This package includes 30 hours of CFP Board Approved CE, including 2 hours of Ethics. The package price does not include any additional fees the CFP Board may charge for reporting.
Dual Credit
Dual Credit
Dual Credit
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
This course will review the custody rule, the amendments to it over the years, the different triggers for custody, and who is a qualified custodian. By the end of the course, students will have a better understanding of what it means to take custody, the impact of this, and the regulations surrounding being a custodian.
NOTE: IAR CE courses cannot be repeated for credit. Duplicate completion credit(s) will not be accepted.
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 is intended for registered representatives, investment advisors, institutional representatives, traders, analysts and supervisors who have a well-rounded background in the issuance, distribution and risk-analysis of conventional securities. Those taking this course should already have an intermediate understanding of the securities markets. This course will cover the topic of mutual funds, beginning with basic features, characteristics and benefits. The course will wrap-up by discussing tax considerations, break point abuse and asset allocation.
Training Topics
- What are Mutual Funds? - Mutual Fund Pricing - Types of Investment Companies - Fund Investment Objectives - Mutual Fund Risks - Taxation - Fund Structure - Fees and Expenses - Mutual Fund Break Points - Asset Allocation
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 is intended for registered representatives, primarily investment advisors, including their compliance staff and supervisors. This IAR Ethics course provides an in-depth look at the history and characteristics of ethics as it applies to the financial industry and particularly investment advisers. It's also a look at ethics as a general business topic and how ethics, morality, and fraud intersect. Topics include the standards by which a professional should be judged, ethical regulations and rule of law, case studies, new continuing education platform, and what might be ahead for ethical standards.
NOTE: IAR CE courses cannot be repeated for credit. Duplicate completion credit(s) will not be accepted.
Dual Credit
This course covers the SEC's Marketing Rule and its impact on advisors; including conditions surrounding investment performance advertising, testimonials and endorsements, and prohibited practices. The course will also review how communication should be handled on social media in light of the rule. By the end of the course, learners will be able to summarize the new marketing rule's key components effectively.
NOTE: IAR CE courses cannot be repeated for credit. Duplicate completion credit(s) will not be accepted.
Dual Credit
This course will review recent Anti-Money Laundering developments including regulatory guidance from the securities and banking industries, FATF cryptocurrency guidance, enforcement actions, a new FinCEN department and several case studies including the Danske Bank AML case and the US' Mueller report. By the end of the course, students will have a better understanding of the front-end of the regulatory environment and how money laundering is detected and prosecuted in modern cases.
NOTE: IAR CE courses cannot be repeated for credit. Duplicate completion credit(s) will not be accepted.
Dual Credit
This course will review recent Anti-Money Laundering developments including regulatory guidance from the securities and banking industries, FATF cryptocurrency guidance, enforcement actions, a new FinCEN department and several case studies including the Danske Bank AML case and the US' Mueller report. By the end of the course, students will have a better understanding of the front-end of the regulatory environment and how money laundering is detected and prosecuted in modern cases.
NOTE: IAR CE courses cannot be repeated for credit. Duplicate completion credit(s) will not be accepted.
The CE credits for this course do not apply toward the 4-hour annuity training requirement. Section I Objectives: Explain basic annuity terms, payout options, and benefits; the annuity's role in an aging America; annuity taxation; the three annuity types (fixed, variable, and equity-indexed (EIA)). Section II Objectives: Compare fixed, equity-indexed, and variable annuity features; advantages, disadvantages, and workings of each product type; and, common product features and calculation methods. Section III Objectives: Explore marketing and suitability choices; typical clients for fixed, variable, and equity-indexed annuities; "Annuity Advantage" uses (such as split annuities and control from the grave); legal and ethical considerations when determining suitability. * 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: 46814
Training Topics
- Basics of Annuities - Fixed - Variable and EIA - Marketing Opportunities - Who is Buying Annuities
Dual Credit
The CE credits for this course do not apply toward 4 hour annuity training requirement. "This course is designed to introduce financial planners and insurance professionals to the world of annuities." It looks at the development and distribution of the product. It differentiates between fixed and variable annuities, immediate and deferred annuities, and flexible and single premium annuities. It also examines the marketing aspects of annuities and how insurers invest in this retirement vehicle; and finally, it examines current and past tax treatment of annuities. * 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: 76562
Training Topics
- What are Annuities - How Annuities are Used - Taxation of Annuities - Tax Sheltered Annuities - Variable Annuities - Equity Indexed Annuities - Function and Uses of EIAs - Disadvantages of Annuities - The Financial Strengths of Insurers
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 reviews the SEC's Regulation Best Interest standard and its associated materials, including Form CRS, the Investment Adviser Interpretation, and the Solely Incidental Interpretation. The course additionally breaks down several key terms surrounding Reg BI as well as the obligations firms have under this new standard of conduct.
