What Does A Cybersecurity Firm Do For Me?

And Tim, good afternoon.

Hello.

Hello.

I appreciate you both making some time today to discuss once again this is part two of a series we've done on cybersecurity. For our viewers at home, we're joined today by Karlee Garcia who's a private client relationship manager over at BlackCloak. Some of you may already be familiar with BlackCloak. We did an episode on them earlier this year and I was thinking, you know, we've done around 14 or 15 episodes of our podcast and this is the second one we've done on cybersecurity and I'm sure there's some people wondering, you know, hey, you cover a lot of ground.

We talk about tax planning, estate planning, investment planning, you know, why all the focus on cybersecurity and I think it's really important because cybersecurity planning just wasn't nearly as important talked about, you know, addressed 10 years ago. And you know when things come up you know something like the big beautiful bill earlier this year you know with tax planning you have to address it but it doesn't come up that often cybersecurity has really evolved so much there is a new scam that we're reading about every single day and it's constantly evolving and there's new threats that people weren't aware of you know a week ago that they need to be aware of now and so I think what goes along with that is because it's so new people are more you know underprepared in addressing this issue than all the other planning areas of their life.

And you know, we're joined today by Tim McCabe, who's founder of McCabe & Associates, came out of retirement to help us with this podcast. You know, second thing that we think is really important and why we wanted to do a part two on this series is, you know, when we start these relationships with a company like BlackCloak and we bring our clients to them, you know, we have a good understanding of how they operate and what they offer to our clients, but clients will ask time to time, it's a really good question, are you using them for yourself?

You know, it really hits home with people more if you actually go through their process. You engage with their team, you know, how they operate. And so Tim was a really great example of somebody, you know, we work with business owners who transition out of their work life into retirement life. And when they do that, you know, sometimes they're dealing with, you know, having, you know, personal devices at work and now they're moving to using personal devices purely at home. Their financial situation may change as part of a transition.

And so when that change occurs, it's important that they're reviewing, you know, all these different areas to see what should I be doing now that I, you know, maybe wasn't doing or I wasn't covering when I was working. And so, Tim kind does the favor of, you know, kind of engaging with BlackCloak, going through their process and working with their team to kind of work on his own cybersecurity planning. And so that's really why we brought him on today. And, you know, Dad, maybe I'll hand it over to you to maybe just give some comments on, you know, your experience with BlackCloak.

You know, some of the things that you've talked to them about, worked through, you know, with you and mom and kind of what you noticed along the way.

Good. Well, thanks George. Yeah. You're absolutely right. Particularly in my generation the cybersecurity is absolutely a new threat and it is something that we all read about and I George brought it to our attention the attention of the office earlier this year and was critically important and did a great podcast with the group from black cloak but as George and I were talking about it I think you know understanding the problems that may arise and we do read about them daily and we think the general public does as well but the Second concern I share with George is like a lot of things in life just inhip.

People are saying yeah I understand it's a problem but I've retained I am in privacy guard. I've got life lock and I've got that all covered and I really don't think people really have just seen that they've just seen the tip of the iceberg is how serious this problem can be and that a lot of areas need to be covered. So George and I talked about it. We thought we would want to have this followup and as George said someone who has been through the process which my wife Megan and I have been in recent months and share that share that findings and our experience with people and with the goal being this isn't an overwhelming task to take on and yet the reward is just priceless as far as I'm concerned and I can skip to the ending of the story and tell you that my wife and I are both sleeping much more comfortably knowing that we've got this protection in place for all of our devices.

And so Meg and I each have three devices. We have our laptops, we have iPads, and we have cell phones. And so we talked to the people at BlackCloak. I enrolled in their program and then they have what the next step is what's called an onboarding program. And so we both sat through that process and I will tell you it was pain-free. It took the first initial session was I think took less than 60 minutes and not only did we walk away with a lot accomplished but also we got a great education and the individual individuals that we've had throughout these onboarding sessions have been extremely helpful very knowledgeable very patient which comes in handy with someone like myself and so we thought we would just kind of share the details of that experience with you and then Karlee who can kind of maybe do a little deeper dive as we hit some of the points that were covered in the onboarding session.

