Approved IAR CE Courses

Client expectations continue to expand. Clients are looking for deeper financial planning across a range of facets of their financial lives and expect to receive these services without increasing their fees. This puts advisors in a difficult position.

In this session from Michael Rose, Director of Wealth Management at Cerulli Associates, we will explore the evolving financial planning landscape: what clients are looking for, what advisors currently offer, and what new services are gaining traction in the industry.

The session will utilize quantitative and qualitative data from Cerulli Associates research to provide attendees with a clear understanding of the state of the industry, and areas that they should consider exploring within their own financial planning practices. The session will also address the rise of artificial intelligence (AI) solutions, and areas that advisors are currently leveraging these tools within their practices.

The session will cover how the services offered by firms may differ depending on factors like firm size and resources, as well as the impact that offering expanded services could have on firm growth. As a part of this conversation, Michael will address some of the common pain points advisors may experience when trying to expand their offerings, and key learnings from advisors that have effectively implemented these expanded services.

Ethics CE: A Practical Application of CFP Board's Code and Standards fulfills the two-hour requirement for CFP Board-approved Ethics CE. The program is designed to educate CFP professionals on CFP Board's current Code of Ethics and Standards of Conduct, which went into effect on July 1, 2024.

This year we are taking a deep dive into the Fiduciary Process. When are we providing Advice? When are we providing Financial Planning? When is the Fiduciary Duty applied? What Information is provided to a Client and when should that happen? What are the CFP®'s responsibilities when referring Other Service Providers or Technologies? What should a CFP® report to the CFP® Board and what are the most common mistakes?

By the end of this program, the participant should be equipped to: LO 1: Understand the structure and content of the revised Code and Standards, including significant changes from prior rules. LO 2: Describe CFP Board’s Fiduciary Duty. LO 3: Identify Material Conflicts of Interest and How to Avoid, or Fully Disclose, Obtain Informed Consent, and Manage Them. LO 4: Understand the Duty to Report to CFP Board and the Duty to Cooperate. LO 5: Identify the Practice Standards When Providing Financial Advice that Requires Financial Planning or Financial Planning. LO 6: Understand the Duty to Provide Information to Clients When Providing Financial Planning and/or Financial Advice.

Many advisors default to funding a donor advised fund after a major liquidity event. This session explores how gifting appreciated assets before a sale can significantly reduce capital gains exposure while enhancing charitable deductions and long-term planning flexibility. Through real-world case studies, we will examine outright and partial gifts of closely held business interests, real estate, and other appreciated assets, as well as advanced strategies using charitable trusts and gift annuities.

Charitable giving isn't just about generosity'it's a powerful tool for financial and estate planning. This session explores a range of strategic charitable giving options, from annual gifting and Qualified Charitable Distributions (QCDs) to more sophisticated vehicles like Charitable Gift Annuities, Charitable Remainder Trusts, Charitable Lead Trusts, Donor-Advised Funds, and Family Foundations. Learn how to help clients maximize their philanthropic impact while optimizing tax benefits, preserving wealth, and creating lasting legacies.

In this captivating conversation, Brian Portnoy and Neil Bage engage with Dr. Chantel Prat, a distinguished cognitive neuroscientist, to explore the intricacies of human behavior and decision-making through the lens of neuroscience. Delving into Dr. Prat's research, they uncover profound insights into how our brains process information, learn, and navigate the world around us. Dr. Prat elucidates the concept of "carrot and stick" learning, revealing how our brains are wired to respond to rewards and setbacks. They discuss the role of curiosity in driving learning and the importance of creating psychological safety to foster curiosity and mitigate anxiety. The conversation also touches on the significance of empathy and understanding others' perspectives, highlighting the role of mirror neurons and theory of mind. Through engaging dialogue and practical examples, they provide valuable insights into harnessing neuroscience principles to enhance decision-making, learning, and interpersonal connections.

In this engaging conversation between financial experts Christine Benz and Brian Portnoy, several key topics are explored. They delve into the prevalent issue of underspending among retirees, highlighting the surprising trend of individuals hesitating to enjoy their wealth. The conversation also touches upon the reluctance of many to invest in annuities despite their potential benefits, attributing this to a complex landscape of products and a fixation on portfolio high-water marks. Benz shares insights from her thought-provoking piece, "Real Luxury Goods Don't Have Brand Names," emphasizing the importance of finding fulfillment beyond material possessions. The dialogue underscores the value of simplicity in financial planning, with both speakers advocating for advisors to prioritize clarity and ease of understanding for their clients. Overall, the conversation offers valuable insights into behavioral finance, retirement planning, and the pursuit of a meaningful life beyond financial accumulation.

In their insightful conversation, Daniel Crosby and Brian Portnoy delve into the essence of human-first advice in financial planning. They stress the importance of framing conversations in a client-centric manner, steering away from intimidating jargon and instead focusing on what truly matters to the individual. Crosby highlights a poignant moment from a recent podcast episode, emphasizing the power of empathy and simple language in connecting with clients on a deeper level. Portnoy echoes this sentiment, emphasizing the value of meaningful conversations and understanding clients' unique needs and aspirations. Their discussion also touches on the enriching experiences gained from their podcast, Standard Deviations, where they engage with experts and learn invaluable lessons beyond traditional reading. Overall, their exchange underscores the transformative potential of adopting a human-first approach in financial advising, ultimately enhancing client relationships and outcomes.

The conversation between Gene Natali and Brian Portnoy revolves around the theme of financial empowerment, spanning from parenting advice to the role of financial advisors in modernizing their approach. Gene emphasizes the importance of parents opening investment accounts for their children, instilling financial awareness early on. He shares a personal anecdote of engaging a 15-year-old in discussions about investing and retirement planning, highlighting the significance of starting young. Brian expands on the role of financial advisors, urging them to incorporate discussions about youth financial empowerment into their practice. He emphasizes the need for advisors to be visible and engage with the younger generation, ensuring they understand the dynamics of managing money effectively. The conversation underscores the necessity of empowering individuals across generations with financial knowledge and action.