NRS Course Catalog

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401(k) Plans

Course Code: CE_401K

Audience

401(k) Plans is an intermediate course intended for retail representatives and investment adviser representatives, as well as any financial service industry professional interested in learning about 401(k) plans as a retirement plan option. The course is designed for representatives who open retirement accounts for retail investors and plan sponsors, and advise them on issues related to retirement savings, as well as those who would like to learn more about this increasingly popular retirement plan option.

Course Description

401(k) Plans gives students a detailed overview of one of the most popular retirement investment vehicles. The course begins with a broad history of retirement planning and ERISA, and introduces the two main types of retirement plans. Lesson 2 discusses 401(k) plans in detail, highlighting contributions, distributions, and withdrawals, as well as eligibility and vesting. Lesson 3 delves into what options are available when a plan participant leaves an employer, and covers rollovers and Roth 401(k)s. The final lesson gives an overview of the Department of Labor's new fiduciary standard and how it will affect 401(k)s.

CFP Program ID: 234831     CFP Credit Hours: 1.00

529 Savings Plans

Course Code: CE_529

Audience

This course is intended to provide Series 6 and Series 7 registered representatives and investment adviser representatives with a basic understanding of 529 savings plans. The individuals who would most benefit from this course are those who already understand basic suitability requirements.

Course Description

529 plans can be an important part of any financial plan. This course:

  • Explains 529 plans
  • Dispels common misconceptions regarding 529 plans
  • Reviews the tax advantages and disadvantage of 529 plans
  • Reviews appropriate sales practices

As sales tools, the course provides a suitability checklist for 529 plans, as well as a college savings plan comparison chart that compares the features of various savings vehicles.

CFP Program ID: 234833     CFP Credit Hours: 1.00

Alternative Mutual Funds

Course Code: CE_AMF

Audience

This intermediate course is intended for registered representatives, investment adviser representatives, and other investment professionals who are interested in alternative mutual funds.

Course Description

Marketed as sophisticated, actively-managed hedge fund-like strategies, alternative mutual funds are growing in popularity with a market that represents over $300 billion under management as of November 2014. Regulators are concerned that representatives and their clients may not have a full understanding of how these products are affected by various market conditions, or that fund companies are not being properly vetted with a due diligence process.

This course provides a well-rounded look into the world of alternative mutual funds (AMFs). The course begins with a lesson on the differences between AMFs and traditional mutual funds, and AMFs and hedge funds, as well as some of the strategies employed by alternative fund managers. Lesson 2 is an overview of the current regulatory concerns regarding alternative mutual funds. The final lesson delves into the best due diligence and sales practices that should be used when firms and reps are selling AMFs, including suitability and disclosure requirements. Tools to help reps make AMF recommendations are also provided and two case studies are presented to illustrate the importance of following regulatory obligations.

CFP Program ID: 234834     CFP Credit Hours: 1.00

AML - A Historical Review

Course Code: CE_AMLHR

Audience

AML - A Historical Review is intended for securities industry professionals interested in recent developments and trends in anti-money laundering activities and efforts, as well as the changing regulatory environment. This course presumes that the reader has a basic understanding of the AML requirements under the Patriot Act.

Course Description

The aim of this course is to give financial services professionals a review of past trends in money laundering schemes. Lesson 1 briefly reviews anti-money laundering basics, while Lessons 2 and 3 look at some of the most recent hot topics in the reporting of suspicious activity, trendy schemes in moving money both abroad and in the U.S., and advisories from FinCEN and FINRA. The course concludes with case studies that highlight the consequences of noncompliance with anti-money laundering rules and regulations.

CFP Program ID: 234835     CFP Credit Hours: 1.00

AML Policies and Procedures

Course Code: CE_AMLPP

Audience

AML Policies and Procedures is directed toward individuals working in financial services firms. Representatives, supervisory principals, operations staff, and administrative staff will find this course informative and descriptive.

Course Description

This course describes anti-money laundering (AML) policies and procedures designed to detect and prevent money laundering using brokerage accounts or investments in securities and insurance products. The course also explains how these AML policies and procedures must be followed and amended as needed to reflect any new rules or regulations. The overall objective of this course is to describe the risk-management policies and procedures that help prevent money laundering or other illegal activities at financial services firms.

