This course will provide an overview of 401(k)s and other qualified plans used in retirement planning. Topics included are plans and their characteristics, how to help clients choose a plan for their business and employees, and the benefits and drawbacks of each. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 106686
Training Topics
- ERISA - Types of Plans - Designing the Right Qualified Plan - Defined-Contribution Plans and Nondiscrimination Regulations
Dual Credit
Establishing an appropriate asset mix is a dynamic process and it plays a key role in determining a portfolio's overall risk and return. As such, a portfolio's asset mix should reflect the client's goals at any point in time. There are a few different strategies for establishing asset allocations. This course will review the key models and help the financial advisor develop an asset allocation strategy that is appropriate given the individual client's needs. * This course is not Texas classroom equivalent. Florida Agents: Eligible License CE 9901 - Generic Life and General Lines | Intermediate. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 85959
Training Topics
- Assessing Risk Tolerance - Strategic Asset Allocation - Tactical Asset Allocation - Core-Satellite Asset Allocation - Asset Allocation and Annuities - Retirement Asset Allocation - Asset Allocation and Life Insurance
Dual Credit
This course provides a comprehensive overview of Anti-Money Laundering (AML) compliance, detailing its importance, regulatory frameworks, key components, challenges, and emerging trends. It covers foundational principles like Customer Due Diligence (CDD) and Suspicious Activity Reporting (SAR), regulatory standards from bodies like the FATF, and the impact of technologies such as AI and blockchain. Case studies, including the PlusToken Ponzi scheme and one firm's legal challenges, illustrate practical applications and the evolving landscape of AML efforts. The course also emphasizes the need for ongoing education, collaboration, and proactive measures in combating financial crime.
Dual Credit
This course will provide detailed information on the topic of currency, which can be used as an Alternative Investment Strategy. The basic structure of a currency investment will be discussed, as well as its risks and potential benefits. Then, an in-depth look at how a currency investment will react to various market movements and conditions. At the conclusion of this course, you should have a solid understanding of how to effectively use and recommend a currency investment strategy to clients.
Training Topics
- Currency Derivatives - Risks - Benefits - Currency as a Defensive Position - How Does a Currency Strategy Perform in Various Market Conditions
Dual Credit
This course will provide detailed information on using a Long / Short Investment Strategy. The basic structure of a Long / Short strategy will be discussed, as well as its risks and potential benefits. Then, an in-depth look at how a Long / Short strategy will react to various market movements and conditions. At the conclusion of this course, you should have a solid understanding of how to effectively use and recommend a Long / Short Alternative Investment Strategy to clients.
Training Topics
N/A
Dual Credit
This course will provide detailed information on using a Market Neutral Alternative Investment Strategy. The basic structure of a Market Neutral strategy will be discussed, as well as its risks and potential benefits. Then, an in-depth look at how a Market Neutral strategy will react to various market movements and conditions. At the conclusion of this course, you should have a solid understanding of how to effectively use and recommend a Market Neutral Alternative Investment Strategy to clients.
Training Topics
N/A
Dual Credit
This course will provide detailed information on using a Multi-Alternative Investment Strategy. The basic structure of a Multi-Alternative strategy will be discussed, as well as its risks and potential benefits. Then, an in-depth look at how a Multi-Alternative strategy will react to various market movements and conditions. At the conclusion of this course, you should have a solid understanding of how to effectively use and recommend a Multi-Alternative Alternative Investment Strategy to clients.
Training Topics
N/A
Dual Credit
This course will provide the student with an overview of correlation, diversification, suitability and a variety of alternative investment products including their requirements, risks and rewards.
Training Topics
- Introduction - Non-Correlation of Returns - Comparison of Trend-following, Systematic Trading and Discretionary Trading Strategies - Overview of Common Alternative Investments - Accredited Investors and Minimum Investments - Alternative Funds as Mainstream Investments
Dual Credit
This course was developed to address concerns of the Financial Regulatory Authority (FINRA) and the Securities and Exchange Commission (SEC) regarding the sale and suitability of alternative mutual funds. The alternative funds market has skyrocketed since the economic crisis of 2008. Such explosive numbers in the alternative funds sector have caused the market, retail investors, and media to stand up and take notice; and so have FINRA and the SEC. FINRA and the SEC are the regulating agencies of registered mutual funds.
Training Topics
- This course addresses the components of: - Alternative funds - Alternative strategies applied to the funds and whether they meet suitability requirements for the retail customer - Disciplinary actions taken by FINRA - SEC illustrate the importance of implementing suitability requirements when recommending alternative funds as part of a portfolio diversification strategy
Dual Credit
This course will review the customer due diligence guidance and regulations established by the various organizations formed to combat criminal use of financial systems around the world and then focus on the most recent regulations adopted by the U.S. Treasury. FL Agents: Eligible License CE9900 Generic Life/Health and Variable | Intermediate. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 104148
Training Topics
- AML Organizations - Recommendations and Regulations for UBOs - FinCEN Final Rule - Covered Financial Institutions - Ownership and Control - Customer Due Diligence - Risk-Based Requirements - Complex Structures - Offshore Challenges
Dual Credit
This course is intended for registered representatives and supervisors that maintain a solid understanding of mutual fund basics and/or are involved in managing mutual fund accounts. This course discusses different asset types, risk levels and how to determine the return on each asset. The course also touches on important factors to consider in an investment strategy, as well as practical examples of client portfolios, based on risk profiles, risk tolerance, financial goals, and horizons.
