Are You Benefitting From Your Ethics Approved Status?
Barry L. Dayley, MRFC®, CFP® Contact: (307) 201-8524 chair@iarfc.org
For many financial professionals, being “Ethics Approved” by the IARFC is a prestigious badge of honor. But here’s the question to ask yourself today: Are you fully leveraging the potential of this status? If the answer isn’t a resounding “Yes,” it’s time to reflect and maximize the benefits of your Ethics Approved recognition.
What Does “Ethics Approved” Mean?
Being Ethics Approved ensures that you adhere to the IARFC Code of Ethics, confirming your commitment to integrity, professionalism, and transparency. It’s not just a title; it’s a hallmark of trust. Obtaining this status means having a clear professional record over the past five years and successfully passing the Ethics Exam. Additionally, you undergo thorough biennial verification through FINRA, state licensing records, and online research. This isn’t a box-checking exercise; it’s an elite designation earned through stringent measures.
Why
Does It Matter?
Trust is the currency of the financial industry. Your clients entrust you with their financial future—not exactly a small responsibility. When potential clients see that you’re Ethics Approved, it’s not just reassurance; it’s a differentiator. You’ve proven through action that you’re more than just knowledgeable; you operate with the highest ethical standards.
But here’s the catch: simply holding the status won’t automatically unlock doors. You must wield it.
Unlocking the Benefits of Your Ethics Approved Status
Now, this is where it gets exciting. Too often, financial professionals
earn their Ethics Approved status but fail to integrate it into their everyday branding and operations. Don’t fall into that trap. Here’s how you can fully harness the power of this designation to stand out and build deeper client trust:
1. Showcase Your Ethics Approved Seal
Affix the Ethics Approved seal to your framed RFA ® , RFC ® , or MRFC ® certificate. Elevate your office’s credibility by making it visible to clients and colleagues. Bonus points for ordering business cards with the seal—it’s a subtle yet powerful reminder of your commitment to ethics.
2. Enhance Your Online Presence
Add the digitized Ethics Approved seal to your website’s homepage or an “About Me” section. Position it prominently so visitors can immediately recognize your ethical commitment. Include a link to the IARFC Code of Ethics for an extra layer of credibility.
3. Use It in Client Communications
Mention your Ethics Approved status in client newsletters. This builds trust and reassures existing clients that they’re making the right choice in partnering with you. It’s also a great introduction to showcase your credentials to potential referrals.
4. Leverage Media Opportunities
Request the IARFC “Ethics Approved” media release template and send it to your contacts. Whether you’re announcing this to existing clients, industry peers, or local media outlets, this recognition can significantly boost your professional reputation.
5. Keep it Visible
Order additional Ethics Approved seals as physical reminders of your dedication to ethics. Display these on office desks, at client-facing touchpoints, or even use them as part of your promotional materials.
6. Educate Your Clients
Most importantly, explain to your clients what being Ethics Approved means. Show them the depth of verification and commitment involved. When clients associate you with trust, their loyalty grows stronger.
The Competitive Edge
Here’s a harsh truth in the financial world: Saying you prioritize ethics is one thing; proving it is another. Your Ethics Approved status gives you a competitive edge. It’s not just about proving your worth to prospective clients; it’s also a hard-hitting reminder to competitors that you’re taking ethics seriously.
This is particularly vital in an industry where breaking client trust—even unintentionally—is extremely difficult to recover from. Ethics Approved professionals don’t just claim transparency; they live it.
Partnering with Trust
At IARFC, we don’t just award Ethics Approved status; we provide you with the tools and platform to amplify it. Your success as a financial consultant is tied to your ability to show up as a trusted partner for your clients. Ethics plays a central role in that relationship.
The question now isn’t just, “Are you Ethics Approved?” but “Are you using every available opportunity to elevate your standing as a trusted expert in your field?”
CEO Updates...
Leonard Simpson, RFC®
Changes at the IARFC Headquarters
There are changes happening at IARFC Headquarters. At the beginning of April, IARFC Headquarters went through a computer reorganization to allow the staff to all work remotely.
