Sullivan reports that it is "a problem that is increasing at all wealth levels, from individuals with small investment accounts to family offices that serve the wealthiest clients." Email fraud has increased fivefold during the past two years. Financial firms are now using multiple forms of online identity verification. Using an unsecured public wireless network for financial transactions is not a safe choice. Neither is using an email address in the user name field a safe way to login to an investment account. Sullivan urges us all to choose financial partners who have more secure processes than those we are familiar and comfortable with and also to do more monitoring ourselves.