Approved IAR CE Courses

This course examines the annuity concept and explains what an annuity is and how it works:-The mechanics of the accumulation and payout phases of an annuity, including sample calculations-Settlement options and their appropriate uses-Annuity taxation: Federal income tax treatment of premature withdrawals; lump-sum distributions; and periodic payments.-A comparison of the different annuity contracts available with respect to client suitability.Variable and fixed annuities are discussed in terms of single vs. periodic premium, immediate vs. deferred, qualified vs. non-qualified, and settlement options.

Maximizing value from the purchase of a business requires a detailed understanding of valuation
methods. The Business Valuation course provides insights into the circumstances under which different
valuation methods should be used, and discusses how to sort out those situations in which a
range of valuations are indicated. The course goes on to describe how to value intangible assets, a
number of valuation adjustment factors, valuation mistakes, and similar topics. In short, the course
is a valuable reference for anyone seeking a better understanding of how much a business is worth.

Ethics CE: A Practical Application of CFP Board's Code and Standards fulfills the two-hour requirement for CFP Board-approved Ethics CE. The program is designed to educate CFP professionals on CFP Board's current Code of Ethics and Standards of Conduct, which went into effect on July 1, 2024.

During uncertain times, it is critical to gain an understanding of what is most likely to happen to the economy. This is an essential part of the business planning process. In the Economic Indicators course, we explore the nature of the business cycle and delve into the different types of economic indicators, including those related to labor, retail sales, expenditures, housing, manufacturing, inflation, and consumer confidence. The course also provides extensive coverage of the reports issued by the Federal Reserve. This course is the ideal tool for enhancing the reliability of your planning process.

Few advantages are as sought after by parents for their children than an education that will enable them to grow professionally and enjoy the benefits such an education can help bestow. The federal government supports and encourages their efforts to provide that education through various programs and income tax incentives.This course will examine the programs, credits, deductions and federal income tax treatment of various items that affect saving for and financing an individual's education. In so doing, it will consider:' Qualified tuition programs;' Coverdell education savings accounts;' The education savings bond program;' Federal tax credits for education;' The federal tax treatment of scholarships, fellowships, grants and tuition reductions; and' Deductions available for student loan interest, tuition and fees.

It is entirely possible that you or a loved one will need to enter an assisted living facility, nursing home, or some similar type of housing. This type of care is extremely expensive, and requires informed planning to ensure that you can handle the financial burden. In the Essentials of Long-Term Care course, we cover how to plan for long-term care, the housing options available, how to pay for it, and several associated legal issues.

Ethical Behavior for Financial Professionals examines the nature and scope of ethics, as the foundation of integrity and honesty, and its relationship to compliance. It reviews the requirements of Regulation Best Interest and the Investment Adviser Marketing Rule.

This course will focus on the ethical issues in the sales process. Although its principal attention will be directed to an examination of the ethical concerns encountered in sales in the senior market, the principles developed apply equally to all prospects and clients. Furthermore, while many of the specific ethical breaches examined relate to the sale of insurance and other financial products, the underlying ethical principles also apply to the sale of other products.

In this course we will examine the foundation of ethics and consider the parties to whom the financial services practitioner owes an ethical duty. In addition, we will look at certain ethical yardsticks against which our actions can be measured. Finally, we will discuss the practitioner's sales methods and sales tools and provide a basis for their audit in ethical terms.