I think you'll find this to be very enlightening and our hope, George and I, our hope and the advisers for McCaven Associates hope that you take this opportunity to pursue it and at least have a discussion and know what it's capable of providing. The first onboarding session is what they refer to as this privacy and exposure review. And as I recollect, Karlee, I think the first thing they did is ask for our emails. Meg and I each have two emails. I have a business and a personal and he has two personal emails.

We provided that. They also asked for information, you know, cell phone numbers, addresses, etc. And I believe Karlee, the first thing they looked at was for this, you know, this what's called the dark web review. And maybe you can touch on exactly, you know, they came back and there wasn't anything alarming with what they found, but there were a number of locations, websites that had our information that we really didn't need for them to have any longer and it was just recommended that we kind of clean that up. So, Karlee, maybe you can touch on that.

Yeah, absolutely. So, again, thank you so much for having me on. This has been a pleasure and wonderful getting to talk to both of you. So to talk about the privacy and exposure reviews a little bit more, I know that you mentioned that we collect data around you and your wife to begin with. So again, emails, phone numbers, names, things of that nature. There's two reasons why we're doing that. One is called a data broker removal service that we offer. So for those of you that don't know what a data broker is, is you can think of things like back in the day there used to be these wonderful things called phone books, right?

That had everybody's information on them. You could look them up alphabetically. So it's really the same idea except it's on the internet and anyone can access it. So think of pages like 411.com, whitepages.com, or if you're familiar with sales, there are things like Zoom Info. Most of them are not nefarious. Some of them are certainly, but most of them are not. And the reason why they are out there and they're able to sell our information is because they're it's not widely regulated by the US government.

So it's a big money-making scheme. But that puts you at risk, right? By having your home information out there, your phone number, your email addresses. This is just the beginning of what nefarious actors can use to harm you in financial or even physical ways. So, we start taking those down and we're able to do that by grabbing your personal information. The second part of that and why we need your personal information is so that we can start scrubbing the dark web for you. So, obviously, everyone knows what the dark web is.

It's not a great place, not anywhere that you want your personal information. However, everyone's on it, unfortunately. It's just part of the world. So, we ask for that information up front so that we can hone in and pinpoint you specifically as a human and not be sharing information with you that's not necessarily yours if you have a common name or if you have like a junior or senior situation in your family. So, it's really more or less just to hone in and then also get you enrolled in that dark web and data broker removal service that we have.

And as I understand it, Karlee, number one, that action or assistance has greatly reduced the amount of spam phone calls we have. Is that tied into what we're talking about, which is that in and of itself is a huge plus. But secondly, I will mention that we have also continue since we enrolled to get these emails occasionally about concerns that have been not our specific information, but just certain warnings to be on the lookout if we had purchased something from this party or whatever. So it is an ongoing process, an ongoing monitoring, which is critically important for people to understand.

The next step was the home Wi-Fi system. So Meg and I, we have two homes, one in Chicagoland, one in Michigan. And I know in past years, when people first started to getting, you know, home Wi-Fis, people would just put their name on, you know, name it under their own name and then use their phone number, which at that time was a hard line. And talk about an easy nut to crack as far as security reasons. So we provided BlackCloak and the onboarding session. They looked at our Wi-Fi system in both locations and put our mind at ease by let's discuss these portals, Karlee, exactly what they're doing and on this ongoing monitoring that goes on in regard to our home Wi-Fi systems.

Yeah, absolutely. So in terms of the home Wi-Fi, you're absolutely correct. So during the privacy and exposure review, that's one thing that we'll ask for you. If you are at your current location, you can just very easily hop into the application and say yes, I am here and it will grab that IP address for you. So every IP address is specific to your home and your home router. And what we're doing is essentially scanning that IP address and looking for something called open ports. So if you want to visualize this as not a computer and not the internet, if a bad actor was trying to break into your home, they would go around all the windows and wiggle the windows and they would wiggle the doors and try to see how they can get in.

