based on whether the work they do actually constitutes providing
advice to clients (even if offered indirectly, through a back-office role)
and/or involves them having access to sensitive client information.
Though it is ultimately up to the advisory firm owner to decide what types of
job duties to outsource to new personnel, and whether to hire an employee or
independent contractor, it is necessary to know what these duties will be before
going into the process of vetting and hiring a candidate. Because adding
personnel to assist with developing or delivering investment advice to clients
could significantly add to the firm’s oversight and reporting responsibilities
(possibly undermining the firm owner’s goal of having more time to spend
advising clients)!
For instance, if a new hire will be delivering investment advice to clients,
that person may also need to register as an Investment Adviser Representative
(IAR), requiring them to pass a qualifying examination such as the Series 65
exam or to hold a professional designation such as the CFP, which can supersede
the requirement to pass a qualifying exam. Furthermore, a new hire who provides
advice will likely be considered a “supervised person” by the SEC or state
regulatory authorities and would be subject to the firm’s compliance and ethics
policies (requiring the firm owner to meet certain oversight and reporting
requirements for supervised persons under SEC or state regulations). Supervised
persons with access to clients’ securities trading activity or the investment
recommendations made to clients can also be considered “access persons” subject
to additional personal securities account reporting requirements (which also
must be reviewed by the firm’s owner or Chief Compliance Officer). Even if the
role is one that does not entail the delivery of advice or access to securities
trading information or investment recommendations, such as a client service
associate or administrative assistant, the firm will still need to implement
safeguards to control the employee or independent contractor’s access to
clients’ Nonpublic Personal Information (NPI).
Ultimately, whether the new role is meant to be filled by an employee or
independent contractor, the best practices are to assess the level of advice
delivery and access to client information the role would entail, perform due
diligence on candidates and understand what actions would need to be taken upon
hiring (such as registering them as an IAR) to remain in compliance, plan for
training and supervision on an ongoing basis, and have a plan of action if the
arrangement is eventually terminated. And, as with all compliance tasks, it’s
best to put all procedures in writing and document any actions along the way. As
while the ultimate goal of hiring support staff is often to allow the owner more
time for revenue-generating and advisory activities, being able to trust that
their new hire will remain in compliance with laws and regulations will allow
the firm owner to focus on their own advisory duties.
AUTHOR: CHRIS STANLEY
Guest Contributor
Chris Stanley is the Founding Principal of Beach Street Legal, a law practice
and compliance consultancy whose sole purpose is to help entrepreneurial
investment advisers and financial planners succeed. He strives to provide
simple, practical counsel to those in the fiduciary community, and to keep that
community ahead of the regulatory curve. When he’s not pouring over the latest
SEC release or trying to meet the minimum word count for a Nerd’s Eye View guest
post, you’ll find Chris enjoying the outdoors away from civilization. To learn
more about Chris or Beach Street Legal, head over to beachstreetlegal.com, shoot
him an email at chris@beachstreetlegal.com, or follow @BeachStreetEsq on
Twitter.
With any luck (and lots of hard work), the founder of a financial advisory firm
will inevitably be confronted with the following realization: I need to hire
someone.
As a firm grows and matures, and the founder spends comparatively more and more
high-value time actually rendering advice and managing client relationships,
less time is available for the millions of other things that are still required
for the long-term success of the business. And – as disappointing as this is –
time is still a finite, zero-sum game.
After every last minute of time has been squeezed from the fruit of one's own
efficiency and with firm revenues that can hopefully support expansion, there's
really only one solution: recruiting help to fill more seats to get stuff done.
The addition of another person to an advisory firm is no small decision, and
much consideration should justifiably be dedicated to ensuring such a person
will be the right fit from a personality, capability, and growth perspective. In
addition to the soft skills that eventually need to be considered, though, there
are also legal, compliance, and information security requirements appurtenant to
any new hire decision that are important for growing firms to understand before
they even consider onboarding new people.
When making the decision to hire a candidate, it is not only necessary to put
thought into how that person will help the advisor, but also to consider how the
new hire will affect the firm from a compliance standpoint.
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Whether retaining a full-time advisor, a part-time paraplanner, or a virtual
administrative assistant, the same legal, compliance, and information security
considerations will at least need to be considered in light of the person's job
function, and their access to nonpublic information about the advisory firm's
clients.
INVESTMENT ADVISER REPRESENTATIVES (IAR) QUALIFICATION AND
LICENSING/REGISTRATION REQUIREMENTS
The specific services that a new hire is to perform will have a direct bearing
on whether the individual will need to meet specific requirements to become an
Investment Adviser Representative (IAR) of the advisory firm. Notably, though,
whether a new hire is deemed an IAR first depends on whether the advisory firm
is registered with the SEC or with their state.