NOTE: IAR CE courses cannot be repeated for credit. Duplicate completion credit(s) will not be accepted.
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 is designed to cover basic compliance requirements of investment advisers, as required by the Investment Advisers Act of 1940 ("Advisers Act") as well as other applicable regulatory requirements. This course serves as educational and informational for novice investment adviser representatives, including those just joining an RIA or starting a new firm. This course also services as a healthy refresher for experienced advisors.
NOTE: IAR CE courses cannot be repeated for credit. Duplicate completion credit(s) will not be accepted.
Dual Credit
This course examines various targets and types of cyber-attacks, their threat to the financial industry, regulatory measures to prevent cyber-crimes and practical steps toward cybersecurity. The course also provides practical advice for investment advisors on steps to reduce risk, as well as the consequences to firms for failing to protect against cybersecurity threats.
NOTE: IAR CE courses cannot be repeated for credit. Duplicate completion credit(s) will not be accepted.
Dual Credit
This course is intended for producers and supervisors that market and sell insurance products to consumers. This course provides a detailed review of the basics of disability insurance and addresses concerns related to individuals and businesses. Topics include the need for disability insurance, how the policies work and how they are issued. Broad issues of a policy such as underwriting, defining a disability and riders will be covered. Several case studies provide excellent examples of issuing the most applicable policies. A representative will be provided with advanced sales solutions to help their clients plan a sound future. * This course is not Texas classroom equivalent.
Training Topics
- Disability Income Insurance - Who Needs Disability Income Insurance - What Disability Income Insurance Accomplishes - Benefit Period - Long and Short Term Disability - Trade Associations - Tax Consequences
Dual Credit
Disability insurance insured incomes in the event a wage earner is unable to work due to an illness or injury that occurs outside of the work environment. This course takes an active view of the various types of disability insurance coverages available, by using real life scenarios, examples and case studies. Employees with eligible disabilities may require the use of short-term, long-term or Social Security Disability benefits or a combination of these options. Business disability policies are covered to ensure a comprehensive look at everything from coverage options to disability fraud by the less obvious. FL Agents: Eligible License 9900 Generic Life/Health/Variable - Misc Subjects | Intermediate. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 96486
Training Topics
- Types of Disabilities - Salary Continuation - Short-Term Disability - Long-Term Disability - Social Security Disability - Coordination of Benefits: Setoffs - Disability for Business Owners - Fraud
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.
This course provides an in-depth look at anti-money laundering (AML) protocols and investment advisor responsibilities. It covers relevant legislation like the USA PATRIOT Act and Bank Secrecy Act, details of the proposed AML program rule for SEC-registered investment advisors, suspicious activity reporting and monitoring requirements, customer due diligence, information sharing procedures, independent testing, and more. The course examines AML case studies in the financial sector, analyzes major vulnerabilities, and summarizes the 2022 National Strategy for Combating Terrorist and Other Illicit Financing. Ideal for investment advisors and those in the financial services industry looking to enhance their AML compliance.
Dual Credit
In offering a look at some of the unique options annuities offer, Equity Indexed Annuities will help financial professionals gain a comfort level when discussing the product with suitable clients. The course also covers the role of fixed annuities in retirement planning as well as a look at the evolution of indexed products. * This course is not Texas classroom equivalent.
