Financial Wellness Today Episode 3

My name is Gordon Oliver, your host. I’m the director of business development with Cambridge Credit Counseling. Also have my co-pilot here, Randy Nemiroff, who is the president and CEO of Perk Plans. Randy, how are you doing today? Doing very well, Gordy.

How was your weekend? Oh, I don’t know. Your stinky eagles won. So I guess you’re feeling pretty good today. Coffee’s tasting pretty good, I guess.

I think I feel a little bit better if they actually, if the offense played a little better. But overall, yep, we walked away with a win. So we get to go to next week. That’s awesome. Congratulations.

My son, believe it or not, is a Commanders fan. And obviously they won in dramatic fashion, hitting the post and having the field goal go in. They always seem to win at the end. So this year, I think they’ve won, I don’t know, four or five games in the last drive. They were supposed to be the worst, like one of the worst teams, along with the Panthers, you know?

Not anymore. No, not anymore. So it’ll be interesting to see how this all works itself out in the next couple weeks. So financial wellness today, this is going to be our third episode. Again, we had Jay Tolisano on last week.

Introducing the cybersecurity topic

And the mortgage industry has just been in flux for a while now. And to hear Jay come on and give some highlighted information about where things can go and how to look at becoming a homeowner for your first-time homeowner, educational resources. And that’s really what the show is all about. I mean, we just continue to bring guests on that are going to fulfill consumers’ needs of where to find information in the most important topics of their household, of their lifestyle, of their financial wellness. So again, really proud to be doing this show with you.

And this episode, I mean, I can’t think of any more important information. I know almost everybody in the world knows that we are having problems with cybersecurity. Yeah, I’ve known advanced cybersecurity, I’ve known these guys for quite a while right now. And every time I see a demo, I’m just completely amazed. The reaction that people get, and they just don’t really realize what’s really going on out there with cybersecurity.

Well, I always, you know, we’re in the financial wellness business, helping people with debt problems, first-time homebuyer, all things that we’re collecting, you know, personal information. And when companies like the Citibanks of the world and the Targets of the World can get hit, anybody can get hit. And I feel sometimes this is one of those things where consumers don’t put enough time into protecting their information. It’s almost gotten to the point where I’ve even heard people say, when we’re talking to them, like, well, if they want my information, they’re going to get it. That might be true, but we have to do everything we can to protect it.

And it really is part of, just like a budget on a monthly basis is important for a household, doing work to protect information is very important. So very excited to talk about this today, because it’s going to give some great information for people to start thinking about if they’re not doing anything to protect their information, or more importantly, start doing something if they’re not. Yeah, no question about it. I mean, I know when, how secure I feel, just knowing that I have it on my computer or my cell phone, knowing that every single keystroke that I type in is completely encrypted. And just as an individual consumer, it’s just a great security feeling.

Well, all that said, without further ado, it’s my honor and pleasure to introduce CJ Brunette from Advanced Cybersecurity. CJ is the President and Chief Operating Officer of Advanced Cybersecurity. Welcome to the show, CJ. Thanks, Gordon. Always a pleasure to be here with you and Randy.

Guest background and endpoint lock overview

Yeah, listen, our pleasure. The work that you do and the experience that you have couldn’t be more important for people to know about if they don’t already know it. And I know your product can be found on on Perk Plans. So another reason for people to consider becoming Perk Plans members to be able to have access to the great products that are on there. But before we get into talking about cybersecurity, why don’t you tell our audience a little bit about your experience and who you are?

Well, first of all, you started out with football. So I’m, I’m a Saints fan. So yeah, yeah, very, very rough. But I am, no offense to Randy and the Eagles. I am pulling for Washington.

I like you know, the James Daniels, he comes from LSU. So my background is New Orleans, where I was born and raised. And so they I’m pulling for pulling for Washington to do well. I tell you, Daniels, it seems like when the game’s on the line, he seems to as a rookie. I mean, impressive how he just kind of seems to go to another gear to try to get it done.

Yeah, he’s got a couple of Lamar Jackson moves. Yeah, that’s good. Those are good moves to have. Exactly right. So to answer your question, my background spans, oh my gosh, over 45 years in technology.