IAR status is important to consider in the hiring process for both SEC- and
state-registered firms because states generally impose qualification, licensing,
and registration requirements on IARs. The "qualification" aspect refers to the
passage of the Series 65 exam, or the Series 7 plus Series 66 exams. Obtaining a
qualifying professional designation (e.g., the CFP marks, as well as the ChFC,
CFA, CIC, and the CPA/PFS designations, which are listed in Section 8 of Form
U4) can also supersede the need for an exam.
The "licensing and registration" aspect refers to the filing of a Uniform
Application For Securities Industry Registration Or Transfer, known as Form U4,
to associate the person as an IAR of the advisory firm.
IAR STATUS OF SEC-REGISTERED INVESTMENT ADVISER FIRMS
Firms that are registered with the SEC trying to determine if new team members
must be qualified, licensed, and registered as an IAR should first look to the
Federal definition of "Investment Adviser Representative" found in SEC Rule
275.203A-3, which provides the following definition:
(a)
1. Investment adviser representative. "Investment adviser representative" of an
investment adviser means a supervised person of the investment adviser:
1. Who has more than five clients who are natural persons (other than
excepted persons described in paragraph (a)(3)(i) of this section); and
2. More than ten percent of whose clients are natural persons (other than
excepted persons described in paragraph (a)(3)(i) of this section).
2. Notwithstanding paragraph (a)(1) of this section, a supervised person is not
an investment adviser representative if the supervised person:
1. Does not on a regular basis solicit, meet with, or otherwise communicate
with clients of the investment adviser; or
2. Provides only impersonal investment advice.
This is a somewhat quirky definition in that it affords a de minimis level of
client interaction before IAR status is triggered, and it carves out supervised
persons that don't perform client-facing duties on a regular basis.
Even more interesting is that the definition does not detail what it means for a
person to "have" a client, or what types of services must be provided before IAR
status is triggered. One can argue that the specific exclusion of "impersonal
investment advice" should be read to mean that if personal investment advice is
rendered to a client, such a client would count for purposes of assessing
potential IAR status.
Suffice it to say, however, that mere communication or meetings between a
non-advisory administrative assistant or operational staff and a client would
not cause the assistant or staff to be deemed to "have" a client for purposes of
the definition. It seems logically implicit that "having" a client would only be
ascribed to those rendering investment advice (such as primary and associate
advisors).
It should also be noted that the SEC does not actually qualify, license, or
register IARs at all. Thus, even if a person meets the definition of IAR under
the SEC's definition, the SEC itself does not have a statutory mechanism to
qualify, license, or register IARs themselves; it is not the SEC that imposes
the U4 filing requirement or the Series 65 (or Series 7 plus Series 66) exam
requirement. Such IAR qualification, licensing, and registration requirements
are wholly delegated to the states.
So can SEC-registered firms completely ignore state qualification, licensing,
and registration requirements of IARs? In short, no.
While no state can impose its own registration, licensing, or qualification
requirements on supervised persons of an SEC-registered firm that do not meet
the SEC definition of IAR or do not have a place of business in such state (a
Federal preemption borne out of the National Securities Markets Improvement Act
of 1996, commonly referred to as "NSMIA"), a state may license, register, or
qualify any person that meets the SEC's definition of IAR and who has a place of
business located within such state (see Section 203A of the Investment Advisers
Act of 1940, also referred to simply as the "Act").
Said another way, a new hire in an SEC-registered firm who meets the SEC
definition of IAR and who has a place of business in a particular state will
generally be subject to that state's qualification and licensing/registration
rules.
IAR STATUS OF STATE-REGISTERED INVESTMENT ADVISER FIRMS
The requirements for SEC-registered firms, and the SEC definition of IAR, are in
stark contrast to those for state-registered firms, whose definition of IAR is
under a much more clearly articulated net.
When it comes to IARs of state RIAs, the North American Securities
Administrators Association (NASAA) offers a helpful summary of how most states'
define IAR (for context, NASAA represents state and provincial securities
regulators in the United States, Canada, and Mexico primarily by providing
guidance and model rules for the various states to adopt or tweak at their
discretion):
> Most states follow a definition of investment adviser representative similar
> to that in the Uniform Securities Act. An investment adviser representative
> generally is a person who, for compensation (1) makes any recommendations or
> otherwise renders advice regarding securities; (2) manages accounts or
> portfolios of clients; (3) determines which recommendation or advice regarding
> securities should be given; (4) solicits, offers, or negotiates for the sale
> of or sells investment advisory services, or (5) supervises employees who
> perform any of the foregoing.
Any of the enumerated activities, regardless of the number of clients to whom
such activities are directed, would sweep a person under the definition of IAR
for state law purposes.