Training Topics
- Investment Horizon - Fixed Annuities Features - Participation Rate - Fund Averaging in a Point-to-Point Design - How Design and Features Affect Participation Rate - Buyer Profile - Presenting the Equity Index Annuity to Clients
Dual Credit
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
This course is appropriate for anyone working in the securities industry. It begins with a look at ethical issues facing the industry, and briefly defines ethical standards and why they are important. The course then gives an overview of the regulatory requirements from FINRA and the SEC that are designed to promote ethical standards and provides examples of recent charges. The course concludes with the understanding that rules and regulations alone are not enough to ensure ethical behavior.
NOTE: IAR CE courses cannot be repeated for credit. Duplicate completion credit(s) will not be accepted.
Dual Credit
On completing this course, producers will understand the importance of integrating insurance products into the lives of clients and helping them with investing as part of their financial strategy, planning, and preparation for their futures. Agents will see how personal and professional ethics and ethical practices help agents reach their goals with integrity, as well as review continuing education requirements, new state laws, new federal laws and Acts introduced, which influence the insurance industry. Producers will learn the standards and requirements they are to uphold and how to successfully implement these standards and requirements when dealing with clients and insurance companies. This course will allow producers to create a personal and professional code of ethics they can follow in every aspect of their personal and professional business. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 100339
As the investment advisor and Registered Investment Advisor (RIA) industry faces growing cybersecurity threats, the Securities and Exchange Commission (SEC) has proposed pivotal amendments to regulatory frameworks. This course delves into the evolving landscape of cybersecurity regulations within the financial sector, with a focus on the SEC's proposed rules for advisors and RIA firms.
Dual Credit
As an investment professional, you have the ability to work with clients of all ages and from all walks of life. This includes clients that may be senior citizens or could be considered "vulnerable" due to many different circumstances. Senior and vulnerable investors have been in the regulatory spotlight over the last few years. In fact, additional regulation has recently been enacted to help protect the most vulnerable of clients. Historically, there was little guidance or information on how to ensure investment professionals are taking extra care to prevent harm for these clients. This course will cover regulation that is currently in place to help prevent financial exploitation. It will also explore in depth the relationship between the work you do and how you can ensure your clients' assets are protected.
Dual Credit
This program fulfills the requirement for CFP Board approved Ethics CE. This program is designed to educate CFP professionals on CFP Board's new Code of Ethics and Standards of Conduct, which is effective July 1, 2024.
This course is intended for Investment Advisers and associated investment professionals. In December 2022, a new rule concerning advertising and marketing, which was announced 18 months prior by the Securities and Exchange Commission, went into effect. This course covers the reasons for the new Marketing Rule and its various components. Besides examining general changes in the definition and rules of advertising, this course also covers issues around endorsements and testimonials. With the new Marketing Rule, certain recordkeeping requirements and industry forms were modified as well. You'll learn about those changes and read about regulatory actions already undertaken regarding the new Marketing Rule. What about social media? That's covered too. In addition to describing the workings of the new Marketing Rule, you'll also read about the implementation process from announcement to compliance.
Dual Credit
This course is intended for registered representatives, investment advisors, compliance staff and supervisors that are responsible for working with clients. This course provides an overview of the characteristics of ethics and professionalism. Topics include the standards by which a professional should be judged, as well as a study of ethics on its philosophical and compliance levels.
This course does not satisfy the CFP Ethics requirement
NOTE: IAR CE courses cannot be repeated for credit. Duplicate completion credit(s) will not be accepted.
This course is intended for registered representatives, investment advisors, compliance staff, and supervisors that are responsible for working with clients. This course provides an overview of the characteristics of ethics and professionalism. Topics include the standards by which a professional should be judged, as well as a study of ethics on its philosophical and compliance levels. Additionally, the course introduces the basics of the Investment Adviser's Act and is intended for Investment Advisors, Investment Advisor Representatives, and Certified Financial Planners. Also, of interest and beneficial to financial service industry professionals is how the standards may be changing as well as the latest developments in law(s). The objective of this course is to provide an overview of various definitions and regulations to define what is required of a financial services professional who falls under the Investment Adviser Act.
