Beech TreeTechnology Advisors
Financial Advisory Technology & Cyber Risk SnapshotDelivered at the end of your consultation
September 29, 2026
Prepared for: Harbor Ridge Wealth ManagementParticipants: Managing Partner and Operations LeadConsultation: 90 minutes
56%of applicable checks fully in place

Where you stand — firm and personal digital security together

Your firm systems are the strongest part of the picture. The bigger exposure is uncertainty — several questions below that no one in the room could answer yet. That is usually a bigger risk than a single missing control, because you can’t manage what no one has checked.

How to read 56%: we asked 136 questions covering your firm systems, remote work, AI use, and VIP Digital Security; 105 applied to you (31 did not). A full “yes” counts fully, “partial” counts half. This is a conversation guide, not an audit score.

55in place
7partly in place
31not sure yet
12not in place

The same picture, by area

Firm systems
88%
Custodian/CRM/portfolio platforms, Microsoft 365, backups, access control — 52 checks
Remote work
33%
Remote access, VPN use, and secure personal-device access — 15 checks
AI use
29%
Professional AI use, client-data handling, and AI-scam awareness — 17 checks
VIP Digital Security
14%
Personal accounts, mobile devices, privacy, identity, and family guidance — 21 checks

What is working well

  • Sign-in protectionMFA on email, admin accounts, and key apps. Admins use stronger, phishing-resistant sign-in.
  • Devices kept currentAutomatic patching and endpoint protection on all devices. Old systems retired or isolated.
  • Email defensesSpam and phishing filtering, spoofing protection, and office macros blocked.
  • BackupsEncrypted, with one copy kept offline. Restores have been tested, not just assumed.
  • Access controlStaff are added and removed promptly, daily accounts have no admin rights, and a password manager is used.
  • Remote accessRemote access runs through VPN or zero-trust, not open management ports.

Your next steps

1Put AI rules in writing, for the firm and VIP Digital SecurityNot in place

Set which AI tools staff may use with client and firm data, and agree on a shared habit for verifying an unexpected urgent call or voice message before acting on it. The same verification habit protects a payment or vendor request at the firm and a personal impersonation attempt.

Effort: About 2 hours to draft, then a 15-minute team read-through · Who: Managing partner and operations leader
2Start phishing training and test emailsNot in place

Run a short yearly training session plus quarterly simulated phishing emails, with follow-up for anyone who clicks.

Effort: 20 minutes per person, per quarter · Who: IT provider
3Separate personal and guest devices from firm-access devicesNot in place

Put personal and guest devices on a separate network from devices used to access firm systems, and use the VPN on every network a work device connects to off-site.

Effort: About 1 hour, mostly router settings · Who: IT provider, for personnel who access firm systems remotely
4Confirm Microsoft 365 and personal-access settingsNot sure yet

Get written confirmation of your Microsoft 365 security configuration, and check that home routers used for remote access to firm systems have current firmware and a changed default password.

Effort: A 30-minute call, plus 15 minutes per router · Who: IT provider
5Write a one-page client-service continuity planPartly in place

List phone numbers for your IT provider, custodian, CRM, or portfolio-system vendor, cyber insurer, and attorney on one sheet, plus who decides what and who watches for trouble after hours.

Effort: About 2 hours · Who: operations leader, with IT provider
6Finish your system, access, and vendor inventoryPartly in place

Write down every device, cloud account, and vendor with access to client and firm data, and note what happens if one of those vendors has a breach.

Effort: About 2 hours · Who: IT provider, with operations leader

Why this Snapshot also looks at VIP Digital Security

Remote work means the line between “shop” and “home” isn’t where it used to be. A secure home is part of a secure shop, so a few findings outside the shop are worth naming:
  • Executive and vendor-request verification (not in place): The same channel-verification habit that stops a deepfaked “urgent wire transfer” call also stops a deepfaked family emergency call. Neither is in place yet.
  • Personal identity and account recovery (not sure yet): Transaction alerts on personal bank and payment accounts weren’t confirmed. The same instinct — know immediately when money moves — applies to shop accounts.
  • Personal digital footprint and privacy (not in place): Personal email, social-media, and public-information exposure may make firm leaders easier to target. Not urgent, but worth a look once the items above are handled.

Questions to ask your vendors (6 areas)

AreaAsk thisWho to ask
Custodian / CRM / portfolio systems“Who backs up our job files, quotes, and production data, how often, and when did you last test a restore for us? What is your outage plan?”custodian, CRM, or portfolio-system vendor
Microsoft 365 and email“Can you show me who has admin access, and which mailboxes forward outside the firm? Who sees a suspicious sign-in?”Managed IT provider
Firm network and remote access“What is exposed to the internet from our firm, and who is watching it at 2 a.m. on a Saturday?”Managed IT provider
Backups“Show me the last file you restored from our backup, and how long a full recovery would take.”IT provider and critical application vendors
Remote access and VIP Digital Security“What is the rule for the router firmware, personal-device use, and VPN when someone accesses firm systems remotely?”Firm leadership, with IT provider
AI tools and impersonation verification“What client or firm information can staff put into an AI tool, and what is our rule for verifying an unexpected urgent call before acting on it?”Managing partner and operations leader

Your 30–90 day path

NowPut AI rules in writing, for the firm and VIP Digital Security. Start phishing training and test emails.
Within 30 daysSeparate personal and guest devices from firm-access devices. Confirm Microsoft 365 and personal-access settings.
60–90 daysWrite a one-page client-service continuity plan. Finish your system, access, and vendor inventory.