The IARFC has always been in tune with the needs of their team members. We utilized the remote option to help our staff cope with family obligations, illnesses, and geographic relocations. The need for our physical presence became less important as our life situations changed throughout the years.
While hesitant to work in remote situations at first, COVID was a game changer in realizing that we could function properly and efficiently from anywhere. Once the hardware connections and remote access to our server were figured out, we had the remote options available when needed.
Another transition for the IARFC was to transfer our files from an in-house server to a cloud based platform, upgrading our phone system and payment processing software.
In computer utopia, this all would have been a seemless transfer without complications. However, it was a tough couple of days to first get everything transferred correctly and then to understand how different logging into the cloud system would be.
Thanks to our IT person Randy, and our COO Charlotte, things are getting back to normal operations. If any of you have experienced any issues getting in touch with us, please let us know.
A New Look for the IARFC
The IARFC has a logo rebrand. You will start noticing it in our marketing, the Register , the monthly newsletter, and on the website.
Thanks to Mike Zaino, RFC ® an IARFC US Chapter Board Director who spear headed this project. Logos will soon be available for members to download and use for their own marketing purposed.
Be sure to take a look at the new brochures - redesigned to reflect our new look! (see p. 11)
IARFC Annual In-Person Trustee Board Meeting during Financial Forum!
In the realm of financial consulting, the bedrock of our profession has always been the deep, personal relationships we cultivate with our clients. Listening intently, understanding unique financial aspirations, and providing tailored guidance are the cornerstones of our service.
This human element is irreplaceable. However, as technology evolves, particularly with the advent of artificial intelligence (AI), the methods by which we deliver our services are undergoing a significant transformation. The question arises: Will AI overtake our business, and are we prepared for this shift?
The Unchanging Core of Financial Consulting
At its essence, financial consulting is about trust and personalized counsel. Clients confide in us with their most confidential financial matters, seeking advice that aligns with their individual goals and circumstances. This relational aspect is the heart and soul of what we do and will remain indispensable. No algorithm can replicate the empathy, intuition, and nuanced understanding that a human consultant provides.
The Accelerating Pace of AI Integration
While the foundational principles of our profession remain steadfast, the tools at our disposal are rapidly advancing, with AI leading the
Will AI Take Over Your Business and Are You Ready?
charge. AI's ability to process vast amounts of data swiftly and identify patterns offers opportunities to enhance our services. For instance, AI-driven platforms can analyze market trends, assess portfolio performances, and provide insights that inform our consultancy strategies. This augmentation allows us to serve our clients with greater efficiency and precision.
Compliance Considerations in the Age of AI
The integration of AI into financial consulting brings forth important compliance considerations. As we leverage AI tools, it's imperative to ensure they adhere to regulatory standards and uphold the fiduciary responsibilities we owe to our clients. According to EY, "New AI technologies will force compliance professionals to rethink existing operational models and traditional approaches to risk management." This underscores the need for robust compliance frameworks that accommodate the nuances of AI applications. 1
The Human Touch: What AI Lacks
Despite its capabilities, AI lacks the personal touch that defines effective financial consulting. It cannot comprehend the emotional contexts or life experiences that influence our clients' financial decisions. As highlighted by Investopedia, "Financial advisors can use AI as a tool to enhance their service to clients, specifically by identifying trends, creating infographics, and more." However, the interpretation of these insights and the delivery of advice require the discernment and empathy that only a human consultant can provide. 2
Learning from Past Technological Advancements
Reflecting on the history of our industry, we've witnessed several technological evolutions—from the introduction of computers and email to automated clearing house (ACH) transactions and platforms like Laser App. Each innovation initially faced skepticism but eventually became integral to our operations. Those who adapted swiftly reaped significant benefits, staying ahead of their counterparts. The current wave of AI presents a similar scenario; embracing it can lead to enhanced service delivery and operational efficiency.
Industry Adoption of AI
Many financial firms are already integrating AI into their operations. For example, Robinhood is planning to introduce a low-cost digital advice service, managed by Robinhood Asset Management, aiming to disrupt the financial advice industry. This move aligns with a broader strategy to offer comprehensive wealth management services and compete with established players. 3
A Personal Perspective: Embracing Technological Change
Reflecting on my own journey, I recall how my mentor was tasked with building the computer room at one of the largest financial operations in the country. This initiative transformed how life insurance quotes were accessed, created, and presented, setting a new standard in the industry. It was a testament to the power of embracing technological advancements to improve client service.
