Employees (including executives) are subject to insider trading policies that commonly include restrictions on complex products such as derivatives (including variable prepaid forwards, and exchange funds). These are commonly marketed and solicited by advisors to these insider policy covered individuals as a means to divest their executive/equity compensation. They are often not caught by trading surveillance software but could result in disciplinary action up to termination, investor concerns, etc. Appropriateness rules for Advisors should be updated to protect these individuals and firms should be required to provide internal control procedures.