NOTE: IAR CE courses cannot be repeated for credit. Duplicate completion credit(s) will not be accepted.
Dual Credit
This course is intended for registered representatives, investment advisors, compliance staff and supervisors that are responsible for working with clients. This course provides an overview of the characteristics of ethics and professionalism. Topics include the standards by which a professional should be judged, as well as a study of ethics on its philosophical and compliance levels. Additionally, the course introduces the basics of the Investment Adviser's Act and is intended for Investment Advisor's, Investment Advisor Representatives, and Certified Financial Planners. Also, of interest and beneficial to financial service industry professionals is how the standards may be changing as well as the latest developments in law(s). The objective of this course is to provide an overview of various definitions and regulations to define what is required of a financial services professional who falls under the Investment Adviser Act.
NOTE: IAR CE courses cannot be repeated for credit. Duplicate completion credit(s) will not be accepted.
Dual Credit
This course is intended for registered representatives, investment advisors, compliance staff and supervisors that are responsible for working with clients. This course provides an overview of the characteristics of ethics and professionalism. Topics include the standards by which a professional should be judged, as well as a study of ethics on its philosophical and compliance levels. The objective of this course is to provide an overview of various definitions and regulations to define what is required of a financial services professional who falls under the Investment Adviser Act.
NOTE: IAR CE courses cannot be repeated for credit. Duplicate completion credit(s) will not be accepted.
Dual Credit
This course is intended for registered representatives, investment advisors, compliance staff and supervisors that are responsible for working with clients. This course provides an overview of the characteristics of ethics and professionalism. Topics include the standards by which a professional should be judged, as well as a study of ethics on its philosophical and compliance levels. The objective of this course is to provide an overview of various definitions and regulations to define what is required of a financial services professional who falls under the Investment Adviser Act.
NOTE: IAR CE courses cannot be repeated for credit. Duplicate completion credit(s) will not be accepted.
Dual Credit
This course is intended for registered representatives, investment advisors, compliance staff and supervisors that are responsible for working with clients. This course provides an overview of the characteristics of ethics and professionalism. Topics include the standards by which a professional should be judged, as well as a study of ethics on its philosophical and compliance levels. The objective of this course is to provide an overview of various definitions and regulations to define what is required of a financial services professional who falls under the Investment Adviser Act.
NOTE: IAR CE courses cannot be repeated for credit. Duplicate completion credit(s) will not be accepted.
Dual Credit
By taking a look at the roles and rights of the three parties (owner, annuitant and beneficiary) along with some of the major variations found in different annuity contracts, this course covers many important aspects of income planning for heirs. It will also help the financial advisor better understand the various outcomes of the available annuity contracts and recognize the disposition and tax consequences of each scenario. A beginner's prerequisite of the knowledge of annuities designates this course as 'intermediate.' * This course is not Texas classroom equivalent.
Training Topics
- Owner - Annuitant - Beneficiary - Death Benefit - Understanding the Contract - The Income Phase of an Annuity - Fixed Payments - Taxation of Income Payments - Stretch IRA Technique
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 and their supervisors that work in the area of retirement planning with clients utilizing annuity products. Offering an understanding of equity indexed annuity contracts, this course explores the market and economic conditions that caused equity indexed annuities to evolve. It also discusses how the contracts work and how they differ from declared interest rate fixed annuity contracts. Finally, the course looks at how the equity-linked concept should be positioned within a client's overall portfolio.
Training Topics
-The Equity Indexed Annuity Concept -Keys to Understanding Equity Indexed Annuities -Suitability of Equity Indexed Annuities -Fixed Annuity Features -Sources of Retirement Income -The Evolution of Equity Indexing -Mechanics of EIAs -Indexing Methods -Good Market Conduct
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 for registered representatives and supervisors who open retirement accounts for retail investors and advise them on issues related to retirement and estate planning. The objectives of this course are to provide some history of how gifts and estates have been taxed along with current strategies and application. The historical references will help students understand how various rules, rates, and conditions evolved over the years. This course also provide a general understanding of when the taxes apply and how they are calculated. Certain technical aspects are included where it helps to clarify the application and calculations. However, as with most taxation issues, there are complications that can change results for individuals depending on their specific financial situation. Checking current regulations and further research will be necessary for anyone who provides gift and estate tax advice.
