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IARCE: Everything You Need To Know
Who is required to complete IAR CE?
Every Investment adviser representative who works in a jurisdiction that has adopted the NASAA Model CE Rule must meet NASAA’s annual continuing education requirements. This includes all individuals who represent state and SEC registered advisers. Effectively if you work in one of the states that has adopted the CE requirement and you have passed the series 65 or the series 7 & 66 you are subject to the rule. It also includes any individual whose professional designation exempts them from taking the series 65 or series 7 & 66 exams who are working as advisers.
Do I need IAR CE if I work for an SEC registered Investment Adviser ?
Yes, If you are located in one of the more than 25 states and territories that require IARCE you must meet the continuing education requirement every year.
What States Require IARCE?
Each of the States below have adopted NASAA mandated CE requirements for investment adviser representatives.
- Arkansas (effective in 2023)
- California (effective in 2024)
- Colorado (effective in 2024)
- Florida (effective in 2024)
- Hawaii (effective in 2024)
- Illinois (effective 1/1/2026)
- Kentucky (effective in 2023)
- Maryland (effective in 2022)
- Michigan (effective in 2023)
- Minnesota (effective in 2025)
- Mississippi (effective in 2022)
- Nebraska (effective in 2025)
- Nevada (effective in 2024)
- New Jersey (effective in 2025)
- North Dakota (effective in 2024)
- Oklahoma (effective in 2023)
- Oregon (effective in 2023)
- Rhode Island (effective in 2025)
- South Carolina (effective in 2023)
- Tennessee (effective in 2024)
- Vermont (effective in 2022)
- Washington, D.C. (effective in 2023)
- Wisconsin (effective in 2023)
- U.S. Virgin Islands (effective in 2025)
How many IARCE Credits do I need ?
Every IAR subject to the continuing education requirement must complete a minimum of 12 continuing education credits each year. NASAA mandates that 6 of the credits must be completed in approved ethics courses. The remaining 6 credit hours must be completed in approved products and practices courses.
Does my Regulatiory Element CE count towards my IARCE requirement if I work at a broker dealer who is also an investment adviser?
If you are subject to the FINRA regulatory element training requirements you may use the completion of the training to meet part of your IARCE requirements. In order to count the completion towards your product CE you must or your firm must report your completion to FINPRO and pay the credit reporting fee. You will still be required to complete the 6 hours of annual ethics training.
What are the IAR CE credit Reporting Requirements ?
All credit reporting must be submitted to NASAA. Agents and their firms may report qualified credits directly to FINPRO and pay the fee. Agents who complete our IARCE approved courses will have their credits reported to NASAA automatically.
Can I complete MY IARCE online ?
Absolutely. In fact, most agents prefer on demand training programs so they can complete courses as their schedule allows. NASAA mandates the amount of time each course must be to qualify for credit. As a general rule each credit requires 50 minutes of training. Therefore, agents can expect to spend between 10 and 12 hours to qualify for all 12 credits. This is much easier to complete over the course of 1 year. It can be a daunting task If you wait until the end of the year to get started
How are my CE credits reported to NASAA and my state ?
Agents and their firms may report credits to FINPRO and pay the credit reporting fees. As a NASAA approved provider of IARCE your credits will be reported for you on your behalf.
What happens if I don’t complete my IAR CE on time?
This is definitely not a situation you want to find yourself in. Many states will not allow an agent to renew their registration without proof that the continuing education credits have been completed. This can impact your ability to function as an agent and limit your ability to speak to clients and to receive fee based compensation.
Can I carry over IARCE credits to next year ?
Unfortunately NASAA does not allow extra credits to be carried over to following years. So if an agent has received more than 12 qualifying credits in any one year, those cannot not be “banked” for the next year. NASAA only accepts the 12 required credits and the remaining credits will expire at the end of the reporting period.
Can I retake the same IARCE courses each year ?
No NASAA does not allow agents to receive credits for the same courses over and over again. Once you have completed a course you must complete new courses for the next reporting year. You must wait a minimum of one year before retaking a prior course.
Where can I get my IARCE credits ?
You can get all 12 of your IARCE credits right here. Fast online and we take care of all of the reporting for you. Smply click on this link 12 Hour IARCE Course