Financial Forum Speakers
Greg, Kurinec, RFC®
Pennant Planning, US Chapter Board Secretary
The common thread that runs through Greg Kurinec’s life is joy in serving others. As a young boy, it came in the form of helping a neighbor by shoveling snow, mowing a lawn, or just bringing in their garbage cans. More recently, it was launching a not-for-profit organization that supports families affected by cancer. Even better, Greg gets to apply his passion through his work as a financial consultant. Since 2006, he has helped people at or near retirement through investment consulting, estate planning, risk management, and watching out for their overall financial wellbeing. Currently he holds a Secretary’s position on the IARFC US Chapter Board, where his interests lie in working on the IARFC National Financial Plan Competition and supporting mentorship programs for experienced consultants along with those just entering the profession. For the IARFC Headquarters Team, Greg is a person of initiative, with a fun-loving spirit, who helps further the Mission of the Association. Let’s get to know more about him…
Register: As a lifelong resident in Orland Park, IL, give us a look into your educational journey?
Greg: My parents believed in creating a good foundation in life when it came to our education. I started out at St. Michael’s for grades 1-8 and later went on to Providence Catholic High School. After that I double majored in Financial Planning and Counseling & Selling and Sales Management at Purdue University. It is at Purdue
that I truly developed my passion for Financial Planning.
Register: What drew you to the financial services industry?
Greg: Growing up I was always entrepreneurial in nature. Anything to try and make some money. All through high school I thought I wanted to be a trader down on the Chicago Board of Trade. I quickly realized with this new invention of the internet coming out, that open
outcry trading was going to go by the way side. I quickly pivoted to staying in finance and focusing on personal financial planning.
Register: When did you start Pennant Planning and what motivated you to become an independent practitioner?
Greg: After 17 years in the business with the only firm that I have ever known, I decided in March 2023 that I needed to scratch that entrepreneurial itch and start my own firm. Starting this journey has provided me the freedom, flexibility and most importantly the autonomy that I had been looking for.
Register: Name some of the difficulties in starting your career. Who were your mentors, if any, that helped you along the way?
Greg: Like any new financial consultant starting in the business, just getting the opportunity to show families what you can do for them is probably the most difficult thing to do. Luckily, the career tracks have changed a bit from when I started and the industry isn’t as cut throat as it once was. Hopefully, this leads to greater retention of qualified individuals.
Volunteer Group after a Jeanne’s Journey for Hope Event
Financial Forum Awards
US Chapter President Recaps Financial Forum
The conference was extremely educational, enjoyable, and informative. The speakers were very insightful and the exhibitors were engaging. A lot of information was gleaned in a very short time.
The plan competition was riveting as the teams were very closely matched. The margin of victory was razor thin and from first to third, about as even as could be. Every year, the competition seems to consistently raise the bar in the student planning process. (see Plan Comp highlights (p. 25).
Add to the camaraderie on display between the attendees and I believe that the Orlando IARFC conference could only have been improved by having a larger number of our membership attend.
New
Board
With a 25 year career in financial services, Jeff’s intent for serving is driven by a Committed Benevolent Interest in consultants and ultimately their clients.
“As a new US Board Director, I intend to serve the IARFC and its members with passion, to help recruit, grow, and develop financial consultants. Why?
Unfortunately as our industry sits today, we are very polarized in our opinions of the different capacities in which consultants serve; from insurance-only agents to fee-only planners. This polarization has impacted both client trust and the regulatory landscape.
I wholeheartedly believe that the best and most competent consultants are down the middle and properly use both insurance products and investment advisory accounts.
This observation has formulated my assertion that industry associations such as ours can have a positive impact as we champion consultant development and capabilities driven by a financial planning approach.”
US Chapter
Director Jeffrey Betterman, RFC®
First Place
Jeremy Nason, RFC ®
Second Place
David Kinder, RFC ®
Ambassador Award
Greg Kurinec, RFC ®
US Chapter President Brad Maples, M RFC ®
New International Podcast Series
Starting June 24!