Dual Credit
This course will cover the specific state requirement and recently amended rules for producers who will be recommending annuity products. Specifically, it will cover the new rules that require producers to put the best interest of their clients ahead of their own, and which establishes additional requirements related to the best interest obligation, recommendations, disclosure, firm oversight, and training requirements. This training must be completed prior to selling annuities, unless a producer has previously completed a four-hour annuity training course, and also completes a top off one-hour training within the first six months of the rules being in effect.
This course provides information for representatives and supervisors regarding the use of complex/alternative investment strategies.
Training Topics
-Types of alternative strategies, and how they employ derivatives and other alternatives achieve strategic investment objectives such as hedging risk, mitigating volatility, or magnifying gains to achieve better performance in a variety of market conditions. -Modern Portfolio Theory (MPT) statistics (alpha, beta, Shape ratio, R-squared, standard deviation) and the use of alternatives within an MPT framework. -Costs, risks and benefits of alternative strategies
Dual Credit
This course aims to equip participants with a robust understanding of the group benefits industry, covering a broad spectrum of topics from the evolution of employee group benefits to the latest trends shaping the future of employer and employee offerings. With a focus on real-world applications, regulatory compliance, and strategic planning, learners will gain the tools necessary to navigate the complexities of the field effectively. This course is meticulously designed to cover the essentials of group benefits, delve into specialized topics, and explore the latest trends and innovations. Each chapter stands on its own while interconnecting with others to provide a holistic understanding of the industry.
Estate planning is the process in which consideration is given to accumulating and allocating income and assets for the purpose of creating a better quality of life for an individual and others during life and for their heirs after death. To achieve the goals sought by estate planning, the accumulation and retention of income and assets must be accomplished by avoiding the severe impact of income, estate and gift taxes, as well as ensuring the desired disposition of assets at death. This course will provide you an understanding of the key components of estate planning to allow you to create the appropriate financial plan for your client. * This course is not Texas classroom equivalent. FL Agents: Eligible License CE 9900 - Generic Life/Health and Variable | Intermediate. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 86019
Training Topics
- Value of Estate Planning - The Estate Planning Process - Property Transfers Upon Death - Estate Planning Documents Types of Trust Used in Estate Planning - Estate and Gift Tax Basics Life Insurance and the Estate Plan
Dual Credit
The objective of this course is to provide an understanding of the need for planning for retirement income needs as a part of the financial planning process. The topics covered include the need for planning, asset allocation, annuitization, and payout options available. The course concludes with an enumeration of the steps that need to be taken to plan for retirement income, including a detailed case study. * This course is not Texas classroom equivalent.
Training Topics
- Current Market Statistics - Money for Retirement - Future Income Needs - The Time Value of Money - Risk Tolerance - Types of Risk - Measuring Risk - Erosion of Purchasing Power - Tax Traps - Choosing a Type of Payout - Asset Allocation
Dual Credit
This course is intended for registered representatives, insurance agents, financial planners, and supervisors who open retirement accounts for retail investors and advise them on issues related to financial planning and estate planning. Due to the ever-changing economic status of our country, many individuals have realized the importance of planning for retirement and death. It is becoming necessary for people to seek professional advice on how to manage their finances. Many individuals are unable to effectively plan how they want their estate distributed upon their death. That is why it is very important that they seek the help of legal, tax financial experts, insurance agents, and financial planners Through this course, representatives are presented with an effective way to help plan their clients' estates more efficiently. Since Estate Planning is part of the financial planning process, the term "Financial Planner" will be used as a general term.
Dual Credit
This course is intended as an introductory course to investments for registered representatives. The course discusses bonds, dollar-cost averaging, diversification, fixed annuities, compounding and inflation, mutual funds, tax-free bonds, and variable annuities.
Training Topics
- What is a Bond? - What is Dollar Cost Investing? - What is Diversification? - What is Fixed Annuity? - Understanding Compounding Inflation - What is a Tax Free Bond? - What is a Variable Annuity?
