<!DOCTYPE html>
<html lang="en">
    <head>
        <meta charset="UTF-8">


    <title>Hurricane Harvey: How financial planners can prepare their firms for natural disaster  | Financial Planning</title>



    <link rel="canonical" href="https://www.financial-planning.com/opinion/hurricane-harvey-prepare-your-firm-for-natural-disaster">



    <meta name="description" content="Disaster survival tips from Texas-based advisor Rick Woolfolk, who is also a Civil Air Patrol representative for the U.S. Air Force." />



    <meta name="keywords" content="Disaster recovery, Disaster planning, Crisis management, Business continuity, RIAs, Practice management, Raymond James Financial" />
    <meta name="news_keywords" content="Disaster recovery, Disaster planning, Crisis management, Business continuity, RIAs, Practice management, Raymond James Financial" />



    <meta  http-equiv="X-UA-Compatible" content="IE=edge" />


    <meta  name="viewport" content="width=device-width, initial-scale=1" />


    <meta  property="og:site_name" content="Financial Planning" />


    <meta  property="fb:app_id" content="948048028649511" />


    <meta  property="og:title" content="Hurricane Harvey: Prepare your firm for natural disaster" />


    <meta  property="og:description" content="Disaster survival tips from Texas-based advisor Rick Woolfolk, who is also a Civil Air Patrol representative for the U.S. Air Force." />


    <meta  name="twitter:card" content="summary_large_image" />


    <meta  name="twitter:site" content="@finplan" />


    <meta  name="twitter:title" content="Hurricane Harvey: Prepare your firm for natural disaster" />


    <meta  property="twitter:description" content="Disaster survival tips from Texas-based advisor Rick Woolfolk, who is also a Civil Air Patrol representative for the U.S. Air Force." />


    <meta  property="twitter:image" content="https://assets.sourcemedia.com/dims4/default/b3ba851/2147483647/thumbnail/560x300%3E/quality/90/?url=https%3A%2F%2Fassets.sourcemedia.com%2F91%2F55%2F031dfa754c3da1e4f5870c98e535%2Fhurricane-harvey-bloomberg.jpg" />


    <meta  name="storyId" content="0000015e-1949-d3f8-a77f-dd5935cc0000" />


    <meta  name="sailthru.title" content="Hurricane Harvey: Prepare your firm for natural disaster" />


    <meta  name="sailthru.description" content="Disaster survival tips from Texas-based advisor Rick Woolfolk, who is also a Civil Air Patrol representative for the U.S. Air Force." />


    <meta  name="sailthru.image.full" content="https://assets.sourcemedia.com/91/55/031dfa754c3da1e4f5870c98e535/hurricane-harvey-bloomberg.jpg" />


    <meta  name="sailthru.image.thumb" content="https://assets.sourcemedia.com/dims4/default/21ee525/2147483647/thumbnail/600x395%3E/quality/90/?url=https%3A%2F%2Fassets.sourcemedia.com%2F91%2F55%2F031dfa754c3da1e4f5870c98e535%2Fhurricane-harvey-bloomberg.jpg" />


    <meta  name="sailthru.author" content="Rick Woolfolk" />


    <meta  name="displaytag" content="Disaster recovery" />


    <meta  name="sailthru.tags" content="Business administration, Strategic planning, Disaster planning, Disaster recovery, Crisis management, Business continuity, Economy, Professions, RIAs, Practice management, Raymond James Financial, sailthru-no-lead" />


    <meta  name="featured" content="0" />


    <meta  name="sailthru.date" content="2017-08-25T08:19:30.72-04:00" />


    <meta  name="sailthru.expire_date" content="2017-09-25T08:19:30.72-04:00" />


    <meta  name="contentprefix" content="Voices" />


    <meta  property="og:type" content="article" />


    <meta  property="og:image" content="https://assets.sourcemedia.com/dims4/default/82348e7/2147483647/thumbnail/1200x630%3E/quality/90/?url=https%3A%2F%2Fassets.sourcemedia.com%2F91%2F55%2F031dfa754c3da1e4f5870c98e535%2Fhurricane-harvey-bloomberg.jpg" />


    <meta  property="og:url" content="https://www.financial-planning.com/opinion/hurricane-harvey-prepare-your-firm-for-natural-disaster" />


    <meta  name="lytics:topics" content="SM: Disaster planning, SM: Professions, SM: Strategic planning, SM: Practice management, SM: Business administration, SM: Disaster recovery, SM: RIAs, SM: Raymond James Financial, SM: Crisis management, SM: Business continuity, SM: Economy" />


    <meta  name="gptAdUnitPath" content="/16059533/FinancialPlanning/Opinion" />


    <meta  name="sponsored" content="0" />




    <link  rel="shortcut icon" href="https://assets.sourcemedia.com/5c/54/6c5ae1fd420bab100bb00e35da98/fp-favicon.png" />


    <link  rel="apple-touch-icon" href="https://assets.sourcemedia.com/f6/20/5f5b24714306a0d3369c7fd7ef1b/fp-apple-touch-icon.png" />




    
    <link  rel="stylesheet" type="text/css" href="https://assets.sourcemedia.com/resource/assets/styles/site-fp.min.4a2f6fc8da6ee01d0f90e2a1f80ef54c.gz.css" />



    
    <style  type="text/css">
/* Global Extra CSS */
.action-bar .action .icon{ color:#fff!important; }
.OpinionModule .author-bio .author-image{ display:inline-block;}

@media only screen and (max-width: 969px) and (min-width: 768px) {
    .brief.num-items-5 .more-features>.list>li {
        min-height: 390px;
    }
    .brief:not(.brief-skinny) .more-features ol.list li {
        min-height: initial;
    }
}

@media only screen and (max-width: 1199px) and (min-width: 970px) {
	.brief.num-items-5 .more-features>.list>li {
		min-height: 435px;
	}
    .brief:not(.brief-skinny) .more-features ol.list li {
        min-height: initial;
    }
}

@media only screen and (max-width: 1399px) and (min-width: 1200px) {
	.brief.num-items-5 .more-features>.list>li {
		min-height: 460px;
	}
	.brief.num-items-5 .more-features>.list>li:nth-last-child(4) {
		min-height:	275px;
	}
    .brief:not(.brief-skinny) .more-features ol.list li {
        min-height: initial;
    }

}

@media only screen and (min-width: 1400px) {
	.brief.num-items-5 .more-features>.list>li:nth-child(n) {
	       min-height: 490px;
    }
    .brief:not(.brief-skinny) .more-features ol.list li {
        min-height: initial;
    }
}
img[src*=newspics] {
    margin-right: 20px;
}</style>





    <script  type="text/javascript" src="https://assets.sourcemedia.com/resource/assets/scripts/main.min.38158e5a268c966e88899344476f2f61.gz.js"></script>


    <script  type="text/javascript">
/* -- Sailthru Horizon --*/
(function() {
        function loadHorizon() {
            var s = document.createElement('script');
            s.type = 'text/javascript';
            s.async = true;
            s.src = location.protocol + '//ak.sail-horizon.com/horizon/v1.js';
            var x = document.getElementsByTagName('script')[0];
            x.parentNode.insertBefore(s, x);
        }
        loadHorizon();
        var oldOnLoad = window.onload;
        window.onload = function() {
            if (typeof oldOnLoad === 'function') {
                oldOnLoad();
            }
            Sailthru.setup({
                domain: 'horizon.email.financial-planning.com',
                useStoredTags: false
            });
        };
    })();</script>


    <script  type="text/javascript">!function(l,a){a.liosetup=a.liosetup||{},a.liosetup.callback=a.liosetup.callback||[],a.liosetup.addCallback=function(l){if("function"==typeof a.liosetup.callback){var o=[];o.push(a.liosetup.callback),a.liosetup.callback=o}a.lio&&a.lio.loaded?l(a.lio.data):a.liosetup.callback.push(l)}}(document,window);
!function(o,g){g.googletag=g.googletag||{},g.googletag.cmd=g.googletag.cmd||[],"undefined"!=typeof g.googletag?g.googletag.cmd.push(function(){g.googletag.pubads().disableInitialLoad()}):console.warn("attempting to load Lytics for DFP before initializing googletag"),g.liosetup.callback.push(function(o){o||o.segments?g.googletag.cmd.push(function(){g.googletag.pubads().setTargeting("LyticsSegments",o.segments),g.googletag.pubads().refresh()}):(console.warn("unable to load Lytics audiences for DFP"),g.googletag.pubads().refresh())})}(document,window);</script>


    <script  type="text/javascript">window.jstag = function() {
        function t(t) {
            return function() {
                return t.apply(this, arguments), this
            }
        }

        function n() {
            var n = ["ready"].concat(c.call(arguments));
            return t(function() {
                n.push(c.call(arguments)), this._q.push(n)
            })
        }
        var i = {
                _q: [],
                _c: {},
                ts: (new Date).getTime(),
                ver: "2.0.0"
            },
            c = Array.prototype.slice;
        return i.init = function(t) {
            return i._c = t, t.synchronous || i.loadtagmgr(t), this
        }, i.loadtagmgr = function(t) {
            var n = document.createElement("script");
            n.type = "text/javascript", n.async = !0, n.src = t.url + "/api/tag/" + t.cid + "/lio.js";
            var i = document.getElementsByTagName("script")[0];
            i.parentNode.insertBefore(n, i)
        }, i.ready = n(), i.send = n("send"), i.mock = n("mock"), i.identify = n("identify"), i.pageView = n("pageView"), i.bind = t(function(t) {
            i._q.push([t, c.call(arguments, 1)])
        }), i.block = t(function() {
            i._c.blockload = !0
        }), i.unblock = t(function() {
            i._c.blockload = !1
        }), i
    }(), window.jstag.init({
        cid: "103fde727a1ea242164d0420f5e2bcdf",
        url: "//c.lytics.io",
        min: true,
        loadid: true
    });</script>


    <script  type="text/javascript">jstag.send({"content":"OpinionArticle","tags":["Business administration","Strategic planning","Disaster planning","Disaster recovery","Crisis management","Business continuity","Economy","Professions","RIAs","Practice management","Raymond James Financial"]});</script>


    <script  type="text/javascript">(function() {
var useSSL = 'https:' == document.location.protocol;
var src = (useSSL ? 'https:' : 'http:') + '//www.googletagservices.com/tag/js/gpt.js';
document.write('<scr' + 'ipt src="' + src + '"></scr' + 'ipt>');
})();
</script>


