Privacy Policy
Last updated: April 20, 2026
1. Firm Identification
Wealth In Yourself is a registered investment adviser with the State of Nevada. CRD #322123.
- Principal:Josh St. Laurent, MS, CFP®, CFT™, APFC®, ACC
- Principal Office: Lake Tahoe, Nevada
- Contact: josh@wealthinyourself.com
2. Purpose and Scope
This Privacy Policy describes how Wealth In Yourself (“the Firm,” “we,” “us,” or “our”) collects, uses, discloses, and protects the nonpublic personal information (“NPI”) and personal information (“PI”) of our clients, prospective clients, and website visitors. This policy is provided in accordance with Regulation S-P (17 CFR Part 248), the California Consumer Privacy Act (“CCPA”), and Nevada Revised Statutes Chapter 603A.
This policy applies to all information collected through our advisory services, website (wealthinyourself.com), intake forms, communications, meeting recordings, and technology systems used in the delivery of advisory services.
3. Categories of Information We Collect
3.1 Information You Provide Directly
- Full legal name, date of birth, Social Security number, and government-issued identification
- Contact information including mailing address, email address, and phone number
- Marital and family status, dependents, and beneficiary designations
- Employment information, income, and compensation details
- Assets, liabilities, net worth, and account information
- Investment objectives, risk tolerance, and time horizons
- Tax returns, estate planning documents, and insurance policies
- Business ownership details, entity structures, and operating agreements
- Real estate holdings and related financial data
- Banking and brokerage account numbers and statements
- Values, life goals, and personal priorities shared during financial life planning sessions
3.2 Information We Collect Through Our Systems
- Meeting recordings and transcripts from video conference sessions
- Email communications and correspondence
- Intake form responses and questionnaire data
- Website browsing data, cookies, and analytics
- Scheduling and calendar information
- Signed agreements and contracts
- Billing and payment information
3.3 Information We Receive From Third Parties
- Account holdings, balances, and transaction data from custodians
- Credit and background information from reporting agencies (only with your consent)
- Account aggregation data from linked financial accounts
- Referral information from professionals in your service network
4. How We Use Your Information
- Providing personalized financial planning and investment advisory services
- Preparing financial plans, projections, and recommendations
- Executing investment transactions through our custodian
- Managing your client dashboard with meeting notes, action items, and deliverables
- Processing and summarizing meeting recordings and transcripts
- Drafting and sending communications related to your advisory engagement
- Generating and managing billing and invoicing
- Complying with regulatory requirements, including recordkeeping obligations
- Improving our advisory processes and client experience
- Marketing our services (only with aggregated, de-identified data; never your personal details)
5. Artificial Intelligence and Technology Disclosure
5.1 Categories of AI Usage
- Meeting transcript summarization
- Email triage
- Content creation
- Dashboard management
- Scheduling automation
- Financial plan prep support
5.2 Human Oversight Commitment
All AI-generated outputs that are client-facing or that inform advisory recommendations are reviewed by Josh St. Laurent before delivery.
5.3 AI Data Handling
Client data processed by AI systems is subject to the same confidentiality protections. We do not use client data to train AI models.
6. Third-Party Service Providers
We engage the following third-party service providers in the delivery of our advisory services. Each provider receives only the minimum information necessary to perform its function.
| Category | Provider | Data Shared |
|---|---|---|
| Custodian | Altruist | Assets, PII, account data, transaction instructions |
| CRM Platform | GoHighLevel | Contact information, communications, pipeline status |
| Client Dashboard | Notion | Meeting notes, action items, deliverables |
| Financial Planning Software | RightCapital | Financial data, goals, projections |
| Cash Flow Management | Monarch Money | Budget data, linked account aggregation |
| Cash Flow Automation | Sequence | Bank account details, automated transfer instructions |
| Cloud Workspace | Google Workspace | Email, calendar, documents, file storage |
| AI Processing | Anthropic (Claude) | Transcript text, communication drafts, data organization |
| Video Conferencing | Zoom | Meeting recordings, transcripts, calendar integration |
| Digital Signatures | Adobe Sign | Contracts and agreements containing PII |
| Accounting | QuickBooks Online | Billing data, invoice records |
| Intake Forms | Involve.me | Questionnaire responses containing financial data |
7. Disclosure of Your Information
7.1 We Do Not Sell Your Personal Information
We do not sell, rent, or trade your nonpublic personal information or personal information to any third party for any purpose.
