Approved IAR CE Courses

This course introduces investment adviser representatives to the fundamentals of annuities and their role in retirement planning. Learners will explore the parties involved in an annuity contract, the different types of annuities, and the phases of accumulation and annuitization. The course also examines payment options, contract riders such as income and long-term care benefits, and how these features can be matched to client needs. By the end, participants will have the knowledge to explain annuity structures, evaluate their suitability, and help clients make informed decisions about using annuities as part of their financial strategy.

This course provides investment professionals with an in-depth understanding of the key provisions and features found in annuity contracts. Learners will explore common elements and how they impact both consumers and insurers. The course also examines administrative charges, commissions, and state premium taxes, as well as the role of financial strength ratings, reserves, and guaranty associations in safeguarding annuity owners. By mastering these concepts, participants will be able to evaluate annuity products more effectively and guide clients in making informed decisions about their retirement planning.

This course provides investment professionals with a comprehensive overview of how annuities are taxed during accumulation, payout, and at transfer to beneficiaries. Learners will explore the distinctions between qualified and non-qualified annuities, key concepts such as tax deferral, exclusion ratios, Required Minimum Distributions (RMDs), and the impact of early withdrawals and penalties. The course also addresses special tax provisions, including 1035 exchanges, long-term care exceptions, and beneficiary rules, equipping advisers to guide clients toward strategies that maximize tax efficiency while avoiding costly mistakes.

This course provides investment professionals with a comprehensive understanding of anti-money laundering (AML) and combating the financing of terrorism (CFT). Learners will explore how criminals disguise illicit funds, the evolving tactics used in placement, layering, and integration, and the economic and reputational damage these crimes cause. The program also covers U.S. and international laws, regulatory bodies, and industry responsibilities in preventing financial crime. Through real-world examples and red flag identification, participants will gain the skills to recognize suspicious activity and uphold ethical and professional standards in protecting the integrity of the financial system.

This course explores the growing risks of cybercrime and identity theft, equipping professionals with the knowledge to recognize threats and implement safeguards. Youll learn about common attack methods, vulnerable technologies, and best practices for protecting sensitive data in both personal and business contexts. The course also covers key laws, regulations, and insurance considerations to help you guide clients in mitigating risks. By the end, youll be prepared to identify vulnerabilities, respond to incidents, and strengthen cyber resilience.

This course examines the growing issue of financial exploitation, particularly among vulnerable populations such as older adults. Learners will explore common tactics used by perpetrators, warning signs that exploitation is occurring, and the legal and ethical responsibilities of financial professionals in addressing these risks. By the end of the course, the learner will be able to recognize exploitation, take appropriate preventive measures, and support clients in safeguarding their financial well-being.

This course provides investment professionals with a comprehensive overview of fixed and variable annuities, highlighting their unique features, benefits, and risks. Learners will explore key contract provisions such as interest crediting methods, surrender charges, payout options, and riders, as well as the regulatory framework governing these products. By comparing the safety and predictability of fixed annuities with the market-driven potential of variable annuities, participants will gain the knowledge to evaluate suitability and guide clients toward informed retirement planning decisions.

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.