Training Topics
- History of Death and Taxes - The Economic Recovery Act - The Deficit Reduction Act - Tax Reform Act - Phase Out and Repeal of Federal Estate Taxes - Generation-Skipping Taxes - Modification of Gift Tax - Rules for Property Received from a Decedent - Gifting and Strategic Changes - Estate Tax - Tax Forms
This course is designed to cover basic compliance requirements of investment advisers, as required by the Investment Advisers Act of 1940 ("Advisers Act") as well as other applicable regulatory requirements. This course serves as educational and informational for novice investment adviser representatives, including those just joining an RIA or starting a new firm. This course also services as a healthy refresher for experienced advisors.
NOTE: IAR CE courses cannot be repeated for credit. Duplicate completion credit(s) will not be accepted.
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
This course is designed to provide Investment Advisers (IAs) an overview of general requirements and obligations contained in a Code of Ethics (CoE), the background behind the requirements of IAs related to ethics including fiduciary responsibilities, conflicts of interest, and insider trading as well as recognizing common justifications used by unethical actors.
Training Topics
ethics, investment advisers, code of ethics, conflicts of interest, insider trading
Dual Credit
This course takes a comprehensive look at life insurance and how it can be a means of attaining financial security during life and after death. It explains the many applications of life insurance products and how their flexibility allows them to cover a wide range of clients' needs. * 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: 66885
Training Topics
- Term Insurance - Cash Value Insurance - Endowment Insurance - Health Insurance - Group Insurance - HMOS - Planning for Retirement - Annuities - Long Term Care Insurance - Estate Planning Tools - Common Riders - Paying for College - Wills, Probate and Trusts
The agents and brokers who take this course can make a real difference in the lives of countless persons by helping them to understand the need for long-term care, the costs involved and the methods with which to finance it. However, long-term care insurance isn't for everyone. Part of what you will learn from this course is who should and who should not purchase a policy, and if they should, which of the myriad of choices available are best suited to each individual client. NM Agents: This course is available for Life/Health/Variable credit only.
Training Topics
- Long-Term Care Basics - Who Needs Care and Why - Home and Community Care - LTC Services and Facilities Formal Care - The Cost of Long-Term Care - Policy Provisions, Requirements, and Terminology - Home Care Only - Benefits - Inflation Protection, Claims and Care Management - Customer Protection and Suitability Standards - Suitability - Long-Term Care Legislation - Financial Alternatives
This course was developed to meet the requirements of an 8-hour study on Long-Term Care insurance (LTCI) and Long-Term Care Partnerships (LTCPs). Most of these introductory courses are state-specific; however, federal requirements, state statutes, and the recommendations of the National Association of Insurance Commission (NAIC), have deemed 8-hour courses necessary to properly prepare to sell long-term care products - whether individually, as part of a strategic plan, or with an annuity or annuity rider. NM Agents: This course is available for Life/Health/Variable credit only.
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
Regulation Best Interest (Reg BI) represents a significant shift in the regulatory landscape for investment advisors. This course is designed to provide investment advisors with a comprehensive understanding of Reg BI, its requirements, and how to effectively implement it in their practice. By mastering Reg BI, you'll not only ensure compliance but also enhance the quality of advice you provide to clients.
Dual Credit
This course presents the current status of U.S. regulation tied to crypto assets. It covers the types of products involved, the various regulators who claim jurisdiction, recent regulatory actions, and the risks and compliance issues associated with investments in these products. The course also covers anti-money laundering regulations that are specific to conducting business in crypto assets, including the concept of beneficial ownership and the requirements to collect, verify, and maintain customer identity records.
