Certified Financial Planner

Provider: Quest Continuing Education Solutions Show Dual Credit Only
Advanced Asset Allocation Strategies (CE)
$14.95
General: 1.5 Credits

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

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

APA
CFFP
CFA
IMCA
PRP
Annuities Essentials (CE)
$14.95
General: 1 Credit

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 Objective: 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. FL Agents: Eligible License CE 2-14 - Life and Variable Annuity | Intermediate

Training Topics

- Types of Annuities - Marketing and Suitability Choices - Legal and Ethical Considerations - Basics of Annuities - Fixed - Variable and EIA - Who is Buying Annuities

Dual Credit

APA
CFFP
CFA
IMCA
Annuities Today (CE60)
$14.95
General: 2.5 Credits

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.

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

Department of Labor Fiduciary/Conflicts of Interest Rule (CE)
$14.95
General: 1 Credit

This course was developed to introduce the Department of Labor Fiduciary Rule to eliminate conflicts of interest when recommending or giving retirement investment advice. There remains an industry-wide media frenzy that is likely to continue through the compliance dates of June 9, 2017 and January 1, 2018. This course explains the fiduciary duty as it stands and what is required of those who sell products for, or provide advice on retirement investing. FL Agents: Eligible License 9900 Generic Life/Health/Variable Misc Subjects | Intermediate

Training Topics

- Fiduciary explained - Conflicts of Interest - Compliance - Litigation - Education - Suitability - Exemptions to the rule - Robo-Advisors - Discipline anticipated

Dual Credit

APA
CFFP
CFA
IMCA
PRP
Disability Income Insurance (CE)
$14.95
General: 1.5 Credits

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

Disability Insurance (CE60)
$14.95
General: 3 Credits

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

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

IMCA
PRP
DOL Rule & BICE for Insurance Producers of Life & Annuity Products (CE)
$14.95
General: 1 Credit

The Final Rule is a reference to the U.S. Department of Labor's Conflict of Interest Rule under ERISA. The name is slightly confusing since it is not just a Rule. Rather it is a package - a packet of rules, regulations, new and amended exemptions, expanded definitions, compensation strategies and requirements to implement when working with retirement investors - all nicely wrapped into what is now called the Final Rule. One of the exemptions issued with the Rule, the Best Interest Contract Exemption, allows financial professionals to continue in the business of advice, recommendations and strategies to retirement investors, while working as a fiduciary and continuing to receive variable compensation. This course is a study of that exemption - the BICE. FL Agents: Eligible License 9900 Generic Life/Health/Var - Misc Subjects | Intermediate

Training Topics

- Best Interest Contract Exemption - Conflict of Interest Rule - Fiduciary Requirement - Definitions - Compliance - Speculation

Dual Credit

APA
CFFP
CFA
PRP
Equity Indexed Annuities (CE)
$14.95
General: 1 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

APA
CFFP
CFA
IMCA
PRP
Estate Planning (CE)
$14.95
General: 2.5 Credits

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 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 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

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

CFFP
CFA
IMCA
PRP
Ethical Considerations for Life and Death (CE120)
$34.45
General: 12 Credits

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 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 allows producers to create a personal and professional code of ethics they can following in every aspect of their personal and professional business.

Ethics for the CFP® Professional: CFP Board's Standards of Professional Conduct (CE)
$14.95
Ethics: 2 Credits

This course is designed for CFP designees and is intended to satisfy updated requirements set forth by the CFP Board regarding continuing education in ethics.

Income Planning for Heirs: Annuity Contract Structure (CE)
$14.95
General: 1 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

APA
CFFP
CFA
IMCA
Income Planning for Retirement (CE)
$14.95
General: 1.5 Credits

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

APA
C(k)P
CFFP
CFA
IMCA
PRP
Life Insurance Today (CE200)
$39.95
General: 16.5 Credits

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. FL Agents: Eligible License CE 2-15 - Life/Health and Variable Annuity | Intermediate

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

Planning for Senior Needs (CE)
$14.95
General: 2 Credits

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

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

APA
CFFP
CFA
IMCA
PRP
Principles of Asset Allocation (CE)
$14.95
General: 1 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

APA
CFFP
CFA
IMCA
PRP
Retirement Planning and Annuities (CE)
$14.95
General: 3 Credits

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

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

Suitability of Variable Life Insurance (CE)
$14.95
General: 1 Credit

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

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

APA
CFFP
CFA
Understanding IRAs (CE90)
$25.95
General: 9 Credits

As an investment professional, IRAs are a natural place to start helping your clients with retirement planning. A powerful tool to help clients retire in dignity is the Individual Retirement Account (IRA). What is the difference between Traditional and Roth IRAs? How can the Stretch IRA help with estate planning? This series gives you a better understanding of both Traditional and Roth IRAs and some of the decisions that your clients may face in planning for their retirement. * This course is not Texas classroom equivalent.

Training Topics

- The Genesis of Individual Retirement Accounts - The Penalty Period up to Age 59 1/2 - Planning Period 59 1/2 to 70 1/2 - The Retirement Period - 70 1/2 Until Death - IRA Beneficiaries - Multi-Generational IRA - Trusts - Annuitizing - The US Treasury Law on Distributions - IRAs

Variable Universal Life I (CE)
$14.00
General: 2 Credits

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

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

CFFP
CFA
IMCA
Variable Universal Life II (CE)
$14.95
General: 1.5 Credits

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

CFFP
CFA
IMCA
PRP