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JUNE 2025 ISSUE

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Advisor News Insight

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INDUSTRY NEWS

Annuity Planning

IRS Posts Ruling on Individual Retirement Annuity

The Internal Revenue Service last week posted an unusual private letter ruling: one that lists “individual retirement annuities” as a subject. The ruling, Private Letter Ruling 202519010, is the first about that topic posted since 2002 and only the fourth about the topic in the IRS private letter ruling database. (Allison Bell, Senior Reporter, ThinkAdvisor, 05/20/2025)

Read more | Private Letter Ruling 202519010

Elder Planning

June 15th is World Elder Abuse Awareness Day

World Elder Abuse Awareness Day (WEAAD) was launched by the International Network for the Prevention of Elder Abuse and the World Health Organization at the United Nations. The purpose of WEAAD is to provide an opportunity for communities around the world to promote a better understanding of abuse and neglect of older persons by raising awareness of the cultural, social, economic and demographic processes affecting elder abuse and neglect. (The National Center on Elder Abuse)

Roth 401(k) Planning

Rolling Over Your Roth 401(k)? Here are 4 Must-Know Moves

While rolling over a traditional 401(k) account has its quirks, rolling over a Roth 401(k) comes with a unique set of rules. This article highlights some key considerations to keep in mind when rolling over a Roth 401(k). (Denise Appleby, CEO, Appleby Retirement Consulting Inc., 04/23/2025)

Tax Planning

What To Know About Proposed “Maga Accounts”

House Republicans’ “Big Beautfiul Bill” has more than 1,000 pages of provisions, with few touching on retirement accounts. But tucked inside the massive tax package is the creation of a different kind of investment savings account that promotes financial security for American children. The provision can be found in Part IX MAGA Account Sec. 530 A. (James Van Bramer, Finance Reporter, Plansponsor, 05/13/2025)

House Bill Provisions

Act | Ways and Means

Practice Management

The Modern Client Experience: Are You Delivering What Your Clients’ Need?

The world of financial advising has evolved significantly in recent years. Today’s clients expect more than just investment advice; they seek a holistic, personalized, and tech-driven experience. Adapting to these expectations isn’t optional—it’s essential for growth and retention. Here’s what you need to deliver in the modern client experience. (Independent Advisor Alliance, 03/11/2025)

ASSUMED FEDERAL RATES (AFRs)

§7520 Rate for June is: 5.00%

Assumed Federal Rates

RECOMMENDED SUMMER READING

18 Must-Read Books for
Finance Professionals In 2025

18 Forbes Finance Council members share their top book recommendations for finance professionals in 2025. From insights into the AI revolution to broader business strategy, these reads can help inform your practice and keep you ahead of the curve this year.

ADVISOR TOOLS

Free 2025 Federal Income Tax and
Social Security & Medicare Reference Guides

Our free Federal Income Tax and Social Security & Medicare Reference guides are indispensable resources. The Federal Income Tax Guide keeps you updated on tax rates and regulations, ensuring you provide your clients with the latest insights. Meanwhile, the Social Security & Medicare Reference Guide equips you with comprehensive information to navigate these critical topics, enhancing your advisory services and benefiting your clients’ financial well-being. (No business or personal information required for download.)

Download tax guide

Download reference guide

Financial / Insurance Calculators & Websites

Discover a wealth of online calculators and informational websites tailored to your needs. Our extensive resources cover essential areas such as financial planning, retirement calculations, investment analysis, and insurance needs assessment, empowering you to provide comprehensive guidance and services to your clients.

STATE REQUIREMENT UPDATES

Stay Up-to-Date on Your
State Insurance CE Requirements

Easily access vital information about state insurance license renewal dates, continuing education (CE) requirements, and more by visiting our State Requirements page. Stay informed and streamline your compliance process with this valuable resource.

View updates here

FEATURED COURSE(S)

CE Credits

Meet Your Mandatory CE Requirements

Course Spotlight: “Non Qualified Deferred Compensation Plans and Ethical Practices”

Course Summary: This continuing education course is designed for financial and insurance professionals to deepen their understanding of Nonqualified Deferred Compensation (NQDC) plans and ethical practices in the insurance industry. By the end of the course, participants will be equipped with comprehensive knowledge and practical skills to design, manage, and advise on NQDC plans effectively, while adhering to ethical standards and regulatory compliance.
CE Credit Hours:

State Insurance: up to 20 hours for State Insurance.
(varies by state)
Professional Designations:

20 hours for CFP®
20 hours for IWI (CIMA® / CPWA® / RMA®)

