Abstract: One embodiment of the disclosure is a method, performed by a sponsor offering a financial plan to a customer, for transferring risk associated with a financial plan that includes receiving indemnification from an issuer managing the financial plan, such that the indemnification indemnifies the sponsor of the financial for one or more claims brought by the customer of the financial plan and associated with a financial account, such that the financial account is associated with the financial plan and comprising one or more financial investments. The method further includes generating a notice to the customer, such that the notice notifies the customer of the customer's enrollment in the financial plan unless the customer elects to opt out of one or more features of the financial plan, such that the notice includes an opt-out. The method further includes storing an acknowledgement of the opt-out by the customer.