    <script  type="text/javascript">
if (typeof googletag !== 'undefined') {
var SM = SM || {}; 
SM.REFRESHABLE = SM.REFRESHABLE || [];
    var slot_collapsed_header1 = googletag.defineSlot('/16059533/FinancialPlanning/Opinion', [[728,90],[970,91],[970,90],[970,250]], 'gpt-ad-collapsed_header1')
        .addService(googletag.pubads())
        .setTargeting('pos', 'collapsed_header1')
    var slot_bigbox1 = googletag.defineSlot('/16059533/FinancialPlanning/Opinion', [[300,250],[300,600],[300,1050]], 'gpt-ad-bigbox1')
        .addService(googletag.pubads())
        .setTargeting('pos', 'bigbox1')
        SM.REFRESHABLE.push({slot: slot_bigbox1, id: 'gpt-ad-bigbox1', revision: 0, adUnit: '/16059533/FinancialPlanning/Opinion', sizes: JSON.parse('[[300,250],[300,600],[300,1050]]') , pos: 'bigbox1', PID: 'null' });
    var slot_bigbox2 = googletag.defineSlot('/16059533/FinancialPlanning/Opinion', [[300,250],[300,600]], 'gpt-ad-bigbox2')
        .addService(googletag.pubads())
        .setTargeting('pos', 'bigbox2')
        SM.REFRESHABLE.push({slot: slot_bigbox2, id: 'gpt-ad-bigbox2', revision: 0, adUnit: '/16059533/FinancialPlanning/Opinion', sizes: JSON.parse('[[300,250],[300,600]]') , pos: 'bigbox2', PID: 'null' });
    googletag.pubads().setTargeting('topics', ["business-administration","strategic-planning","disaster-planning","disaster-recovery","crisis-management","business-continuity","economy","professions","rias","practice-management","raymond-james-financial"]);
    googletag.pubads().setTargeting('storyID', '0000015e-1949-d3f8-a77f-dd5935cc0000');
    googletag.pubads().setTargeting('organization', '["raymond-james-financial"]');
    googletag.pubads().enableAsyncRendering();
    googletag.enableServices();
    googletag.pubads().updateCorrelator();
}
</script>


    <script  type="text/javascript">(function(i,s,o,g,r,a,m){i['GoogleAnalyticsObject']=r;i[r]=i[r]||function(){
(i[r].q=i[r].q||[]).push(arguments)},i[r].l=1*new Date();a=s.createElement(o),
m=s.getElementsByTagName(o)[0];a.async=1;a.src=g;m.parentNode.insertBefore(a,m)
})(window,document,'script','//www.google-analytics.com/analytics.js','ga');
ga('create', 'UA-219761-22', 'auto', {'allowLinker': true});
ga('require', 'linker');
ga('linker:autoLink', ['events.sourcemediaconferences.com'])</script>


    <script  type="text/javascript">var SM = SM || {};
SM.DIMENSIONS = SM.DIMENSIONS || {};SM.DIMENSIONS["Hurricane Harvey: Prepare your firm for natural disaster | Financial Planning"] = SM.DIMENSIONS["Hurricane Harvey: Prepare your firm for natural disaster | Financial Planning"] || {};
SM.DIMENSIONS["Hurricane Harvey: Prepare your firm for natural disaster | Financial Planning"]['dimension1'] = "Rick Woolfolk";
SM.DIMENSIONS["Hurricane Harvey: Prepare your firm for natural disaster | Financial Planning"]['dimension3'] = "non-registered-user";
SM.DIMENSIONS["Hurricane Harvey: Prepare your firm for natural disaster | Financial Planning"]['dimension5'] = "FreeWithReg";
SM.DIMENSIONS["Hurricane Harvey: Prepare your firm for natural disaster | Financial Planning"]['dimension8'] = "1";
SM.DIMENSIONS["Hurricane Harvey: Prepare your firm for natural disaster | Financial Planning"]['dimension9'] = "20170825";
SM.DIMENSIONS["Hurricane Harvey: Prepare your firm for natural disaster | Financial Planning"]['dimension10'] = "Business administration::Strategic planning::Disaster planning::Disaster recovery,Business administration::Strategic planning::Disaster planning,Business administration::Strategic planning::Disaster planning::Crisis management,Business administration::Strategic planning::Business continuity,Economy::Professions::RIAs,Practice management,Raymond James Financial";
SM.DIMENSIONS["Hurricane Harvey: Prepare your firm for natural disaster | Financial Planning"]['dimension14'] = "652";
SM.DIMENSIONS["Hurricane Harvey: Prepare your firm for natural disaster | Financial Planning"]['dimension15'] = "OpinionArticle";
SM.DIMENSIONS["Hurricane Harvey: Prepare your firm for natural disaster | Financial Planning"]['dimension17'] = "Disaster recovery, Disaster planning, Crisis management, Business continuity, RIAs, Practice management, Raymond James Financial";
SM.DIMENSIONS["Hurricane Harvey: Prepare your firm for natural disaster | Financial Planning"]['dimension20'] = "Landing/Clicked";

//COMMENT: Old code below com.sourcemedia.view.pages.AbstractPageViewCreator$1 for comparison -- when save it will be removed..

var dimension1 = "Rick Woolfolk";

var dimension3 = "non-registered-user";

var dimension5 = "FreeWithReg";

var dimension8 = "1";

var dimension9 = "20170825";

var dimension10 = "Business administration::Strategic planning::Disaster planning::Disaster recovery,Business administration::Strategic planning::Disaster planning,Business administration::Strategic planning::Disaster planning::Crisis management,Business administration::Strategic planning::Business continuity,Economy::Professions::RIAs,Practice management,Raymond James Financial";

var dimension14 = "652";

var dimension15 = "OpinionArticle";

var dimension17 = "Disaster recovery, Disaster planning, Crisis management, Business continuity, RIAs, Practice management, Raymond James Financial";

var dimension20 = "Landing/Clicked";
</script>


    <script  type="text/javascript" src="//dc8xl0ndzn2cb.cloudfront.net/js/financial-planning/v0/keywee.min.js"></script>


    <script  type="text/javascript">
/* Site Extra JS */
function GetIEVersion() {
    var sAgent = window.navigator.userAgent;
    var Idx = sAgent.indexOf("MSIE");
    if (Idx > 0)
        return parseInt(sAgent.substring(Idx+ 5, sAgent.indexOf(".", Idx)));
    else if (!!navigator.userAgent.match(/Trident\/7\./)) 
        return 11;
    else
        return 0;
}
function setIEBanner() {
    $( document ).ready(function() {
        if (GetIEVersion() < 11 && GetIEVersion() !== 0) {
            $('<div style="width:80%;text-align:center;font-weight:bold;font-size:1.4em;margin: 20px auto;padding:">Financial Planning now only supports Internet Explorer 11 and above. <br/>Please upgrade your browser.<br/> Learn more: <a style="white-space:nowrap;" href="https://www.microsoft.com/en-us/WindowsForBusiness/End-of-IE-support">https://www.microsoft.com/en-us/WindowsForBusiness/End-of-IE-support</a></div>').insertBefore('.site-header-wrapper');
        }
    });
}
if (GetIEVersion() <= 8 && GetIEVersion() !== 0) {
    var script = document.createElement('script');
    script.setAttribute("src", "https://ajax.googleapis.com/ajax/libs/jquery/1.12.2/jquery.min.js");
    script.setAttribute("type", "text/javascript");
    (document.getElementsByTagName("head")[0] || document.documentElement).appendChild(script);
}
window.setTimeout(setIEBanner, 3000);

   (function() {
       var d=document,h=d.getElementsByTagName('head')[0],s=d.createElement('script'),sc = 'https:' == document.location.protocol ? 'https://' : 'http://';
   s.type='text/javascript';
   s.async=true;
   s.src=sc+'s.dpmsrv.com/dpm_c415505dca69be631ca5d391b3ccd2b44b52d017.min.js';
   h.appendChild(s);
   })();

// BEGIN LuckyOrange
window.__wtw_lucky_site_id = 80020;

(function () {
var wa = document.createElement('script'); wa.type = 'text/javascript'; wa.async = true;
wa.src = 'https://d10lpsik1i8c69.cloudfront.net/w.js';
var s = document.getElementsByTagName('script')[0]; s.parentNode.insertBefore(wa, s);
})();
// END LuckyOrange
    
    
//START Facebook tracking pixel
!function(f,b,e,v,n,t,s)
{if(f.fbq)return;n=f.fbq=function()
{n.callMethod? n.callMethod.apply(n,arguments):n.queue.push(arguments)}
;
if(!f._fbq)f._fbq=n;n.push=n;n.loaded=!0;n.version='2.0';
n.queue=[];t=b.createElement(e);t.async=!0;
t.src=v;s=b.getElementsByTagName(e)[0];
s.parentNode.insertBefore(t,s)}(window,document,'script',
'https://connect.facebook.net/en_US/fbevents.js');
fbq('init', '214701145594589');
fbq('track', 'PageView');
fbq('track', 'ViewContent');
//END Facebook tracking pixel

// BEGIN Marketo Munchkin
(function() {
  var didInit = false;
  function initMunchkin() {
    if(didInit === false) {
      didInit = true;
      Munchkin.init('555-ETU-514', {"wsInfo":"j1RQ"});
    }
  }
  var s = document.createElement('script');
  s.type = 'text/javascript';
  s.async = true;
  s.src = '//munchkin.marketo.net/munchkin.js';
  s.onreadystatechange = function() {
    if (this.readyState == 'complete' || this.readyState == 'loaded') {
      initMunchkin();
    }
  };
  s.onload = initMunchkin;
  document.getElementsByTagName('head')[0].appendChild(s);
})();
// END Marketo Munchkin
</script>


    <script  type="text/javascript" src="//vid1037.d41.co/sync/" async="true" deferred></script>


    <script  type="text/javascript" src="//cdn-0.d41.co/tags/dnb_coretag_v3.min.js"></script>


    <script  type="text/javascript">dnbvid.getData("vid1037", "json", "T", function(dnb_Data) {
jstag.send({'DnB DUNS Number':dnb_Data.duns,'DnB Company Name':dnb_Data.companyName,'DnB Company Address City':dnb_Data.companyCity,'DnB Company Address State':dnb_Data.companyState,'DnB Company Address Zip 5':dnb_Data.companyZip5,'DnB Company Address County':dnb_Data.companyCounty,'DnB Company MSA':dnb_Data.companyMsa,'DnB Company Region':dnb_Data.companyRegion,'DnB Company Address Country':dnb_Data.companyCountry,'DnB Fortune 1000':dnb_Data.fortune1000,'DnB Industry NAICS Description':dnb_Data.industryNaics,'DnB Industry SIC Description':dnb_Data.industrySic,'DnB Sales Number':dnb_Data.salesAnnualNum,'DnB Employees Across Locations Number':dnb_Data.employeesInAllLocationsNum,'DnB IT Expense Percentage':dnb_Data.itExpense,'DnB Vanity Title':dnb_Data.vanityTitle,'DnB Job Function':dnb_Data.jobFunction,'DnB Job Seniority':dnb_Data.jobSeniority});
});
</script>


    <script  type="text/javascript">$( document ).ready(function() {
    $('body').attr('data-bv-key','900204d1-a678-49e1-ab36-b73fac3d212d');
});</script>


    <script  type="text/javascript">$( document ).ready(function() {
    $('body').attr('data-reCaptcha-sitekey','6LcbChQUAAAAAKykGDXc9ZAHJgatnWBYUbLwr-lk');
});</script>


    <script  type="application/ld+json">{
  "@context": "http://schema.org",
  "@type": "Organization ",
  "name": "Financial Planning"
,
  "url": "https://www.financial-planning.com/"
,
  "logo": "https://assets.sourcemedia.com/6c/d4/1cf9b89e4ac09f416a48c6d6626d/fp2016-logo-color-338x40.png"
,
  "sameAs": ["https://www.facebook.com/FinancialPlanningMagazine", "https://twitter.com/finplan", "https://www.linkedin.com/groups/4033830/profile", "https://plus.google.com/+Financialplanning1/posts"]
,
  "contactPoint": [{
  "@type": "ContactPoint",
  "telephone": "+1-212-803-8500",
  "contactType": "customer service"
}]}</script>