If they're all locked, then that's great. They move on to the next house. However, if there is one window that's slightly wiggly and they can get it open and get in, they're going to use that window, right? So, for us, we are doing these scans and we're looking for what is called open ports. If we can get into the open port, there's a very good chance that the bad actor can get into the open port. From there, we're going to do an additional layer of what we call pen testing or penetration testing where we're actually trying to break into that port and see if we can do anything cause any harm, do anything bad in there.

So I will say that one in three homes have computers that are infected with malware. So this is a real serious issue. You might already have something in your home and you're not aware of it. We will download a an EDR on your computer and we'll scan and make sure that there's nothing nefarious on your computer already and if there is we'll work with you to mitigate those problems as well.

And I will tell you that process took hardly any time at all. Not that it wasn't a competent job but I mean it was a matter of minutes and they came back said we're happy to report that there is no malware. We find no portals and again just instantaneously there your level of comfort goes up immensely in just that area. You know I'm also going to touch while we're talking about Wi-Fi is this VPN which I found fascinating. So, I've got my cell phone here and I've got my iPad and I'm try I may or may not have my laptop, but we're at an airport or public location, whether it be a hotel.

And you know, we've all read about the concerns about using public Wi-Fi. And with a touch of two buttons on my phone, I can take care of that problem. So that this VPN system, which as I described as an extra tunnel or layer of protection, which would allow me at a hotel or an airport, not having to worry about being on a public Wi-Fi where bad things can happen. Can you touch on that a little bit? A little more explanation to the obvious or to the person typical lay person that may not understand how VPN works.

Yeah, absolutely. So essentially a VPN is like a private tunnel, right? So, to your point, you don't necessarily want to join public Wi-Fi. There's a few reasons for that. It has been proven and a very successful tactic for these bad actors to basically hack into the public Wi-Fi and then if you join, you're under attack essentially. So we offer a VPN which is essentially a private tunnel. So, when you are in an airport or you're at a hotel, all you do is press a button within our application.

It turns the VPN on if you're out of the country, we have various different points of presence that we can activate from the VPN. So, it's not just US- based at all. And then from there, you're in this private tunnel and you are able to access the internet and browse the internet and go to the websites that you want to go to and you're protected. And then once you get to where you're going on the internet, it doesn't say, "Hey, this person is coming from you know, DW airport or what have you, this person is coming from this protected tunnel." So, it's really hard to trace back to yourself or your device.

Terrific. Speaking of applications, the other one that's on the phone, and again, if Tim McCabe could follow this, I can assure everybody it is very easy and straightforward. But another application is the QR code scanner, which I found fascinating because I struggled early on with the QR codes on menus and park benches and everything else and on your phone as you're logging in. But I then I started reading in recent years about how the malware and everything can get downloaded if you scan a QR code.

And I'm thinking, well, then I'm just going to not use them, which is ridiculous. So, again, as simple as pushing a button on the phone, this QR code scanner, all you do is you hold your cell phone up to the QR code. And I use a term, they give you the AOK that it's legit and you can use it. Can you touch on that, Karlee?

Yeah, absolutely. And you're doing a great job explaining these. But yeah, the QR code is exactly that. It's just a button on your on your application that you can click and it will scan the QR code for you and then let you know if it is a malicious link or not. So, we are basically cross referencing those. There's lots and lots and lots of databases out there that have all of these malicious links and obviously new ones are being created all the time. So, it's a static list.

But we're just cross referencing that and making sure that it's not a known malicious link or it doesn't have the attributes of a malicious link and we're just ensuring that you are good to go so that you're not getting into a situation that you don't want to be in.

George and I were talking briefly after in preparation for this call and he mentioned that somebody had just said, "Well, I'm just not going to scan QR codes." And I was reminded my wife and I were at a parking lot at 11:30 at night one night and we had to use the QR code to get out of parking garage.

