Navigating US Financial Consultancy Compliance

Chosen theme: Navigating US Financial Consultancy Compliance. Welcome to a practical, human-centered guide that turns regulatory complexity into clear action. Join our community for fresh insights, candid stories, and timely updates that help advisers and consultants stay compliant without losing strategic momentum.

SEC vs. States: Where Your Registration Lives

US investment advisers typically register with the SEC at $100 million AUM or more, while smaller firms register with states. Some strategies, client types, and locations trigger different notice filings. Share your registration journey in the comments and subscribe for ongoing jurisdiction updates.

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Broker-Dealer or Investment Adviser? It Matters Deeply

Your business model shapes your obligations. Broker-dealers answer to FINRA and Regulation Best Interest, while advisers fall under a fiduciary duty enforced by the SEC and states. Tell us how you define your model, and follow for practical decision frameworks and checklists.

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Don’t Forget the Specialists: CFTC, NFA, and Beyond

Advisers touching futures or swaps may face CFTC and NFA oversight. Consumer-facing activities could intersect with CFPB expectations. Knowing when specialized regulators apply prevents unexpected exams. Comment if you’ve navigated multi-regulator oversight, and subscribe for a plain-English decision tree.

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Registration and Filings: Getting the Paperwork Right

Part 1A is data-heavy; Part 2A explains your services, fees, and conflicts; Part 2B profiles supervised persons. Update annually within 90 days of fiscal year-end and promptly for material changes. Subscribe for templates that streamline drafting and disclosure governance.

Registration and Filings: Getting the Paperwork Right

Your relationship summary must be concise, client-friendly, and consistent with ADV disclosures. Distribution and recordkeeping are essential. We’ve seen firms elevate client trust by using plain language and examples. Share your CRS lessons learned and get our clarity checklist by subscribing.

The Adviser’s Fiduciary Duty in Practice

Acting in the client’s best interest requires duty of care and loyalty, robust conflict identification, and honest disclosure. Document your rationale, alternatives considered, and costs. Tell us how your firm operationalizes fiduciary care, and subscribe for our decision memo template.

Regulation Best Interest for Broker-Dealers

Reg BI demands disclosure, care, conflict mitigation, and compliance obligations for recommendations. Practical alignment includes standardized product comparisons and fee transparency. Comment if you’re dual-registered, and follow for a side-by-side workflow guide bridging fiduciary and Reg BI processes.

Appoint an empowered CCO, tailor procedures to your services and risks, and complete an annual review supported by evidence. Readers tell us executive sponsorship makes the difference. Share how leadership supports your CCO, and subscribe for our annual review evidence checklist.

Compliance Program Architecture: Build It to Work Daily

Rule 204‑2 requires precise records—advice, trading, communications, and advertising. Centralize retention, include mobile and collaboration tools, and audit regularly. Comment about your recordkeeping tech stack, and follow us for a retention schedule you can adapt immediately.

Compliance Program Architecture: Build It to Work Daily

AML, KYC, and Privacy: Protecting Clients and the Firm

Broker-dealers maintain BSA programs with CIP, SAR, and training. For investment advisers, FinCEN proposals continue to evolve, but regulators expect risk-based diligence. Tell us how you right-size AML controls, and subscribe for an adaptable customer diligence matrix.

AML, KYC, and Privacy: Protecting Clients and the Firm

Deliver privacy notices, limit data use, and implement written safeguards. Identity theft programs under Reg S‑ID protect clients when patterns signal fraud. Comment about your vendor encryption standards, and follow us for a privacy notice template that clients actually read.

Navigating US Financial Consultancy Compliance

Registration and Filings: Getting the Paperwork Right

Registration and Filings: Getting the Paperwork Right

The Adviser’s Fiduciary Duty in Practice

Regulation Best Interest for Broker-Dealers

Compliance Program Architecture: Build It to Work Daily

Compliance Program Architecture: Build It to Work Daily

AML, KYC, and Privacy: Protecting Clients and the Firm

AML, KYC, and Privacy: Protecting Clients and the Firm

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