    <script  type="application/ld+json">{"creator":["Rick Woolfolk"],"dateCreated":"2017-08-25T12:19:30.720Z","keywords":["disaster recovery","disaster planning","crisis management","business continuity","rias","practice management","raymond james financial"],"@type":"NewsArticle","@context":"http://schema.org","articleSection":"OpinionArticle","headline":"Hurricane Harvey: Prepare your firm for natural disaster","url":"https://www.financial-planning.com/opinion/hurricane-harvey-prepare-your-firm-for-natural-disaster","thumbnailUrl":"https://assets.sourcemedia.com/dims4/default/896e576/2147483647/thumbnail/600x450%3E/quality/90/?url=https%3A%2F%2Fassets.sourcemedia.com%2F91%2F55%2F031dfa754c3da1e4f5870c98e535%2Fhurricane-harvey-bloomberg.jpg"}</script>


    <script  type="application/ld+json">{
  "@context": "http://schema.org",
  "@type": "NewsArticle",
  "mainEntityOfPage": {
    "@type": "WebPage",
    "@id": "https://www.financial-planning.com"
  },
  "headline": "Hurricane Harvey: Prepare your firm for natural disaster",
  "image": [
    "https://assets.sourcemedia.com/dims4/default/211186c/2147483647/thumbnail/600x338%3E/quality/90/?url=https%3A%2F%2Fassets.sourcemedia.com%2F91%2F55%2F031dfa754c3da1e4f5870c98e535%2Fhurricane-harvey-bloomberg.jpg",
    "https://assets.sourcemedia.com/dims4/default/896e576/2147483647/thumbnail/600x450%3E/quality/90/?url=https%3A%2F%2Fassets.sourcemedia.com%2F91%2F55%2F031dfa754c3da1e4f5870c98e535%2Fhurricane-harvey-bloomberg.jpg"
   ],
  "datePublished": "2017-08-25T08:19:30.720-0400",
  "dateModified": "2017-08-30T10:36:34.445-0400",
  "author": [{"@type":"Person","name":"Rick Woolfolk"}]
  ,
   "publisher": {
    "@type": "Organization",
    "name": "Financial Planning",
    "logo": {
      "@type": "ImageObject",
      "url": "https://assets.sourcemedia.com/6c/d4/1cf9b89e4ac09f416a48c6d6626d/fp2016-logo-color-338x40.png"
    }
  },
  "description": "Disaster survival tips from Texas-based advisor Rick Woolfolk, who is also a Civil Air Patrol representative for the U.S. Air Force."
}</script>


    <script  type="text/javascript" src="//a.teads.tv/page/70919/tag" async="true" class="teads"></script>



        <script> dataLayer = [{'pageCategory': 'Statistics','visitorType': 'high-value'}]; </script>
        <!-- Google Tag Manager -->
<script>(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start':
new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0],
j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src=
'https://www.googletagmanager.com/gtm.js?id='+i+dl+ '&gtm_auth=me3X7LNg-JdDxmGhCRMPNw&gtm_preview=env-18&gtm_cookies_win=x';f.parentNode.insertBefore(j,f);
})(window,document,'script','dataLayer','GTM-NZ7MV3Z');</script>
<!-- End Google Tag Manager -->
    </head>
    <body class="fp">

        <!-- Google Tag Manager (noscript) -->
<noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-NZ7MV3Z&gtm_auth=me3X7LNg-JdDxmGhCRMPNw&gtm_preview=env-18&gtm_cookies_win=x"
height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript>
<!-- End Google Tag Manager (noscript) -->
        
            <div class="floating-sheet sm-welcome-ad "
    data-sm-floating-sheet
    data-sm-floating-sheet-options='{"preloaded":true}'>
    <div class="floating-sheet-header">
        <div class="floating-sheet-title">
            <a  href="/" data-cms-ai="0">
<img  alt="Financial Planning" src="https://assets.sourcemedia.com/44/26/66a30f9d45d6b5e609060b947923/fp-2016-web-copy.png" />

    

</a>
        </div>
        <div class="floating-sheet-button--alt"
             data-sm-welcome-ad
             data-countdown="4"
             data-auto-close="10"
             data-expiry="300000">
            <span class="text">Continue in <span class="duration">4</span> seconds</span>
            
        </div>
    </div>

    <div class="floating-sheet-content">
        <!-- _deferred-display-ad.hbs -->
<div

    
    class="sm-advertisement "
    data-sm-google-ad
    data-sm-google-ad-options='{
        "id":"gpt-ad-welcomead",
        "position":"welcomead",
        "sizes":"[[640,480]]",
        "adUnitPath":"",
        "keywords":"",
        "person":"",
        "organization":"",
        "event":"",
        "location":"",
        "program":"",
        "contentId":"",
        "deferRendering":true
        , "suppressAddSlot":true
    }'>
</div>

    </div>
</div>
<script>
window.welcomeAd.init($('.floating-sheet-button--alt'));
</script>

        

        

        
    
    


    <div class="site-header-wrapper-spacer">
        <div class="site-header-wrapper"
             data-sm-site-header
            data-sm-site-header-options='{"dropdownLabel":"All Sections"}'
            >
            
            
                <div class="site-header-ad-wrapper">
                    <div class="ad"><!--sm-display-ad.hbs-->
<div id="gpt-ad-collapsed_header1"  data-sm-google-ad-options='{
        "id":"",
        "position":"collapsed_header1",
        "sizes":"",
        "adUnitPath":"",
        "keywords":"",
        "person":"",
        "organization":"",
        "event":"",
        "location":"",
        "program":"",
        "contentId":"",
        "deferRendering":
    
    }'>
</div>
</div>
                </div>
            

            <div class="site-header-tophat">
                <div class="tophat-registration-wrapper sm-two-col-flex">
                    <div class="sm-col-left">
                        <span class="tophat-cta-text tophat-cta-text--long">The network for financial advisors</span>

                        <span class="tophat-cta-text tophat-cta-text--short">The network for financial advisors</span>

                    </div>

                    
                        <div class="sm-col-right">
                            
    
        <a  href="#" title="Login" data-sm-header-login-button data-sm-subscription-modal data-sm-subscription-modal-url="https://www.financial-planning.com/auth/login?_viewType=module" data-cms-ai="0">Login</a>
    




    <a  href="#" title="Register" data-sm-subscription-modal data-sm-subscription-modal-url="https://www.financial-planning.com/auth/registration-subscription?step=ac&amp;branch=true" data-cms-ai="0">Register</a>


                        </div>
                    
                </div>
            </div>
            <div class="site-header">
                <div class="site-header-btn site-header-btn--menu" data-action-state="open">
                    <i class="icon"></i>
                </div>

                
                    <div class="site-header-logo">
                        <a  href="/" data-cms-ai="0">
<img  src="https://assets.sourcemedia.com/44/26/66a30f9d45d6b5e609060b947923/fp-2016-web-copy.png" alt="Financial Planning" />

    

</a>
                    </div>
                

                <div class="site-header-nav site-header-nav--noflex">
                    <!-- reversed order to handle flex-box scenario where there is NO primary -->
                    
                        
<ul class="list header-nav-list header-nav-list--secondary">
	
		<li><a  href="//www.financial-planning.com/resources" data-cms-ai="0">Resources</a></li>
	
		<li><a  href="//www.financial-planning.com/events" data-cms-ai="0">Events</a></li>
	
</ul>

                    
                    
                    
                        
<ul class="list header-nav-list header-nav-list--primary">
	
		<li><a  href="http://promo.sourcemedia.com/financial-planning/techsurvey/" target="_blank" data-cms-ai="0">Tech Survey</a></li>
	
		<li><a  href="/financial-practice-management" data-cms-ai="0">Practice</a></li>
	
		<li><a  href="/financial-portfolio-management" data-cms-ai="0">Portfolio</a></li>
	
		<li><a  href="/financial-industry" data-cms-ai="0">Industry</a></li>
	
		<li><a  href="/financial-planning-and-analysis" data-cms-ai="0">Voices</a></li>
	
</ul>

                    
                </div>

                
                    <div class="site-header-btn site-header-btn--search"
    data-sm-content-teaser
    data-sm-content-teaser-options='{
        "title":"&lt;img src&#x3D;&#x27;https://assets.sourcemedia.com/44/26/66a30f9d45d6b5e609060b947923/fp-2016-web-copy.png&#x27; /&gt;",
        "target":"_dom",
        "contentUrl":"//www.financial-planning.com/search?_viewType&#x3D;searchInput"
    }'>
    <i class="icon-search"></i>
    <span class="label">Search</span>
</div>

                

                
            </div>

            <div class="site-header-overlay site-header-overlay--nav" data-toggle-state="off">
                <div class="nav-overlay-btn--search">
                    <div class="site-header-btn site-header-btn--search"
    data-sm-content-teaser
    data-sm-content-teaser-options='{
        "title":"&lt;img src&#x3D;&#x27;https://assets.sourcemedia.com/44/26/66a30f9d45d6b5e609060b947923/fp-2016-web-copy.png&#x27; /&gt;",
        "target":"_dom",
        "contentUrl":"//www.financial-planning.com/search?_viewType&#x3D;searchInput"
    }'>
    <i class="icon-search"></i>
    <span class="label">Search</span>
</div>

                </div>

                
                    
<ul class="list header-nav-list header-nav-list--primary">
	
		<li><a  href="http://promo.sourcemedia.com/financial-planning/techsurvey/" target="_blank" data-cms-ai="0">Tech Survey</a></li>
	
		<li><a  href="/financial-practice-management" data-cms-ai="0">Practice</a></li>
	
		<li><a  href="/financial-portfolio-management" data-cms-ai="0">Portfolio</a></li>
	
		<li><a  href="/financial-industry" data-cms-ai="0">Industry</a></li>
	
		<li><a  href="/financial-planning-and-analysis" data-cms-ai="0">Voices</a></li>
	
</ul>

                

                
                    
<ul class="list header-nav-list header-nav-list--secondary">
	
		<li><a  href="//www.financial-planning.com/resources" data-cms-ai="0">Resources</a></li>
	
		<li><a  href="//www.financial-planning.com/events" data-cms-ai="0">Events</a></li>
	
</ul>

                
            </div>

            
                
<div class="debug-tab"></div>

    
    
    
    

    
        <div class="ReadingList"
             data-sm-reading-list-new>
            
                <div class="ReadingList-container">
                    
        <div class="ReadingList-primaryMenuItems">
            <div class="ReadingList-primaryMenuItems-favicon">
                <a  href="/" data-cms-ai="0">
<img  alt="Financial Planning" src="https://assets.sourcemedia.com/5c/54/6c5ae1fd420bab100bb00e35da98/fp-favicon.png" />

    

</a>
            </div>
            
<ul class="list header-nav-list header-nav-list--primary">
	
		<li class="search-form"><form class="search-form" action="//www.financial-planning.com/search">
    
        <div class="form-input form-input-submit">
    
    
        
            <input  type="submit" value />
        
    

    
</div>
    
        <div class="form-input form-input-text">
    
        
            <label for="query">
                Name
            </label>
        
    
    
        
            <input  autocomplete="off" id="query" name="query" required="true" type="text" placeholder="Search" />
        