Started actually many, many years ago in Vietnam. I was what was called a FADAC operator, Field Artillery Digital Analytical Computer. So I’m going to give you the macro of what that was. It was about a 360 pound PC with a 750 pound generator attached to it. And that allowed us to register rounds that were coming from our fire bases and from the Navy to make sure that they were accurate when they were targeting.

So that was my first experience with computing. And after Vietnam in college, I went to work directly for AT&T, spent 15 years there. I actually got a chance to create Unix as a standard. AT&T owned it, but we didn’t know how to commercialize it. So I built a school at MIT, I taught at MIT, had a number of positions at AT&T.

The last was strategy and planning for AT&T at 550 Madison. Then I was a head of technology and advancement at Entergy Corp, big electric utility holding company, headquartered back home in New Orleans. From there, started a company out in California called First Pacific Networks. And that company was the first company to do voice data video over coax cable. That was a very exciting time.

It was the beginning of the internet back in those days. And then a couple of other companies that I’ve taken public, all technology companies, all patent-based. And I saw this particular technology, which is the keystroke encryption, which the name of is called Endpoint Lock, back in 2014, 2015. And then I retired from NewTek, which is a publicly traded bank holding company. And now it’s an internet bank.

It’s the fastest growing bank in the United States. And effectively, at that point in time, I came over to commercialize the technology which underlies what you and Randy were talking about, which is Endpoint Lock. And that particular software, which is utilized in any PC, Microsoft tablet environment, any iOS and Android environment, that particular software prevents the number one component of spyware, number one component of any exploit that utilizes keyloggers and spyware. It stops the keylogger and spyware from capturing anything you’re typing no matter where you are. So very excited about that particular service.

We’ve got some Fortune 100 that are utilizing it. We’re covering millions of devices today with this technology. And it goes from the largest Fortune 100 all the way down to a single individual 13-year-old that got their first phone for the very first time. So it runs the gamut. If you’re typing, effectively, we’re applicable.

So on the consumer side, I’m sure most people want to know, with products that can help with the protecting information, on the grand scale of things, when big companies have their data breached, I think that kind of dings consumer confidence that they have any real chance of protecting their information when such large companies can’t even protect consumer data. I think there was just a – I saw an article that software that schools use called PowerSchool, they just had a data breach. And that’s software that schools throughout the country use for parent communication. So let’s kind of break down – I mean, how does it happen? How do big companies – how do they get breached?

How data breaches happen

How do they not protect their information? Because I think for this episode, for sure, I want consumers to visit Perk Plans or your site to consider getting this product because, again, it’s hard for people to have the confidence that their data can actually be protected when you see major incidents. Experian, as an example, they had a major data breach. So with that said, what’s the macro message that you can give a consumer that they can actually protect their information? S.

How do they get breached? Well, they could have got breached because of a previous breach. They could have got breached because they’re dealing with a vendor who had open database and the bad guys got in there. Let me step back for a minute and bring this from the top level down to an individual consumer. And embodied in what you said, as I just described, is an underlying threat, which is global.

First of all, the Internet is not for the faint of heart. Right. Initially, back in the 80s, I was actually in Fortune magazine in 1994. My product was described as helping to build the on and off ramps to the information superhighway. And it was hailed as the eighth wonder of the world.

Right. S. economy grew exponentially online. Silicon Valley took off. Invention, all types of applications flourished.

All different types of software programs to help write these applications were put together. Revenue and profits grew. S. and global businesses learned how to monetize the Internet. So if you think about what you do at Amazon, what you do during the shopping holidays, all the subscriptions you have, music subscriptions, just basic informational flow that you’ve subscribed to, it has significantly been enhanced and it continues to be enhanced by the power of the Internet.

Here’s the bad news. Unfortunately, the cyber criminals have also determined how they can monetize the Internet. And it started many, many, many years back with Siemens. And the control systems for nuclear plants in Iran was actually the first hack. Now, I’m not going to tell you who was responsible for that because it would point some nasty fingers.

But I’m going to take you to today. McKinsey, who is a very reputable, large consulting firm at the high end of the market, Cybercrime has now become the third largest global economy following only the United States and China. Let me put that in perspective to you. The GDP for China, excuse me, the global GDP for the US is about 30 trillion. 8 trillion.