IARFCPH Continuing Education Presentation
ESTATE PLANNING BASICS: SECURING YOUR LEGACY - A PRACTICAL GUIDE TO ESTATE
PLANNING FOR FILIPINOS
Summary
The webinar started with a short video on the benefits of joining the International Association of Registered Financial Consultants (IARFC ® ) from Nick Royer, MRFC ®
The speaker, Atty. Nicasio C. Cabaneiro discussed the importance of estate planning, including the role of a lawyer and the concept of a living will. The discussion also covered the importance of life insurance as a wealth preservation tool, the legal framework in the Philippines, and the concept of inheritance and succession. Lastly, the meeting touched on the relevance of property, relation, and payment of state tax in the context of inheritance, the importance of tax laws in estate planning, and the need to align estate planning with current trends and emerging topics, particularly digital assets.
Next steps
• Consult with legal and financial experts to create a comprehensive estate plan tailored to individual circumstances.
• Review and consider drafting a will to ensure smooth transfer of assets and avoid potential conflicts among heirs.
• Create an inventory of all assets, including digital assets, and keep it updated regularly.
• Review and update beneficiary designations on insurance policies and other financial accounts.
• Consider setting up trusts or family corporations for more efficient asset management and transfer.
• Explore life insurance options as a tool for providing liquidity to cover estate taxes and other expenses.
• For those married before 1988, review property ownership status to understand how it affects estate distribution.
• Stay informed about changes in Philippine laws related to estate planning and taxation.
• Consider philanthropic giving as part of estate planning, if desired.
IARFC Benefits and Introduction of the Guest Speaker
In the meeting, a video presentation by Nick Royer, MRFC ® discussed the benefits of joining the International Association of Registered Financial Consultants (IARFC). Nick emphasized the importance of having a credible association to go back to when dealing with the public and the opportunity to learn from industry leaders. He also highlighted the IARFC’s international presence, allowing qualified financial professionals from any country to apply for the RFC designation.
The CE Webinar speaker, Atty. Nicasio C. Cabaneiro Nicasio is a CPA-lawyer with 50 years of experience in Taxation and Corporate Law. He is a law professor and pre-bar reviewer at San Beda College and Chan Robles Internet Bar Review, among others. He serves as the Corporate Secretary of the Tuloy sa Don Bosco Foundation, Inc.
Prior to his retirement in 2007, he was the Vice President and Head of the Legal Services Division at the Bank of the Philippine Islands (BPI), where he worked for 25 years. He graduated Magna Cum Laude in Accounting and Cum Laude in Law from San Beda College.
He is a sought-after resource speaker on various topics, including Estate and Tax Planning, Business Insurance, Business Succession Planning, Wills, Trust and Inheritance Laws, TRAIN Law, and Retirement and Tax Minimization. He authored two books: “From Living to Leaving,” which provides the basics of financial, estate, and tax planning, and “Life After,” which focuses on planning for retirement.
utah valley University
University of North texas
texas tech University
Ethan Efford
Gabriel Baldonado
Bavley Bebawy
Chris Jones and Andrew Metz
As an Alumni... Promote Your University by Sponsoring a Team in the IARFC National Financial Plan Competition
Members - Be a 2026 Individual Donor!
Take part in the IARFC National Financial Plan Competition as an Individual Donor. This is a give back opportunity to help the NEXTGEN of collegiate undergraduates to develop the skills they need to perform in the Financial Services industry.
A
Diamond
Barry Dayley, MRFC ®
Alan Kifer, MRFC ®
Platinum
Ted Aldershof, RFC ® Retired
Alan Kifer, MRFC ®
Greg Kurinec, RFC ®
Gold
Rod Borowy, RFC ®
Gary Padussis, RFC ®
Lisa Ford, MRFC ®
Kenny (Chi Huy) Lam, RFC ®
Silver
Winston S Williams, RFC ®
Scan
Message from Brad Maples Sr., MRFC® — US Chapter Board President
“As an individual donor to the Competition, you are helping others who are just starting their careers in financial services. Reports from our participating teams give credence to how the Competition has brought a clearer understanding of what students will encounter in the real world of dealing with clients. The Competition not only challenges them to interpret the raw data, it puts them front and center of experienced consultants to explain their planning decisions. This kind of ‘on-thespot’ exposure is an education in itself. I enjoy seeing the Finalists compete. My observation is that these consultants of the future will indeed carry on the Mission of the IARFC to serve others in their pursuit of financial security.”