    

    
        
    
</div>
    
</form></li>
	
		<li><a  href="http://promo.sourcemedia.com/financial-planning/techsurvey/" data-cms-ai="0">Tech Survey</a></li>
	
		<li><a  href="/financial-practice-management" data-cms-ai="0">Practice</a></li>
	
		<li><a  href="/financial-portfolio-management" data-cms-ai="0">Portfolio</a></li>
	
		<li><a  href="/financial-industry" data-cms-ai="0">Industry</a></li>
	
		<li><a  href="/financial-planning-and-analysis" data-cms-ai="0">Voices</a></li>
	
		<li><a  href="//www.financial-planning.com/resources" data-cms-ai="0">Resources</a></li>
	
		<li><a  href="//www.financial-planning.com/events" data-cms-ai="0">Events</a></li>
	
</ul>

        </div>
    
                    <div class="ReadingList-transition-wrapper">
                        <div class="ReadingList-info">
                            
        <div class="ReadingList-title">
            <span>Now Reading:</span>
                The Latest

        </div>
        <div class="ReadingList-counter-wrapper">
            <!--counter injected here via JS-->
        </div>
    
                            
                        </div>
                        
        <ol class="ReadingList-items" data-bsp-carousel data-bsp-carousel-options='
            {"themeConfig":{
                "adaptiveHeight": false,
                "speed": 200,
                "infinite": false,
                "slidesToScroll": 1,
                "variableWidth": true,
                "slide": ".ReadingList-items-item",
                "responsive": [
                {
                    "breakpoint": 1950,
                        "settings": {
                            "slidesToShow": 4
                        }
                },
                {
                    "breakpoint": 1570,
                        "settings": {
                            "slidesToShow": 3
                        }
                    },
                    {
                    "breakpoint": 1024,
                        "settings": {
                            "slidesToShow": 2
                        }
                    }
                ]
                }
            }'>
            
                
    
    
    
        

            <li class="ReadingList-items-item " >
                <a class="ReadingList-link" data-sm-reading-list-item-url="//www.financial-planning.com/opinion/hurricane-harvey-prepare-your-firm-for-natural-disaster?_viewType=ajax&amp;_adIdx=1" data-item-title="Hurricane Harvey: Prepare your firm for natural disaster | Financial Planning" href="//www.financial-planning.com/opinion/hurricane-harvey-prepare-your-firm-for-natural-disaster" data-cms-ai="0"><span>Voices</span> <div class='title'>Hurricane Harvey: Prepare your firm for natural disaster</div>
</a>
                
                <!--progress bar-->
                <div class="ReadingList-progress-bar-wrapper">
                    <div class="ReadingList-progress-bar"></div>
                </div>
            </li>

        
    



            
                
    
    
    
        

            <li class="ReadingList-items-item " >
                <a class="ReadingList-link" data-sm-reading-list-item-url="//www.financial-planning.com/news/wealth-partners-m-a-strategy-pays-off-ep-wealth-buys-millie-capital?_viewType=ajax&amp;_adIdx=2" data-item-title="Wealth Partners M&amp;A strategy begins to pay off | Financial Planning" href="//www.financial-planning.com/news/wealth-partners-m-a-strategy-pays-off-ep-wealth-buys-millie-capital" data-boxad-path="/16059533/FinancialPlanning/Article" data-boxad-kw="[&quot;economy&quot;,&quot;professions&quot;,&quot;rias&quot;,&quot;m-a&quot;,&quot;practice-management&quot;,&quot;rich-gill&quot;,&quot;wealth-partners-capital-group&quot;,&quot;ep-wealth-advisors&quot;]" data-boxad-person="[&quot;rich-gill&quot;]" data-boxad-org="[&quot;wealth-partners-capital-group&quot;,&quot;ep-wealth-advisors&quot;]" data-boxad-event data-boxad-loc data-boxad-program data-boxad-size="[[300,250],[300,600]]" data-boxad-pos="bigbox3" data-boxad-story-id="00000161-8b80-dfd9-a57d-9befd77d0000" data-cms-ai="0">Wealth Partners M&A strategy begins to pay off
</a>
                
                <!--progress bar-->
                <div class="ReadingList-progress-bar-wrapper">
                    <div class="ReadingList-progress-bar"></div>
                </div>
            </li>

        
    



            
                
    
    
    
        

            <li class="ReadingList-items-item " >
                <a class="ReadingList-link" data-sm-reading-list-item-url="//www.financial-planning.com/opinion/michael-kitces-on-cfp-boards-proposed-new-standards-fiduciary-financial-advice?_viewType=ajax&amp;_adIdx=3" data-item-title="Kitces: Open letter to the CFP Board on its proposed new standards | Financial Planning" href="//www.financial-planning.com/opinion/michael-kitces-on-cfp-boards-proposed-new-standards-fiduciary-financial-advice" data-boxad-path="/16059533/FinancialPlanning/Opinion" data-boxad-kw="[&quot;financial-planning&quot;,&quot;law-and-regulation&quot;,&quot;financial-regulations&quot;,&quot;fiduciary-standard&quot;,&quot;fiduciary-rule&quot;,&quot;business-administration&quot;,&quot;compensation&quot;,&quot;fee-based&quot;,&quot;economy&quot;,&quot;professions&quot;,&quot;rias&quot;,&quot;practice-management&quot;,&quot;cfps&quot;,&quot;compliance&quot;,&quot;cfp-board&quot;]" data-boxad-person data-boxad-org="[&quot;cfp-board&quot;]" data-boxad-event data-boxad-loc data-boxad-program data-boxad-size="[[300,250],[300,600]]" data-boxad-pos="bigbox4" data-boxad-story-id="00000161-570f-d7d1-ab7b-7f6fbd2b0000" data-cms-ai="0"><span>Voices</span> <div class='title'>Kitces: Open letter to the CFP Board on its proposed new standards</div>
</a>
                
                <!--progress bar-->
                <div class="ReadingList-progress-bar-wrapper">
                    <div class="ReadingList-progress-bar"></div>
                </div>
            </li>

        
    



            
                
    
    
    
        

            <li class="ReadingList-items-item " >
                <a class="ReadingList-link" data-sm-reading-list-item-url="//www.financial-planning.com/news/lpl-hybrid-private-advisor-group-recruits-57-advisors?_viewType=ajax&amp;_adIdx=4" data-item-title="LPL&rsquo;s largest hybrid RIA adds 57 advisors, tops $14B in AUM | Financial Planning" href="//www.financial-planning.com/news/lpl-hybrid-private-advisor-group-recruits-57-advisors" data-boxad-path="/16059533/FinancialPlanning/Article" data-boxad-kw="[&quot;business-administration&quot;,&quot;workforce-management&quot;,&quot;recruiting&quot;,&quot;admin-and-reference&quot;,&quot;content-classifications&quot;,&quot;career-moves&quot;,&quot;economy&quot;,&quot;professions&quot;,&quot;rias&quot;,&quot;business-classifications&quot;,&quot;independent-bds&quot;,&quot;independent-advisors&quot;,&quot;pat-sullivan&quot;,&quot;private-advisor-group&quot;,&quot;lpl-financial&quot;,&quot;ameriprise&quot;,&quot;wells-fargo-advisors&quot;,&quot;mml-investors-services&quot;]" data-boxad-person="[&quot;pat-sullivan&quot;]" data-boxad-org="[&quot;private-advisor-group&quot;,&quot;lpl-financial&quot;,&quot;ameriprise&quot;,&quot;wells-fargo-advisors&quot;,&quot;mml-investors-services&quot;]" data-boxad-event data-boxad-loc data-boxad-program data-boxad-size="[[300,250],[300,600]]" data-boxad-pos="bigbox5" data-boxad-story-id="00000161-8aeb-d332-a1fd-9bfff0b20000" data-cms-ai="0">LPL’s largest hybrid RIA adds 57 advisors, tops $14B in AUM
</a>
                
                <!--progress bar-->
                <div class="ReadingList-progress-bar-wrapper">
                    <div class="ReadingList-progress-bar"></div>
                </div>
            </li>

        
    



            
                
    
    
    
        

            <li class="ReadingList-items-item " >
                <a class="ReadingList-link" data-sm-reading-list-item-url="//www.financial-planning.com/news/kitces-why-advisors-make-some-of-the-grumpiest-business-owners?_viewType=ajax&amp;_adIdx=5" data-item-title="Kitces: Why advisors make the grumpiest business owners | Financial Planning" href="//www.financial-planning.com/news/kitces-why-advisors-make-some-of-the-grumpiest-business-owners" data-boxad-path="/16059533/FinancialPlanning/Article" data-boxad-kw="[&quot;economy&quot;,&quot;professions&quot;,&quot;rias&quot;,&quot;practice-management&quot;,&quot;business-administration&quot;,&quot;compensation&quot;,&quot;fee-based&quot;,&quot;business-development&quot;,&quot;business-process-management&quot;,&quot;business-classifications&quot;,&quot;small-business&quot;,&quot;health-and-wellness&quot;,&quot;wellness&quot;,&quot;work-life-balance&quot;,&quot;michael-kitces&quot;]" data-boxad-person="[&quot;michael-kitces&quot;]" data-boxad-org data-boxad-event data-boxad-loc data-boxad-program data-boxad-size="[[300,250],[300,600]]" data-boxad-pos="bigbox6" data-boxad-story-id="00000161-7c7e-dfa8-ad75-7ffe3b380000" data-cms-ai="0">Kitces: Why advisors make the grumpiest business owners
</a>
                
                <!--progress bar-->
                <div class="ReadingList-progress-bar-wrapper">
                    <div class="ReadingList-progress-bar"></div>
                </div>
            </li>

        
    



            
            
        </ol>
    
                    </div>
                </div>
            
        </div>
    

            

            <div class="site-header-overlay site-header-overlay--search" data-toggle-state
            "off">
            search goes here
        </div>
    </div>
</div>




    <div  class="article-page">
	
        
<div class="wrapper skin-light-background"  data-content-type="opinion-article">

<div class="bsp-container" data-sm-ad-alignment>

	

	<div class="bsp-row sm-flexbox">

		<div class="bsp-column-flex sm-column-flex">
			
				<article class="bsp-container" data-sm-article>
    

	
		<header>
	
		<div class="bsp-page-title-wrapper">

	<h1 class="bsp-page-title title-small">
		
			<span>Voices</span>
		
		Hurricane Harvey: Prepare your firm for natural disaster
        
	</h1>
</div>

	
</header>
	

    

    

	<div class="bsp-row">
                
		<div class="article-first">
			
    
		<div class="bsp-tags">
    <div class="bsp-tag-list-title">By</div>
    <ul class="bsp-tag-list">
        
            <li><a class="bsp-tag" href="/author/rick-woolfolk" data-cms-ai="0">Rick Woolfolk</a></li>
        
    </ul>
</div>

	
		<div class="bsp-tags">
    <div class="bsp-tag-list-title">Published</div>
    <ul class="bsp-tag-list">
        
            <li>August 25 2017, 8:19am EDT</li>
        
    </ul>
</div>

	
		<div class="bsp-tags">
    <div class="bsp-tag-list-title">More in</div>
    <ul class="bsp-tag-list">
        
            <li><a class="bsp-tag" href="/tag/disaster-recovery" data-cms-ai="0">Disaster recovery</a></li>
        