5 trillion. 4 trillion. So that’ll give you a perspective of how the internet has become the pipeline for damage monetary gain for the bad guys. And they don’t stop at those big companies. They go all the way down.

Now, one other global statistic, which helps I think to frame the consumer issue, one in five crimes worldwide are being committed online. Wow. 20% of all crime globally is online. Now, who’s online? Everybody.

We’re online right now. I logged into your platform, right? You don’t know if I’m compromised and maybe something from my device goes into your platform and then they sit there on your platform and you go out. It’s a very, PowerSchool is a great example because in that environment, all the email addresses of the parents of the kids are there and they’re now available. A lot of people think that, well, my email was compromised.

Well, they don’t go after your email specifically. There’s petabytes of breach data that’s available on the black market for sale to any criminal that wants to use it in any fashion. You know, we have a tendency to think about the rules and the culture of our country and laws. We try, we stay within the guidelines. You know, we stay between the ditches.

These bad guys, they don’t have any rules. They don’t have any guidelines. They’re not playing by our rules. So the device that you’re utilizing is usually, especially in the consumer, is the first thing that they wanna compromise. They will see your email address or your child’s email address, your 13 or 14 year old in that breach, and they will begin a massive phishing attack.

They will send thousands of emails to the parents because they’ve got their email and to the child. And the intent is please open any one of these and then you’ve got a problem. They then drop malware onto your device. And let me stop there and talk about, everybody uses antivirus. They should, if they don’t, they use antivirus.

Antivirus today, and I’m only quoting the statistics from the industry itself, is about 43% effective. And the reason for that is that they only can remove from your device something they know about. So there are these malware called zero day. Zero day means nobody knows it’s out there except the bad guy. And in a given 24 hour period, there are about 27,500 new zero day entered into, quote, this wonderful global network called the internet.

It’s hard to keep up. But your device gets compromised. They drop the zero day, the antivirus can’t pick it up. Next thing you know, your teenager or yourself as the parent, again, I’m sticking with the power school, they’re exposed, they get phished, the device is now compromised, they drop the malware. 96% of all malware that’s delivered to end devices, doesn’t matter whether it’s the CEO of American Express or your teenager, they drop this malware and it contains key loggers and spyware, which is the most dangerous component because that’s what’s utilized to further an attack and or to gain information to do even worse.

Let me stop there and I know I’ve given you quite a bit of information up to this point. Any follow up questions, Gordon, Randy, and I’m sorry if I went too long, I apologize. It’s incredible awareness information that you are providing on how this all works. Now, Gordy, I have a question for CJ. CJ, I’m gonna give you just an example.

Comparing protection methods and prevention tools

I’m in the mortgage industry, financial industry. Mortgage companies have hundreds or thousands of loan officers around the country that all have computers that are supplied to them by the company. They take a lot of financial information in every time they do an application. How can your software assist the mortgage company on the cybersecurity side, opposed to just the regular any software that they might have? Without getting technical, Randy, the mobile app that they utilize for the brokers across the US to access when they’re taking information, the initial input, there is a component of our technology, which is the endpoint lock software, which effectively is called a software development kit.

So we have the ability to work with the big mortgage company to embed the software development kit, which is the keystroke encryption into their online platform. And when you as a broker are now typing, the only keyboard you can utilize, or excuse me, when you’re on mobile, the only keyboard you can utilize to input into that platform is the endpoint lock keystroke encryption, which prevents the capture of any data. And they could deploy the endpoint lock solution directly to all the devices being used by the brokers that are entering that particular data. Now, let me give you a case in point. I know what you do for a living, right?

And we did a recent test recently. I think there was a veterans network that was providing mortgages. I can’t remember the name of the company. And most of it was, as you’re entering the information, it was more yes or no, right? Are you married?

Do you own your own home? Stuff like that, right? So there wasn’t any typing going on. It was just clicking. Until you got to what I call the million dollar exposure number, they wanted me to input my bank account number.

I stopped. Anytime we hit, when we’re doing testing, and we see somebody asking for that type of information, I will not do business with them. They are not protecting me. And by the way, when you go back and look at all the... You know, you can see the companies over the last 10 years that have been exposed and not every company lets you know they’ve been exposed.