In contrast to the SEC definition, which identifies an IAR as someone with more
than 5 clients (with more than 10% who are "natural persons"), there is no de
minimis threshold and no exclusion for the irregular performance of such
activities for most states. However, when it comes to states, it's much clearer
as to what constitutes "having" a client that would require becoming an IAR:
advising and managing portfolios, or soliciting clients for those services (or
supervising those who advise or solicit).
Ultimately, state-registered firms should consult their specific state(s)'s
definition of IAR (which typically maps to the broader Uniform Securities Act
definition referenced above) to assess nuances that may need to take into
account for their new hires; unfortunately, this means that multiple states'
definitions may need to be consulted if the firm is registered in multiple
states and/or the new hire will live and/or work in a state that the firm is not
yet registered.
CONSIDERATIONS FOR DETERMINING IAR STATUS FOR BOTH STATE- AND SEC-REGISTERED
FIRMS
From a practical perspective, the following activities of a new hire would
likely trigger IAR status for both state-registered and SEC-registered firms:
* Rendering personalized investment advice to a client;
* Managing client investment accounts, or otherwise making trading decisions;
* Solicitation of new clients for the advisory firm; or
* Supervising other IARs (at least under the state's IAR definition).
In contrast, the following activities of a new hire would likely not trigger IAR
status:
* Performing solely administrative, clerical, or support functions;
* Pre-populating custodial account paperwork;
* Entering client-supplied information into financial planning software for an
IAR's review and delivery to a client;
* Entering trades into an order management system, if such new hire is simply
following the trade instructions developed and approved by an IAR (i.e., the
new hire is simply an order-taker and has no discretion to change any trading
instructions provided); or
* Purely having access to sensitive client information, client investment
holdings, or the investment recommendations delivered by an IAR to a client.
SUPERVISED PERSONS AND ACCESS PERSONS REQUIRE DIFFERENT LEVELS OF COMPLIANCE
OVERSIGHT
Regardless of whether a new hire is an IAR or not (or whether they are a W2
employee or 1099 independent contractor, as discussed below), an advisory firm
should assess whether the new person will be considered a "supervised person"
and/or an "access person", as this status will impact the extent of compliance
oversight and reporting required for the new hire. Additionally, advisory firms
are expected to maintain an ongoing and current list of all supervised persons
and access persons associated with the firm.
The terms "supervised person" and "access person" are specific to SEC-registered
advisory firms, but certain states have adopted similar concepts using
alternative terminology such as "associated person".
SUPERVISED PERSONS ARE SUBJECT TO A FIRM'S FULL SCOPE OF COMPLIANCE AND ETHICS
POLICIES
The Investment Advisers Act itself contains the following definition of
supervised person:
> …any partner, officer, director (or other person occupying a similar status or
> performing similar functions), or employee of an investment adviser, or other
> person who provides investment advice on behalf of the investment adviser and
> is subject to the supervision and control of the investment adviser.
Admittedly, the comma placement within this definition makes it somewhat subject
to interpretation, leaving the universe of "supervised persons" to be broadly
construed.
All partners, officers, directors, or similarly functioning personnel are
clearly supervised persons, as are all persons who provide investment advice on
behalf of the advisory firm. The distinction may not be as clear, though, with
respect to other employees, and specifically non-IAR,
non-partner/officer/director personnel that are classified as independent
contractors.
The Form ADV Glossary offers some insight by shedding light on employees and
when they should be regarded as supervised persons who are subject to the firm's
compliance policies and procedures. Specifically, the glossary includes
independent contractors that perform advisory functions on behalf of the
advisory firm in the definition of "employee".
By extension, this stands to reason that a new hire classified as an independent
contractor who does not perform advisory functions (e.g., is administrative in
nature), and who is not otherwise a partner, director, officer, or similarly
functioning person, is not necessarily a supervised person of the advisory firm.
Firms should be cautious about taking undue advantage of this apparent carve-out
that may suggest when an independent contractor is not a supervised person, as
the implications are not insignificant.
The scope of who is determined to be a supervised person is important primarily
because supervised persons are subject to the full brunt of the advisory firm's
compliance policies and procedures, and most, if not all, sections of the
advisory firm’s code of ethics, as required by SEC Rule 206(4)-7 and SEC Rule
204A-1, respectively.
It is additionally important because one of the conditions for being deemed an
"access person" is that such a person first be deemed a supervised person. In
other words, all access persons are supervised persons, but not all supervised
persons are access persons.
ACCESS PERSONS ARE SUPERVISED PERSONS WITH ADDITIONAL REPORTING REQUIREMENTS
The term "access person" is borne out of the SEC's Investment Adviser Code of
Ethics (Section 275.204A-1), which offers the following definition:
Access person means:
1. Any of your supervised persons:
1. Who has access to nonpublic information regarding any clients' purchase
or sale of securities, or nonpublic information regarding the portfolio
holdings of any reportable fund, or
2. Who is involved in making securities recommendations to clients, or who
has access to such recommendations that are nonpublic.
