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    Ethics Center

    Our exhaustive library of resources and guidelines designed to help professionals  maintain a sterling reputation founded on trust, ethics, and best practices.

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    Sales & Marketing

    Advisor Alert: FINRA to Tighten the Screws on High-Risk Brokers

    By: on May 15th, 2017 • Comments: 0

    In financial services, not only does crime generally not pay, but being a serial regulatory offender often results in tougher regulatory scrutiny. That’s according to a press release from the Financial Industry Regulatory Authority (FINRA) Board of Governors.

    (Read More)


    Sales & Marketing

    Be a Hero: Help Your Clients Find Lost Life Insurance Policies

    By: on April 27th, 2017 • Comments: 0

    Everyone wants to be a hero, right? Now financial advisors can score big points with their clients by helping them find lost life insurance policies. And better yet, they can render assistance by simply referring clients to a free locator service offered by the National Association of Insurance Commissioners. No work and a lot of credit make this service a win/win for both advisors and their clients.

    (Read More)


    Sales & Marketing

    Advisor Alert: Five Ways to NOT Run Afoul of the SEC

    By: on March 22nd, 2017 • Comments: 0

    Remember your high school days . . . a time when your teachers told you what you needed to know and then tested you on it? Unfortunately, real life has a way of testing us without giving us a study guide first—unless you’re an SEC- or state-regulated investment advisor.

    (Read More)


    Sales & Marketing

    Client Confidentiality: How to Walk the Talk (Quietly!)

    By: on March 22nd, 2017 • Comments: 0

    Those of you of a certain age might recall the 1980s bestseller, “All I Really Need to Know I Learned in Kindergarten,” by Robert Fulgham. If you’re not of that age, then I should explain that the book was a series of short essays on how the world would be a whole lot happier if adults behaved more like schoolchildren. Some of the lessons Fulghum stressed were the importance of being kind, of sharing with one another, of cleaning up one’s messes. One of the lessons Fulghum should have covered is the importance of not being a blabbermouth.

    (Read More)


    Sales & Marketing

    Protect Your Clients and Yourself: Raise Your Privacy Game Now!

    By: on March 15th, 2017 • Comments: 0

    For most financial advisors, regulatory compliance is not a favorite part of their job. In fact, they often express negative opinions about it. But when it comes to assuring client privacy, the industry has an effective regulatory framework that advisors should vigorously support. However, the threats to client privacy are so pervasive that mere regulatory compliance isn’t enough.

    (Read More)


    Sales & Marketing

    Minimize Your Conflicts of Interest: Yes, Even Now!

    By: on February 16th, 2017 • Comments: 0

    The topic of conflict of interest induces vertigo, especially now. On the one hand, financial professionals hear that conflicts of interest are bad. Their industry ethics codes urge them to put their clients’ interests ahead of their own. Yet for decades, product manufacturers have also given advisors the option to sell more expensive products in order to earn higher payouts compared to products that offer essentially the same benefits at a lower cost.

    (Read More)


    Sales & Marketing

    Privacy Gold: 3 Steps Top Advisors Take to Protect Client Secrets

    By: on January 25th, 2017 • Comments: 0

    Advisors violated a core rule of customer service—safeguard client confidentiality at all times. Yet even though this principle is enshrined in industry ethics codes and reinforced in countless training programs, financial professionals every day blurt out client secrets, improperly store client documents, and fall prey to cyber-attacks. What gives?

    (Read More)


    Sales & Marketing

    Advisor Alert: SEC Ups Disclosure Requirements for Advisor Social Media Accounts

    By: on January 25th, 2017 • Comments: 0

    The use of social media as a financial-services marketing strategy has come a long way. Less than ten years ago, only a minority of advisors used platforms such as Facebook and LinkedIn to help promote their businesses. Even that was an uphill battle, with compliance departments and financial regulators placing roadblocks in their path. Today, the majority of advisors use such technologies to engage with the public, promote themselves as thought leaders, and to identify experts and best practices that can help them operate more effectively.

    (Read More)


    Sales & Marketing

    Advisor Alert: Adopt Hands-On Strategies for Managing Vulnerable Clients

    By: on December 22nd, 2016 • Comments: 0

    As the new Fiduciary Rule has moved through the enactment process, state and federal regulators have also taken steps to raise awareness of senior exploitation, while also making it easier for financial advisors to place a temporary hold on money disbursements if they suspect client incapacity (FINRA proposed Rule 2165.)

    (Read More)


    Sales & Marketing

    Client Communications: Six Ways to Slay the Information Overlord

    By: on December 16th, 2016 • Comments: 0

    How do you execute client communications when when the entire world is awash in information? This has been a problem for several decades, ever since mass media emerged in the Fifties and Sixties, corporate advertising took off in the Seventies and Eighties, and the mother of all communication technologies—the Internet—took wing in the Nineties. Because of the last trend, the problem has shifted from battling information overload to slaying the information overlord.

    (Read More)


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