So this denial I'm never going to use it. That's how I'll protect myself. It a is unreasonable and b it's unnecessary when you have black cloak. And so those are the apps there. You also mentioned that we have not yet enrolled in it but there was a suggestion to look at these is it no more help me with the rooc callers and the scam.

Yeah. So within the application this is not this is a paid service. So you will have to pay for this on top of your BlackCloak subscription but NMORBO and RoboCiller are two vetted tried andrue applications that BlackCloak will put their name behind and they put it in our application so it's right there and easy enough for you to reference. But these are spam blockers really. So they are looking for again known phone numbers, phone numbers that aren't necessarily known to you in your phone. You can use it on an international scale as well, which is really nice if you have multiple homes in different countries.

And it really is just going to reduce the calls or the amount of calls that get through to you. You can of course say, "Yep, this is a good number. Nope, this is a bad number." And it will continue that service. But I kind of wanted to go back to what we first started talking about and you touched upon it as well with the data broker removal because we are shrinking your attack surface or your digital footprint, whatever you want to say, by removing these data broker profiles.

That is also going to affect the amount of spam calls that you are receiving because if there's not a endless amount of information out there about you, it's a little bit harder. People have to work a little bit harder to grab that information. So, it's not an easy kind of scrape and go. So between the DBR and then the Nommo Robo and then also we have tons of information on different settings depending on what type of phone you have. There are different call screening settings that the team can help you out with. So there's a lot of different resources we have that can help you combat the spam calls.

And we will kind of wrap things up in a in a minute or two about the concier service which we think is critically important. But I also want to touch on these actionable items. Some I think one only one of them I was really familiar with about things to protect yourselves these days but in this onboarding session you know they ran down this checklist and starting with the credit bureaus and freezing your credit and just it was no nonsense you know if you haven't frozen your credit you got to do it just plain and simple there's no reason not to it can certainly be unfrozen but the risk associated with not freezing the credit so we went and did that me and I on our own in a matter of minutes but that was brought to our attention on the onboarding session.

The other one which I was not familiar with is this check systems which is basically you can go in and go to that website you freeze that and no one as I understand it Karlee can open up a bank account in your name once that's frozen again you're going to switch bank accounts you're going to make a move you go in you unfreeze it you do your business you go back in and freeze it was not familiar with that we did that immediately and again this is these are easy action items to take the other one was the IRS PIN number and George and IR are very familiar where, you know, we're hearing from, you know, various parties about how there's been identity theft and tax related matters.

People filing for unemployment benefits or filing for refunds. I have a great CPA. I'm a CPA, George CPA. We have a CPA doing our taxes. Bounced it off of him, this IRS PIN number, which I was not familiar with. And, I thought maybe the reason I didn't have it, but our accountant said, "No, you probably you and me should probably file for those." So those three actionable items you know were just brought to our attention. I was not familiar with them. They were an easy fix but critically important.

So I wanted to cover those. In the last I was personally somewhat familiar with my wife was not. I don't know that most people are but it's these password managers. Now I through work we use last pass and that's been a very helpful safe and secure method of you know retaining passwords that you know you never want to use duplicate ones or write them on a piece of paper but we've also were introduced as an option for our personal as George said I'm you know pretty much retired now but this one password is another u particular password manager and it's driven home the point that I have to use that on my personal as well.

And so we're going to kind of separate the last pass and the one pass one password. But so that and then if you wouldn't mind touching on Karlee about the importance of MFA this you know multifactor authorization and specifically I was also enlightened to hear that the majority of the websites I go to I have make sure that I have MFA so there's kind of this two layers of security but that we you know to date I mostly get texts on my phone but now the bad actors have kind of find found a way to kind of crack that one. So they're you're suggesting more using authenticators. Can you just spend a minute or two discussing that MFA issue?

Yeah, absolutely. So, multiffac MFA stands for multifactor authentication, and it truly is just that. You can set it up on most websites or programs that house any sort of sensitive information. And it's one thing for you to have your username and password as I'm sure Tim you found on your privacy and exposure review. There are lots of people that might have your username and passwords or some might find on their privacy and exposure reviews. So it we're to your point at kind of a time in our lives where it's not that's not good enough anymore.