2. If providing investment advice is your primary business, all of your
directors, officers, and partners are presumed to be access persons.
Any new hire that is determined to be an access person is subject to the
personal securities account-reporting requirements contained in the SEC's Code
of Ethics Rule, which, in turn, means that initial securities holdings reports,
annual securities holdings reports, and quarterly transaction reports must also
be reviewed by the advisory firm's chief compliance officer or other designated
personnel.
The most difficult new hire to classify as an access person is an independent
contractor who does not render investment advice on behalf of the firm, as if
they are not a supervised person, they cannot be an access person either
(whereas all those classified as employees, regardless of job function, along
with all IARs, are clearly included under the supervised person definition to
then determine if they are an access person).
For example, an independent contractor hired as a paraplanning or operational
assistant that would otherwise be deemed an access person, except for the fact
that they don't meet the threshold definition of supervised person, would seem
to pose the biggest misclassification risk from a regulatory perspective.
Advisory firms should closely assess whether a new hire's independent contractor
status is truly justified before carving such a person out as a non-supervised
(and subsequently non-access) person.
A BRIEF WORD ON W2 EMPLOYEES VS 1099 INDEPENDENT CONTRACTORS
There are a few threshold decisions that need to be made at or close to the
outset of the new hire process, not the least of which is whether to retain a
full-time W2 employee or whether to instead retain a 1099 independent
contractor.
The legal and tax implications of this decision are beyond the scope of this
article (particularly since they can vary state-by-state, complicated by the
overlay of Federal rules), but firm owners should, at a minimum, consult the IRS
article "Independent Contractor (Self-Employed) or Employee", and the
hyperlinked additional resources and definitions therein.
In brief, the primary consideration is the extent of control or independence
that a new hire will have in the course of performing services for an advisory
firm. While not the only factor in the W2 employee versus 1099 independent
contractor analysis, control is an important point in the ultimate
classification decision. The IRS offers this guideline about control to
distinguish employees and independent contractors:
> The general rule is that an individual is an independent contractor if the
> payer [e.g., the advisory firm] has the right to control or direct only the
> result of the work and not what will be done and how it will be done.
From a securities law perspective, though, the W2 employee versus 1099
independent contractor determination is not viewed through the same lens. For
example, the IARD's Form ADV Glossary defines the term "employee" to include
independent contractors that perform advisory functions on behalf of the
advisory firm.
This means that advisory personnel (i.e., generally those providing advice,
managing portfolios, or soliciting clients for those services) that are
independent contractors should be included in the Form ADV section that asks
about advisory firms' employees (Part 1A, Items 5A and 5B).
Which, in turn, means independent contractors can also fall under the definition
of "supervised person" and then "access person", potentially subjecting them to
the firm's compliance rules and code of ethics, along with additional reporting
requirements for the firm.
Notably, the November 9, 2020, SEC Risk Alert, "Observations from OCIE's
Examinations of Investment Advisers: Supervision, Compliance and Multiple Branch
Offices" indirectly discourages firms from treating independent contractors
differently from employees from a supervisory perspective, and recommends that
advisers instead adopt and implement written compliance policies and procedures
that apply to all office locations and all supervised persons, "regardless of
whether these individuals were independent contractors or employees of the
adviser."
While Section 1 of Form U4 specifically asks whether the IAR to be associated
with the advisory firm has an independent contractor relationship with the firm,
it's not clear whether there are any specific implications of answering "yes" or
"no" to this question. It may be included primarily for regulatory information
gathering and statistical analysis purposes.
INFORMATION SECURITY AND CLIENT PRIVACY OBLIGATIONS
Once all preliminary new hire classification decisions have been made as
described above, and the advisory firm has identified any supervised persons
subject to the firm's compliance policies and procedures and code of ethics, and
access persons subject to personal securities reporting obligations, the firm
should next evaluate the nature and extent of information security controls it
will utilize to safeguard Nonpublic Personal Information (NPI) about its
clients, and how such controls will be applied to the new hire.
Such controls could involve some of the following examples:
* Assessing if the new hire will solely perform services from within the
advisory firm's office, or whether they will be permitted to work remotely
using a virtual private network or by logging into the advisory firm's
server;
* Identifying the systems and tools the new hire would need to perform their
job functions, and what security controls would be in place and activated;
* Determining which communication mechanisms the new hire will utilize, and
whether/how NPI is to be communicated through such systems (such as email,
phone, internal messaging service, video conferencing technology, etc.); and
* Deciding whether the new hire will be permitted to use their own personal
device(s) and access NPI from such device(s), or whether the advisory firm
will issue its own hardware to the new hire.
Importantly, information security controls should be in place for both
electronic and non-electronic data to protect client NPI. As while many advisory
firms have evolved into a primarily electronic or paperless environment,
cybersecurity controls can be rendered moot if, for example, an advisory firm
leaves sensitive printed documents or mail unsecured in an unlocked office
overnight or on the weekend.
