
AFE test - Accredited Financial Examiner (AFE) Updated: 2023 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Exam Code: AFE Accredited Financial Examiner (AFE) test November 2023 by Killexams.com team | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
AFE Accredited Financial Examiner (AFE) Test Detail: The Accredited Financial Examiner (AFE) examination is a professional certification test administered by the Society of Financial Examiners (SOFE). It is designed to assess the knowledge and skills of financial professionals working in the field of insurance examination and regulation. Below is a detailed description of the test, including the number of questions and time allocation, course outline, test objectives, and test syllabus. Number of Questions and Time: The AFE examination consists of two parts: Part I and Part II. The number of questions and time allocation for each part are as follows: Part I: - 150 multiple-choice questions - Time: 3 hours Part II: - 150 multiple-choice questions - Time: 3 hours The total testing time for the AFE examination is 6 hours. Course Outline: The AFE examination covers various subject areas that are essential for financial examiners in the insurance industry. The test content typically includes the following key areas: Part I: 1. Insurance Accounting and Financial Reporting: - Financial statement analysis - Regulatory accounting principles - Financial reporting requirements 2. Insurance Examination and Financial Analysis: - Examination techniques and procedures - Financial analysis methods - Risk assessment and evaluation 3. Insurance Laws and Regulations: - State and federal insurance laws - Insurance regulatory environment - Compliance and enforcement Part II: 4. Insurance Company Operations and Products: - Insurance company structures and operations - Insurance products and underwriting - Claims management and reinsurance 5. Actuarial Principles and Analysis: - Actuarial concepts and methods - Risk modeling and estimation - Reserving and pricing techniques 6. Insurance Risk Management: - Enterprise risk management - Risk identification and mitigation strategies - Capital adequacy and solvency assessment Exam Objectives: The AFE examination aims to assess the knowledge and skills necessary for financial examiners to effectively examine and regulate insurance companies. The key objectives of the test include: 1. Demonstrating Knowledge of Insurance Accounting and Financial Reporting: Assessing candidates' understanding of financial statement analysis, regulatory accounting principles, and financial reporting requirements in the insurance industry. 2. Testing Competence in Insurance Examination and Financial Analysis: Evaluating candidates' ability to apply examination techniques, perform financial analysis, and assess risk in insurance companies. 3. Assessing Understanding of Insurance Laws and Regulations: Testing candidates' knowledge of state and federal insurance laws, the regulatory environment, and compliance and enforcement processes. 4. Evaluating Familiarity with Insurance Company Operations and Products: Assessing candidates' understanding of insurance company structures, operations, products, underwriting practices, and claims management. 5. Testing Knowledge of Actuarial Principles and Analysis: Evaluating candidates' knowledge of actuarial concepts and methods, risk modeling, reserving, and pricing techniques. 6. Assessing Competence in Insurance Risk Management: Evaluating candidates' understanding of enterprise risk management, risk identification and mitigation strategies, and capital adequacy and solvency assessment in the insurance industry. Exam Syllabus: The AFE test syllabus covers a wide range of Topics in insurance accounting and financial reporting, insurance examination and analysis, insurance laws and regulations, insurance company operations and products, actuarial principles and analysis, and insurance risk management. It is designed to reflect the knowledge and skills required for financial examiners in the insurance industry. The specific content and emphasis may vary slightly across different versions of the exam. Candidates should consult official study guides and resources provided by SOFE for accurate and up-to-date information on the test syllabus. Candidates are advised to allocate sufficient time for comprehensive preparation, including reviewing relevant financial concepts, understanding insurance laws and regulations, studying insurance company operations and products, familiarizing themselves with actuarial principles and risk management techniques, and practicing problem-solving skills related to insurance examination and financial analysis. | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Accredited Financial Examiner (AFE) Financial Accredited test | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Other Financial examsABV Accredited in Business Valuation (ABV)AFE Accredited Financial Examiner (AFE) AngularJS AngularJS AVA Accredited Valuation Analyst CABM Certified Associate Business Manager CBM Certified Business Manager (APBM CBM) CCM Certified Case Manager (CCM) CFE Certified Financial Examiner (CFE) CFP Certified Financial Planner (CFP Level 1) CGAP Certified Government Auditing Professional (IIA-CGAP) CGFM Certified Government Financial Manager (CGFM) CHFP Certified Healthcare Financial Professional (CHFP) - 2023 CIA-I Certified Internal Auditor (CIA) CIA-II Certified Internal Auditor (CIA) CIA-III The Certified Internal Auditor Part 3 CIA-IV The Certified Internal Auditor Part 4 CITP Certified Information Technology Professional (CITP) CMA Certified Management Accountant (CMA) CMAA Certified Merger and Acquisition Advisor (CM and AA) CPCM Certified Professional Contracts Manager (CPCM) 2023 CPEA Certified Professional Environmental Auditor (CPEA) CPFO Certified Public Finance Officer (Governmental Accounting, Auditing, and Financial Reporting) CRFA Certified Forensic Accountant (CRFA) CTFA Certified Trust and Financial Advisor (CTFA) CVA Certified Valuation Analyst (CVA) FINRA FINRA Administered Qualification Examination CEMAP-1 