CFP Program ID: 234836     CFP Credit Hours: 1.00

AML Red Flags - Retail and Operations

Course Code: CE_AML_RF

Audience

AML Red Flags --- Retail and Operations is intended for the retail registered representative who opens customer accounts, verifies customer identity information, executes customer transactions, and identifies and deals with potential AML risks.

The course is also intended for operation specialists who monitors customer information at opening and throughout the customer's transaction history, and who may discover AML risk factors that the registered rep has not realized.

Course Description

AML Red Flags --- Retail and Operations presumes that the reader has a basic understanding of the anti-money laundering requirements under the USA PATRIOT Act of 2001 (PATRIOT Act) and The Bank Secrecy Act of 1970 (BSA). The Patriot Act amended the BSA to include financial institutions other than banks, including securities firms. The course details the importance of the "know your customer" rules in the AML context. Additionally, the important sources for identifying customers who may have terrorist ties are discussed as are AML red flags that may appear during the account-opening phase.

This course also focuses on red flags during the life of an account: The nature of the account, after opening, and the nature of transactions in the account. Finally, a review of reporting suspicious activity in compliance with the Patriot Act is covered.

CFP Program ID: 200240     CFP Credit Hours: 1.00

Annuity Living Benefit Riders

Course Code: CE_ALBR

Audience

Annuity Living Benefit Riders is an intermediate level course intended for FINRA registered representatives who hold an insurance license in one or more states, and are involved in the sale of fixed and/or variable annuities. This course is most valuable to representatives interested in learning more about guaranteed living benefit riders and other riders associated with annuities.

Course Description

This course on Annuity Living Benefits Riders begins with a review of the basic characteristics of fixed and variable annuities and then describes the evolution in annuities and the dramatic increase in the number of guaranteed living benefit riders.

The course includes examples for each of the major living benefit riders and describes the client for which each of the riders is most suitable. It also includes a review of variable annuity and deferred variable annuity suitability guidelines according to FINRA Rule 2330.

CFP Program ID: 200239     CFP Credit Hours: 1.00

Anti-Money Laundering

Course Code: CE_AML_GEN

Audience

Anti-Money Laundering - General is intended for professionals in the insurance and financial services industry, representatives in the banking and securities brokerage industry, as well as mutual fund companies and investment advisers. In short, anyone who holds, handles, manages customer assets, or supervises those who do will likely find value in this course.

Course Description

Anti-Money Laundering - General covers the basics of combating money laundering. It explores the global issue of money-laundering and the procedures that financial institutions and their employees must lawfully follow to detect suspicious activities.

CFP Program ID: 200238     CFP Credit Hours: 1.00

Asset Allocation

Course Code: CE_AA

Audience

Asset Allocation is intended for the registered rep, portfolio managers, or general finance professionals interested in learning (or reviewing) the basic theory behind asset allocation and portfolio management techniques. Although more complicated and sophisticated concepts are included in this course, it is still considered as an introductory-level course. This course serves as a solid refresher for the individual engaged in asset allocation for customer portfolios, as well as an introduction for those pursuing this work or seeking to further their knowledge regarding this vital topic.

Course Description

Asset allocation is the process of determining the optimal allocations for the broad categories of assets (stocks, bonds, cash, and real estate) that suit an investor's time horizon and risk tolerance. This course teaches not only the definition of asset allocation, but also the fundamental methods for determining a sound asset allocation. These methods include formulas and distributions in addition to developing an investor profile. This is a good companion course for FIRE Solution's Investment Adviser Basics course.

CFP Program ID: 234842     CFP Credit Hours: 1.00

Asset-Backed Securities: Non-Conventional Investments

Course Code: CE_ABS_NCI

Audience

This course is intended for brokers, traders, and supervisors who have a well-rounded background in the issuance, distribution, compliance, and risk of asset-backed securities. Those taking this course should have an intermediate to advanced understanding of the securities markets and the wide variety of securities products that are offered for sale to investors.

Course Description

The course reviews the structure and market for asset-backed securities and explains some of the regulatory concerns that financial professionals must understand when dealing with asset-backed securities.

This course also briefly outlines the U.S. Treasury's Term Asset-Backed Securities Loan Facility (TALF) developed to help shore up the U.S. financial system in the wake of the 2008 financial crisis.

CFP Program ID: 234843     CFP Credit Hours: 1.00

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