Ultimately, the goal of an information security program is to safeguard all
client NPI that an advisory firm has obtained; information security controls are
simply a means to that end.
HOW REG S-P SAFEGUARDS CLIENTS' NONPUBLIC PERSONAL INFORMATION (NPI)
The components that constitute client NPI are surprisingly convoluted, but at a
high level, Reg S-P posits that NPI includes any of the following:
1. information that a client provides to the advisory firm to obtain a
financial product or service;
2. information about a client as a result of any transaction involving a
financial product or service between the advisory firm and the client; and
3. information the advisory firm otherwise obtains about a client in connection
with providing a financial product or service to that client.
This is an intentionally broad definition, but Reg S-P does present certain
exclusions and carve-outs that are beyond the scope of this article.
The regulatory nexus of an advisory firm's obligation to safeguard client NPI is
Regulation S-P (Reg S-P): Privacy of Consumer Financial Information and
Safeguarding Personal Information. Specifically, Section 248.30(a) of Reg S-P
requires every advisory firm registered with the SEC to:
> ...adopt written policies and procedures that address administrative,
> technical, and physical safeguards for the protection of customer records and
> information. These written policies and procedures must be reasonably designed
> to:
>
> 1. Insure the security and confidentiality of customer records and
> information;
> 2. Protect against any anticipated threats or hazards to the security or
> integrity of customer records and information; and
> 3. Protect against unauthorized access to or use of customer records or
> information that could result in substantial harm or inconvenience to any
> customer.
There is a nuanced definition of who is considered to be a "customer" of an
advisory firm for purposes of the Reg S-P safeguarding requirement, but
generally, customers are considered to be clients to whom the advisory firm
provides one or more financial products or services that, "are to be used
primarily for personal, family, or household purposes" (which is language some
readers may recognize from the recently adopted Form CRS).
The takeaway is that advisory firms should have written policies and procedures
describing how they protect their clients' NPI… and should actually carry out
the tenets of such policies and procedures. This is the case even for solo
advisory firms that have not yet retained their first new hire. Once a new hire
is brought into the fold, the question becomes how the advisory firm can
permissibly share client NPI with the new hire without violating Reg S-P or its
information security policies and procedures.
In this instance, the answer implicitly depends on whether the new hire is
classified as a "nonaffiliated third party". In this context, an "affiliate" is
a company that controls, is controlled by, or is under common control with the
advisory firm (including the employees of those businesses), and any other third
party is a "nonaffiliated third party".
Thus, Reg S-P does not specifically distinguish between W2 employees or 1099
independent contractors, IARs or non-IARs, or even supervised persons or access
persons; instead, the rule is simply that those who are employees of the RIA
itself (or its direct affiliates) fall under the affiliate definition, and
anyone else is a nonaffiliated third party.
NERD NOTE:
In the context of the definition of "affiliate", "control" effectively has the
same meaning ascribed in Form ADV; that is, "the power to exercise a controlling
influence over the management or policies of a company whether through ownership
of securities, by contract, or otherwise".
The distinction of affiliates (and employees of affiliates) versus nonaffiliated
third parties is important because affiliates (and employees of the advisory
firm itself) are already subject to the general fiduciary obligation to protect
their clients' private data, whereas Reg S-P specifically pertains to when
client NPI is shared with a nonaffiliated third party. Which means that the
client NPI shared with a nonaffiliated third party will be subject to the
initial and ongoing privacy notice requirements of Reg S-P, as well as potential
opt-out requirements and limitations on use. Client NPI shared with someone
other than a nonaffiliated third party is not subject to the same requirements
or restrictions.
As applied to the spectrum of potential new hires, this effectively means that
any independent contractor with whom client NPI is to be shared will be
considered a nonaffiliated third party and will be subject to the privacy
notice, opt-out, and use limitations prescribed by Reg S-P. While employees of
the advisory firm, on the other hand, are de facto affiliates of the advisory
firm, and thus client NPI sharing with employees does not trigger the same Reg
S-P implications.
So does this mean that advisory firms have to give clients an opportunity to opt
out of the sharing of their NPI with nonaffiliated third parties or otherwise
obtain their active consent to such sharing in each instance? This would seem
exceedingly cumbersome and impractical, especially given the potential universe
of third parties that would need to be accounted for (such as the advisory
firm's custodian, financial planning software provider, outsourced virtual
assistants, independent paraplanners, etc.).
EXCEPTIONS TO REG S-P REQUIREMENTS FOR NONAFFILIATED THIRD PARTIES
Luckily, there are a few meaningful exceptions built into Reg S-P that
streamline the sharing of client NPI with nonaffiliated third parties that can
guide firms on how to handle information-sharing without requiring a separate
consent form or providing an opportunity to opt-out.
