Series 65 Uniform Investment Adviser Law
University of Georgia
Exam 2024 – 2025 SeriesGeorgia
Athens, 65 Uniform Investment
Advisor Law Exam Prep Questions and Answers
Series
| 100%65 (Uniform Investment Adviser
Pass Guaranteed Law A+
| Graded Exam)
|
Series 65 Exam
Course Title and Number: Series 65 Exam
Exam Title: Series 65 Exam
Exam Date: Exam 2024- 2025
Instructor: [Insert Instructor’s Name]
Student Name: [Insert Student’s Name]
Student ID: [Insert Student ID]
Examination
180 minutes
Instructions:
1. Read each question carefully.
2. Answer all questions.
3. Use the provided answer sheet to mark your responses.
4. Ensure all answers are final before submitting the exam.
5. Please answer each question below and click Submit when you
have completed the Exam.
6. This test has a time limit, The test will save and submit
automatically when the time expires
7. This is Exam which will assess your knowledge on the course
Learning Resources.
Good Luck!
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,Read All Instructions Carefully and Answer All the
Questions Correctly Good Luck: -
1. Investment Advisory Representative (IAR) - Answer>>
1. Upon passing the series 65 the agent may represent
an registered investment adviser (RIA) and receive fee
based compensation. The fee based compensation may
be based on a percentage of the assets under
management or as an hourly or flat fee for providing a
personalized financial plan. There are no prerequisites
for taking the series 65 exam and the candidate does
not need to be sponsored by a FINRA member firm to
take the test.
2. The series 66 is the uniform combined state law
exam and qualifies a candidate to represent both an
investment adviser and a broker dealer. After passing
the series 66 an agent may receive both fee based
compensation for representing an investment adviser
and transition based compensation for executing
customer orders. The series 66 is a combination of the
series 63 exam and the series 65 exam. Candidates do
not have to be sponsored by a FINRA member firm to
take the series 66 exam. However, the series 7 exam is
the co requisite for the series 66 exam and a candidate
who has passed the series 66 exam may not conduct
any business until they have passed the series 7 exam.
All candidates must be sponsored to take the series 7
exam. If you have passed the series 7 exam and have
not taken the series 63 exam, the series 66 may be the
right exam to take. Keep in mind that while the series
66 has fewer questions than the series 65. If you have
not passed the series 7 or will not be taking the series 7
exam you must take the series 65 exam.
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,the financial effect of making student loan payments
for 20 years after graduating from college can be easily
seen - Answer>> the financial effect of making student
loan payments for 20 years after graduating from
college can be easily seen.
For example, a college graduate who owes $60,000 in
student loans at 3% interest will have to pay $332.76
per month for 20 years to get that paid off. If that
amount was instead diverted into a Roth IRA that grows
at 6% for that same time period (with no further
contributions after 20 years), then the student would
have almost $600,000 of tax-free money by age 65. No
poll or study is necessary to see the enormous impact
that student loan debt can have on a borrower's
retirement preparedness. (For more, see: Student
Loans: What to Do When You Can't Repay Them.)
Certificate of Deposit (CD) - Answer>> 1. a time deposit
at a commercial bank and insured by the FDIC that
restricts holders from withdrawing funds on demand.
2. bears a maturity date ranging from one month to
five years at a fixed interest rate and can be issued in
any denomination.
Negotiable Certificates of Deposit (NCD)
(Jumbo CD) - Answer>> 1. a large certificate of deposit
that is typically purchased by institutional/company
investors.
2. Unlike a regular CD, NCDs pay periodic interest,
usually twice a year and cannot be cashed in before
reaching maturity, but can be easily sold in the open
market before that time.
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, 3. minimum face value of $100,000, but typically are
$1 million or more.
Treasury Bills (T-bills) - Answer>> 1. short-term securities
that mature in 3-months, 6-months or 1-year.
2. exempt from state and local taxes.
3. purchased at less than par.
4. issued in denominations at $1,000, $5,000, $10,000,
$25,000, $50,000, $100,000 and $1 million.
5. all Treasuries are considered to be risk-free (safest
investments in the world).
Treasury Notes (T-notes) - Answer>> 1. a maturity
between 1 and 10 years.
2. exempt from state and local taxes.
3. purchased at face value and pay out interest
payments semi-annually.
4. bought through a bank or directly from US gov't.
5. can be sold in a large secondary market (liquidity).
Treasury Bond (T-Bond) - Answer>> 1. a maturity of
more than 10 years.
2. exempt from state and local taxes.
3. purchased at face value and pay out interest
payments semi-annually.
4. issued with a minimum denomination of $1,000 and
maximum of $5 million.
5. After auction, bonds can be sold in the secondary
market.
6. bonds can be bought directly from the government
through TreasuryDirect at
http://www.treasurydirect.gov, thereby bypassing a
broker.
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