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
If you complete this course for Nebraska CE Credit: You may only receive credit for one of Quest's suitability courses per compliance period. We will consider the foundation for suitability (NASD Rule 2310) with respect to its admonition to know the customer and the product. In addition, we will briefly discuss the general characteristics of the various classes of investment products. At the conclusion of the course, the registered representative will have a basic understanding of variable products and the factors that need to be considered in their suitable recommendation. FL Agents: Eligible License CE 2-16 - Life | Advanced. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 46041
Training Topics
- Tax Status - Investment Objectives - Obtaining Customer Information, Cash and Cash Equivalents - Debt Investment - Equity Investment - Special Issues - Notice to Members 96-86 - Notice to Members 99-35 - Notice to Members 00-44 - Accumulation Phase - Decisional Factors in Variable Life Insurance Suitability
Dual Credit
This course is designed to provide the background behind environmental, social, and governance (ESG) investing including global standards set through the UN's Principles for Responsible Investment, Equator Principles, disclosure requirements, and applicable regulations. It will also equip advisors with the key knowledge needed to discuss ESG investing and incorporate it into client portfolios when suitable. With the right understanding of this rapidly evolving field, advisors can remain at the forefront of responsible and ethical investing.
Dual Credit
This course is intended for registered representatives, supervisors, sales support staff, compliance staff and compliance administrators interested in taxable fixed income investing. This course explores the advantages and disadvantages of purchasing individual bonds compared to investing in bond mutual funds. Additionally, the course discusses diversification cash flow and the importance of expense consideration when investing in debt instruments. The course also provides participants with an overview of fixed income securities and introduces them to the basic concepts that are critical to understanding the role of fixed income securities in a portfolio.
Training Topics
- Bond Pricing - Advantages & Disadvantages - Diversification - Cash-Flow Treatment and Portfolio Considerations - Fees and Costs - Mortgage-Backed Securities - U.S. Treasury Bonds - Maturity Date - Cash-Flow Matching Strategy
This comprehensive course explores the transformational impacts of artificial intelligence in the financial services industry, with a focus on opportunities and responsibilities for financial advisors. It covers AI applications in finance like robo-advising and algorithmic trading, benefits versus inherent risks, ethical and regulatory considerations, strategies for responsibly integrating AI to augment advisor skills rather than replace them, oversight best practices, and the advisor's essential role in steering AI to enhance client experiences. The course provides practical guidance to prepare financial advisors with the AI fluency, wisdom and leadership needed to successfully navigate the rise of artificial intelligence in a way that benefits society.
Dual Credit
This course is designed to educate investment advisers about the compliance risks associated with off-channel communications. Despite the numerous regulatory actions taken against firms and their employees, and the ever-increasing level of monetary penalties assessed, unmonitored business-related off-channel communications continue to plague the industry, and regulators continue their ongoing crackdown on these practices. The course uses a situational scenario, as well as actual FINRA and SEC disciplinary actions, to illustrate behavior that may lead to regulatory violations and subsequent fines and sanctions.
Dual Credit
This course covers the SEC's Marketing Rule and its impact on advisors; including conditions surrounding investment performance advertising, testimonials and endorsements, and prohibited practices. The updates made to the books and records/recordkeeping Rule 204(2) will also be covered in addition to important compliance dates. By the end of the course, learners will be able to summarize the new marketing rule's key components effectively.
NOTE: IAR CE courses cannot be repeated for credit. Duplicate completion credit(s) will not be accepted.
Dual Credit
This course provides a detailed look at one element of Rule 206(4)-7 of the Investment Advisers Act of 1940. The act requires each investment adviser to adopt and implement written policies and procedures designed to prevent violations of federal securities laws. Specifically, this course addresses Investment Adviser's trading practices. Topics covered include the use of soft dollars, aggregation and allocation of trades, and best execution policies. Additionally, the course discusses unauthorized trading policies, trade errors, and books and records requirements. Cases brought against violators and the relevance of Registration Form ADV are also included.