So then we move to all right we're going to start sending out text messages and that's all well and good. That works for a little while. But unfortunately bad actors are also really smart. They're just not using their intelligence for good. So they have now figured out that, hey, if we have their phone number and we know for a fact that this 2FA goes to their phone number, we can set that as a secondary and we can put in our own phone number and have the text go to us and not them.

So there was kind of a breakdown there. So now enter to your point these authentification applications like AI is a good a good example and essentially what that is is it will create a code it's on a timer and it a lot of these large companies or what have you so think like Google all of them they usually have their own proprietary one but the multifactor authent authentic authenticator sorry will send you a code that is timesensitive. So, usually they last like 30 45 seconds and then they change and they generate a new code.

And you also have to have a sign in, a login, all that fun stuff to access it. So, it's again just another layer of hey, this is who you say you are. You know, you're about to access really sensitive data. And it is just another layer of protection that kind of combats the issue if they have your username, password, personal information. Terrific. Good. So, in summary, George and Karlee, we found that the experience was extremely helpful, comforting, it was easy. The I wanted to touch on the concier service, but the key word here is this is a continuous process.

This is not we signed up, we went through this, and we'll see you in a year. I know from experience just in the last couple of months, we're getting these emails, we're getting these, you know, dark web alerts. This is an ongoing process. I believe our home Wi-Fi systems are being scanned each week. And so, and there's just I think the all of us have talked about how, you know, the cybersecurity professionals are building taller walls and the bad actors are just building taller ladders. So, this is an ongoing battle that's going to continue to go on.

And so an individual like myself or I think most people are not going to be able to stay on top of the new tactics that are being used. So in addition to the ongoing monitoring and so forth, this concier service which is basically you know 247 phone number which I have reached out to on three different occasions already and it is not where you call a number and they say call back Monday morning or you wait six hours and you don't hear back from people. I think the longest I had to wait for return call was between 8 to 12 minutes and it wasn't anything that pressing and they were very helpful.

One of them was as simple as it was showing that two of our devices were not secure and the reason being is because Apple had an update and we hadn't updated our iPhones or iPads yet, but something as simple as that. So, I found them to be extremely responsive, very helpful. I haven't had any disappointments as far as getting the information that I need. And so in a nutshell, you know, George explained in great deal along with the people from Glaccloak the importance of identifying this is a real problem.

It's going to be up to each individual to determine how to approach it. Again, I'm not bashing Privacy Guard and LifeLock. I've used Privacy Guard for a lot of years, but as George often says, we don't know what we don't know. And I can tell you my experience with these onboarding sessions and my experience thus far my for my wife and I with BlackCloak has been top-notch and it just does bring you an immense sense of comfort. I don't know if that's because we're older, but I think of anybody of any age would find this to be very comforting with all of the horror stories that you're hearing about. So, George, is there anything or Karlee that you can think of that I didn't touch on?

Yeah. Yeah, I just if you don't mind, I just want to touch upon what this concier service is as well. So just for the viewers listening at home, essentially how the full cycle works is that you decide you want to work with BlackCloak, right? Like Tim decided, did his research, was like, "Yep, this is the service for me." we grab a little bit of information in the beginning, have that privacy and exposure review where we are going over things like the data broker removal. We are telling you what we found on the dark web.

So that includes passwords that are exposed that are out there. Sometimes we find social security numbers, sometimes we find credit card information. So there's a lot some are worse than others. There are some that it's like, "Oh my gosh, I can't believe that you've been, you know, you haven't been hacked yet." and then from there, to your point also, right, like this is it's a marathon, not a sprint. So similarly with the data broker removal everything in the realm of cybersecurity to your point people are adapting people are changing all the time.

