Approved IAR CE Courses

Asset allocation is the process of determining the optimal allocations for the broad categories of assets (stocks, bonds, cash, and real estate) that match an investor's time horizon and risk tolerance. This course explains asset allocation and fundamental methods for determining a sound allocation, including suitability, developing an investor profile, formulas, and distributions. It coversthe concept of the efficient market hypothesis, a fundamental concept to the mechanics of asset allocation, as well as optimal portfolio theory and portfolio risk and correlation, two methods thatapply the central concepts in asset allocation to actual portfolio management.

Investment Adviser Representative: Counteract Sexual Harassment & Foster a Culture of Compliance is a two-part, two-credit course. It is designed for investment adviser representatives and supervisors who wish to work in and foster a firm culture of compliance that supports ethicaland legal behavior from a human and institutional perspective. Sexual harassment is a pervasive issue that every employer and employee must address. Part I discusses the rules and cases thatdefine sexual harassment. It describes the types and the subjective nature of sexual harassment law.Part I helps supervisors identify the elements of a sexual harassment policy and why a comprehensive, written, and universally understood workplace policy is necessary. It outlines how asexual harassment policy is best followed and enforced when people at all levels of a company areinvolved, and how it protects both individual employees and the employer. Part II broadens the focusto why a culture of compliance and ethical behavior is important in not only preventing sexual harassment but in working in an ethical and productive environment that respects both its people the laws. **continued on attachment

Even legitimate products and sales practices can be problematic for seniors, meaning that even IARs with the best intentions have received deficiency letters and fines. Meanwhile, well-meaningIARs can demonstrate a lack of sensitivity to senior clients and their unique issues. And even worse,as has been demonstrated in recent examinations'others have deliberately exploited thisvulnerability, and scams targeting older investors are on the rise. IAR Senior Protection: Ethical Sales & Account Practices reviews the unethical, fraudulent and misleading activities discoveredduring regulatory examinations initiated by industry regulators and outlined in the SEC's National Senior Investor Initiative Report, the 2019 SEC Examination of Investment Advisers, and NASAA'sInvestment Adviser Coordinated Exams reports in 2021 and 2023. The course highlights how to adjust the advising approach for seniors and the unique factors to consider so that recommendations are in your senior clients' best interest. It explains The NASAA Model Act to Protect Vulnerable Adults from Financial Exploitation, which, when adopted as regulation or *** continued on Timed Outline