IAR: 12 hours (split-course)

6 hours of Products and Practices
6 hours of Ethics and Professional Responsibility

Format(s): Self-Study
Audience: Financial and Insurance Professionals

Online IAR only course

Self-Study courses

B.E.S.T. CE PROGRAMS

Take Our Online or Self-Study Courses at
Your Own Pace and Take Advantage of
Affordable Prices

As a nationally approved provider by the State Insurance, CFP®, IWI, and IAR Boards, we offer courses that cover a wide range of topics relevant to your practice. Enroll in our online or self-study CE courses and reap the benefits of:

Convenience: You can take our courses from anywhere, at any time.
Affordable pricing: Prices start at $13.95.
High-Quality: Created by a top-notch expert in the financial planning field.
Up-to-Date course content: We regularly update our courses to ensure that you’re learning from the most current information.

Start learning today! Click on the button below to learn more about our online or self-study CE courses.

Note: California, Florida and Texas are the only states available for online CE courses.

Order online CE courses

Purchase Self-Study CE courses

CFP Ethics Webinar

Meet Your 2-hour CFP® Ethics Requirement

Also approved for 2 CE credit hours of CIMA®/CPWA®/RMA® and IAR Ethics

Date: Wednesday, June 18, 2025 | Time: 2:00PM - 4:00PM ET | Cost: See below*

2-hour live webinar presentation: Ethic CE CFP Boards Revised Code and Standards Ethics for CFP Professionals (Course#: 277681) - No exam required.

This webinar is approved by the Certified Financial Planner Board of Standards, Inc. and fulfills the requirement for CFP Board approved Ethics CE. It is designed to educate CFP® professionals on CFP Board’s new Code of Ethics and Standards of Conduct. This webinar presentation does NOT include state insurance CE credit.

*Cost options per license type:

CFP® credit ONLY: $61.50
IWI credit ONLY: $59.00
IAR credit ONLY: $65.00
CFP® credit PLUS IWI credit: $86.50

CFP® credit PLUS IAR credit: $92.50
IWI credit PLUS IAR credit: $90.00
CFP® credit PLUS IWI credit PLUS IAR credit: $117.50

NOTE: Additional fee includes CFP Board fee of $1.25 per credit hour/per student. If you add IAR CE credits, there is also an additional IAR’s governing board filing fee of $3.00 per credit hour/per student. (IAR CE credits are approved in the states that have adopted the NASAA Model Regulations.)

Registering includes the following three web pages: (each may open in a separate window)

Payment: Enter your payment information. A detailed breakdown of costs and fees will appear before you confirm your payment.
Attendee Registration: Fill out the Attendee Registration form to provide your contact details and any other information necessary to receive your CE credit.
GoToWebinar Registration: Enter your First Name, Last Name and Email Address, then click the ‘Register’ button to complete registration for the live webinar.

NOTE: Do not close any of your web pages / browsers
until you are completely done registering. (SEE ABOVE.)

Register for webinar today!

CFP®: This program fulfills the requirement of CFP Board approved Ethics CE. This program is designed to educate CFP® professionals on CFP Board’s new Code of Ethics and Standards of Conduct, which is effective July 1, 2024.

IWI: Investments & Wealth Institute® (IWI) has accepted this CFP® Ethics webinar for 2 hours of CE credit towards the IWI certifications. (CIMA®, CPWA® and RMA®)

NASAA (IAR) Disclaimer: “NASAA does not endorse any particular provider of CE courses. The content of the course and any views expressed are my/our own and do not necessarily reflect the views of NASAA or any of its member jurisdictions.”

IAR CE Programs

Meet your 6-hour IAR Ethics and
Professional Responsibility CE Requirement
Starting at only $74.95.

Also approved for 6 CE credit hours of CFP® and / or
6 CE credit hours of IWI (CIMA® / CPWA® / RMA®) in addition to IAR CE credits.

IAR Virtual Super CE Program Agenda

When: Thursday, June 12^th	Where: 1-hour Live webinar (GoToWebinar platform)
Time: 12:00PM - 1:00PM ET	Price: See detailed pricing options below.

Our Virtual Super CE Program
Consists of the Following:

1-hour live webinar presentation: Ethical Practices and Professional Responsibility
(No CE credit.)

This presentation is designed to present financial and insurance professionals with the ethical practices and standards required when conducting business in their state.

Self-study course: Ethics for Financial and Insurance Professionals (Course #: C25280)

This course is designed to meet the mandatory 6-hour CE credit requirement under the Ethics and Professional Responsibility for Investment Adviser Representatives (IARs).