Certificate in Mortgage Advice and Practice (CeMAP) | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Afraid of failing AFE exam? Just download our AFE dumps of mock test with vce practice test makes you enough confident that you pass your AFE test with highest scores. memorizing books is best to Boost your knowledge but real AFE questions are some how tricky. That are handled in our AFE dumps. | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Financial AFE Accredited Financial Examiner (AFE) https://killexams.com/pass4sure/exam-detail/AFE Answer: A Question: 270 The options for securities that insurance entities own and can deliver if the options are exercised by the option buyers are called: A. concealed transactions B. covered-call options C. financial servicing D. safekeeping Answer: B Question: 271 Insurance entities usually write covered-call options because they consider the premium received for writing the options to be either: A. an economic hedge between a decline in market price and security B. a decrease in yield on the underlying risk security C. Both A & B D. Neither A nor B Answer: D Question: 272 What encompasses investment income and gains and losses, as well as custody of investment and recordkeeping? A. Valuation data B. Verification note C. Transaction cycle D. Investment evaluation Answer: C Question: 273 The evaluation and subsequent purchase or sale of investments is based on the judgment of the entity’s investment and finance committees. A. True 80 B. False Answer: A Question: 274 The price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date is called: A. face value B. fair value C. market value D. transaction value Answer: B Question: 275 ___________ is the price in a hypothetical transaction at the measurement date in the market in which the reporting entity would transact for the asset or liability A. Feasible financial price B. Asset/Liability price C. Principal price D. Exchange price Answer: D Question: 276 The market in which the reporting entity would sell the asset or transfer the liability with the greatest volume and level of activity for the asset or liability is known as: A. Transfer market B. Transport market C. Principal market D. Turn-around market Answer: C Question: 277 The highest and best use of the asset is ___________, if the asset would provide maximum value to market participants principally on the standalone basis. 81 A. in-exchange B. in-use C. in-market D. in-sale Answer: A Question: 278 The risk that the obligation will not be fulfilled and affects the value at which the liability is transferred is known as: A. performance risk B. nonperformance risk C. hypothetical risk D. relocation risk Answer: B Question: 279 Valuation technique should be used to measure fair value and is consistent with: A. market, income and risk approach B. market, performance and cost approach C. security, income and risk approach D. market, income and cost approach Answer: D Question: 280 What uses valuation techniques to convert future amounts to a single present amount? A. Risk approach B. Market approach C. Income approach D. Cost approach Answer: C Question: 281 82 The amount that currently would be required to replace the service capacity of an asset is called: A. Risk approach B. Market approach C. Income approach D. Cost approach Answer: D Question: 282 A change in __________ or its application is appropriate if the change results in a measurement that is equally or more representative of fair value in the circumstances. A. Valuation technique B. Value technique C. Investment approach D. Accounting corrections Answer: A Question: 283 To avoid double counting or omitting the effects of risks factors what should reflect assumptions that are consistent with those inherent in the cash flows? A. Economic flow B. Nominal flows C. Discount rates D. Inflation effect Answer: C Question: 284 What technique uses a risk-adjusted discount rate and contractual, promised, or most likely cash flows? A. Asset/Liability weighted B. Fair value C. Present value D. Discount rate adjustment 83 Answer: D Question: 285 Fair quoted techniques used to measure fair value should maximize the use of observable inputs and minimize the use of unobservable inputs. A. True B. False Answer: B Question: 286 What is made on an instrument-by-instrument basis, generally when an instrument is initially recognized in the financial statements? A. Election B. Disclosure C. Eligibility D. Discount Answer: A 84 For More exams visit https://killexams.com/vendors-exam-list Kill your test at First Attempt....Guaranteed! | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Becoming an independent financial advisor is something you might consider if you're ready to step out of the traditional model and reshape your career path. Independence has its benefits, though there are some considerations to weigh in determining whether it's the right move for you. If you're interested in how to become an independent financial advisor, there are a few different pathways you might explore. Ready to grow your advisory business? SmartAdvisor can make connecting with leads easier. Independent Financial Advisor ModelsWhat it means to be an independent financial advisor is ultimately defined by the advisor. There are several models that financial advisors may choose from when making a move to independence. Here are four common models to consider:
In evaluating different options, it's important to consider both your capacity for going independent right now and your long-term vision and goals for doing so. While you may be mentally ready to launch your own firm, for instance, you also need to consider how much time and money you'll have to invest initially to get up and running. How to Become an Independent Financial Advisor