It's never going to be like all right you talk to us once and you're completely secure. Yeah we tightened up a few things but there is an ever evolving constant change that's happening here that needs to be addressed. The second part that I want to touch on is that concier service. And to your point, I think it's the most valuable thing that we offer here at BlackCloak. So, not only are you getting the computer protection, you're getting the phone protection, you're getting the Wi-Fi protection, but you also have like a small army of humans here that are willing and able to get the roll up their sleeves and get kind of into it with you when things go wrong.

So if you're ever in an incident, we have a awesome security team that will hop on the phone with you and walk you through step by step like if you're actively being hacked or if you're actively being extorted, anything along those lines. We will walk you hand inand go through everything. Similarly, or not similarly, I should say, if you're getting a weird text message, please send it to us. We want to review it. We will click on that link in an isolated area where it's nothing's going to happen.

We'll tell you if it's bad or not. If you are buying new security cameras and you're looking for ones that connect to the Wi-Fi, but you want to make sure that you have the proper settings or the most secure, like anything in the realm of privacy, we're happy to help you. We can set up blind tr or help we can't set help you set up blind trusts. If you have a private plane and you don't want people to know where you're flying, we can help you with things like that.

I think one of the statistics that really kind of jumped out to me was that Americans lost a total of$6.8 billion last year due to being hacked. And that's not necessarily even looking at high net worth individuals. That's Americans in total. So this is obviously a huge problem. But about 30% of high netw worth individuals have experienced a hack in the last year, which is huge. But even more so, 38% of them don't have a cybersecurity plan in place. So when you know things go bump in the middle of the night, who are you going to call?

And we would really love to be the person that you call and think that there's a good a good opportunity here to help a lot of people. And as George said at the outset, you know, it's one thing to educate you about what our views are on BlackCloak, but having me come on and tell you about my real world experience, I think, and you know, we stand ready to if any of our clients have want to talk to me in person about that or in detail about it, I'd be happy to.

But that that was the importance of putting this together today and really appreciate your help with it. Karlee George, anything else you think we should touch on?

Yeah, I just that was great context for myself and for our clients, but I just took some notes along the way of what I thought were the highlights. And I think you're both spot on, particularly you, Karlee, when you said I think our concierge service is really, you know, the highlight of what we do. Because I hear stories from clients all the time, you know, we're analyzing, you know, their social security benefit and they were trying to call social security. They were on the phone for an hour and they just thought, well, I'll just circle back, you know, or they're trying to focus on the others these other planning points of their life and they're working with these bigger companies that are dealing with, you know, millions of people and they are just getting shifted from department to department.

And I think you know what's great about BlackCloak, I think you even mentioned you called them on a weekend once, right? Right. And I think the peace of mind premium is higher in cybersecurity than it is you know even with tax planning or estate planning. Like it's important to have your estate planning documents. It's important to have like a great accountant. But you know paying a little bit more because I think cost in addition to inertia is the biggest reason why people don't engage with this.

They think I don't need to pay for it. But when you know that you as Tim highlighted they're proactively reaching out on items that you weren't aware of. You have access to them anytime that you want. And cybersecurity is also one where you know if something comes up, you know, with your estate plan or tax plan, you can normally say, "Hey, I need to address this, but I'll get around to it." With a cybersecurity event, sometimes you don't have that luxury. You can't be waiting on the phone for an hour.

You can't wait until they open up on Monday. So I think that is absolutely critical and that's why you pay more and that's why I think in the world of cybersecurity it's worth it to pay a little bit extra to get that peace of mind because it's the best bang for your buck in that regard. Some of the other things that Tim you were mentioning along the way you know about I think some people just take this approach of certain items that they're just going to avoid using QR codes or they're going to avoid getting set up online for paperless statements.

And as the world evolves it's getting harder to do that. I'm not saying it's going to get to a point where people can't, you know, do it that way, but we're seeing with like a lot of the investment companies we work with, they're saying, "Hey, you need to get an online account and get paperless statements and we're going to start charging you 10 bucks a month." Same thing with the QR code. You mentioned about the garage, you know, situation. You know, I couldn't get out without scanning the QR code.