Ethics: The One Non-Negotionable
The other day, I received a phone call that made my heart drop. A new agent: bright, eager, and determined to make a difference, had just completed a life insurance application that was declined. Instead of using this as a teaching moment, her manager reprimanded her, telling her the application could have been approved if she hadn’t disclosed the truth.
Feeling discouraged, she reached out to someone she trusted: Ms. Sandra.
I applauded her honesty and transparency. She had done exactly what was right: asking the client every required question, recording the answers accurately, and providing full disclosure. That is what ethical work looks like in our profession.
Insurance professionals have a duty to present information truthfully and not mislead clients, whether intentionally or through omission. Failing to do so can cause devastating harm, not only to individual families but to the entire industry.
Had this agent chosen to falsify information and the client passed away during the contestability period, the insurance company would have discovered the discrepancies when reviewing medical records — and likely denied the claim. The grieving family would have been left without a death benefit, and their trust in the insurance industry shattered.
And the saddest part? This case was declined simply because of a weight issue — something that could have been easily handled with the right knowledge and strategy.
I explained to her that, as brokers, we pre-underwrite our clients. We
study each carrier’s guidelines and match our clients to companies that will accept them. There are plans for almost everyone. You can't force a square peg into a round hole. Not every client qualifies for the same plan. Sometimes you need to shop around and advocate for your client. The manager was focused on numbers, not on doing right by the client and that’s where ethics matter most.
When you’ve been in this industry as long as I have — since 1980 — you notice patterns. You see people coming and going. You see products and sales pitches evolve. But some things never change, how you treat people.
The advisors whose clients call them years later to say “thank you” — those are the ones who led with ethics.
Ethics Over Ego
As a new agent or broker, it’s tempting to chase leaderboards and awards. But there’s a bigger win: having clients stay because you genuinely did what was best for them.
There’s nothing like having an adult child call after their parent passes away to say, “Thank you.” Or delivering a check to a new widow and staying to talk a while. Or receiving a message from a client that reads, “Thanks for helping me set up my retirement back in 2020. One less thing to worry about.”
Or earning referrals — not because you asked, but because you earned their trust.
These moments don’t come from slick pitches. They come from leading with heart and putting your clients' needs first.
It’s about building relationships on a foundation of strong moral principles — and those relationships last.
Who Requires Ethics?
As insurance and financial professionals, ongoing ethics classes are not just encouraged, it’s required.
• State licensing boards mandate ethics continuing education to renew life and health licenses.
• IARFC (The International Association of Registered Financial Consultants) requires ethics classes and exams.
• Best Interest courses are required before an advisor can complete an annuity application.
• Financial advisors offering investments must act as fiduciaries, legally bound to put their clients’ best interests first
• NAIFA (National Association of Insurance and Financial Advisors) strongly promotes ethical standards through its Code of Ethics.
Ethics isn’t just a box to check. It’s the heartbeat of this profession.
What Is Ethics?
Ethics is more than a set of rules — it's a way of being.
• Ethics is a system of moral principles: guidelines for what is right and good.
• Ethics is about building habits, character, and dispositions that serve others.
• Ethics is the discipline of deciding what is morally right versus wrong — and then choosing to do what's right.
Ultimately, ethics is doing what’s best for our clients, even when no one is watching.
What We’re Really Doing Here
At Women Financial Power, we work primarily with women:
• Women retiring, rebuilding after divorce.
• Women in the sandwich generation, raising children and caring for parents.
• Women who have carried the weight for years without anyone slowing down to explain the basics of retirement, life insurance, or investing.
We slow it down, not because our clients aren’t smart, but because they deserve a space where they aren’t rushed or sold to. A space where they can say, “I have no idea what any of this means,” and be met with patience, respect, and real answers.
