Approved IAR CE Courses

Beneficiaries must take required minimum distributions (RMD) from the IRAs and employer plana account they inherit. However, the options for distributions are determined by the class in which a beneficiary fall. Beneficiaries can maximize the tax-deferred advantage of their inherited accounts by stretching distributions over the longest period available. This course will help advisors advise beneficiaries of their distribution options and obligations.

Retirees need to stretch their assets for 20-30 years or more. Savvy distribution planning can help. Learn when to tap different asset categories and how taxable funds differ from tax-free and tax-deferred funds. Manage your clients' risk so they won't outlive their resources.

Retirement Planning & Income Strategies for Today's Advisors prepares investment professionals to address the evolving needs of retirees while ensuring compliance with ethical and regulatory obligations. The course includes two chapters: Ethically Serving Senior & Vulnerable Investors, which focuses on recognizing risks such as diminished capacity, financial exploitation, and tailoring advice to meet fiduciary responsibilities; and Annual AML Update, which reinforces best practices for detecting, preventing, and reporting money laundering activities in retirement-focused investment strategies. Together, these modules provide participants with the knowledge to design appropriate retirement income solutions, protect vulnerable clients, and maintain compliance in today's complex regulatory environment.

This course examines the process that investment adviser representatives should follow when assisting clients in creating a plan to provide income during retirement. This course focuses on the the steps in the planning process, starting with the client's income goals, determining what will beavailable, as well as how much needs to be derived from the saving of additional funds to meet thegoal. The course will also cover the basic characteristics of the most popular retirement vehicles, including traditional IRAs, Roth IRAs, and 401(k) plans.

This course will provide insight into the different types of retirement plans and their characteristics. Some of the key points will be the method by which the funds are contributed (i.e., whether they'repre-tax or after-tax) and the importance of taking advantage of the benefit of tax-deferred growth.Readers will also learn about how important it is to factor in the impact of inflation on the planning process. Using numerical examples, readers will gain an understanding of the importance of the different steps in retirement planning - defining objectives, assessing resources, determiningneeded savings, saving and investing, and reviewing and re-evaluating.

This course provides a comprehensive overview of Home Equity Conversion Mortgages (HECM) and their role in retirement planning. Participants will learn how reverse mortgages work, their key features, and how they can be used as strategic financial planning tools. The course covers the historical development of HECM loans, eligibility criteria, and critical distinctions, such as maintaining home ownership and eliminating monthly mortgage payments.By the end of the course, participants will understand how to incorporate reverse mortgages into holistic financial strategies, positioning them not as loans of last resort, but as essential components of comprehensive retirement planning.

In the early days, reverse mortgages were generally treated as a last resort option after other resources were depleted, or as a way to obtain quick access to a large lump-sum of assets. This is not the appropriate way to think about reverse mortgages in a retirement income plan, especially in light of recent research. The reverse mortgage option should be viewed as a method for responsible retirees to create liquidity for an otherwise illiquid asset, which in turn can create new options that potentially support a more efficient retirement income strategy (more spending and/or a greater legacy). After providing an overview of retirement income planning, which sets the context for understanding the potential role of reverse mortgages, this presentation explains the basics for how reverse mortgages work. I then provide an overview of potential uses for a reverse mortgage in a retirement income plan.

In this session, advisors will gain critical insights into the evolving regulatory landscape impacting investment advisers. Compliance expert, Max Schatzow, will explore FinCEN's final rule expanding the definition of 'financial institution' under the Bank Secrecy Act, along with new AML/CFT reporting requirements. Attendees will learn about recent amendments to Regulation S-P, which mandate written incident response programs and enhanced oversight of service providers. The session also covers current SEC examination priorities, equipping advisors with practical strategies to maintain compliance in an increasingly complex regulatory environment.

In this live, fact-finding conversation, Healthy Markets Association’s Tyler Gellasch, answers questions from Advisor4Advisors' Editor Andrew Gluck about the unusual confluence of financial-regulatory and market-structure changes occurring in 2Q2026. Drawing on experience cowriting the Voicker Rule and other key provisions of post-crisis financial legislation in the U.S. Senate and serving as counsel to SEC Commissioner Kara M. Stein, Gellasch is asked to rank the most urgent threats and explain their implications for investment fiduciaries. The discussion addresses reduced public-company reporting, weaker investor remedies, tokenized securities, stablecoins, hidden leverage, opaque derivatives, private credit, fragmented trading, regulatory independence, and federal-state jurisdictional gaps. Learners will apply a practical framework for product approval, due diligence, custody review, disclosure, portfolio limits, documentation, monitoring, and decisions to decline recommendations when investor protections are inadequate.