            <li><a class="bsp-tag" href="/tag/disaster-planning" data-cms-ai="0">Disaster planning</a></li>
        
            <li><a class="bsp-tag" href="/tag/crisis-management-and-disaster-planning" data-cms-ai="0">Crisis management</a></li>
        
            <li><a class="bsp-tag" href="/tag/business-continuity" data-cms-ai="0">Business continuity</a></li>
        
            <li><a class="bsp-tag" href="/ria-news" data-cms-ai="0">RIAs</a></li>
        
            <li><a class="bsp-tag" href="/tag/practice-management" data-cms-ai="0">Practice management</a></li>
        
            <li><a class="bsp-tag" href="/organization/raymond-james-financial" data-cms-ai="0">Raymond James Financial</a></li>
        
    </ul>
</div>

	

		</div>
                
		<div class="article-body" data-sm-responsive-tables>
			
				<div class="action-bar action-bar-size--large " data-sm-social-share-bar>  <!-- We need a variable here that tells us if it's an article or something else (eg infographic etc -->
    <a class="action newwindow" href="https://www.facebook.com/dialog/feed?app_id&#x3D;948048028649511&amp;link&#x3D;https%3A%2F%2Fwww.financial-planning.com%2Fopinion%2Fhurricane-harvey-prepare-your-firm-for-natural-disaster&amp;caption&#x3D;&amp;description&#x3D;Disaster survival tips from Texas-based advisor Rick Woolfolk, who is also a Civil Air Patrol representative for the U.S. Air Force.&amp;redirect_uri&#x3D;https%3A%2F%2Fwww.financial-planning.com%2Fopinion%2Fhurricane-harvey-prepare-your-firm-for-natural-disaster&amp;picture&#x3D;https://assets.sourcemedia.com/dims4/default/82348e7/2147483647/thumbnail/1200x630%3E/quality/90/?url&#x3D;https%3A%2F%2Fassets.sourcemedia.com%2F91%2F55%2F031dfa754c3da1e4f5870c98e535%2Fhurricane-harvey-bloomberg.jpg" data-shareheight="400" data-sharewidth="1000" data-service="facebook" target="_blank" data-sm-action-facebook_f>
        <i class="icon icon-facebook_f"></i>
    </a>
    <a class="action newwindow" href="https://www.linkedin.com/shareArticle?summary&#x3D;Disaster survival tips from Texas-based advisor Rick Woolfolk, who is also a Civil Air Patrol representative for the U.S. Air Force.&amp;ro&#x3D;false&amp;title&#x3D;Hurricane Harvey: Prepare your firm for natural disaster&amp;mini&#x3D;true&amp;url&#x3D;https%3A%2F%2Fwww.financial-planning.com%2Fopinion%2Fhurricane-harvey-prepare-your-firm-for-natural-disaster" data-shareheight="600" data-sharewidth="1000" data-service="linkedin"target="_blank"  data-sm-action-linkedin>
        <i class="icon icon-linkedin"></i>
    </a>
    <a class="action newwindow" href="https://twitter.com/intent/tweet?original_referer&#x3D;https%3A%2F%2Fwww.financial-planning.com%2Fopinion%2Fhurricane-harvey-prepare-your-firm-for-natural-disaster&amp;text&#x3D;Hurricane Harvey: Prepare your firm for natural disaster&amp;url&#x3D;https%3A%2F%2Fwww.financial-planning.com%2Fopinion%2Fhurricane-harvey-prepare-your-firm-for-natural-disaster" data-shareheight="300" data-sharewidth="1000" data-service="twitter"target="_blank" data-sm-action-twitter>
        <i class="icon icon-twitter"></i>
    </a>
    <a class="action" href="mailto:?subject&#x3D;Hurricane%20Harvey%3A%20Prepare%20your%20firm%20for%20natural%20disaster%20%7C%20Financial%20Planning&amp;body&#x3D;Disaster survival tips from Texas-based advisor Rick Woolfolk, who is also a Civil Air Patrol representative for the U.S. Air Force.%0A%0Ahttps%3A%2F%2Fwww.financial-planning.com%2Fopinion%2Fhurricane-harvey-prepare-your-firm-for-natural-disaster" data-sm-action-email>
        <i class="icon icon-email"></i>
    </a>
    <a class="action moreshare" href="javascript:;">
        <i class="icon icon-moreshare"></i>
    </a>
    <div class="sharedrop">
        <a class="action newwindow" href="https://plus.google.com/share?url&#x3D;https%3A%2F%2Fwww.financial-planning.com%2Fopinion%2Fhurricane-harvey-prepare-your-firm-for-natural-disaster" data-shareheight="400" data-sharewidth="1000" data-service="google"target="_blank" data-sm-action-google-plus>
            <i class="icon icon-google-plus"></i>
        </a>
        <a class="action newwindow"  href="https://www.tumblr.com/share?v&#x3D;3&amp;u&#x3D;https%3A%2F%2Fwww.financial-planning.com%2Fopinion%2Fhurricane-harvey-prepare-your-firm-for-natural-disaster&amp;t&#x3D;Hurricane Harvey: Prepare your firm for natural disaster" data-shareheight="400" data-sharewidth="1000" data-service="tumblr"target="_blank" >
            <i class="icon icon-tumblr"></i>
        </a>
    </div>

    <div class="action-bar-right">
        
        <a target="_blank" href="#" class="action sm-action-print-item" data-sm-action-print>
            <i class="icon icon-print"></i>
            <span class="label">print</span>
        </a>
        
        
        <a target="_blank" href="http://www.sourcemediareprints.com/" class="action" data-sm-action-reprint="">
            <i class="icon icon-reprint"></i>
            <span class="label">reprint</span>
        </a>
        
        
    </div>
</div>
			
				<p><i>This article was first published in 2016 as <a href="https://www.financial-planning.com/news/swirling-winds-rising-waters-prepare-your-practice-for-a-natural-disaster">&quot;Swirling winds, rising waters: Prepare your practice for a natural disaster.”</a> It is written by a Raymond James advisor, who is also an incident commander for the Civil Air Patrol. It has been updated.</i></p><p>DENTON, Texas – As an incident commander for the Civil Air Patrol, an auxiliary of the U.S. Air Force, I bring aircrews and ground teams to take photographs of damage caused by tornadoes, floods and fires. These disasters can be terrible experiences for the victims. </p><p>Here are some of things that might be suggestions for our Raymond James team members: </p><p><b>WHEN CLOUDS LOOM</b><br />Take pictures of your office when things are perfectly normal. Take lots of pictures and do this annually or bi-annually. The before pictures become invaluable if needed. If you can get a friend to take an aerial photo, that would be good for your file, too.</p><p>If your office is within 25 feet above any floodway, floodplain or body of water, make a plan for evacuation of your office, unless the ability for water to run off exceeds the possibility of a 500-year flood event reaching your building. </p><p>You might ask why 500-year and not 100-year marker. That is because the weather pattern has given us seven different 500-year flood events in different parts of Texas, Oklahoma and Louisiana in the past 13 months. <br /></p>

			
				
<div class="mod-enhancement e-full-width">
	<div class="bsp-component sm-blockquote sm-related">
	
	
	<div class="content">
	
<ul class="list">
	
		<li><a  href="//www.financial-planning.com/news/hurricane-matthew-helping-clients-before-and-after">Hurricane Matthew: Helping clients before — and after</a></li>
	
		<li><a  href="//www.financial-planning.com/opinion/how-one-advisor-copes-as-hurricane-matthew-bears-down">How one advisor coped as Hurricane Matthew bore down</a></li>
	
		<li><a  href="//www.financial-planning.com/news/sec-proposes-business-continuity-rule-for-rias">SEC rule would force RIAs to mandate succession planning in case of natural disaster</a></li>
	
</ul>

	</div>
	

	
	
</div>

</div>

			
				<p>The East Coast has also had 500-year events over the past year. Put thought, and action, into what needs to be moved, raised to higher levels or protected. It’s better to do this in advance, rather than after it is raining a gale. Also think about where you keep records stored. Storage units are often in-less expensive real estate locations, and thus sometimes more prone to water problems.<br /></p>

			
				
<div class="mod-enhancement e-left-rail">
	<figure class="image">
	

	 
<img  src="https://assets.sourcemedia.com/dims4/default/0cdecd8/2147483647/resize/215x%3E/quality/90/?url=https%3A%2F%2Fassets.sourcemedia.com%2F91%2F55%2F031dfa754c3da1e4f5870c98e535%2Fhurricane-harvey-bloomberg.jpg" alt="Texas residents prepare before Hurricane Harvey makes landfall. " />

    

 

	
	<figcaption>
		<h5>
</h5>
 Texas residents prepare before Hurricane Harvey makes landfall. 
 
<span class="credit">Bloomberg News</span>
	</figcaption>
	
</figure>
</div>

			
				<p>If you live in state with tornado occurrences, give some thought how you store things in your office when you leave at night when adverse weather is forecast. Put thing in file cabinets or in drawers and secured so they don’t become flying debris. Obtain locking file cabinets that might make papers more secure and keep drawers closed. I have seen very few really bad storms pop up that were not forecast hours in advance. </p>

			
				
<div class="mod-enhancement e-full-width">
	<figure class="slideshow">
	
	<span class="eyebrow">Slideshow</span>
	

	 <div class="content-teaser"
    data-sm-content-teaser
    data-sm-content-teaser-options='{
        "title":"5 disaster recovery steps for advisers after Sandy",
        "target":"_dom",
        "type":"slideshow",
        
        
        "contentUrl":"//www.financial-planning.com/slideshow/5-disaster-recovery-steps-for-advisors-after-sandy?_viewType&#x3D;component"
    }' >

    
        
<img  src="https://assets.sourcemedia.com/dims4/default/1520ec8/2147483647/resize/680x%3E/quality/90/?url=https%3A%2F%2Fassets.sourcemedia.com%2Ff8%2F4a%2F483d5fb74bab95dea0d74b463d24%2Fp17amibgm9o4prep1f7512ka4o3l.jpg" />

    


    

    <div class="content-teaser--overlay">
        
            <button  class="start-slideshow" data-total-slide-count="6">Start Slideshow</button>
        
    </div>
    
    
        <script  type="text/javascript">var SM = SM || {};
SM.DIMENSIONS = SM.DIMENSIONS || {};SM.DIMENSIONS["5 disaster recovery steps for advisers after Sandy | Financial Planning"] = SM.DIMENSIONS["5 disaster recovery steps for advisers after Sandy | Financial Planning"] || {};
SM.DIMENSIONS["5 disaster recovery steps for advisers after Sandy | Financial Planning"]['dimension3'] = "non-registered-user";
SM.DIMENSIONS["5 disaster recovery steps for advisers after Sandy | Financial Planning"]['dimension5'] = "FreeWithReg";
SM.DIMENSIONS["5 disaster recovery steps for advisers after Sandy | Financial Planning"]['dimension8'] = "1";
SM.DIMENSIONS["5 disaster recovery steps for advisers after Sandy | Financial Planning"]['dimension10'] = "Financial planning,Business administration::Strategic planning::Disaster planning,Business administration::Strategic planning::Disaster planning::Crisis management,Business administration::Strategic planning::Disaster planning::Disaster recovery,Business administration::Strategic planning::Business continuity,Economy::Professions::RIAs";
SM.DIMENSIONS["5 disaster recovery steps for advisers after Sandy | Financial Planning"]['dimension14'] = "23";
SM.DIMENSIONS["5 disaster recovery steps for advisers after Sandy | Financial Planning"]['dimension15'] = "Slideshow";
SM.DIMENSIONS["5 disaster recovery steps for advisers after Sandy | Financial Planning"]['dimension17'] = "Financial planning, Disaster planning, Crisis management, Disaster recovery, Business continuity, RIAs";
</script>