We help women build protection, not panic. Confidence, not confusion. And that all begins with honesty and transparency.
Everyone Makes Mistakes
The professionals who last in this business aren’t the ones who hide their mistakes, they’re the ones who learn from them, own them, and make it right.
Ethics isn’t about being perfect. It’s about being honest, truthful, and putting the client’s interests above your own — every time.
At Women Financial Power, we aren’t here to impress anyone. We’re here to give women a space to ask the questions they were never encouraged to ask and to get real answers that empower them.
Because one day, when life throws the unexpected, we want their plan to stand strong. We want the work we did together to feel like a gift, not a regret.
When they look back on that call, that meeting, that moment, I want them to be able to say:
"I am protected."
That’s what I’m here for. That’s what ethics is.
And that’s never up for negotiation.
Sandra J. Quinn Bailey, LACP, RFC ® , AU, AINS
Owner & Founder of Women Financial Power, LLC (WFP) aimed at promoting financial security to individuals and business owners with special attention to women.
Website: www.womentfinancialpower.com
Email: sandrab@womenfinancialpower.com
Phone: (901) 831-0965
Join a MASTERMIND Group
IARFC MasterMind Groups are meeting with a goal to expand a sense of IARFC member community. These groups of professionals foster accountability to the Association, bring value to each other’s practices, and benefit the personal individual – all through a means of peer mentoring. How to join a like-minded group?
Contact:
Vicki Caplinger, vicki@iarfc.org
Greg Kurinec, RFC ® , gkurinec@iarfc.org
Show Clients You are Ethical
(w/o Mentioning Ethics)
“Saying it doesn’t make it so.” Hasn’t it been said that many people in prison claim they are innocent? Do some people lie in court even if they swear they are telling the truth? Saying to clients “I am ethical” isn’t automatically accepted as the truth.
You remember the expression “Actions speak louder than words.” The expression “Walk the walk, don’t just talk the talk” gets the same message across. You can’t simply say you are ethical. You need to show them.
Let us look at nine ways you can show you are ethical without mentioning the word ethics.
1. Have a clean record.
Financial advisors have an online record that precedes them. The website brokercheck.com allows members of the public to confirm someone who says that they are an advisor actually is an advisor. They can also see if there have been legal issues or complaints. You can mention any member of the public is able to use brokercheck to learn about any advisor’s history.
2. Client confidentiality means I don’t talk about you. Your client might be thrilled with the relationship. They might assume you can volunteer them as a reference. There are some situations where clients can provide
testimonials, but the overall rule is to respect client confidentiality. We have done well working together. You might not be aware, but I cannot tell anyone about our relationship and your success. As the client, you are not bound by this rule. I encourage you tell as many people as you want about your satisfaction with our relationship.
3. When clients ask about another client.
Suppose there is a time when a client is working on fundraising for a charity. They are planning to approach another person (also a client) and ask for a large donation. They are curious how much that person has in their account. They feel this is not intrusive because they are only asking in general terms. It’s a “one off.” You might use the following example to justify not answering the question: “Suppose someone approached me and asked how much you had in your account. Would you be OK with me telling them?” The answer (of course) is “absolutely not.”
4. How you handle inquiries about clients.
As you know, we respect client confidentiality. However, clients might tell their friends they work with me. You might wonder what happens when someone comes up to me and says “How do you know John Smith?” I usually give an answer like: “We first met
downtown years ago.” You are acknowledging knowing the person, yet not giving away information about the nature of the relationship.
5. The importance of Powers of Attorney. When placing trades in IRA accounts, a client might say: “Buy some in my spouse’s account too.” You know them both. You know they are very agreeable, backing up each other’s decision. You would explain unless they have a Power of Attorney on file, you need to speak to their spouse and hear their voice. To make it easy, you might suggest calling her now and conferencing her into the call.