Assuming that independence means starting a firm of your own, there are some specific steps involved in the process. Here's an overview of what you can typically expect when setting up an independent advisory business: Take the necessary exams. Independent advisors must pass the Series 65 exam administered by the Financial Industry Regulatory Agency (FINRA). This multiple-choice test is designed to test advisors' knowledge of federal securities law as well as Topics related to investment advice. You may consider taking the Series 6 or Series 7 exams, which are also administered by FINRA. The Series 6 test tests your competency to run an investment business, while the Series 7 test tests your ability and knowledge to trade securities. Depending on which state you'll do business in, you may also need to obtain Series 63 and Series 66 licenses. Consider additional certifications or designations. While it's not necessary to obtain additional certifications beyond the exams listed above, you may consider doing so in order to enhance your professional credentials. For instance, you may choose to pursue a designation as a certified financial planner (CFP) or a chartered financial analyst (CFA). Holding these types of designations could supply you an advantage when trying to attract new clients to your business. Keep in mind that these types of designations may require you to meet continuing education requirements in order to maintain them. Develop your business plan. Creating a business plan is important as it can serve as a blueprint for building your new advisory firm. A comprehensive business plan encompasses your firm's mission, values and goals, as well as your operational details, financial projections and marketing strategy. Writing a financial advisor business plan isn't a requirement for starting a new firm. However, taking the time to create a blueprint for starting and growing your business can help you set realistic expectations and build in contingencies for any potential setbacks you may encounter along the way. Having a business plan can also be helpful for planning your budget. Starting a firm can be costly if you're leasing premises, purchasing office supplies, spending money on advertising and hiring support staff. Keeping your budget as lean as possible in the beginning may be a priority and you can flesh out all the financial details in your business plan. A thorough plan could also make it easier to get approved for business loans or a line of credit if you plan to finance your firm's launch. Register with federal and/or state agencies. Independent advisors will need to register with the Securities and Exchange Commission or their state regulatory agency before they can begin working with clients. Which one you register with can depend on the amount of assets under management you're responsible for. Here are the guidelines, as established under the Dodd-Frank Act:
Assuming that you'll register with the SEC, you'll need to complete Form ADV to do so. This form collects information about your firm, including the type of clients you serve, the amount of assets you manage and your overall investment strategy. Form ADV can be submitted online through the Investment Advisor Registration Depository (IARD). If you're registering with the state instead, you'll need to contact the applicable regulatory agency to find out what paperwork you'll need to file. Choose a custodian. RIAs are required to work with a custodian in order to be compliant with federal regulatory guidelines. An RIA custodian maintains client assets on behalf of a registered advisor. You may need to do some research to find the right custodian to work with. In doing so, it's helpful to consider things like the support services a custodian offers, what type of tech tools they employ in managing client assets and how much they charge for their services. Tips for Building an Independent Advisory FirmOnce you're registered you can begin working on building your business. Establishing your client base is central to that task. If you're leaving an existing firm to start your own business, you'll need to verify whether you'll be able to take your current clients with you. While some firms are willing to allow advisors to retain their client list when leaving, others may not. So, it's important to know what client information, if any, you'll be allowed to keep when setting up your own firm. You'll also need to think about how you plan to market your business to attract new clients. If you've chosen a specific niche that you'd like to serve, that can make it easier to tailor your marketing tactics to attract the right clients. Your marketing plan may encompass: When marketing your firm, it's important to emphasize your credibility and authority. Some of the ways that you can do that while increasing your firm's media exposure include being a guest on financial podcasts, writing articles for online financial publications and offering to share your knowledge as an expert source for articles on authority websites. If you're having trouble attracting new clients, you may consider using an online lead generation tool to connect with prospects. SmartAdvisor, for instance, can help bring qualified leads to you, leaving you free to focus on other aspects of growing your business. Bottom Line
There's quite a bit that's involved in how to become an independent financial advisor and it's important to evaluate the pros and cons of doing so to decide if it's right for you. Should you decide to move ahead with going independent, proper planning can ensure that the transition goes as smoothly as possible. Tips for Growing Your Advisory Business
Photo credit: ©iStock.com/kate_sept2004, ©iStock.com/andresr, ©iStock.com/kate_sept2004 The post How to Become an Independent Financial Advisor appeared first on SmartReads by SmartAsset.
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The certificate is composed of 18 credits of masters-level graduate coursework with the primary goal of providing students with the education, training and skills necessary to be able to sit for the Certified Financial Planner (CFP) examination. The curriculum is aligned with the CFP® Board’s Principal Knowledge Topics and covers principles and practices of essential areas of financial planning, including:
CFP students enjoy the opportunity to work with clients at the Low-Income Tax Clinic for graduate credit and CFP test experience. Have Questions?
