In the Loop: Latest News & Insights

May 1, 2025 | Issue 2-25

Client Signature Policy Reminder: Blank or partially blank forms and post-signature changes.

It is not permitted to request a client sign a blank or partially blank form. Any alterations to a form already signed by the client require the client to initial the changes. This includes adding information or correcting information on the already signed form.

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Blacking Out Sensitive Information

Has a client asked you to "black out" information on a report or statement prior to sending it? Learn how to handle this request by clicking the link below.

"Black Out" Request Best Practice

Email Encryption

Did you hear Cetera has made email encryption enhancements? How do these enhancements affect you? Learn when and how Cetera's enhancement is in effect by clicking the link below.

Email Encryption Details

"Can I text my clients compliantly?"

YES, and at no cost!

MyRepChat is Cetera’s compliant text solution, and it is now available at no cost for financial professionals. Your free MyRepChat license will include 2 logins in case you would like a staff member to help manage your account. However, your office will incur fees for additional services, like voice add-on or more logins. To sign up, use the code: JYaJl. For information on this solution, please click here: https://myrepchat.com/cetera-and-myrepchat/

Refer a colleague and earn up to $100,000!

Do you know a financial professional currently affiliated with Commonwealth?

With the recent news of Commonwealth’s acquisition by LPL, now is a great time to reach out and introduce them to Cetera and Prosperity Network of Advisors. If they choose to affiliate, you could receive a referral bonus of up to $100,000!

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FINRA Rules and Policies - Do They Really Matter?

April 2025 FINRA Real-World Discipline Examples

If you ever wonder whether all the rules and policies really matter, they DO! Let's look at some recent FINRA enforcement cases.

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Time to Upgrade > End-of-Life Support

for Windows 10 Pro

Microsoft has officially announced that support for Windows 10 Pro will end on October 14, 2025. After this date, the operating system will no longer receive security updates, bug fixes, or technical support. While your device will still operate, running an unsupported OS can expose your system to increased security vulnerabilities, compliance issues, and operational inefficiencies with modern software.

Learn How to Stay Secure Here

Securities and advisory services offered through Registered Representatives of Cetera Advisors LLC (doing insurance business in CA as CFGA Insurance Agency LLC), member FINRA/SIPC, a broker dealer and Registered Investment Advisor.

Cetera is under separate ownership from any other named entity.

For internal use only.