Dual Credit
In 2011 the Baby Boomer Generation began turning 65. Those who have not reached this hallmark age are all in their 50s. This generation is the largest of the U.S. population. The growth of this senior population is unlike anything our country has seen. Unfortunately, it is going to come at great expense. The purpose of senior needs planning is to identify and fund a specific and comfortable amount of net annual retirement income. This course is designed to help financial professionals understand the various risks and challenges today's retirees face and teaches you how to develop a plan for your clients so they may sustain their lifestyles throughout retirement. Due to the prerequisite of a thorough understanding of all available investment vehicles, this course is designated as Intermediate *This course is not Texas classroom equivalent. FL Agents: Eligible License CE 2-18 - Life and Health | Intermediate. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 83757
Training Topics
- Retirement Income Needs - Minding the Gap - Reverse Mortgage - Inflation - Annuity Payout Options - Paying Current Tax on Your Lump-Sum Payment - Questions about Distributions - Tax on Early Distributions from Retirement Plans, other than IRAs - Settlement Options, Annuities - Premiums - Social Security - Healthcare Needs - Legal Protection
Dual Credit
This course provides an understanding of the concepts of asset allocation and its importance in financial planning. The topics covered include the definitions of asset allocation and asset classes, the concepts of risk and how they relate to the asset allocation process, and a discussion of the client information that is needed to properly allocate the client assets.
Training Topics
- Value-at-Risk - Volatility & Standard Deviation - Correlation - Diversification - Reduction of Portfolio Risk - Value of Diversification - Investor Objectives - Liquidity - Risk Tolerance - Indifference Curve - Time Horizon
Dual Credit
This course discusses the benefits and risks associated with different types of rollovers, eligible assets, options for rollover destinations and providers, and the focus by regulators on rollover-related advertising.
Training Topics
- Rollover risks and benefits - The different types of rollovers - Regulatory Notice 13-45: firms' responsibilities concerning IRA rollovers - Rolling over to IRAs vs. to another employer-sponsored retirement plan - Rollovers to Roth IRAs - Rollover-related conflicts of interest - FINRA guidelines for rollover advertising
Dual Credit
Planning for Retirement can involve multitudes of subjects. The more people are educated on the value of annuities, the more they will want this product. One of the last things on young couples' minds is retirement planning. Couples may think about who would care for their children if they died. They may have had a will drawn up to protect their property for their heirs. Providing an income for their retirement, however, seems to be the last to be planned. The earlier a young couple plans for their retirement, the more their retirement will be free from financial anxieties. * This course is not Texas classroom equivalent. FL Agents: Eligible License CE 2-14 - Life and Variable Annuity | Intermediate. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 74355
Training Topics
- Annuities - Annuity Types Identified According to Policy Owners - Annuity Types Identified According to Policy Owners Risk - Who Would a Policyholder Want to Annuitize - Annuity Management Annuity Advantages and Disadvantages - Pension Plans - Long Term Care Insurance - Suitability and Marketing Practices
Dual Credit
This course is designed to explore the relationship between Social Security benefits that are available to workers and their families and retirement planning. The understanding of retirement at the center of our discussion will be the same as what is typically understood by retirement when business owners engage in buy-sell and business succession planning discussions. The course will begin with an exploration of background information, the purpose of which is to shed light on the history of social welfare efforts that led, both directly and indirectly to the enactment of the Social Security Act. This will provide a broad context in which to consider Social Security in the discussions of the three major benefits most closely and almost universally associated with Social Security: Social Security Disability income Benefits, Social Security Retirement Income Benefits, and Medicare. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 118729
Most people want to continue to live in retirement as they did while working. Long-term financial and retirement security is a work in progress. This course will provide a holistic view of retirement planning as a lifelong pursuit for clients and the strategies, techniques and products available to make this a successful endeavor. It begins with what individuals can do to plan for retirement outside of their employment, followed by planning opportunities within their employment, as well as opportunities for those who might also be business owners. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 115261
The connection between IRAs and insurance may not seem obvious and some may believe that IRAs have nothing to do with insurance. In fact, the majority of annuity assets, which are insurance products, are held as IRAs and there is even a section of the tax code specific to IRA annuities. For insurance professionals, it is essential that they understand the rules around IRA annuities when considering them or positioning them for a client. This course examines the rules governing annuities when owned through traditional IRAs, Roth IRAs, SEP IRAs, and SIMPLEs. With respect to traditional IRA annuities, the course considers the issues of eligibility, contribution limits, and how annuities are held. Tax treatment of traditional IRA annuity funds is discussed, including the treatment of contributions, accumulations, transfers, and distributions. The premature distribution penalties and its exceptions are addressed. Roth IRA annuities, created by TRA'97, are discussed, including eligibility, contribution limits, and distributions. Conversions from traditional to Roth IRAs are examined and the tax consequences are discussed. The increased limits authorized by the Economic Growth and Tax Relief Reconciliation Act of 2001 are addressed and the age 50+ catch-up provisions are explained.
Training Topics
IRAs, annuity funds, eligibility, contribution limits, insurance
As an investment professional, Individual Retirement Accounts (IRAs) are a natural place to start helping your clients with retirement planning. The IRA is a powerful tax-advantaged investing tool that helps clients retire in dignity. There are several types of IRAs as of 2020: traditional IRAs, Roth IRAs, SEP IRAs, and SIMPLE IRAs. This series gives you a better understanding of IRA types and some of the decisions your clients may face in planning for retirement. This course is not Texas classroom equivalent. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 61675
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