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The UW College of Business and the certified Financial Planning certificate program are nationally accredited by AACSB.
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Students must take the following required courses to receive their certificate*:
View the full online certified financial planning certificate degree program curriculum. *Accelerated path candidates — candidates who bypass the other education requirements — are only required to take FIN 5800: CFP Capstone.
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As a CFP® professional, you can assist with developing and executing financial strategies for your clients. You will help others create financial goals based on existing financial conditions and risk tolerance. CFP®s can offer guidance on managing debt, picking investments, preparing for retirement and setting aside money for both short- and long-term goals.
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Certified Financial Planner Careers
Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations. Are you seeking assistance with your financial management? If so, you’re not alone. Many Americans could benefit from financial guidance. In fact, according to the National Financial Education Council, the average American incurs a cost of $1,200 per year due to a lack of personal finance knowledge. Choosing a good financial advisor can help you avoid these costs and focus on your goals. Financial advisors aren’t just for rich people—working with a financial advisor is a great choice for anyone who wants to get their personal finances on track and set long-term objectives. To find the ideal financial advisor for your requirements, consider following our 5 key steps. Related: Find A Financial Advisor In 3 minutes Step 1: Decide What Part of Your Financial Life You Need An Advisor ForBefore you speak to a financial advisor, decide which aspects of your financial life you need help with. When you first sit down with an advisor, you’ll want to be ready to explain your particular money management needs. Keep in mind that financial advisors provide more than just investment advice. The best financial planner is the one who can help you chart a course for all your financial needs. This can cover investment advice for retirement plans, debt repayment, insurance product suggestions to protect yourself and your family and estate planning. Depending on where you are in life, you may not need comprehensive financial planning. People whose financial lives are relatively straightforward, like young people without families of their own or significant debt, might only need help with retirement planning. People with complex financial needs, however, may need extra assistance. They could be looking to establish college funds or trusts for their children, navigate aggressive debt payment situations or solve tricky tax problems. Not all types of financial advisors offer the same menu of services, so decide which services you need and let this guide your search. Step 2: Learn About the Different Types of Financial AdvisorsThere’s no federal law that regulates who can call themselves a financial advisor or provide financial advice. While many people call themselves financial advisors, not all have your best interest at heart. That’s why you have to carefully evaluate potential financial advisors and make sure they are good for you and your money. Part of learning about the different types of advisors is understanding fiduciary duty. Some, but not all, financial advisors are bound by fiduciary duty, meaning that they are legally required to work in your financial best interest. Other people who call themselves advisors are only held to a suitability standard, meaning they only must suggest products that are suitable for you—even if they’re more expensive and earn them a higher commission. (The SEC is trying to regulate this, though, by limiting the use of “advisor” to those who hold themselves to a fiduciary standard.) Regardless of which kind of advisor you choose, you should make sure you know how they earn money. This helps you determine if their recommendations are actually better for you—or for their wallets. Here’s how to think about these four types of financial advisors: Fee-Only Financial AdvisorsFee-only financial advisors earn money from the fees you pay for their services. These fees may be charged as a percentage of the assets they manage for you, as an hourly rate, or as a flat rate. Almost all fee-only advisors are fiduciaries. Generally speaking, they have chosen to work under a fee-only model to reduce any potential conflicts of interest. Because their income is from clients, it’s in their best interest to make sure you end up with financial plans and financial products that work best for you. Financial Advisors Who Earn CommissionsSome financial advisors make money by earning sales commissions from third parties. Among financial advisors that earn sales commissions, some may advertise themselves as “free” financial advisors that do not charge you fees for advice. Others may charge fees, meaning they derive only part of their income from third-party commissions. Either way, financial advisors who earn third-party sales commissions derive some or all of their income from selling you certain financial products. If you choose to work with a financial advisor who earns sales commissions, you need to take extra care. Commission-only advisors are not fiduciaries. They work as salespeople for investment and insurance brokerages and are only held to suitability standards. In contrast, some fee-based financial advisors are fiduciaries, though it’s important to determine if they’re always acting as fiduciaries or if they “pause” fiduciary duty when discussing certain types of products, like insurance. Related: Find A Financial Advisor In 3 minutes Keep in mind, commissions aren’t bad in and of themselves. They’re not even necessarily red flags. Some financial products are predominantly sold under a commission model. Take life insurance: A fee-based planner who receives compensation for helping you purchase