Approved IAR CE Courses

When moving IRS and employee plan accounts, the goal is usually to retain tax-deferred status. But one wrong move, one simple mistake, can produce the opposite result'immediate taxability! This course covers the rules that apply to Rollovers and Roth conversions and how to execute these transactions in accordance with the tax code, regulations, and IRS rules.

Generally, distributions for IRA owners and plan participants' employer plans are optional until the account owner or plan participant reaches their applicable age to start the required minimum distribution (RMDs). Distributions made early can be subject to a 10% additional tax, but exceptions apply. RMDs are subject to an excise tax unless taken by the deadline. This course will demonstrate how advisors can work with clients who avoid these excise taxes.

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.

Retirement planning remains one of the most important and high-risk advisory services provided by Professionals. From rollover recommendations and retirement income design to beneficiary planning and fiduciary obligations, advisers must balance client goals, regulatory expectations, and long-term financial outcomes when developing retirement strategies.

In this comprehensive course, Attendees will explore retirement account structures, rollover analysis, ERISA considerations, distribution planning, and retirement income strategies for advisory professionals. Attendees will review practical approaches involving IRAs, 401(k)s, 403(b)s, defined benefit plans, RMD planning, beneficiary coordination, and documentation standards used in retirement engagements.

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.