6. Transparency about fees.
There are people who feel “The client knows we are making money. I don’t need to explain how.” When I was in production, I took the opposite position. I would tell clients “You need to know how we make money. If they were paying commissions, I would explain it’s like buying a bottle of wine at the store. You pay the ticket price plus sales tax on top. The stock commission is similar to paying sales tax. If they were buying a municipal bond, I would explain wholesale and retail pricing. Now the example is milk. There is no sales tax. The store is not selling it without making a profit. They buy the carton of milk wholesale, mark it up and sell it retail. I would explain if you sold it back to us tomorrow
(and prices didn’t change) this is what you might get. The difference is our markup. Clients like having this spelled out.
7. Making up numbers on official documents.
The Know Your Customer Rule often means clients are filling out plenty of paperwork. They need to fill in details like how much they earn, assets they have always and other important information. There is the temptation to “pull numbers out of the air.”
A longtime clerk at our local post office gave me a great explanation when I was filling out a Customs form on a package. When you sign your name you are attesting everything above your signature is true.
8. Signing someone else’s name. There might be situations concerning joint accounts where both parties need to sign and only one party is present. You might have friends who say “I sign my husband’s name on credit card receipts all the time.
If this happens at your office, that is the moment to mention “The document you are signing will be stored in The Cloud forever. It will
never go away. If you ever get into a legal dispute with your partner, they can get that form retrieved and say “I never signed that form. That is a forgery.” It’s been sad “What happens in Vegas stays on Face Book forever.”
9. Avoiding gossip.
Yes, this sounds puritanical. You might feel you are a wet blanket. Two people will often talk about a third party when they are not present. Often the talk is malicious. They might wonder why you are not contributing to the conversation. It is good to say “I am uncomfortable talking about someone when they are not here to defend themselves.”
FYI: If you joined in, those present would conclude you probably talk about them when they aren’t present. Word will get around you do not talk about others behind their backs.
There are many ways you can communicate you have high ethical standards without bringing ethics directly into the conversation.
Sanders is president of Perceptive Business Solutions Inc. He provides HNW client acquisition training for the financial services industry. His book, “Captivating the Wealthy Investor” is available on Amazon.
(215) 862-3607
brycesanders@msn.com www.perceptivebusiness.com
Financial Forum IT Team headed by IARFC Randy Kriner and encore Professional Dominic.
The Journal of Personal Finance encourages high quality submissions that add to the growing literature in personal finance. Since this literature spans a number of disciplines, authors are encouraged to conduct a thorough review of literature prior to submission. We are looking for original research that uncovers new insights in personal finance – research that will have an impact on advice provided to individuals. It is the goal of the editor to provide timely reviews (less than 60 days) and decisions to authors.
To submit manuscripts to the IARFC for publication. Visit https://www.iarfc.org/publications/journal-of-personal-finance for submission guidelines or contact jpfeditor@iarfc.org
• Financial Plan Entry from the 2024 National Financial Plan Competition
• Taboo and College Student Finances: How Peer Financial Mentor Describe and Navigate Taboo When Mentoring College Students
• Association Between Fintech Use and Financial Knowledge and Emergency Fund Savings Adequacy: Expected and Unexpected Findings
• Health Deterioration and Stock Investment: Evidence from the Health and Retirement Study
• Bridging the Financial Literacy Gap: Insights from Hispanic Youth Communities in Northeast Austin
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per month
IARFC Guiding Principles
Vision Clarity of purpose and direction will trigger our service to current members and stimulate consistent growth by attracting new members.
Love Love is a matter of the heart. Our work matters and we are committed to serve our members and the public with a brand of love we call a Committed Benevolent Interest (CBI) in everyone. We are truly concerned about the outcomes for others and ourselves.
Servant Leadership is about service. We are committed to serve our members with servant leadership as we provide resources to help them achieve their career and business objectives.
Integrity Honesty, morality, and fairness are a bellwether of what we stand for and how we serve our members and affiliates.
Innovation In an ever-changing profession, we are committed to introducing new ideas and methods to disrupt the status quo and support financial professionals and their business.
Proactive In a profession of constant change, action is essential. We are constantly alert to changes and seek to become the catalyst for change and the opportunities they create.
Authentic We are who we say we are. We invite our members to be so as well. This vulnerability builds a bedrock of trust with our members and the public.
Relevant Relevance is essential to survival. We provide practical, thought leadership in an effort to make our membership relevant to practitioners and business owners.