a life insurance policy may still have your best interests at heart when advising on other financial products. “To be clear, there’s nothing wrong with paying the commission for life insurance,” says Karen Van Voorhis, a fee-based certified financial planner (CFP) and Director of Financial Planning at Daniel J. Galli & Associates in Norwell, Mass. “That’s how the structure of that industry works.” Purchasing financial products via financial advisors that earn commissions may be a matter of convenience, especially if someone will receive a commission regardless of where you buy the product. What’s important is understanding the difference. And if you work with a fee-based financial advisor, understand when they are acting as a fiduciary, especially when they help you purchase financial products. Looking For A Financial Advisor?Get In Touch With A Pre-screened Financial Advisor In 3 Minutes Registered Investment AdvisorsRegistered Investment Advisors (RIAs) are companies that provide fiduciary financial advice. RIAs employ Investment Advisor Representatives (IARs), who are bound by fiduciary duty. An RIA may have one or hundreds of IARs working for it. IARs may call themselves financial advisors and may be fee-only or fee-based. Some may have additional credentials, including the certified financial planner (CFP) designation. “The certified financial planner designation is really the gold standard in the financial planning industry,” says Van Voorhis. A CFP designation indicates a financial advisor has passed rigorous industry exams covering real estate, investment, and insurance planning as well as has years of experience in their fields. Because of their wide range of expertise, CFPs are well-suited to help you plan out every aspect of your financial life. They may be particularly helpful for those with complex financial situations, including managing large outstanding debts and will, trust and estate planning. Robo AdvisorsRobo advisors offer low-cost, automated investment advice. Most specialize in helping people invest for mid- and long-term goals, like retirement, through preconstructed diversified portfolios of exchange-traded funds (ETFs). “For younger people who are really tech-savvy, a robo advisor just to manage retirement funds could be a perfect solution,” says Brian Behl, a CFP at Behl Wealth Management in Waukesha, Wisc. “I don’t think they’re going to get as in-depth advice on insurance and retirement and taxes.” People with complex financial needs should probably choose a conventional financial advisor, although many robo advisors provide financial planning services a la carte or for higher net-worth clients. “While the robo advisors have really disrupted the industry…I do think there’s still a place for human advisors right now,” says Corbin Blackwell, a CFP at robo advisor Betterment. Betterment, for example, allows clients to purchase individual financial advising sessions, and Personal Capital, Wealthsimple, and Betterment provide regular financial planning for clients with higher account balances for a management fee. Step 3: Choose What Kind of Financial Advice You NeedServices offered by financial advisors vary from advisor to advisor, but they may provide financial advice on any of the following topics:
In addition to investment management and financial planning, financial advisors also offer emotional support and perspective during volatile economic times. During the beginning of the coronavirus pandemic in March of 2020, for instance, client demand for financial advisor contact increased by almost 50%. Related: Find A Financial Advisor In 3 minutes “I think that during these times, we can be a source of reason,” says Blackwell. “We can weather the storm. We’ve built this portfolio for a reason.” When choosing a financial advisor, make sure they offer the services you’re looking for in your financial and non-financial lives. Looking For A Financial Advisor?Get In Touch With A Pre-screened Financial Advisor In 3 Minutes Step 4: Decide How Much You Can Pay Your Financial AdvisorIt used to be that financial advisors charged fees that were a percentage of the assets they managed for you. Today advisors offer a wide variety of fee structures, which helps make their services accessible to clients of all levels of financial means.
Step 5: Research Financial AdvisorsFinancial advice comes in many forms, and there are a variety of different kinds of financial professionals, so you need to do your homework. Make sure the advisor guiding your financial decisions is trustworthy and capable. There are a few good ways to find a financial advisor. Ask friends, family and peers for recommendations when trying to find a financial advisor near you. Alternatively, look for financial advisors online. Many professional financial planning associations provide free databases of financial advisors: When evaluating advisors, be sure to consider their credentials as well as research their backgrounds and fee structures. You can view disciplinary actions and complaints filed against financial advisors using FINRA’s BrokerCheck. And remember, just because someone is part of a financial planning association, that doesn’t mean they’re a fiduciary financial advisor. Economic InsightsA Financial advisor can help you make decisions based on current economic conditions you may not be aware of. In August of 2023, we’re in a high interest rate environment with inflation cooling down but still a significant factor. A financial advisor may urge you to pay off high interest debt, take advantage of high yield savings accounts, and continue to invest in tax efficient accounts so you aren’t actively losing money to inflation. Key Questions to Ask When Choosing a Financial AdvisorWhen meeting a financial advisor for the first time, it’s important to obtain the answers to these questions and ensure you’re satisfied with their responses:
