Approved IAR CE Courses

The course will review the definition of real estate and how real estate fits into the U.S. economy.Students will also learn the legal defintion of a security and which real estate related investmentsare considered securities. Then the course will review the characteristics of two popular securitiestied to real estate, real estate investment trusts (REITs) and real etate limited partnerships.

Over time, all types of clients have begun to appreciate the benefits of an account that assessesone fee to cover both investment advisory services and brokerage transaction costs. With the popularity of wrap fee accounts, a significant number of details must be provided to prospective clients. This course will examine the different types of wrap fee programs and the importance ofthe brochures that are provided to investors. The approaches taken by both FINRA and NASAArelated to wrap accounts will be examined. Additionally, suitability considerations will be reviewed forclients who may be interested in wrap accounts.

In this continuing education session, we review 2 articles from the Nerd Eye's View: Inspired Discovery: Asking Vision Questions to Focus on Clients' "Ideal Self" and 'ReFire' Instead Of 'Just' Retire: A Framework To Help Clients Plan For Purpose In Retirement. In the first article, Kathleen illustrates how retirement can be reframed not as an end, but as a phase of life centered on fulfillment, self-exploration, and purpose. In the second article, Meghaan Lurtz explains how advisors can restructure discovery meetings to start with vision-oriented questions that encourage ideal-self conversations, moving the meeting from a technical discussion to one that is more inspiring and meaningful for clients.

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.