Approved IAR CE Courses

The integration of artificial intelligence (AI) into advisory firms’ operations introduces a host of legal and compliance considerations that cannot be overlooked. In this session, legal and compliance expert Chris Stanley, will examine the critical regulatory areas impacted by AI adoption, including Regulation S-P (privacy and data sharing), SEC Rule 204-2 (recordkeeping obligations), disclosure requirements under Form ADV and Form CRS, and the need for human oversight to ensure regulatory compliance. Advisors will gain practical insights to navigate these evolving requirements, implement best practices, and ensure their use of AI tools aligns with client expectations and regulatory mandates.

Tuition inflation, Department of Education changes, and new financial aid rules! Oh my! Navigating the world of higher education continues to be a challenge for clients with young scholars as clients attempt to help their students reach their academic and professional goals while minimizing the associated costs. Joe Messinger shares key updates to the college funding landscape for 2025, touching on the issues families commonly face when planning for education expenses. In his presentation, Joe explains the potential impacts of changes to the Department of Education, changes to financial need calculations, financial application filing for divorced parents, and the use and limitations of 529 plans. Throughout the presentation, Joe highlights how advisors can assist clients throughout this college planning process, saving clients valuable time, frustration, and money.

This program fulfills the requirement for CFP Board approved Ethics CE. It has been designed to educate CFP' professionals on CFP Board's new Code of Ethics and Standards of Conduct effective October 1, 2019. In this engaging and thought-provoking webinar on CFP ethics, Shelitha Smodic will delve into the ethical considerations and responsibilities of Certified Financial Planners. Explore the intricate balance between client relationships, fiduciary duty, and personal integrity, as we navigate the complex ethical landscape in the financial industry.

Medicare can be a complicated insurance system for clients to navigate as they transition from employer-provided insurance, especially when many human resource professionals and insurance agents for employer group insurance plans often do not fully understand the nuances of Medicare. This lack of clarity can lead to ineffective coverage and costly healthcare expenses during retirement. Financial advisors have an opportunity to ease their clients' transitions into retirement by sharpening their knowledge of Medicare options. In this webinar, Elaine Floyd walks us through the options for Medicare coverage along with the benefits and risks associated with Original Medicare and Medicare Advantage plans. She further details how to shop for and enroll in Original Medicare, Medigap, and Medicare Advantage with beneficial considerations when going through the process, leaving advisors with a clear, practical roadmap for clients seeking coverage.

In this session, learners will review two Nerd's Eye View blog articles: Navigating The FTC's Ban On (Most) Non-Competes: The New World Of Partnerships And Non-Solicits and Why 'Deferred Sales Trusts' Can Be A Risky Way To Defer Taxes On A Business Sale. In the first article, authors Michael Kitces and Adam Van Deusen from Kitces.com explain the impacts and implications of the Federal Trade Commission ban on non-competes, detailing the scope of the ban, exceptions, and anticipated impact on financial advisory firms. They further provide alternative methods for advisors to protect their interests without enforceable non-compete agreements. In the second article, Ben Henry-Moreland discusses the benefits and downsides associated with installment sales for business owners. He then explains the Deferred Sales Trust (DST) strategy, highlighting the purported benefits, risks, and legal concerns associated with this business sale strategy.

This quiz reviews two blog articles: Navigating the Thrift Savings Plan: Planning Opportunities To Support Federal Employees, Military Servicemembers, And Veterans and The HSA 'Deathbed Drawdown': Making Tax-Efficient Distributions Of Large Balances (When There Isn't Much Time). In the first article, Stacy Miller, CFP', walks readers through the Thrift Savings Plan. This article details the background of the plan and why professional advice can be helpful to federal employees and military servicemembers, especially as military servicemembers transition back into civilian life. She concludes this article with actionable steps that advisors can take to support clients that are participants in the Thrift Savings Plan. In the second article, Ben Henry-Moreland, Senior Financial Planning Nerd at Kitces.com reviews the benefits of Health Savings Accounts (HSAs) along with the pitfalls of having funds remaining in the accounts at the death of the owner. He further explains two strategies for managing HSA funds.

Net Unrealized Appreciation Tax Strategies and Why Tax-Loss Harvesting During Down Markets Isn't Always A Good Idea

In this session, we review 2 blog articles: New RMD Rules For Spousal Beneficiaries Of Retirement Accounts With SECURE 2.0's 'Spousal Election' Option and Values, Purpose, Action: A 3-Part Approach To Establish A 'Statement Of Financial Purpose' And Unlock Deeper, More Meaningful Planning Conversations With Clients.

In the wake of the OBBBA Act, estate planning strategy discussions are expected to shift away from a focus on estate tax avoidance to other benefits of estate planning. This session explores the use of non-grantor trusts to reduce taxable income, enhance access to deductions, and optimize charitable giving for clients who may not otherwise benefit from traditional estate tax strategies. Through practical examples and advanced planning insights, financial advisors will learn how to integrate these tools into their planning toolkit and apply them for clients at a broad range of wealth levels. Special attention is given to tax bracket management, the 199A QBI deduction, SALT deduction maximization, charitable strategies, and the importance of post-OBBBA planning collaboration among advisors, attorneys, and CPAs.