Related: Find A Financial Advisor In 3 minutes The Bottom LineBecause of the ambiguity in the industry, you have to exercise caution to make sure you get the right financial advisor who meets your fiduciary and financial needs. That said, when you choose the right financial advisor for you, they can help you achieve your financial goals and financially protect your loved ones and their futures. “So much of what I do in a life-centered approach to financial planning and wealth management is walk out life with people,” says Wes Brown, a CFP at CogentBlue Wealth Advisors in Knoxville, Tenn. “I think there’s value in an ongoing relationship where somebody can help you walk through the various waypoints you’re going to come to. Looking For A Financial Advisor? Get In Touch With A Pre-screened Financial Advisor In 3 Minutes Financial Advisor Frequently Asked Questions (FAQs)What is a financial advisor?Financial advisors are personal finance experts who supply you financial advice and manage your money. Some—but not all—are fiduciaries. A fiduciary acts only in your best financial interest. “A financial advisor is like a coach,” says Matt Chancey, a certified financial planner (CFP) at Dempsey Lord Smith in Tampa, Fla. “It helps to have someone keep you accountable to your goals and make sure that you aren’t making any major missteps.” What can a financial advisor do for you?A good financial investment advisor can evaluate your current situation and develop a comprehensive plan to guide you through your financial life. “You don’t know what you don’t know,” says Marianela Collado, a CFP and certified public accountant (CPA) at Tobias Financial Advisors in Plantation, Fla. “By opening your finances up, a good financial adviser can suggest a wide range of opportunities that the client probably never thought of or wouldn’t even know to ask for.” Who needs a financial advisor?Though some people may think they don’t need a financial advisor until they’ve amassed at least $1 million, the amount of assets you hold shouldn’t be the sole determining factor. In fact, financial advisors work with clients of all tax brackets and backgrounds. How much does a financial advisor cost?Financial advisor fees can vary widely. This is due to there being different methods for a financial advisor to generate their income. Some advisors are fee-only. Other advisors are commission-based. Some advisors even work on a hybrid model between the two. It’s recommended that you research how the individual advisor you’re choosing generates their income before starting to work with them. When should I get a financial advisor?Financial advisors become most helpful when your financial life becomes complex. That might be when you get married, have children, get divorced, are managing many competing debts, come into an unexpected windfall or are navigating end-of-life financial decisions. There are more than 200 designations and certifications available to financial professionals, comprising an alphabet soup of distinctions that confuse consumers and fellow professionals alike. If you are searching for a financial planner, know that quality is more important than quantity. Distinguishing between various distinctions, such as CFP® vs. CPA, is key to making sure you receive the best advice. Two of the most recognizable financial credentials are the CPA license and CFP® certification. CPAs and CFP® professionals have different but complementary areas of expertise, and some professionals hold both credentials. When considering who to hire, it’s important to understand their roles individually and to know when it makes sense to work with an adviser who has both credentials. The Certified Public Account’s RoleTo earn the CPA license, accountants must complete at least 150 hours of education, pass a rigorous four-part test and meet experience requirements, according to the Association of International Certified Professional Accountants (AICPA). In a corporate setting, CPAs can offer financial statement audits and other attestation services to help inform investors about the financial health of organizations. Additionally, they often provide tax, financial reporting and advisory services to corporations, small businesses, nonprofit organizations, governments and individuals. Sign up for Kiplinger’s Free E-NewslettersProfit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail. Profit and prosper with the best of expert advice - straight to your e-mail. A CPA can be helpful in the realm of personal finance as well. A CPA is useful for individuals in tax preparation and for discussing an individual’s tax situation with the IRS. CPAs can also be useful to business owners for bookkeeping and tax matters associated with an individual’s business. Some CPAs even have additional training that may help with business valuation, or detecting fraud, which can be helpful to business owners. CPAs complete rigorous training and are helpful in very specific circumstances. But most accountants do not feel comfortable advising on the various complexities inherent in personal finance or myriad other important financial decisions that may require advice from a specialized expert. To truly achieve your short- and long-term financial goals, you will likely benefit from working with a professional who is trained to take a more holistic and forward-looking approach to your personal finances. The Certified Financial Planner’s RoleIn short, a financial planner is an individual who advises clients on their personal finances. The CERTIFIED FINANCIAL PLANNER™ certification is the standard of excellence in financial planning. Much like the CPA license, the CFP® certification requires completing coursework, fulfilling relevant experience requirements, agreeing to adhere to a set of ethical mandates and passing the CFP® exam, which consists of two three-hour sessions over one day. The requirements for CFP® certification are just as rigorous as for the CPA license, and the education requirements include similar foundational topics, such as tax regulations and risk management. The comprehensive education for CFP® professionals, however, expands into the general principles of financial planning and other personal finance Topics such as investments and retirement planning. In recognition of the overlap between CPAs and CFP® professionals, the Certified Financial Planner Board of Standards, Inc. (CFP