This course offers an in-depth examination of asset allocation, a crucial strategy for optimizing the balance between risk and return in investment portfolios. Participants will learn to apply foundational theories such as Modern Portfolio Theory and the Capital Asset Pricing Model to develop, implement, and adjust asset allocation strategies tailored to different investor profiles and market dynamics. The curriculum covers a broad range of asset classes, including equities, fixed income, real estate, and alternatives, providing a holistic view of how diverse investments can be integrated into cohesive financial strategies. Additionally, the course addresses the impact of global market trends, technological advancements in investment management, and the incorporation of ethical investing practices through ESG criteria. This comprehensive approach ensures that financial advisers are equipped to effectively manage and adapt portfolios to meet both current and future client needs.
This course examines the benefits of using asset allocation when building portfolios, as well as providing a brief background of the different investments that are used to create suitable portfolios based on clients' needs and objectives. The Modern Portfolio Theory will be examined, with emphasis on the importance of balancing risk and return when seeking the optimal portfolio for a client. The different asset allocation strategies, models, and how they match with different investor profiles will also be analyzed.
Focuses on the allocation of investment resources in variable annuity sub accounts. Describes common approaches to asset allocation and the relationship between asset allocation and investment diversification, as well as the various forms of financial risk and how to develop a client profile and identify client investment objectives
Advisors have long explored asset allocation, but what about asset location strategy? By understanding the different estate, tax and asset protection implications of various investment holdings and accounts, along with a client's goals and other factors, advisors can deliver more value by selecting a more optimal investment portfolio among a client's accounts. Advisors should equip themselves with a more integrated and cohesive understanding of these types of accounts, factors for client consideration, and tips and tricks for making strategic changes to a client's investment portfolio to enhance investment and estate planning benefits.
Avoiding Market Delusions: EV Case Study and Helping Clients Increase Retirement Spending
In this continuing education session, learners will review two Nerd's Eye View articles: Avoid Getting Caught Up In Big Market Delusions: The Case Study Of Electric Vehicles and Helping Hesitant Clients Boost Their Retirement Spending. In the first article, Larry Swedroe and Ben Henry-Moreland explain the concept of the 'big market delusion' and how advisors can help clients avoid the consequences of this investment bias. In the second article, Adam Van Deusen explains why some clients may be hesitant to spend in retirement and how advisors can help these clients move past their discomfort by framing conversations about retirement income differently and implementing behavioral-based tactics to help clients prepare for their retirement spending.
Producers must not only understand and explain their products but also ensure clients know how the products work and meet their needs. This course focuses on avoiding penalties and fees on annuity withdrawals. It emphasizes advising clients on proper annuity use to maximize benefits and avoid negative consequences.
Familiarity with the Bank Secrecy Act will help you to stop money laundering - a major international crime that supports a host of other illegal activities such as drug trafficking, terrorism and arms dealing. This course will describe why, as an employee of a bank, financial institution or firm, it is essential to know your clients and their banking habits, and to recognize when they deviate from their normal routines.