    
</div>
 

	
	<figcaption>
		<h5>5 disaster recovery steps for advisers after Sandy</h5>
 <div>During storms, advisers have to be concerned about their offices and property, as well as those of their clients’ and their clients’ relatives.</div>
 

	</figcaption>
	
</figure>
</div>

			
				<p>You should take a look around your office and notice extension cords, debris on the floor, especially file rooms and HVAC/hot water areas. Look at space heaters if you allow them to be used, make sure they are off and unplugged at night; make sure things are not stored around them for situations that could become hazardous. This may be the most difficult disaster to recover from.</p><p>During storms, advisers have to be concerned about their offices and property, as well as those of their clients’ and their clients’ relatives.</p><p>Do you have a computer back-up off site for your information? How do you restore if needed? Who are your contacts at the utility department, phone company, gas company, etc? Can you get a back-up generator big enough to get your office running again? In the event of a wide-spread situation, generators for hundreds of miles will all be leased.</p><p>None of us want a water event, a severe storm to drop a tornado or a fire, but they do happen. Of course insurance and business interruption insurance would help, but the emotional price will be high also. Prepare to reduce that risk.</p>

			
				<div class="action-bar action-bar-size--large second-bar" data-sm-social-share-bar>  <!-- We need a variable here that tells us if it's an article or something else (eg infographic etc -->
    <a class="action newwindow" href="https://www.facebook.com/dialog/feed?app_id&#x3D;948048028649511&amp;link&#x3D;https%3A%2F%2Fwww.financial-planning.com%2Fopinion%2Fhurricane-harvey-prepare-your-firm-for-natural-disaster&amp;caption&#x3D;&amp;description&#x3D;Disaster survival tips from Texas-based advisor Rick Woolfolk, who is also a Civil Air Patrol representative for the U.S. Air Force.&amp;redirect_uri&#x3D;https%3A%2F%2Fwww.financial-planning.com%2Fopinion%2Fhurricane-harvey-prepare-your-firm-for-natural-disaster&amp;picture&#x3D;https://assets.sourcemedia.com/dims4/default/82348e7/2147483647/thumbnail/1200x630%3E/quality/90/?url&#x3D;https%3A%2F%2Fassets.sourcemedia.com%2F91%2F55%2F031dfa754c3da1e4f5870c98e535%2Fhurricane-harvey-bloomberg.jpg" data-shareheight="400" data-sharewidth="1000" data-service="facebook" target="_blank" data-sm-action-facebook_f data-cms-ai="0">
        <i class="icon icon-facebook_f"></i>
    </a>
    <a class="action newwindow" href="https://www.linkedin.com/shareArticle?summary&#x3D;Disaster survival tips from Texas-based advisor Rick Woolfolk, who is also a Civil Air Patrol representative for the U.S. Air Force.&amp;ro&#x3D;false&amp;title&#x3D;Hurricane Harvey: Prepare your firm for natural disaster&amp;mini&#x3D;true&amp;url&#x3D;https%3A%2F%2Fwww.financial-planning.com%2Fopinion%2Fhurricane-harvey-prepare-your-firm-for-natural-disaster" data-shareheight="600" data-sharewidth="1000" data-service="linkedin"target="_blank"  data-sm-action-linkedin data-cms-ai="0">
        <i class="icon icon-linkedin"></i>
    </a>
    <a class="action newwindow" href="https://twitter.com/intent/tweet?original_referer&#x3D;https%3A%2F%2Fwww.financial-planning.com%2Fopinion%2Fhurricane-harvey-prepare-your-firm-for-natural-disaster&amp;text&#x3D;Hurricane Harvey: Prepare your firm for natural disaster&amp;url&#x3D;https%3A%2F%2Fwww.financial-planning.com%2Fopinion%2Fhurricane-harvey-prepare-your-firm-for-natural-disaster" data-shareheight="300" data-sharewidth="1000" data-service="twitter"target="_blank" data-sm-action-twitter data-cms-ai="0">
        <i class="icon icon-twitter"></i>
    </a>
    <a class="action" href="mailto:?subject&#x3D;Hurricane%20Harvey%3A%20Prepare%20your%20firm%20for%20natural%20disaster%20%7C%20Financial%20Planning&amp;body&#x3D;Disaster survival tips from Texas-based advisor Rick Woolfolk, who is also a Civil Air Patrol representative for the U.S. Air Force.%0A%0Ahttps%3A%2F%2Fwww.financial-planning.com%2Fopinion%2Fhurricane-harvey-prepare-your-firm-for-natural-disaster" data-sm-action-email data-cms-ai="0">
        <i class="icon icon-email"></i>
    </a>
    <a class="action moreshare" href="javascript:;" data-cms-ai="0">
        <i class="icon icon-moreshare"></i>
    </a>
    <div class="sharedrop">
        <a class="action newwindow" href="https://plus.google.com/share?url&#x3D;https%3A%2F%2Fwww.financial-planning.com%2Fopinion%2Fhurricane-harvey-prepare-your-firm-for-natural-disaster" data-shareheight="400" data-sharewidth="1000" data-service="google"target="_blank" data-sm-action-google-plus data-cms-ai="0">
            <i class="icon icon-google-plus"></i>
        </a>
        <a class="action newwindow"  href="https://www.tumblr.com/share?v&#x3D;3&amp;u&#x3D;https%3A%2F%2Fwww.financial-planning.com%2Fopinion%2Fhurricane-harvey-prepare-your-firm-for-natural-disaster&amp;t&#x3D;Hurricane Harvey: Prepare your firm for natural disaster" data-shareheight="400" data-sharewidth="1000" data-service="tumblr"target="_blank" data-cms-ai="0" >
            <i class="icon icon-tumblr"></i>
        </a>
    </div>

    <div class="action-bar-right">
        
        <a target="_blank" href="#" class="action sm-action-print-item" data-sm-action-print data-cms-ai="0">
            <i class="icon icon-print"></i>
            <span class="label">print</span>
        </a>
        
        
        <a target="_blank" href="http://www.sourcemediareprints.com/" class="action" data-sm-action-reprint="" data-cms-ai="0">
            <i class="icon icon-reprint"></i>
            <span class="label">reprint</span>
        </a>
        
        
    </div>
</div>
			
				<div class="author-module module">
	<div class="author-bio">
		
			<a  title="Rick Woolfolk" class="author-image" href="/author/rick-woolfolk" data-cms-ai="0">
<img  src="https://assets.sourcemedia.com/dims4/default/d1293a9/2147483647/crop/100x100%2B0%2B14/resize/70x70%5E/quality/90/?url=https%3A%2F%2Fassets.sourcemedia.com%2F01%2F8e%2F299e7b04482ca748b602e70fd8e1%2Frick-woolfolk.jpg" alt="Rick Woolfolk" class="grayscale" />

    

</a>
		
		<div class="bio">
			
				<h4><a  href="/author/rick-woolfolk" data-cms-ai="0">Rick Woolfolk</a></h4>
			

            
                <div>
                    Rick Woolfolk is a branch manager for Raymond James Financial Services in Denton, Texas.

                </div>
            

            
        </div>
    </div>
    
        <div class="author-more">
            
                <h6>More Articles</h6>

            
                
<ul class="list">
	
		<li><a  href="//www.financial-planning.com/opinion/michael-kitces-on-cfp-boards-proposed-new-standards-fiduciary-financial-advice" data-cms-ai="0">Kitces: Open letter to the CFP Board on its proposed new standards</a></li>
	
		<li><a  href="//www.financial-planning.com/opinion/the-down-and-dirty-on-the-new-tax-rules-and-estate-planning" data-cms-ai="0">The down and dirty on the new tax rules and estate planning</a></li>
	
		<li><a  href="//www.financial-planning.com/opinion/stock-market-correction-how-advisors-should-answer-phone" data-cms-ai="0">'Am I going to lose all my money?' How to answer clients' worried calls</a></li>
	
</ul>

            
        </div>
    
	
</div>

			
                        
                        
		</div>

	</div>
</article>

			
				<div class="comments component" data-bsp-commenting>
    
    <h5 class="component-title">Comments</h5>
    

    <div class="commenting-content">

        
        <div class="comments-sign-in">
            <div class="comments-sign-in-text"><div class="component-group">
	
		<a  href="#" title="Login" data-sm-subscription-modal data-sm-subscription-modal-url="https://www.financial-planning.com/auth/login?_viewType=module" data-cms-ai="0">Login</a>
	
		 or 
	
		<a  href="https://www.financial-planning.com/mmesubscribe" title="Subscribe" data-cms-ai="0">Subscribe</a>
	
</div>
</div>
            <ul class="comments-sign-in-choices">
                
            </ul>
        </div>
        

        <div class="comment-as-text"></div>
        

        
        <div class="comments-list-wrapper">

            <ul class="comments-list">
                
            </ul>
        </div>
        

        
    </div>
</div>

			
				<div class="sm-dianomi">
    <iframe width="725" height="350" scrolling="NO" src="//www.dianomi.com/smartads.epl?id&#x3D;3128"   style="width: 100%;border: none; overflow: hidden;"></iframe>
</div>

			
		</div>

		<div class="bsp-column-fixed-width sm-right-rail" data-sm-google-ad>
			
				<!--sm-display-ad.hbs-->
<div id="gpt-ad-bigbox1"  data-sm-google-ad-options='{
        "id":"",
        "position":"bigbox1",
        "sizes":"",
        "adUnitPath":"",
        "keywords":"",
        "person":"",
        "organization":"",
        "event":"",
        "location":"",
        "program":"",
        "contentId":"",
        "deferRendering":
    
    }'>
</div>

			
				<!--sm-display-ad.hbs-->
<div id="gpt-ad-bigbox2"  data-sm-google-ad-options='{
        "id":"",
        "position":"bigbox2",
        "sizes":"",
        "adUnitPath":"",
        "keywords":"",
        "person":"",
        "organization":"",
        "event":"",
        "location":"",
        "program":"",
        "contentId":"",
        "deferRendering":
    
    }'>
</div>

			
		</div>

	</div>
</div>

</div>
	
</div>



<div>
	
        <div class="site-footer skin-dark">
	<div class="bsp-container">

		
            <div class="module mod-newsletter skin-dark-background">
    <form class="mod-newsletter-form"
          data-sm-newsletter-signup-form
          action="/_newsletter-signup">
    	<div class="promo-text">
    		
    		  <h3 class="module-header">Get FP in your inbox</h3>
    		
            <div class="newsletter-name">
                <div class="form-select styled-select styled-select-dark">

    
    <i class="styled-select-dropdown"></i>
    

    
        <label 
 for="i0e06c9db67524bb79c7310e2553b854d">
        Newsletter/Frequency
    

    <select data-sm-styled-dropdown-list="true" id="i0e06c9db67524bb79c7310e2553b854d" name="newsletterTableName"  >
        
