When collecting client information for planning, what must be obtained before sharing data with third parties?

• A. Informed consent from the client, specify recipient and purpose, and provide opt-out if applicable.
• B. Consent is not required if the client agrees verbally.
• C. Consent is automatically granted by the client when signing the plan.
• D. Consent is only needed for marketing purposes.

Answer: (A)

Informed consent must be obtained before sharing client information with third parties. This means the client understands exactly who will receive the data, for what purpose, and any options to opt out if applicable. This protects the client’s privacy, preserves autonomy, and ensures transparency about how their information will be used beyond the initial planning relationship. Verbal agreement is not enough because it may lack the specifics of who is involved and why data will be shared, and it may not clearly document the client’s right to withdraw. Consent is not automatically granted by signing a plan, since signing does not authorize ongoing or broad data sharing beyond what was explained. Consent is not limited to marketing purposes; it’s necessary for any third-party disclosure related to planning, with clear details about recipients and purposes and opportunities to opt out.