Approved IAR CE Courses

This course examines topics that investment adviser representatives should know regardingdebt securities issued by corporations, municipalities, GSEs, and the U.S. Treasury. Concepts and terminology are presented for a broad range of debt-related topics, with examples where appropriate. The course covers types of bonds available to investors, maturity structures, differentways of characterizing a bond's yield, the relationship between interest rates and bond pricesin the secondary market, accrued interest, and the money market. Sections delve into specific categories of debt securities, such as T-bills, STRIPS, TIPS, asset-backed securities,collateralized mortgage obligations, and municipal bonds.

There’s no question that retirement planning is a top financial objective for many consumers, notably “baby boomers” who are now—and will be for some time—crossing the retirement threshold. Among the many financial challenges facing retirees, one of the most significant is how to avoid running out of money. Supporting these retirees—and those who advise them—are many diverse retirement planning products, options, and strategies. Now, thanks to the IRS and to the insurance industry, advisors have two additional tools to add to their portfolio of retirement planning products. This course provides a clear overview of two unique retirement planning tools now available: deferred income annuities (DIAs) and qualified longevity annuity contracts (QLACs). The course fully explores DIAs: what they are, how they are designed, and how they work. The second part of the course explains the QLAC rules and how deferred income annuities can be used to generate a guaranteed income stream for IRA, 401(k) and 403(b) participants, exempting the funds used to purchase the QLAC from the minimum distribution calculation.

This course offers a look into the world of digital assets through the lens of fiduciary duty. Examplesdiscussed include cryptocurrency, dApps, DeFi Projects, Non-Fungible Tokens (NFTs), and more. The course provides information on the function of these digital assets and asset tools, as well as ananalysis of the benefits and drawbacks to an IAR and their clients. This includes adiscussion of whether IARs have the tools to provide a sufficient suitability analysis on thesedigital assets for their clients. The course culminates in an assessment of the SEC's regulatoryframework for these assets, and their identification of pitfalls and challenges that may affect IARswho add digital assets to their clients' portfolios.

Bonds are a common part of a client's investment portfolio. However, common does not mean uncomplicated. The bond type, method of purchase, and circumstances by which it is sold can all impact how a bond's basis is adjusted, the tax that will be applied, and the applicable forms for tax reporting. In this webinar, Tim Steffen, CPA/PFS, CFP', CPWA' demystifies taxation rules on bonds that can be easily overlooked, such as the tax treatment on Original Issue Discount (OID) bonds, market discount, and premium on bonds. For each unique bond scenario, Tim explains options for how applicable taxes on bonds can be reported and walks through how to review the forms used for tax reporting. Tim concludes this webinar with a review of savings bonds that are particularly popular in a high-interest rate environment and highlights the difference between how individual bonds and bond funds are taxed.

In this continuing education session, the learner will read three articles from the Nerd's Eye View blog.In 'Designing 'Custom GPTs' With Advanced ChatGPT Features To Enhance Advisor Capabilities With AI', David Ortiz walks readers through how he uses CustomGPTs to create efficiency in his practice through prompt engineering. Ortiz explains how AI tools can be utilized in conjunction with client meetings to enhance client engagement. In ''Legacy IRA' Rollover To A Charitable Gift Annuity: Using This New Tax-Advantaged Opportunity To Help', Kathleen Rehl shares her experience creating her "Legacy IRA" rollover to a Charitable Gift Annuity to support her chosen nonprofits after Congress passed the SECURE 2.0 legislation, highlighting the potential benefits of creating a legacy IRA. In 'In The Long Run, Stocks Outperform Bonds' Or Do They?', Larry Swedroe explains recent studies on the performance of stocks and bonds and how these studies may alter the advisor's understanding of long-term stock and bond performance and of using bonds as portfolio diversifiers.

This session examines how financial advisors can incorporate a life-first perspective into the financial planning process. Drawing on behavioral science and life planning principles, the presentation explores how client decisions are shaped by competing priorities, inherited expectations, and personal values. Participants will learn a practical framework for facilitating deeper client conversations that clarify what matters most and align financial strategies with meaningful life goals. The session emphasizes how advisors can move beyond purely technical optimization to help clients make financial decisions that support purposeful and intentional living.

Variable annuities with guaranteed lifetime withdrawal benefits (GLWBs) can play an important role in retirement income planning, but evaluating these solutions requires looking beyond headline features such as roll-up rates or investment allocations. In this webinar, retirement income expert Wade D. Pfau, Ph.D., CFA, RICP®, examines how withdrawal rates, benefit-base growth, market performance, deferral periods, liquidity, and investment exposure interact to determine the value of guaranteed lifetime income. Drawing on historical market data from 1871–2024 and research developed for MassMutual, Dr. Pfau demonstrates how different GLWB designs have performed across a wide range of market environments and discusses how guaranteed income can complement traditional investment portfolios by supporting sustainable withdrawals and legacy objectives. Advisors will gain a practical framework for evaluating the key design features of variable annuities with living benefits, understand the trade-offs among guaranteed growth, market participation, and income, and determine when these strategies may—or may not—be an appropriate component of a client's comprehensive retirement income plan.

Elder financial abuse doesn’t usually start with bad intentions. It often begins with someone trying to help. In this presentation, we walk through a real-world scenario where caregiving gradually turns into unmonitored financial control. We’ll highlight the key red flags across family dynamics, financial changes, and cognitive shifts that professionals often miss. Most importantly, we’ll give you practical ways to detect early warning signs, prevent risk, and protect both your clients and yourself. Because in this space, awareness is everything—and every professional plays a role in safeguarding seniors.

This course will present many of the current scams which bombard seniors, in the hopes that recognition and education will strengthen the walls which must be built around them. The course will cover this topic from possibilities to real-life examples of fraud and deception with a detailed discussion of topics such as guardianship as an abuse avenue. It will also look at what industry rules and regulations demand from each registered individual via the Senior Safe Act, FINRA Rule 2165 and amendments to Rule 4512. This course will endeavor to add another layer of protection for those who need it most; our seniors.