I hate to say that. I think the SEC and the Consumer Financial Protection Bureau are going to strengthen that in the years to come, especially 25, 26. But that’s one way the SDK into their mobile app and then endpoint lock on the devices of all the brokers that are utilizing to input the information that you’re giving them or that you’re putting in online. Amazing. Yeah, I mean, I’ve asked you that question for a very specific reason, but let me ask you another question.

What’s the difference between what you do? You hear all these other companies out there, the LifeLocks, for example. What makes what you’re doing different than what they’re doing? OK, very, very good question and easy to answer. LifeLock or any of the all state AIP, any of the companies that are providing identity protection.

OK, they’re going to alert you about something that’s already happened. They’re going to let you know, oh, Randy, your Social Security number was found or your credit card number was found or your driver’s license number was found. Those are what we call after the fact, quote, it’s too late and they will help you after you have been compromised, after your information has been used to open up a mortgage, after your information has been used to open up a bank account, after your bank account has been sucked dry. Those are after the fact services. Are they valuable from the standpoint of helping you after and clean up the mess?

Probably, probably. What we do. It’s called prevention, the big word, big difference between those two piece. LifeLock or AIP, any of the identity protection companies, they’re after the fact. They’re not giving you any preventative tools to stop what I just described from happening in the first place.

So endpoint lock keystroke encryption is a preventative tool. In fact, we’ve been underwritten to provide the first only ransomware consumer program in the United States. And the reason that Chubb did that is because of the preventative nature that endpoint lock keystroke encryption provides. We’re the only ones that have that. Took us a while to be able to get through underwriting in their testing.

But once they saw the preventative nature and the value of helping a consumer, this is a consumer program, helping the consumer stop these types of things was very, very, very rewarding to us for all of the work that we’ve done over the years. The other component of this that I think you are addressing, and I’m going to talk about what they call them, VPNs, virtual private networks, right? Like Norton, right? When you’re typing, you’re inputting data from your fingertip up into whatever that text box is that’s being presented to you. And if you’re using any one of the VPNs that are out there, when you hit send, meaning whatever you’ve put into that text box, whenever you hit send or return, that will trigger the VPN to then encrypt that information and protect you as you go across the internet to wherever you’re sending it to the receiving server or company.

Now, that’s important. Your stuff’s not getting hit as it goes across the internet. They’re not capturing it. However, if you have a keylogger or spyware on your device, that encryption doesn’t begin until you hit send out of that text box. The keyloggers and spyware are capturing the strokes that you create as you type onto your mobile keyboard and onto your tablet or PC.

They’re capturing it as it’s flowing up into that text box. It’s too late. They’ve already got all the information. They don’t need to look at what’s going across the internet. So the two components are identity protection, Randy, that you described.

And again, I call that a after the fact. VPN is only doing one thing and one thing only. And again, that’s a little too late because your information has already been captured by keyloggers and spyware. So the endpoint lock keystroke software that we provide in the ransomware program. And the other thing that I would add to that is kind of a futuristic, but I’ll hold that and see if you or Gordon have any other questions based on that.

Yeah. So for our audience, we’re speaking with the president and chief operating officer of Advanced Cybersecurity with a product called Endpoint Lock. I really would like to spend a little bit of time to speak to the consumer on the product, how it works, how it helps them, and what the experience is for them with this type of encryption. Okay, so Gordon and Randy, would you like me to, if I start with the consumer program, Endpoint Lock itself. Is that what you’re asking, Gordon?

How the software works for consumers

Please. Yeah. Okay. So, and again, a consumer, that’s a big umbrella. You can put a lot of people under that.

Let’s talk about anyone who is non-business that has a device that they use to communicate to the internet. That includes then children, right? Teenagers, high school, kids that are now in college, 18, 19, 20 years old, and their immediate family, mom, dad, grandma, brothers, sisters, right? The consumer has become more of a target. And the reason is, let me give you an example.

I’m sure there are a lot of people that are listening to this that are parents. Your 16 year old comes into you and says, mom, dad, I got this notice on my phone that says my phone is locked and I need to pay a ransom. And if I don’t pay that ransom, they’re going to release all my pictures, all my text messages, all my emails. They’re going to send whatever they want under my email address out to all my friends that I’ve got on my phone. And they’ve got my social media account on TikTok and Facebook, and they’re going to put all this stuff out there.