So that's worked up until now, but as the world gets more digital, I just think, you know, getting ahead of this issue is better than just waiting until you're forced to make a change and then you make a mistake because of it. So I thought that was critical. I was going to use the same phrase that Tim used, you know, you don't know what you don't know. You know, just something as simple as, you know, updating your passwords. It's really hard, you know, especially for someone like Tim who's just retired, who did business for 40 years.

Imagine the number of websites that he's used over 40 years. And people forget even forget the websites that they used 20 years ago and they've got all these accounts that they have set up usernames and passwords and probably at that point a lot of people were using the same exact password for everything and they're just hanging out there. So trying to tackle that yourself and just saying well I'll just update the ones that I'm using now. That can be a mistake. And so I think this you know ignorance is bliss.

You people kind of skate through life saying you know what I'll just wait to see if something happens and hopefully it doesn't can be a little bit risky. I think that something like that Nommo robo service is awesome. Again, speaks to the proactivity and I think someone could, you know, hear about that service. I know Karlee, you mentioned, well, that's an additional thing that's kind of a third party service you'll have to pay for. But I hear from people all the time on something like that where they're saying, man, I'm getting all these spam calls or these rooc calls.

I wish there was like an easy way to fix this. There is. And so even though it's like a quote unquote additional cost that you have to take on in order to fix that problem, the fact that someone's bringing that to your attention is valuable.

And then the final thing was that IRS PIN number is that you know cybersecurity it's a standalone planning area, but the fact that you brought Tim's attention, hey this IRS PIN number, that's something that's valuable from a tax planning standpoint. So now you're bringing together different planning areas, you know, under the cybersecurity umbrella. And that's, you know, something huge that, you know, we've really changed in the way that we do things. You know, now we acted more of what we call a virtual family office is just integrating all these different planning areas.

Even if you're handling them extremely well in silos, you know, if you're not communicating amongst, you know, the different planning areas and the different professionals, there's just going to be gaps. No two ways about it. So, I just think those to me were all the highlights. Again, not trying to, you know, oversell, you know, using a service like this, but I just think that, you know, those are all reasons why people should seriously consider, you know, taking a hard look at, you know, what's going on with their cyber life.

Absolutely. And I appreciate that summary and synopsis. And you're absolutely right. And truthfully with BlackCloak even if we don't know or not know the answer but maybe it's not in our realm like we'll still point you in the right direction. This is a true blue cybersecurity concierge white glove service. There is no question too small there's no question too big. We have subject matter experts to your point across all the different silos. And they just it's a great team and I personally love working here. I love the work that we do.

I love that we help people. And it's just been a great experience. And I'm really happy, Tim, that you had a great experience as well because I know the team here works really hard and are truly dedicated to making sure that their members are safe and secure.

It shows, I can tell you that. So, we were very impressed. So, we're grateful for George bringing it to our attention and we're grateful for BlackCloak to delivering on what they said they would. And I will tell you it is extremely comforting to know that aspect of our life is being addressed as well as it can be addressed. It's an ongoing battle, but we feel fully armed at this point in time. So kudos to BlackCloak.

Thank you.

I think we can wrap on that. So again, Karlee, thank you very much for joining us, Dad. I really appreciate you taking some time to kind of talk through your experience. And it was a final note to our clients. You just was talking about integrating your planning. Part of why we're bringing this to our clients attention. It's not a service that we handle in-house. It's not a service that we get compensated for, but it's critically important because you know handling our clients accounts and you know the data around those accounts is very sensitive information and we want to be a part of those conversations.

So it's gives us peace of mind to be able to not only refer to BlackCloak but to you know be a part of the conversation with the client to say hey how can we get client A into a better situation but also how can we be doing things better on our end. So I think it's great that we can kind of start these partnerships with companies like BlackCloak and we really look forward to talking about it with people in the future. So with that Karlee and Tim thanks again for joining me today.

Our pleasure. Thanks George. Thanks.

Take care. Thanks, Karlee.

Thanks,

This transcript was generated from the episode audio and may contain errors.