Approved IAR CE Courses

This Ethics IAR CE course on financial advising neurodivergent clients examines how ADHD and autism traits
affect client communication, client decision-making, and fiduciary duty. Advisors learn to distinguish behavioral
style from incapacity, reducing the risk of misinterpretation and improving informed consent. The class applies
investor identity and personality frameworks to explain why some clients exhibit impulsivity, rigidity, or
heightened emotional responses. Practical techniques—including concreteness, structured communication,
and verification of understanding—are taught to improve client financial outcomes and reduce compliance risk.
Designed for IARs and financial professionals, this program strengthens ethical judgment, client trust, and
communication effectiveness in real-world advisory relationships.
Learning Objectives (IAR Ethics–Anchored)

In times of market and economic uncertainty, the guidance you provide to clients and prospects is more important than ever. With markets experiencing their first meaningful pullback of 2026, investors may have questions about how the war in Iran, high oil prices, and other economic concerns affect their financial plans.
In this webinar, James Liu, CFA, founder and CEO of Clearnomics, will walk through timely insights, charts, and talking points that address clients’ the most common concerns. The session focuses on helping advisors provide clear perspectives that frame current developments in a historical context, reinforce the value of planning and discipline, and demonstrate to clients why well-constructed portfolios and financial plans are designed to navigate these situations.

When speaking with clients about the legacy they want to create with their remaining assets at death, there are 3 basic options. They can leave their money to their family, the government via taxes, or charity. For most clients, leaving a legacy of tax payments is not the plan, creating the necessity for the optimization of gifting during life. For clients with charitable intentions, Dr. Russell James gives a masterclass on his top 10 rules for charitable planning for clients. Starting with his number one rule of never donating cash and delving into more advanced charitable giving strategies such as charitable swapping, using retained life estate deeds, and creating charitable trusts. He further explains ways to utilize charitable planning to offset income-producing events, such as required minimum distributions and Roth conversions. The presentation concludes with ideas of how charitable planning can help maintain wealth for multiple generations, furthering the impact a client's legacy can have while avoiding some of the potential pitfalls of inheritance.

In this continuing education session, learners will review 2 Nerd Eye's View articles: Using A 1035 Exchange To Turn An Unneeded Life Insurance Policy Into An Annuity and How Employer Roth Contributions To Solo 401(k) Plans Reduce The QBI Deduction (And Increase Taxes) For Self-Employed Workers. In the first article, Ben Henry-Moreland explains the options clients have to address permanent life insurance policies that are no longer needed and the various tax implications of those options. In this article, Ben also walks through how to execute a 1035 exchange into an annuity, providing details on the advantages of this option, when it may make sense for a client, and how to avoid 'boot' and taxation of withdrawals before 1035 exchanges. In the second article, Ben explains the impacts of pre-tax and Roth contributions to solo 401(k)s on Section 199A deductions. Ben highlights how business owners can utilize a variety of contribution types, such as employee elective deferrals, employer contributions, and after-tax contributions, to avoid the negative consequences of making Roth employer contributions.

This course provides an overview of recent regulatory developments and enforcement actions relevant to investment adviser representatives. It emphasizes ethical best practices and fiduciary responsibility in light of current trends and compliance expectations.

Do you want to know the areas that state examiners will focus on in their 2025 exams and how to be compliant? This course will discuss the Division's 2025 examination priorities, provide an in-depth analysis of common deficiencies and suggest ways to avoid them. This year's priorities are a non-exhaustive list of compliance matters based on commonly identified and/or high risk deficiencies revealed during examinations that the Staff plans to focus on. In the course, we will talk about core books and records requirements including written client suitability information, advisory contracts, fee invoices, firm financial statements and the IARCE requirements.