Approved IAR CE Courses

This course equips investment adviser representatives, compliance staff, and senior executives with a practical understanding of the SECs 2024 amendments to Regulation S-P, which expand requirements for safeguarding customer information and managing cybersecurity risks. Participants will learn how to implement incident response programs, meet new customer-notification rules, and comply with national-security delay provisions. The course also addresses service-provider oversight, disposal of customer information, and updated privacy notice requirements, translating regulatory mandates into actionable steps for advisory firms. While focused on SEC-registered advisers, the content highlights broader fiduciary expectations and aims to strengthen operational risk management and customer data protection.ormation.

This self-study course gives Investment Adviser Representatives a clear, practical framework for identifying and managing portfolio risks. Youll distinguish systematic vs. unsystematic risk, translate simple risk measures (volatility, beta, correlation, drawdown) into allocation choices, and apply diversification principles using mutual funds and ETFs. The course emphasizes real-world decision makinghow to set and document an appropriate risk posture in the IPS, construct diversified models, avoid hidden concentrations, and maintain discipline through rebalancing and client education. Designed to align with NASAA IAR CE Products and Practices themes, the course focuses on suitability, fiduciary duty, and plain-English client communications about risk and reasonable expectations.

This quiz will include a review of the following articles: Implementing Retirement Income Guardrails To Facilitate (The Right) Spending Raises And Spending Cuts, Providing Mortgage Advice In A Higher Interest-Rate Environment: Opportunities For Advisors To Add Value, and How Different Monte Carlo Models Perform In The Real World: Assessing Quality Of Predictiveness In Retirement Income Forecasting Models

Monte Carlo analysis has become the dominant methodology for advisors to analyze retirement income planning strategies. But the way the results of Monte Carlo analysis are framed for clients can invoke different emotional responses and can affect portfolio withdrawal rate decisions. With this in mind, advisors can take advantage of a range of options to improve their use of Monte Carlo analysis, including framing the results as a 'Probability of Adjustment' rather than 'Probability of Success', comparing results using historical scenarios, leveraging regime-based models, and using risk-based guardrails. Using these methods, advisors can potentially provide clients with greater peace of mind regarding their retirement income choices and better help them achieve their specific income and legacy goals.

This course will provide advisors with a comprehensive overview of Incentive Stock Options (ISOs), including the life cycle of an option grant and the tax and planning implications of qualified versus disqualified dispositions. Specifically, the course will address key concepts such as grant and exercise dates, bargain element, holding period requirements, and advanced strategies like the AMT crossover calculation. In addition, it will explore strategies for timing exercises to minimize or avoid AMT liability, coordinating ISO exercises with tax planning goals, and evaluating considerations for both public and private company scenarios. Lastly, the presentation will highlight approaches to maximizing tax efficiency through qualified dispositions, optimizing client outcomes through tools like StockOpter, and guiding clients in balancing liquidity needs with the potential benefits of preferential long-term capital gains treatment.

In this course you will be introduced to terms and concepts used in connection with individual retirement accounts. Each new term is defined in the text and included in the Glossary. The concepts are explained and, where appropriate, are demonstrated through the use of examples.At the conclusion of each important section, a Review Quiz is presented to test comprehension of the material presented. A response is given to each answer you select to the questions in the Review Quiz affirming the correct choice or explaining why the choice you selected was incorrect.

This course provides investment adviser representatives with a comprehensive overview of Individual Retirement Accounts (IRAs) and their role in retirement planning. Learners will explore the history, purpose, and rules governing IRAs, including eligibility, contribution limits, rollovers, transfers, and required minimum distributions. The course also examines the distinctions between Traditional and Roth IRAs, prohibited transactions, and recent legislative changes under the SECURE Acts. Through case studies and practical examples, participants will gain the knowledge to help clients select and manage IRAs effectively in pursuit of their long-term financial goals.

This course will look at important recent compliance and trading changes and how those changes impact your duties as a financial professional. The new marketing rule, the DOL rule, the increasing focus on digital assets, and the uncertainty of the economy short-term are all issues that will impact your life as a financial professional and require changes in your practices.

The SECURE Act introduced significant changes to retirement planning, particularly in the distribution of IRA assets to heirs and beneficiaries. This course explains the rules for inherited IRAs—traditional and Roth—and the requirements for IRA owners and beneficiaries. Given the complexity and potential penalties for mishandling inherited IRA funds, clients need knowledgeable advisors to guide them in making suitable planning decisions.