THIRD PARTIES UNDER CONTRACTUAL AGREEMENT
The first exception, detailed in Section 248.13, eliminates the consent/opt-out
requirement that would otherwise be imposed if the advisory firm shares client
NPI with a nonaffiliated third party that offers services to (or operates on
behalf of) the advisory firm if the firm meets the following two requirements:
> 1. Provide the initial [privacy] notice in accordance with §248.4; and
> 2. Enter into a contractual agreement with the third party that prohibits the
> third party from disclosing or using the information other than to carry
> out the purposes for which you disclosed the information, including use
> under an exception in §248.14 or §248.15 in the ordinary course of
> business to carry out those purposes.
Thus, if an independent contractor is hired to perform services for or functions
on behalf of the advisory firm and contractually agrees to use any client NPI
solely for the purpose of fulfilling its services for the advisory firm, client
NPI can indeed be permissibly shared with the independent contractor without
affording the client a separate consent/opt-out right, provided that the
advisory firm delivers its standard initial client privacy notice.
A far-from-exhaustive list of such permissible services and functions could
include the following activities:
* Entering client NPI into a CRM system, financial planning software,
investment policy statement, or custodian new account opening form;
* Developing an asset allocation, placing trades in an order management system,
or designing a financial plan;
* Managing an advisory firm owner's email, calendar, workflow, or to-do list;
or
* Performing compliance-related testing or analysis.
ACTING UNDER CLIENT DIRECTION OR AUTHORIZATION
The second exception, explained in Section 248.14, eliminates the
consent/opt-out requirement if the firm discloses client NPI "as necessary to
effect, administer, or enforce a transaction that a consumer requests or
authorizes, or in connection with" the following:
> 1. Processing or servicing a financial product or service that a consumer
> requests or authorizes;
> 2. Maintaining or servicing the consumer's account with you, or with another
> entity as part of a private label credit card program or other extension
> of credit on behalf of such entity; or
> 3. A proposed or actual securitization, secondary market sale (including
> sales of servicing rights), or similar transaction related to a
> transaction of the consumer.
Thus, the consent/opt-out requirements are nullified if, for example, a client
directs or authorizes the advisory firm to place orders through a specific
broker-dealer, or if they direct or authorize the retention of a specific
sub-adviser.
OTHER EXCEPTIONS OUTLINED IN SECTION 248.15
The third exception, explained in Section 248.15, is a miscellaneous catch-all
exception to the consent/opt-out requirement that applies to the following
scenarios (excerpted from relevant parts of Section 248.15 itself):
1. If the client has consented to or directed the sharing;
2. To protect the client's confidentiality or secure the advisory firm's
records;
3. To protect against or prevent actual or potential fraud, unauthorized
transactions, claims, or other liability;
4. To persons holding a legal or beneficial interest relating to the consumer;
5. To persons acting in a fiduciary or representative capacity on behalf of
the consumer;
6. To law enforcement agencies;
7. In connection with a proposed or actual sale, merger, transfer, or exchange
of all or a portion of a business or operating unit if the disclosure of
nonpublic personal information concerns solely consumers of such business
or unit;
8. To comply with Federal, state, or local laws, rules, and other applicable
legal requirements;
9. To comply with a properly authorized civil, criminal, or regulatory
investigation, or subpoena or summons by Federal, state, or local
authorities; and
10. To respond to judicial process or government regulatory authorities having
jurisdiction over you for examination, compliance, or other purposes as
authorized by law.
The SEC's FAQ #13 regarding Reg S-P summarizes an example of the consent/opt-out
exception nicely:
> Q: Must an investment adviser permit its customers to opt out before the
> adviser shares nonpublic personal information about the customers with (i) a
> nonaffiliated broker-dealer in order to execute trades on behalf of the
> customers or (ii) a nonaffiliated custodian that holds securities on behalf of
> the customers?
>
> A: No. Regulation S-P permits financial institutions in certain circumstances
> to share nonpublic personal information about consumers (and customers) with
> nonaffiliated third parties without providing them with notice of and
> opportunity to opt out. These circumstances include sharing information with a
> nonaffiliate (i) as necessary to effect, administer, or enforce a transaction
> that a consumer requests or authorizes, (ii) in connection with processing or
> servicing a financial product or service a consumer authorizes, and (iii) in
> connection with maintaining or servicing the consumer's account with the
> institution. Under these exceptions, an investment adviser need not provide a
> customer the opportunity to opt out before sharing nonpublic personal
> information about the customer with (i) a nonaffiliated broker-dealer in order
> to execute trades the customer has authorized and (ii) a nonaffiliated
> custodian that holds securities on behalf of the customer.
It's worth re-emphasizing that these exceptions do not negate the need for
SEC-registered firms to implement policies and procedures to protect client
information as specified in Section 248.30(a). Rather, they apply only to
certain consent and opt-out elements of Reg S-P.