            <option value="Daybreak">Daybreak/Daily</option>
        
            <option value="Weekend">Weekend/Weekly</option>
        
            <option value="Retirement">Retirement/Bi-Weekly</option>
        
            <option value="High Net Worth">HNW/Bi-weekly</option>
        
            <option value="30 Days 30 Ways">30 Days 30 Ways/Daily</option>
        
            <option value="Alert">Alert</option>
        
            <option value="Practice Management">Practice/Bi-weekly</option>
        
            <option value="TechZone/Bi-weekly">TechZone/Bi-weekly</option>
        
            <option value="RIA IQ">RIA IQ/Weekly</option>
        
            <option value="First Look">First Look/Monthly</option>
        
            <option value="Re:Invent|Wealth">Re:Invent|Wealth/Weekly</option>
        
            <option value="Best of the Week/Weekly">Best of the Week/Weekly</option>
        
            <option value="Tax Tuesday">Tax Tuesday/Weekly</option>
        
            <option value="Portfolio">Portfolio/Weekly</option>
        
            <option value="Trending">Trending/Daily</option>
        
            <option value="Regulatory">Regulatory/Bi-weekly</option>
        
            <option value="What You Missed">What You Missed/Monthly</option>
        
            <option value="MME Daily Briefing">Money Management Executive Daily Briefing</option>
        
            <option value="Special Report">Special Report</option>
        
    </select>

    
         
        </label>
    

</div>

            </div>
    	</div>
    	<div class="frm-newsletter">
    		<input type="email" name="email" placeholder="Email Address" />
    		<button >Subscribe</button>
            <a  href="#" title="Register" data-sm-subscription-modal data-sm-subscription-modal-url="https://www.financial-planning.com/auth/registration-subscription?step=ac&amp;branch=true" data-cms-ai="0">Register</a>
    	</div>
        <input type="hidden" name="moduleId" value="00000153-9fc3-d098-a37b-dfeb720c0000" />
    </form>
</div>

		

		<div class="bsp-row">

			<div class="bsp-column-fourth first-col">
				
                    <div class="module mod-promo">
	
	<h3>Like what you see? Make sure you&#x27;re getting it all</h3>
	

	<div class="mod-promo-body">
		Get news and analysis for independent advisors. 

	</div>

	<a  role="button" href="#" title="Register" data-sm-subscription-modal data-sm-subscription-modal-url="https://www.financial-planning.com/auth/registration-subscription?step=ac&amp;branch=true" data-cms-ai="0">Register</a>

</div>
				
			</div>

			<div class="bsp-column-fourth second-col">
				
                    <div class="mod-mag-promo">
    
        <a  href="https://www.financial-planning.com/magazine/financial-planning-february-2018" data-cms-ai="0">
<img  src="https://assets.sourcemedia.com/dims4/default/43fa8e4/2147483647/resize/x282/quality/90/?url=https%3A%2F%2Fassets.sourcemedia.com%2F2a%2F0c%2F375870ff4f498f821c7a32fcd055%2Fcv1-fp0218-versionb.jpg" alt="Financial Planning - February 2018" />

    

</a>
    
</div>

				
			</div>

			<div class="bsp-column-half thrid-col footer-links">
				
                    <h3 class="module-header ">Financial Planning</h3>
				
                    
<ul class="list social-links">
	
		<li><a class="icon icon-facebook" href="https://www.facebook.com/FinancialPlanningMagazine" target="_blank" data-cms-ai="0"></a></li>
	
		<li><a class="icon icon-twitter" href="https://twitter.com/finplan" target="_blank" data-cms-ai="0"></a></li>
	
		<li><a class="icon icon-linkedin" href="https://www.linkedin.com/groups/4033830/profile" target="_blank" data-cms-ai="0"></a></li>
	
		<li><a class="icon icon-google" href="https://plus.google.com/+Financialplanning1/posts" target="_blank" data-cms-ai="0"></a></li>
	
</ul>

				
                    
<ul class="list">
	
		<li><a  href="//www.financial-planning.com/about-us" data-cms-ai="0">About Us</a></li>
	
		<li><a  href="//www.financial-planning.com/contact-us" data-cms-ai="0">Contact Us</a></li>
	
		<li><a  href="//www.financial-planning.com/magazine/" target="_self" data-cms-ai="0">The Magazine</a></li>
	
		<li><a  href="/ce-quiz" data-cms-ai="0">CE Quiz</a></li>
	
		<li><a  href="//www.financial-planning.com/site-map" data-cms-ai="0">Site Map</a></li>
	
		<li><a  href="http://www.financial-planning.com/feed?rss=true" target="_blank" data-cms-ai="0">RSS Feed</a></li>
	
		<li><a  href="http://www.sourcemedia.com/about/privacypolicy.html" target="_blank" data-cms-ai="0">Privacy Policy</a></li>
	
		<li><a  href="https://www.sourcemedia.com/news/sourcemedia-subscription-agreement" target="_blank" data-cms-ai="0">Subscription Agreement</a></li>
	
		<li><a  href="http://www.sourcemediareprints.com/" target="_blank" data-cms-ai="0">Content Licensing/Reprints</a></li>
	
		<li><a  href="http://www.sourcemedia.com/media-kits/financial-planning" target="_blank" data-cms-ai="0">Advertising/Marketing Services</a></li>
	