Mom, dad. Now, I’m going to stop for a minute and ask Gordon and Randy, what would you do? I’d panic. First of all, I would definitely panic. I guess, I mean, you have no alternative at that point, right?

I mean, to pay some kind of... First of all, there’s what we call moral damage that occurs because of that, Gordon and Randy. Your child, right, who you love, and you know she or he is actually the best student and has great friends. So effectively, he or she right now is in a moral state of panic. What am I going to do?

What am I going to do? Mom and dad are thinking about this from the standpoint of what I just described. They don’t want that to happen to their child. So, you know, I think I want to... Well, how much are they asking for, right?

How much are they asking for? So you may or may not have the cash, but you’ll probably try to find it and you’ll pay it. And they’ll, quote, give you what’s called the encryption key to unlock your child’s device. Now, most parents, if it happened to me, first thing I would do is I’d take that phone and find the nearest fire pit and I’d burn it. And I have my child start all over again.

Because even though if they give you the encryption key, you don’t know if they’ve left anything else on there. The other thing you don’t know, did you communicate with your child while her device was compromised? Did you know that you were communicating with a compromised device? Maybe it’s on your phone. So what Chubb has done for us is to help to create a preventative scenario with endpoint lock, which stops that ransomware, the ability to capture your keystrokes, which are effectively allow them then to lock down your computer and gain access into your operating system from wherever you went.

But the ransomware coverage actually pays the ransom. If you have endpoint lock, and as a consumer, you or anyone in your family, in your household, could be mom that you take care of, a son in college, anyone, quote, within the household, the entire family is covered with this ransomware prevention program. One component initially being endpoint lock for every device of the family to prevent this from happening. But in the event it does, Chubb will actually pay the ransom up to $50,000. Now, the average cost, or excuse me, the average ransom demand is currently anywhere from $12,000 to $18,000.

Some lower than that, some a little bit higher than that. So why $50,000? So first of all, Chubb will actually pay the ransom on behalf of the family. They’ll pay that $12,000, whether it be Bitcoin or whatever. So if you take $50,000 and it was paid $12,000 on the ransom, you got $38,000 left.

What’s that for? Well, you want to have a forensics done on that phone to make sure that nothing else was on there. You, maybe it was you as the parent that was compromised, right, as a consumer. And so you have some issues with reputational risk, maybe at the bank, you need some legal assistance. Any of that can be utilized within that $50,000 to cover helping you get through this mess.

So that’s an example. And by the way, that is not what I would call a burning platform answer, meaning I have to decide whether to stay on this burning platform in the Gulf of Mexico and burn to death or jump in the water with the sharks, right? That’s a prisoner’s dilemma. But as a parent, now you’ve got an individual, right, even if it’s a single man, single woman, or your parents, they’re covered. They’re covered under this ransomware protection program.

Now, ransomware is rising at an extremely alarming rate. Last year, it was 100% increase, 24% per quarter in ransomware attacks targeting consumer personal devices. Let me say that again. Last year, it was 100% increase in ransomware attacks targeting consumer personal devices. You lock your doors, you lock your windows, you have cameras, you got Ring Central, you’ve got ADT alarm, you do everything to protect you when you’re inside your home.

This is exactly the same thing, but for your personal device. In fact, ADT has recently described to me that there’s more information or damage that could be done by someone having access to your personal device, whether it’s your PC you’re working from home on, or your mobile device, than there is in file cabinets in your house, much more. Okay, so we’re running out of time for the show. And before we give you a chance to just let everybody know how to get the product, where to find you or where to ask questions if they have concerns, what’s the experience for the consumer, CJ? When they put this software on their phone, is there any change in how they operate or how the device functions?

Yeah, great question, Gordon. Implementation of endpoint lock to your mobile devices, iOS, Android, Samsung phones, iPhones, Google phones, and your tablets, and your PC. In the PC, it’s a simple download. If you have ever downloaded anything to your device before, a simple app, a game, something you want to have on your device, it’s no different. One thing that’s different is that once you execute the app onto your, and I’m gonna stick with PC here for a minute, it automatically goes into your tray.