In summary, an advisory firm should observe the following safeguard, notice, and
opt-out requirements to comply with Reg S-P:
* Adopt written policies and procedures that address administrative, technical,
and physical safeguards for the protection of customer records and
information.
* Deliver a written privacy notice to clients that describes the advisory
firm's privacy policies and practices at or before entering into an advisory
relationship with clients. Advisory firms are strongly encouraged to consider
adopting a Federal model privacy notice form developed jointly by multiple
Federal regulatory agencies and posted on the SEC's website.
* Deliver an opt-out notice to the client or otherwise obtain the client's
consent if sharing NPI with a nonaffiliated third party in such a way that
does not fit within one of the above-referenced exceptions.
* If an advisory firm's information sharing or privacy practices change, it
should re-deliver its updated privacy notice (and opt-out notice, if
applicable) to all existing clients. Notably, as of 2016, SEC-registered
advisers are no longer required to re-deliver their privacy notices on an
annual basis if (a) they do not share client NPI in a manner that triggers an
opt-out notice, and (b) they have not changed their privacy and information
sharing practices as previously/currently disclosed in their current privacy
notices. State-registered advisers may still be subject to annual re-delivery
requirements.
NERD NOTE:
Firms should ideally have their own information security controls in place
before bringing a new hire into the fold, but those in need of guidance on
creating or updating their security systems can refer to past Nerd's Eye View
blog articles such as Building The Five Pillars Of SEC Cybersecurity
Requirements As A (Registered) Investment Adviser and Practical Cybersecurity
Steps For (Independent) Financial Advisors To Better Protect Client Data).
For more information about the content requirements of the privacy notices and
opt-outs, and for links to several model privacy notice forms that the SEC
jointly endorsed with seven other Federal agencies, check out this prior article
that discusses the use of model privacy notice forms.
For additional reading, review the following recent SEC Risk Alerts on the topic
of information security and client privacy obligations: Observations from
Cybersecurity Exams, Investment Adviser and Broker-Dealer Compliance Issues
Related to Regulation S-P – Privacy Notices and Safeguard Policies, Safeguarding
Customer Records and Information in Network Storage – Use of Third Party
Security Features, and Cybersecurity: Safeguarding Client Accounts against
Credential Compromise. To really go down the rabbit hole, check out the SEC's
resource page dedicated exclusively to Cybersecurity.
NEW HIRE INFORMATION SECURITY AND SHARING BEST PRACTICES
If a new hire doesn't need access to client NPI (e.g., access to the firm's CRM
systems) to perform their job responsibilities, don't grant such access. Keeping
new hires on a need-to-know basis can help to streamline the due diligence
process, as there are many considerations that need to be made with all new
hires.
In addition to the classification decisions and Reg S-P requirements described
above that advisors should consider during the hiring process, below are some
suggested best practices to follow when making both pre- and post-hiring
decisions.
PERFORM DOCUMENTED INITIAL DUE DILIGENCE ON THE PERSON OR FIRM TO BE RETAINED
This is especially important if the new hire will be the recipient of and have
access to client NPI. Consider having would-be employees undergo a background
check through the likes of GoodHire or a similar service, and conduct some
sleuthing via your favorite web search engine.
To the extent the new hire is an individual independent contractor and/or
third-party firm, search for any publicly available information security, data
retention, and privacy practices (which some firms may make publicly available).
Request any independent control reports the third party may have undergone (for
example, a SOC-2 audit report may be available for larger service organizations,
and may include helpful information about an independent auditor's testing of an
organization’s privacy controls), and consider having the third party complete a
due diligence questionnaire, supplying any helpful documentation with respect to
its privacy and security practices.
Some example questions that can be included as part of such due diligence
questionnaire are listed below.
Sample Third-Party Privacy/Security Due Diligence Questionnaire
* In a narrative format, describe the physical and electronic controls in place
to protect nonpublic information in your possession or control.
* Indicate which of the following privacy/information security practices are
memorialized in a written policy that is communicated to your personnel:
* Minimum length/complexity requirements for passwords
* Changing of passwords with a certain regularity
* Use of multi-factor authentication
* Use of a virtual private network or secure Wi-Fi connection
* Use of company-issued hardware devices
* Prompt notification of when a hardware device is lost or stolen, or if any
user credentials are otherwise compromised
* Periodic training on information security threats and best practices
* Return of all company-issued hardware devices
* Use of encryption or other secure means when transmitting nonpublic
information
* Use of and implementation of updates to anti-virus, anti-malware, and other
protective software services
* Use of a password manager
* Provide a copy of your privacy notice or description of your
information-sharing practices.
* What is your incident response plan in the event that you experience an
information security breach, intrusion, hack, attack, or otherwise have any
nonpublic information compromised?