</ul>

				
                    <div class="copyright">
	<svg viewBox="0 0 773.616 142">
		<path fill="#F9F9F9" d="M188.906,112.069c-9.646,0-19.446-3.682-27.38-11.822l8.09-9.957
			c5.497,6.638,12.911,9.957,19.342,9.957c8.296,0,12.549-3.63,12.549-9.231c0-6.535-5.03-8.661-14.571-12.031
			c-11.41-4.045-22.766-9.179-22.766-22.92c0-11.875,10.786-21.054,23.802-21.106c8.921-0.052,17.373,3.267,24.996,9.284
			l-7.623,10.06c-6.171-5.134-12.186-7.727-17.372-7.727c-5.808,0-10.423,3.215-10.526,8.816c-0.104,5.496,4.979,7.415,14.105,10.941
			c12.914,5.032,23.336,8.61,23.336,23.183C214.888,105.071,200.938,112.07,188.906,112.069L188.906,112.069z"/>
		<path fill="#F9F9F9" d="M249.151,112.071c-16.386,0-27.224-11.46-27.224-26.653
			c0-15.298,10.838-26.758,27.224-26.758c15.869,0,27.174,10.89,27.174,26.758C276.325,101.182,265.02,112.07,249.151,112.071
			L249.151,112.071z M249.152,101.285c8.401,0,15.091-6.532,15.091-15.867c0-9.489-6.587-15.971-15.091-15.971
			c-9.075,0-15.143,6.948-15.143,15.971C234.009,94.285,240.232,101.284,249.152,101.285L249.152,101.285z"/>
		<path fill="#F9F9F9" d="M330.826,59.437v51.805h-11.875V104.5h-0.155
			c-4.149,4.979-9.905,7.57-15.972,7.57c-11.409,0-19.343-5.703-19.343-21.104v-31.53h11.875V87.75
			c0,10.372,3.111,13.483,10.268,13.483c6.949,0,13.328-5.808,13.328-17.009V59.437H330.826z"/>
		<path fill="#F9F9F9" d="M370.57,58.658c0.519,0,1.037,0,1.452,0.052v13.223
			c-1.348-0.103-2.749-0.155-3.578-0.155c-9.023,0-14.157,6.482-14.157,14.883v24.58h-11.875V59.437h11.875v7.778h0.155
			C358.487,61.719,364.243,58.659,370.57,58.658L370.57,58.658z"/>
		<path fill="#F9F9F9" d="M402.657,112.07c-15.246,0-26.395-10.786-26.395-26.653
			c0-15.868,11.097-26.758,26.81-26.758c8.09,0,16.594,3.267,21.78,9.646l-8.09,7.001c-2.957-3.475-7.416-5.861-13.069-5.861
			c-9.179,0-15.349,6.431-15.349,15.869c0,9.542,6.274,15.971,15.401,15.971c5.757,0,10.37-2.54,13.119-5.6l8.194,7.26
			C420.599,108.026,412.665,112.07,402.657,112.07L402.657,112.07z"/>
		<path fill="#F9F9F9" d="M478.887,84.743c0,1.815-0.156,3.786-0.312,4.719h-37.752
			c1.557,7.363,7.155,11.823,14.779,11.823c6.015,0,10.267-2.8,12.912-6.119l8.297,7.105c-4.408,5.65-11.668,9.8-21.831,9.8
			c-15.091,0-26.5-10.578-26.5-26.758c0-15.868,10.838-26.655,25.255-26.655C469.035,58.658,478.887,69.652,478.887,84.743
			L478.887,84.743z M454.358,69.446c-6.481,0-11.615,3.682-13.327,10.423h25.931C465.456,73.595,461.152,69.445,454.358,69.446
			L454.358,69.446z"/>
		<polygon fill="#F9F9F9" points="569.346,35.79 569.346,111.241 556.538,111.241 556.538,60.681
			556.381,60.681 535.743,96.723 527.342,96.723 506.703,60.681 506.547,60.681 506.547,111.241 493.74,111.241 493.74,35.79
			506.6,35.79 531.492,80.957 531.7,80.957 556.487,35.79 	"/>
		<path fill="#F9F9F9" d="M628.334,84.743c0,1.815-0.156,3.786-0.312,4.719h-37.752
			c1.557,7.363,7.155,11.823,14.779,11.823c6.015,0,10.267-2.8,12.912-6.119l8.297,7.105c-4.408,5.65-11.668,9.8-21.831,9.8
			c-15.091,0-26.5-10.578-26.5-26.758c0-15.868,10.838-26.655,25.255-26.655C618.482,58.658,628.334,69.652,628.334,84.743
			L628.334,84.743z M603.805,69.446c-6.482,0-11.615,3.682-13.327,10.423h25.931C614.902,73.595,610.599,69.445,603.805,69.446
			L603.805,69.446z"/>
		<path fill="#F9F9F9" d="M687.84,33.042v78.199h-11.357v-6.947h-0.206
			c-3.785,4.979-9.49,7.777-16.854,7.777c-14.365,0-25.099-10.475-25.099-26.497c0-15.663,10.733-26.915,24.995-26.915
			c6.793,0,12.497,2.385,16.386,7.001h0.26V33.042H687.84z M676.431,85.624c0-9.178-6.171-16.179-15.09-16.179
			c-8.297,0-14.935,6.223-14.935,16.18c0,9.18,6.119,15.66,14.883,15.66C669.743,101.285,676.431,95.012,676.431,85.624"/>
		<path fill="#F9F9F9" d="M697.797,43.827c0-4.304,3.525-7.882,8.037-7.882
			c4.356,0,7.986,3.578,7.986,7.882c0,4.355-3.63,7.883-7.986,7.883C701.323,51.71,697.797,48.182,697.797,43.827 M699.819,59.436
			h11.875v51.805h-11.875V59.436z"/>
		<path fill="#F9F9F9" d="M773.616,59.437v51.805h-11.357v-6.948h-0.154
			c-3.787,4.978-9.335,7.777-16.491,7.777c-14.365,0-25.099-10.475-25.099-26.497c0-15.662,10.733-26.915,24.994-26.915
			c6.586,0,12.135,2.386,16.023,7.001h0.209v-6.224L773.616,59.437z M747.479,101.285c8.037,0,14.727-6.274,14.727-15.661
			c0-9.178-6.17-16.178-14.675-16.178c-8.297,0-14.935,6.223-14.935,16.179C732.596,94.804,738.715,101.285,747.479,101.285
			L747.479,101.285z"/>
		<path fill="#FFFFFF" d="M17.429,90.906c-5.847-0.38-11.493-0.819-16.932-1.306
			c0.419,5.623,1.026,11.1,1.811,16.43c5.352,0.901,10.918,1.692,16.653,2.389C18.304,102.743,17.784,96.907,17.429,90.906"/>
		<path fill="#FFFFFF" d="M85.607,92.178c-0.173,6.361-0.416,12.544-0.728,18.521
			c6.155-0.299,12.142-0.729,17.953-1.299c0.556-5.808,1.003-11.798,1.299-17.938C98.143,91.772,91.962,92.005,85.607,92.178"/>
		<path fill="#FFFFFF" d="M45.259,92.178c-6.364-0.173-12.555-0.405-18.542-0.716
			c0.31,6.141,0.752,12.131,1.311,17.938c5.813,0.57,11.797,1,17.949,1.299C45.667,104.722,45.417,98.539,45.259,92.178"/>
		<path fill="#FFFFFF" d="M18.961,35.588c-5.735,0.685-11.3,1.484-16.653,2.378
			c-0.785,5.341-1.391,10.811-1.811,16.438c5.439-0.485,11.085-0.916,16.932-1.309C17.784,47.099,18.304,41.267,18.961,35.588"/>
		<path fill="#FFFFFF" d="M65.433,23.441c3.181,0,6.331,0.057,9.427,0.136
			c-0.184-5.857-0.407-11.531-0.654-16.995c-2.89-0.115-5.822-0.172-8.773-0.172c-2.968,0-5.895,0.057-8.776,0.172
			c-0.249,5.464-0.473,11.138-0.668,16.995C59.097,23.498,62.247,23.441,65.433,23.441"/>
		<path fill="#FFFFFF" d="M101.851,25.533c-0.696-5.728-1.498-11.29-2.39-16.659
			c-5.338-0.777-10.816-1.392-16.434-1.809c0.495,5.449,0.925,11.105,1.308,16.943C90.33,24.355,96.177,24.872,101.851,25.533"/>
		<path fill="#FFFFFF" d="M46.524,24.008c0.383-5.839,0.813-11.494,1.305-16.943
			c-5.623,0.416-11.098,1.031-16.431,1.808c-0.886,5.369-1.694,10.931-2.39,16.66C34.688,24.872,40.521,24.354,46.524,24.008"/>
		<path fill="#FFFFFF" d="M65.433,51.557c3.404,0,6.764,0.025,10.084,0.063
			c-0.092-6.406-0.218-12.654-0.372-18.676c-3.194-0.091-6.436-0.134-9.712-0.134c-3.287,0-6.518,0.043-9.718,0.134
			c-0.16,6.022-0.288,12.27-0.372,18.676C58.661,51.582,62.022,51.557,65.433,51.557"/>
		<path fill="#FFFFFF" d="M44.982,72.004c0-3.407,0.02-6.772,0.067-10.083
			c-6.42,0.083-12.658,0.205-18.693,0.364c-0.075,3.201-0.117,6.44-0.117,9.718c0,3.287,0.042,6.51,0.117,9.721
			c6.035,0.147,12.273,0.285,18.693,0.363C45.002,78.768,44.982,75.407,44.982,72.004"/>
		<path fill="#FFFFFF" d="M75.615,61.821c-3.345-0.032-6.744-0.042-10.182-0.042
			c-3.449,0-6.848,0.01-10.193,0.042c-0.025,3.345-0.037,6.737-0.037,10.183c0,3.44,0.012,6.836,0.037,10.188
			c3.345,0.02,6.744,0.028,10.193,0.028c3.438,0,6.837-0.009,10.182-0.028c0.025-3.352,0.034-6.747,0.034-10.188
			C75.649,68.559,75.64,65.167,75.615,61.821"/>
		<path fill="#FFFFFF" d="M85.607,51.83c6.355,0.168,12.536,0.414,18.525,0.718
			c-0.296-6.152-0.743-12.134-1.299-17.941c-5.811-0.564-11.798-1.007-17.953-1.305C85.191,39.289,85.434,45.459,85.607,51.83"/>
		<path fill="#FFFFFF" d="M45.259,51.83c0.159-6.37,0.408-12.541,0.718-18.528
			c-6.152,0.298-12.136,0.741-17.949,1.305c-0.559,5.807-1.001,11.789-1.311,17.941C32.704,52.244,38.895,51.998,45.259,51.83"/>
		<path fill="#FFFFFF" d="M65.433,92.448c-3.41,0-6.772-0.024-10.09-0.069
			c0.084,6.423,0.212,12.649,0.372,18.682c3.2,0.095,6.431,0.137,9.718,0.137c3.276,0,6.518-0.042,9.712-0.137
			c0.154-6.032,0.28-12.259,0.372-18.682C72.197,92.424,68.836,92.448,65.433,92.448"/>
		<path fill="#FFFFFF" d="M85.873,72.004c0,3.403-0.025,6.764-0.067,10.084
			c6.417-0.078,12.655-0.216,18.69-0.363c0.075-3.211,0.123-6.434,0.123-9.721c0-3.278-0.048-6.518-0.123-9.718
			c-6.035-0.159-12.273-0.281-18.69-0.364C85.847,65.231,85.873,68.597,85.873,72.004"/>
		<path fill="#FFFFFF" d="M111.896,108.419c5.744-0.696,11.297-1.487,16.658-2.39
			c0.777-5.33,1.395-10.805,1.814-16.43c-5.445,0.487-11.093,0.927-16.946,1.307C113.073,96.907,112.562,102.742,111.896,108.419"/>
		<path fill="#FFFFFF" d="M113.987,72.004c0,3.186-0.048,6.333-0.143,9.44
			c5.878-0.201,11.547-0.419,17.016-0.665c0.101-2.89,0.168-5.812,0.168-8.775c0-2.958-0.067-5.89-0.168-8.776
			c-5.469-0.247-11.138-0.467-17.016-0.673C113.939,65.671,113.987,68.818,113.987,72.004"/>
		<path fill="#FFFFFF" d="M29.008,118.467c0.696,5.744,1.504,11.292,2.39,16.658
			c5.333,0.78,10.808,1.389,16.431,1.812c-0.492-5.439-0.922-11.085-1.305-16.933C40.521,119.646,34.688,119.126,29.008,118.467"/>
		<path fill="#FFFFFF" d="M65.433,120.563c-3.186,0-6.336-0.05-9.444-0.137
			c0.195,5.865,0.419,11.541,0.668,17.004c2.881,0.108,5.808,0.159,8.776,0.159c2.951,0,5.883-0.051,8.773-0.159
			c0.247-5.463,0.47-11.139,0.654-17.004C71.764,120.514,68.614,120.563,65.433,120.563"/>
		<path fill="#FFFFFF" d="M84.335,120.004c-0.383,5.848-0.813,11.493-1.308,16.933
			c5.618-0.422,11.096-1.032,16.434-1.812c0.892-5.366,1.694-10.915,2.39-16.657C96.177,119.126,90.33,119.646,84.335,120.004"/>
		<path fill="#FFFFFF" d="M16.87,72.004c0-3.186,0.036-6.333,0.137-9.449
			C11.138,62.761,5.466,62.98,0,63.228c-0.115,2.887-0.165,5.819-0.165,8.776c0,2.963,0.05,5.886,0.165,8.775
			c5.466,0.246,11.138,0.464,17.007,0.665C16.906,78.337,16.87,75.189,16.87,72.004"/>
		<path fill="#FFFFFF" d="M113.422,53.096c5.853,0.393,11.501,0.823,16.946,1.308
			c-0.419-5.626-1.037-11.096-1.814-16.437c-5.361-0.894-10.914-1.694-16.658-2.378C112.562,41.268,113.073,47.099,113.422,53.096"/>
	</svg>

	<small>© 2018 SourceMedia. All rights reserved.
</small>
</div>
				
			</div>
		</div>
	</div>
</div>

	
</div>


        
            <div class="floating-sheet "
    data-sm-floating-sheet
    data-sm-floating-sheet-options=''>
    <div class="floating-sheet-header">
        <div class="floating-sheet-title">
            
        </div>
        <div class="floating-sheet-button--close"></div>
    </div>

    <div class="floating-sheet-content">
        
    </div>
</div>

        

        
<!-- Quantcast Tag -->
<script type="text/javascript">
var _qevents = _qevents || [];
(function()
{ var elem = document.createElement('script'); elem.src = (document.location.protocol == "https:" ? "https://secure" : "http://edge") + ".quantserve.com/quant.js"; elem.async = true; elem.type = "text/javascript"; var scpt = document.getElementsByTagName('script')[0]; scpt.parentNode.insertBefore(elem, scpt); }
)();
_qevents.push(
{ qacct:"p-a2frTBW8R4ZJc" }
);
</script>
<noscript>
<div style="display:none;">
<img src="//pixel.quantserve.com/pixel/p-a2frTBW8R4ZJc.gif" border="0" height="1" width="1" alt="Quantcast"/>
</div>
</noscript>
<!-- End Quantcast tag -->


        <a  href id="productTrigger" style="display:none;" title="Product Subscription" data-sm-subscription-modal data-sm-subscription-modal-url="/auth/registration-subscription" data-trigger-point="BounceX" data-cms-ai="0"></a>
        <!-- Site Footer Code -->
<!-- Twitter single-event website tag code -->
<script src="//platform.twitter.com/oct.js" type="text/javascript"></script>
<script type="text/javascript">twttr.conversion.trackPid('nugmz',
{ tw_sale_amount: 0, tw_order_quantity: 0 }
);</script>
<noscript>
<img height="1" width="1" style="display:none;" alt="" src="https://analytics.twitter.com/i/adsct?txn_id=nugmz&p_id=Twitter&tw_sale_amount=0&tw_order_quantity=0" />
<img height="1" width="1" style="display:none;" alt="" src="//t.co/i/adsct?txn_id=nugmz&p_id=Twitter&tw_sale_amount=0&tw_order_quantity=0" />
</noscript>
<!-- End Twitter single-event website tag code -->
<!-- Lytics CSS override -->
<script>
(function(d, w, u){var head = document.getElementsByTagName("head")[0]; var link = document.createElement("link"); link.rel = "stylesheet"; link.type = "text/css"; link.href = u; link.media = "all"; head.appendChild(link);}(document, window, "https://storage.googleapis.com/sourcemedia-personalize/hosted/fnp/pfa-override.css"));
</script>
<!-- End Lytics CSS override -->
    <script type="text/javascript" src="//www.financial-planning.com/_resource/analytics.js" data-cms-main-id="0000014f-94aa-d466-a16f-d7faa6080000,0000015e-1949-d3f8-a77f-dd5935cc0000" data-cms-ids="[&quot;0000014f-94aa-d466-a16f-d7faa6080000,0000015e-1949-d3f8-a77f-dd5935cc0000&quot;]"></script></body>
</html>