Dual Credit
This course is intended for Investment Advisers and associated investment professionals. In December 2022, a new rule concerning advertising and marketing, which was announced 18 months prior by the Securities and Exchange Commission, went into effect. This course covers the reasons for the new Marketing Rule and its various components. Besides examining general changes in the definition and rules of advertising, this course also covers issues around endorsements and testimonials. With the new Marketing Rule, certain recordkeeping requirements and industry forms were modified as well. You'll learn about those changes and read about regulatory actions already undertaken regarding the new Marketing Rule. What about social media? That's covered too. In addition to describing the workings of the new Marketing Rule, you'll also read about the implementation process from announcement to compliance.
Dual Credit
This course provides a comprehensive overview of the suitability principles and regulations that investment advisors must follow when making recommendations to clients. It examines FINRA Rule 2111, which establishes three main suitability obligations: reasonable-basis, customer-specific, and quantitative suitability. The course covers how suitability interacts with the SEC's Regulation Best Interest (Reg BI), which sets a higher "best interest" standard for broker-dealers with retail customers. Determining a client's risk tolerance and capacity are critical for assessing suitability. The course discusses how investment firms use model portfolios aligned to different investor risk profiles to streamline the process of building suitable portfolios. It also explores emerging topics like artificial intelligence and its potential impact on suitability analysis. Proper policies, procedures, and supervision help ensure advisors make suitable recommendations and comply with regulations. Mastering suitability principles is key for advisors seeking to fulfill their ethical and regulatory duties when advising clients.
Dual Credit
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
Annuities can play a large role in many portfolios, offering a relatively safe way to provide extra income in retirement years. This course will give an overview of all annuity offerings and delve deeper into a relatively new annuity called the "variable index annuity" or "buffer annuity." By the end of this course, you should have an in-depth knowledge of how variable index annuities differ from other types of annuities, the benefits and drawbacks of these annuities, and how to find out if they are appropriate for your clients and how to explain them to your clients should you feel they are an appropriate choice. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 109959
Training Topics
- What is an annuity? - Different types of annuities - What You Should Know About Indexed Annuities - Variable Index Annuity - Annuity Rider Basics - Types of Annuity Riders - The Growth of Variable Index Annuities - Benefits of Variable Index Annuities - Drawbacks of Variable Indexed Annuities - How a Variable Indexed Annuity Fits into your Clients' Portfolios
This course examines the conditions (economic, legislative and other) that gave impetus to the development of the variable universal life (VUL) products. It also discusses the ways in which it is similar to and different from variable life and universal life insurance. Finally, and most importantly, we will look closely at the features of the product. FL Agents: Eligible License CE 2-16 - Life | Advanced. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 46044
Training Topics
- Factors Stimulating Development - Universal Life Similarities - Variable Life Similarities - Insurance Charges - Policyowner Rights - Policyowner Cash Access - VA, VLI, and VUL Compared - Riders - Variable Subaccount Options - FINRA Guidance - Identifying Suitable VUL Customers
Dual Credit
Building from Variable Universal Life Insurance I that variable universal life insurance (VUL) combines the flexibility of universal life insurance (UL) with the policyowner ability to direct the investment of cash values that is a hallmark of variable life insurance (VLI). * This course is not Texas classroom equivalent.
Training Topics
- The VUL Product - VUL Investment - Managing VUL Subaccount Volatility - Premium and Cash Value Tax Treatment - Cash Value Access - Benefits Paid at Death - Modified Endowment Contracts - Suitability - FINRA Guidance - Personal Market Applications - Business Market Applications
Dual Credit
This course is intended for any financial advisors who already work with, or have plans to attract more business from, the youngest of the US working population - Millennials. They are a new breed of investors that require new methods of investing their money, different than the strategies used with their parents. Learning to understand millennials helps to understand their financial goals. This course prepares financial advisors to recognize and work with millennial clients the way they want to be worked with. It also discusses regulations surrounding social media and other off-channel communication platforms that millennials tend to navigate towards. Finally, the course walks through two important components that tend to come up frequently among millennial investors: cryptocurrency and ESG investing.
NOTE: IAR CE courses cannot be repeated for credit. Duplicate completion credit(s) will not be accepted.
Training Topics
millennial, investors
Dual Credit
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