So now you’ve got keystroke encryption. So you’ll see the shield. And what that means, if you are typing, no matter where you are, it is being encrypted and preventing that number one component of zero-day malware, which the antivirus hasn’t found yet, the key logs and spyware, it’s not allowing them to capture anything that you’re typing. You could be filling out a health form. You could be putting in information to put a new transfer to a different bank account or send somebody else a wire.

All of that is now prevented from being captured. Any form, any access, everything is prevented from being captured because you’ve got endpoint lock. There’s no training. There’s no education. You don’t need to interface with it.

It’s on your device. If you’re typing, you are now encrypting everything you’re typing. In the mobile space, if you’ve ever downloaded an app from the app store, whether it be Google Play or iOS App Store. Simple download, you effectively execute, and what we deliver to you is no different than what’s called an emoji keyboard. You’re going to activate the endpoint lock soft keyboard.

And if you are on iOS, when you open up a text box, you’re going to be in the native keyboard, the iOS keyboard. You touch the globe at the bottom left of that keyboard, and immediately up comes the encrypted keyboard. Everything you are now typing on your mobile device, exactly as I described in the PC, every text box, every place you go, every email you send, every form you fill out on the mobile, everything is encrypted, works the same way with Google Play, so if you need to go back to the native keyboard, you can touch the globe again, in the iOS, there’s a icon on the keyboard that looks like a keyboard. You touch it from the native Android keyboard, and up will come the soft keyboard, you touch it again, and you can go back, and one of the other features of the mobile, if for no reason, I don’t see why anybody wouldn’t want to prevent the capture of their keystrokes, but another feature that we added into the mobile is that you have the ability, in real time, 24 hours a day, seven days a week, you’re going to have the shield, the endpoint lock shield, on your home screen. If you touch that shield, immediately that will pop up as a screen, and you’ll have the ability to input your email address, or your children, or your mom, or your son in college, or anybody else you interface with, but primarily, you can see if that email address has been compromised, our multi-billion, billion, billion database of exposed email addresses is there, and we will tell you, Gordon, from your mobile device, immediately, yes, you’ve had three breaches, and you’ve already had one here in January of 2025, here’s what the breach was, and here’s what was exposed, and here’s what you need to do, so it’s a real-time tool to be utilized by your children, by your teenagers, kids in college, married children, you and everybody in your family, to keep current is to see if you have been exposed, and usually, the quick answer is to immediately change your password on the email that was compromised, but do not use your native keyboard, use your endpoint lock encrypted keyboard, so they can’t capture the new password you’re putting in.

Wow, that makes total sense. Again, this is very eye-opening for me, and I’m so grateful to have you on as a guest tonight, I would love to, obviously, headlines come, just like the Power School one just came, about these breaches, and I would hope and pray that we can have you on it at some frequency, to just continue to build the awareness here about how important it is to put some effort and to have a product like the one you offer for endpoint lock, to do, at minimum, the best that you can to protect your information. I mean, again, we’re not, even with AI now, I mean, there’s so much happening in the electronic space that consumers, there’s no way they can keep up with everything, but to provide just the valuable information that you’ve given us today, this is all about financial wellness, and you want to get yourself in a problem, you’ve brought up how much it could cost if data gets breached, or if ransomware locks out all your information, or plans on doing something evil, like spreading photos and communications with friends and family members, I mean, that’s just mind-blowing in a second, how quickly that could change somebody’s life, and I would gather there are some times where people can’t afford to pay that kind of money, and it causes all kinds of problems, and I would even think on the mental health side of things, just that experience alone of knowing that someone has that control over your information is just frightening. Well, Gordon, it’s always a pleasure, and I’d be proud to come back when you and Randy think it might be appropriate, and I’ll end with one thing, you’ve hit the future, there’s going to be new technologies every day, something new in the area of software or programs, it’s going to be adopted, but the bad news is it’s going to be adopted by both the good guys and the bad guys in the months and years to come, and AI and the new chips coming from NVIDIA and Google, the new Willow chip, they’re going to be faster and more intelligent and harder to stop, so you have to be very diligent. Having a guest like you is helping us do our best due diligence to provide information to consumers, and before we let you go, how can people get or look into the endpoint lock security?