* Within the last 5 years, have you experienced any information security
breach, intrusion, hack, attack, or otherwise had any nonpublic information
compromised? If yes, describe any such instances and remedial measures
subsequently undertaken.
* In a narrative format, describe your disaster recovery and business
continuity plan (or, alternatively, provide copies of such plans), as well as
the results of any testing performed with respect to such disaster recovery
and business continuity plan.
* In a narrative format, describe any internal risk assessments or third-party
audits you have undertaken with respect to your privacy and information
security practices. If yes, describe the results of such assessments or
audits and any remedial measures subsequently undertaken.
* Do you utilize a third-party information technology consultant or firm to
manage or assist with the administration, monitoring, or maintenance of your
privacy/information security program? If so, describe the services provided
by such consultant or firm.
ENTER INTO A WRITTEN AGREEMENT WITH THE NEW HIRE
This can include appropriately tailored confidentiality and non-disclosure
obligations, including how client NPI is to be handled both during the course of
the agreement and after its termination. This can be included as part of an
employment offer letter or broader independent contractor agreement, or it can
be a standalone agreement solely dedicated to confidentiality and client NPI.
An overview of the components of such an agreement is provided below.
PROVIDE ONGOING SUPERVISION, TRAINING, AND PERIODIC DUE DILIGENCE OF THE NEW
HIRE
In addition to supervision and due diligence tasks, firms should ensure that
initial and ongoing training on topics related to information security and
sharing is provided to employees, supervised persons, and access persons.
Conduct work-product reviews, request periodic completion of attestations or
certifications related to client NPI in which the new hire attests or certifies
in writing, and under signature, that they have and will continue to abide by
the advisory firm's privacy, information security, and related policies.
Firms shouldn't be afraid to periodically re-sleuth on their favorite web search
engine to uncover any publicly available information that may speak to the new
hire's ability to adhere to information security and sharing requirements.
HAVE A READILY EXECUTABLE PLAN THAT CAN BE IMPLEMENTED UPON THE TERMINATION OF A
NEW HIRE'S RELATIONSHIP WITH THE ADVISORY FIRM
Maintain a current list of all systems and information that a new hire has
access to, and stand ready to methodically but quickly terminate access to such
systems and information in the event of the new hire's planned (or unplanned)
departure. This process can be made immensely easier by having a current
checklist of such systems and information, including URLs to visit, phone
numbers to call, or forms to submit in order to facilitate the termination.
Alternatively, advisory firms may find it easier to delegate this responsibility
to an outsourced information technology firm.
HOW MUCH DUE DILIGENCE IS 'DUE' FOR NEW HIRES?
With respect to ongoing due diligence, an advisory firm owner might justifiably
be wondering what degree of responsibility and culpability they have with
respect to the information security and sharing practices of nonaffiliated third
parties. At least for Reg S-P purposes, FAQ #14 provides only a moderately
helpful response:
> A financial institution is not responsible under Regulation S-P for the
> privacy practices of a nonaffiliated third party with whom the institution
> shares information under an exception listed in sections 248.14 or 248.15
> (such as a broker that executes transactions the client has authorized).
> Regulation S-P limits the ability of these nonaffiliates to use and share
> information they have received in those circumstances. If the nonaffiliate
> receiving the information under an exception is a broker-dealer, fund, or
> investment adviser registered with the Commission, the Commission could
> enforce the provisions of Regulation S-P with respect to the nonaffiliate.
While at first blush, this response appears to helpfully limit an advisory
firm's responsibility for the privacy practices of nonaffiliated third parties,
the Reg S-P opt-out exception afforded to service providers by Section 248.13 is
conspicuously missing.
Thus, if client NPI is shared with a nonaffiliated third party under Section
248.13, the non-responsibility position does not appear to apply.
On the other hand, in the Adopting Release for Reg S-P, the SEC states the
following:
> …we have decided not to revise the rule to impose a specific duty on
> broker-dealers, funds, and registered advisers to monitor third parties' use
> of nonpublic personal information they provide.
The context in which this statement is presented suggests it would apply in the
event the nonaffiliated third party was independently subject to Reg S-P. In any
event, this nuance of Reg S-P appears to be a bit muddy.
What I can say is that the concepts of ongoing due diligence are certainly
incorporated into the SEC's Risk Alerts and other public statements regarding
cybersecurity, and that such expectations are framed in the context of an
advisory firm's obligation for ongoing vendor oversight.
--------------------------------------------------------------------------------
Growth inevitably brings complexity, and the rabbit holes exposed by hiring an
additional advisor, staff, or service provider are prime examples. With some
advanced planning, as well as a respect for the compliance, privacy, and
information security requirements triggered by such growth, the addition of a
new hire can be an incredibly rewarding decision that will help level up an
advisory firm owner's business while freeing up time in the long-term!
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