Board) provides an accelerated path for professionals with select credentials, including the CPA license, who are working toward CFP® certification. While CPAs can assist with examining past financial information to reduce taxable liability retrospectively, financial planners consider a wide range of opportunities to grow and protect your wealth through careful planning. CFP® professionals focus heavily on strategic financial management and maintain a strong interest in budgeting, savings, insurance and estate planning. CFP® professionals closely review your current financial standing and, based on your financial goals, develop an investment and financial plan to help you accumulate wealth. Although both CFP® professionals and CPAs can help clients maximize their incomes by reducing taxable liability, financial planners are also looking ahead to find new ways to grow their clients’ net wealth. CFP® professionals are continuously looking for new ways to strengthen and deepen client relations at different touchpoints throughout the year. CFP® professionals understand that discussing your financial future can be emotional and stressful. That is why CFP Board recently added a new section to its test topics, the Psychology of Financial Planning, to teach the emotional and interpersonal aspects of financial planning. This subject prepares CFP® professionals — and CPAs who complete the accelerated path program — to counsel clients who are experiencing monetary conflict or financial stress, helping them to move forward holistically. Your Financial GoalsIf you are looking for a professional to help you evaluate your past financial statements and solve some portion of your tax situation, a CPA may be helpful, especially if you have complicated income streams. However, if you’re looking to begin a relationship with someone who can provide ongoing, forward-looking advice as well as financial peace of mind, a CFP® professional could be a better fit. Whether you’re looking to save for retirement, establish an estate plan or make strategic investments, a CFP® professional will typically be better equipped to evaluate and navigate the best route for you. SAN ANTONIO, November 14, 2023--(BUSINESS WIRE)--bioAffinity Technologies, Inc. (Nasdaq: BIAF; BIAFW), a biotechnology company addressing the need for noninvasive detection of early-stage lung cancer and other diseases of the lung, today reported financial results for the three and nine months ended Sept. 30, 2023, and provided a business update. Highlights from the third quarter of 2023 and subsequent weeks included: Corporate and Commercial Highlights
Management Commentary "The transformative strategic acquisition of PPLS in September gives us a strong revenue base as we move forward with the rollout of our game-changing CyPath® Lung test. PPLS is forecast to contribute $8.7 million in net revenue over the next 12 months, with additional upside as we work to expand sales of CyPath® Lung regionally and nationally," bioAffinity President and Chief Executive Officer Maria Zannes said. "We achieved another significant milestone in September when we received a preliminary payment decision from CMS for CyPath® Lung that is in line with the July 2023 payment recommendation from the Medicare Advisory Panel on Clinical Diagnostic Laboratory Tests. The CMS payment determination is a crucial step forward in our commercial rollout of our noninvasive test to Boost detection of early-stage lung cancer," Ms. Zannes said. " As we begin our pilot marketing program for CyPath® Lung in Texas, we look forward to applying what we learned in our beta market testing and informing and accelerating our regional and national rollout plans. As we plan to expand the geographic reach, add prescribing physicians, and partner with larger medical systems, we anticipate substantial revenue growth for CyPath® Lung." Third Quarter Financial Results Revenue for the third quarter of 2023 increased to $298,484, up from $1,150 in the prior-year period. Prior to the Sept. 18, 2023, acquisition of PPLS, bioAffinity Technologies’ revenue was generated from royalties from sales of CyPath® Lung as a laboratory developed test (LDT), clinical flow cytometry services related to CyPath® Lung, and CyPath® Lung tests purchased by the DOD. Post-acquisition of PPLS, beginning Sept. 19, 2023, the income from royalties and clinical flow cytometry services was classified as related party income and eliminated from consolidated net revenues, while additional revenue streams from PPLS were consolidated. PPLS generates three sources of revenue: patient service fees, histology service fees and medical director fees. Sales to the DOD were $4,500 for the third quarter of 2023. Research and development expenses were $330,376 for the third quarter of 2023, compared with $319,744 for the comparable period in 2022. The increase was primarily due to higher compensation costs from adding research personnel and higher costs for lab supplies and reagents. Clinical development expenses were $106,422 for the third quarter of 2023, compared with $60,941 for the third quarter of 2022. The increase was primarily due to higher professional fees related to clinical strategy evaluation for the pivotal clinical trial of CyPath® Lung. Selling, general and administrative expenses were $2.0 million for the third quarter of 2023, compared with $595,702 for the comparable period in 2022. The increase was primarily attributed to higher accounting, legal and professional fees related to the acquisition of PPLS and being a publicly traded company, higher board compensation, employee and stock-based compensation, and sales and marketing costs for commercialization of CyPath® Lung. Net loss for the third quarter of 2023 was $2.3 million, or $0.26 per share, compared with a net loss of $4.9 million, or $1.17 per share, for the comparable period in 2022. Cash and cash equivalents were $4.5 million as of Sept. 30, 2023, compared with $11.4 million as of December 31, 2022. Management will assess opportunities to raise additional capital when the markets are favorable. 