7.2 Permitted Disclosures
We may disclose your information only in the following circumstances:
- To our custodian and service providers as necessary to deliver advisory services
- To comply with applicable laws, regulations, or legal proceedings
- To respond to regulatory examinations or investigations
- To protect our rights, privacy, safety, or property
- With your express written consent
7.3 Opt-Out Rights
You have the right to opt out of certain information sharing. To exercise this right, contact us at josh@wealthinyourself.com. We will process your request within 30 days.
8. California Consumer Privacy Act (CCPA) Disclosures
8.1 Your Rights Under the CCPA
If you are a California resident, you have the following rights under the CCPA:
- Right to Know: You may request that we disclose the categories and specific pieces of personal information we have collected about you.
- Right to Delete: You may request that we delete personal information we have collected, subject to certain exceptions required by law or regulation.
- Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights.
8.2 Categories of Personal Information Collected
We collect the categories of personal information described in Section 3 of this policy, including identifiers, financial information, professional information, and internet activity data.
8.3 Business Purpose for Collection
We collect personal information for the business purposes described in Section 4 of this policy.
8.4 Sale of Personal Information
We have not sold personal information in the preceding 12 months and do not sell personal information.
8.5 Exercising Your Rights
To exercise your CCPA rights, contact us at josh@wealthinyourself.com. We will verify your identity before processing your request and respond within 45 days.
8.6 Authorized Agents
You may designate an authorized agent to submit a request on your behalf. We may require proof of the agent's authorization and verify your identity directly.
9. Data Retention
We retain your information for the following minimum periods in accordance with regulatory requirements:
| Record Type | Retention Period |
|---|---|
| Client advisory records | Minimum 5 years |
| Financial plans | 6 years |
| Meeting recordings | Duration of engagement plus 5 years |
| Marketing records | 5 years |
| Billing records | 7 years |
10. Data Security
We implement the following security measures to protect your information:
- Encryption of data in transit (TLS/SSL) and at rest where supported by our service providers
- Multi-factor authentication on all systems containing client data
- Role-based access controls limiting data access to authorized personnel
- Regular review of third-party service provider security practices
- Secure disposal of records containing personal information
- Password-protected and encrypted devices used for advisory operations
- Ongoing monitoring for unauthorized access or suspicious activity
11. Breach Notification
11.1 What Constitutes a Breach
A data breach occurs when there is unauthorized access to, or acquisition of, unencrypted personal information that compromises the security, confidentiality, or integrity of the information.
11.2 Notification Commitment
In the event of a data breach affecting your personal information, we will notify you within 60 days of discovery. We will also notify the Nevada Attorney General as required by Nevada Revised Statutes Chapter 603A.
12. Annual Notice
We will provide you with a copy of this privacy policy annually, as required by Regulation S-P. The most current version is always available on our website at wealthinyourself.com/privacy-policy.
13. Website Cookies and Tracking
Our website may use cookies and similar tracking technologies to improve your browsing experience and analyze website traffic. We use analytics tools to understand how visitors interact with our website. This data is collected in aggregate and does not identify individual visitors.
When you submit your email address to receive a lead magnet or resource, your email is used solely to deliver the requested content and, if you opt in, to send periodic educational communications. You may unsubscribe at any time.
You may disable cookies in your browser settings. Doing so may affect your experience on our website but will not affect your access to our advisory services.
14. Your Consent to AI Processing
By engaging our advisory services, you consent to the use of artificial intelligence tools as described in Section 5 of this policy. If you have questions or concerns about our use of AI, or if you wish to opt out of certain AI processing, please contact us at josh@wealthinyourself.com.
15. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or regulatory requirements. We will notify you of material changes by posting the updated policy on our website and, for current clients, by providing notice through our regular communication channels. The “Last updated” date at the top of this page indicates when this policy was last revised.
16. Contact Us
If you have questions about this Privacy Policy or wish to exercise any of your rights, please contact us:
Wealth In Yourself
Josh St. Laurent, CFP®, CFT™, APFC®, ACC
Email: josh@wealthinyourself.com
Website: wealthinyourself.com