Wrapping up the cybersecurity conversation

Well, the good news is you and Randy are effectively providers of our software, and I would highly recommend that everyone go straight to you. We don’t do this retail, we only work through strategic relationships, and you and Randy are clearly that, through PERC plans, so that would be my current answer, Gordon. Awesome, and I’ll put that link, I’ll put all of that information in the description of the show to make sure that people can just click on the link if they want to go and purchase the software, but I cannot thank you enough, CJ, this is eye-opening for me, and we’re in the, again, education business on the credit side, and we provide this information on what people can do when there is a breach, but we don’t really have an answer for all the things that people can do with a product like Endpoint Lock to do everything that they can to protect that information, so thank you so much for joining us today. The episode will be up in a couple of days, I’ll make sure you get it so you can distribute it out to the people that you think would gain by listening to our conversation today, and if you have anybody in the business that you’re in that you feel could be a valuable guest for us, we invite our guests to send people to us that we would love to interview, because again, the value of this episode alone, just leaving it today, I am so grateful for this conversation today, because for any one person that listens to the episode, it’s going to probably help 10 to 20, because they’re going to be like, oh my gosh, I really wasn’t paying too much attention to this, and I really need to do this to protect my information, so I can’t thank you enough for joining us today, and again, if there’s any experts in the industry that you feel could be on this show to help the consumers, please let us know. All right, Gordon, thank you.

Randy, thank you as well. CJ, it’s always a pleasure. Thanks, Randy. Thanks, Gordon. Thank you.

Randy, man, this is why you and I put the show together. What incredible information, both frightening and enlightening, of what people need to pay attention. You know, if they want the overall scope of being financially well, one of the most important things that you need to do is protect your information, I mean, come on. Yeah, Gordy, I always thought about this, you know, I always thought about this analogy. I’m a big proponent in preventative health.

Eat right, exercise, go to your chiropractor or a physical therapist, you know, get plenty of sunshine. The same analogy can reflect back to your computers and your cell phones, preventative health, preventative technology, you know, make sure it’s all safe because the last thing you want to happen is to get hacked and the next thing you know, somebody’s stealing your information. So, you know, I’ve known CJ now for a couple of years and, you know, it’s a pleasure just to have them be part of the PERC plans platform. com. For the consumers that are already members of PERC plans, Endpoint Lock is part of the platform and you can purchase it right through the PERC plans platform itself.

Absolutely, and for the consumers that want to learn more information about protecting their information or what to do when there’s a credit breach, we, one of the things that we do at Cambridge Credit Counseling is have an entire education platform and I’m going to share this information with our director of education to add this information in because again, reputation, you know, you don’t want to damage your reputation just because you didn’t do some work about protecting your information and on the financial side, the cost to defend your reputation, the cost that CJ brought up that it could cost you if someone is stealing your information and wants to make you pay for it or even just to get an attorney, right? The insurance that’s provided as part of the product is incredible. I don’t think I’ve ever heard of such a thing. org. Feel free to email me and if I don’t have any information to provide for you, I’ll pass you on to Randy or to CJ to get more information about the industry and about your case.

Randy, next week, very excited for our guest next week. We’re going to have Home Approach, the company that’s going to come onto our show and talk about the mortgage business on the education side, right? Yep. And I’m excited to work with Home Approach. They’ve been one of my partners now for a while right now since they started and I’m looking forward to jumping on a call with them next week.

Next week preview and disclaimer

Me too, man. I’ve talked to Josh a couple of times recently and just excited for the work that we’re doing together. Again, just to educate consumers. So until next week, this is Gordon Oliver, your host with Financial Wellness Today with my co-pilot, Randy Nemiroff. We’ll see you next week.

See you later, Gordon. The information provided in this podcast, Financial Wellness Today, is for informational and educational purposes only and does not constitute financial investment or legal advice. We are not licensed financial advisors and the content shared on this podcast should not be considered personalized advice or a recommendation to purchase, sell, or invest in any financial product or service. Listeners are encouraged to consult with a qualified financial advisor, accountant, or legal professional before making decisions based on the information provided. All investments in financial products involve risks, including loss of principle.

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