2023 Financial Outlook and Next Twelve Months The Company expects to generate between $2.1 and $2.3 million in net revenues for 2023. This is up from $4,800 in 2022. Over the next 12 months (fourth quarter 2023 to third quarter 2024), the Company expects to generate between $8.4 and $9.0 million in net revenues. CyPath® Lung sales are expected to trend up as the Company expands its sales force and marketing efforts. Through Sept. 30, 2023, the pilot marketing program for CyPath® Lung had 20 physicians enrolled, 15 physicians who had ordered tests for their patients and 44 CyPath® Lung diagnostic tests conducted. Over the next 12 months (fourth quarter 2023 to third quarter 2024), the Company expects to grow the number of physicians enrolled to 82, the number of physicians that have ordered to 61, and the number of CyPath® Lung diagnostic tests conducted to 284, which will contribute gross revenues of $457,166. To achieve this growth, the Company plans to expand its sale force from two to five in strategic metropolitan areas of Texas, promote CyPath® Lung through branding and marketing assets, and benefit from broader reimbursement from private payers and public health insurance programs, including Medicare and Medicaid, based on CMS’ final payment determination. About bioAffinity Technologies, Inc. bioAffinity Technologies, Inc. addresses the need for noninvasive diagnosis of early-stage cancer and diseases of the lung, and broad-spectrum cancer treatment. The Company’s first product, CyPath® Lung, is a noninvasive test that has shown high sensitivity and specificity for the detection of early-stage lung cancer. CyPath® Lung is marketed as a laboratory developed test (LDT) by Precision Pathology Laboratory Services, a subsidiary of bioAffinity Technologies. Research and optimization of the Company’s platform technologies are conducted in its laboratories at PPLS and The University of Texas at San Antonio. For more information, visit www.bioaffinitytech.com and follow us on LinkedIn, Facebook and X. Forward-Looking Statements This press release contains certain forward-looking statements within the meaning of the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. These statements are identified by the use of the words "could," "believe," "anticipate," "intend," "estimate," ""expect," "may," "continue," "predict," "potential," "project" and similar expressions that are intended to identify forward-looking statements and include statements regarding CMS finalizing the 2024 payment for CyPath® Lung in November 2023 with an effective date of Jan. 1, 2024, CMS’ final payment determination favorably impacting PPLS’ established fee schedule for CyPath® Lung, determining reimbursement by private insurance carriers, moving forward with the rollout of the Company’s CyPath® Lung test, PPLS contributing $8.7 million in net revenue over the next 12 months, additional upside as the Company expands sales of CyPath® Lung regionally and nationally, informing and accelerating the Company’s regional and national rollout plans by applying what it learned in its beta market testing, anticipating substantial revenue growth for CyPath® Lung as the Company expands the geographic reach, adds prescribing physicians, and partners with larger medical systems, assessing opportunities to raise additional capital when the markets are favorable, generating between $2.1 and $2.3 million in net revenues for 2023, generating between $8.4 and $9.0 million in net revenues over the next 12 months, CyPath® Lung sales trending up as the Company expands its sales force and marketing efforts, over the next 12 months growing the number of physicians enrolled in the Company’s pilot program to 82, the number of physicians that have ordered tests to 61, and the number of CyPath® Lung diagnostic tests conducted to 284, contributing gross revenues of $457,166, expanding the Company’s sale force from two to five in strategic metropolitan areas of Texas, promoting CyPath® Lung through new branding and marketing assets, and benefiting from broader reimbursement from private payers and public health insurance programs, including Medicare and Medicaid, based on CMS’ final payment determination. These forward-looking statements are based on management's expectations and assumptions as of the date of this press release and are subject to a number of risks and uncertainties, many of which are difficult to predict, that could cause actual results to differ materially from current expectations and assumptions from those set forth or implied by any forward-looking statements. Important factors that could cause actual results to differ materially from current expectations include, among others, the Company’s ability to roll out its CyPath® Lung test as planned, the Company’s ability to generate substantial revenue for CyPath® Lung by expanding its geographic reach, adding prescribing physicians and partnering with larger medical systems, the Company’s ability to raise additional capital when the markets are favorable, the Company’s ability to expand its sales force and marketing efforts, the Company’s ability to grow the number of physicians enrolled in the Company’s pilot program, the number of physicians that have ordered tests, and the number of CyPath® Lung diagnostic tests conducted, the Company’s ability to promote CyPath® Lung through new branding and marketing assets and benefit from broader reimbursement from private payers and public health insurance programs and the risk factors described in the Company's Annual Report on Form 10-K for the year ended December 31, 2022, the Company's Quarterly Reports on Form 10-Q, the Company's Current Reports on Form 8-K and subsequent filings filed with the Securities and Exchange Commission. The information in this release is provided only as of the date of this release, and the Company undertakes no obligation to update or revise publicly any forward-looking statements, whether as a result of new information, future events or otherwise, after the date on which the statements are made or to reflect the occurrence of unanticipated events, except as required by law.
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