Virtual final exam (online): Requires you to spend 6 hours of reading and reviewing the self-study course material PRIOR to taking the exam. The 60-question exam requires an invite code that is given to all attendees during the live webinar presentation. To receive CE credit, advisors must obtain a passing grade of 70% or higher. If the exam is not passed on the first attempt, students have two (2) additional retakes for a maximum of three (3) attempts.

Pricing Options

License Type(s)	Cost		License Type(s)	Cost
IAR credit ONLY:	$74.95		IAR PLUS IWI credits:	$99.95
IAR PLUS CFP® credits:	$99.95		IAR PLUS CFP® PLUS IWI credits:	$124.50

Meet Your 6-hr or 12-hr IAR CE Requirement—Online and On Your Schedule!

B.E.S.T. offers two comprehensive courses to help you meet your IAR CE requirements:

6-Hour Ethics and Professional Responsibility Course
12-Hour Guide to Social Security and Ethical Practices Course
(6 hours Products & Practices + 6 hours Ethics)

Ethics for Financial and Insurance Professionals (6-hour)

Course #: C27297 | 6 CE Credit Hours | Starting at $47.95*

This course is specifically designed to fulfill the 6-hour Ethics and Professional Responsibility CE requirement for Investment Adviser Representatives (IARs).

What’s Included in the Course:

6 CE credit hours focused on Ethics and Professional Responsibility
- *$18 Governing Board Fee included in the cost

Online Exam:

60-question online exam
To pass, achieve a 70% or higher score (Maximum of three (3) attempts allowed by NASAA).

Bonus Credits:

6 CE credit hours for CFP® certification
6 CE credit hours for IWI certifications (CIMA® / CPWA® / RMA®)

Ready to Enroll?

Ensure your compliance with minimal time commitment, all online, and at a competitive price. Don’t miss out—Start Today and meet your IAR CE requirements with confidence!

Guide to Social Security and Ethical Practices (12-Hour - split course)

Course #1: C26873 | Course #2: C26874 | 12 CE Credit Hours | Starting at $69.95*

This in-depth course is designed to equip financial advisors with essential knowledge on Social Security programs, rules, and regulations, guiding you through the complexities that impact your aging Baby Boomer clients, their spouses, and dependents. Gain the expertise you need to better serve your clients while fulfilling your IAR CE requirements.

What’s Included in the Online Course:

12 CE Credit Hours Total:
- 6 CE credit hours on Products and Practices
- 6 CE credit hours on Ethics and Professional Responsibility

Online Exam:

120-question online exam
To pass, achieve a 70% or higher score (Maximum of three (3) attempts allowed by NASAA).

Bonus Credits:

10 CE credit hours for CFP® certification
10 CE credit hours for IWI certifications (CIMA® / CPWA® / RMA®)

Why Choose This Course?

Comprehensive and up-to-date content designed to meet all your IAR CE needs.
Flexible online format allows you to complete the course at your own pace.
Competitive pricing that includes all required fees.
Equip yourself with practical knowledge to guide your clients through the complexities of Social Security while maintaining high ethical standards.

Get Started Today

Don’t miss the chance to stay compliant while expanding your expertise. Sign up now and fulfill your IAR CE requirements in one go!

NOTE: Additional fee includes IAR’s governing board filing fee of $3.00 per credit hour/per student. If you add CFP CE credits, there is also an additional CFP Board fee of $1.25 per credit hour/per student. (IAR CE credits are only available for states that have adopted the NASAA Model Regulations.)

NASAA (IAR) Disclaimer: “NASAA does not endorse any particular provider of CE courses. The content of the course and any views expressed are my/our own and do not necessarily reflect the views of NASAA or any of its member jurisdictions.”

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Please note that this newsletter comprises information gathered from various web-based sources, and B.E.S.T. does not assert authorship of the material unless explicitly mentioned. The articles contained herein are copyrighted by their respective publishers. While we have taken measures to verify the functionality of all included links, we cannot guarantee their continuous operation, as publishers may relocate or remove content.

It is important to understand that B.E.S.T. neither endorses nor assumes any responsibility or liability for the accuracy, content, completeness, legality, or reliability of the material linked to in this newsletter. The opinions expressed within this newsletter belong solely to the author and do not necessarily represent the viewpoints of B.E.S.T.

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B.E.S.T. INFORMATION / SERVICES

B.E.S.T. Links

	Corporate Website			Super CE			State Insurance CE

	CFP/IWI/IAR CE			Book a Speaker			(800) 345-5669

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