In the Loop: Latest News & Insights

April 2, 2026 | Issue 4 -26

Welcome to April, everyone!

I hope this email finds you well and enjoying all that this season brings. This month, I wanted to share something I call "Tips, Tricks & 'Did You Know?' Moments" with you. ✨ I’ve been using a few of these simple tools lately - and many have turned into total “I’m so glad I know this!” moments. You might find these helpful for yourself or your clients, so here are my current favorites:👇

📬 See Your Mail Before It Arrives

Ever wish you knew what was showing up in your mailbox each day? With USPS Informed Delivery, you can preview your incoming mail digitally.

👉 Especially helpful if you’re supporting aging parents or managing someone else’s household.

🔗 https://www.usps.com/manage/informed-delivery.htm

💰 Find “Lost” Money (Yes, Really!)

There are billions of dollars in unclaimed property out there - old accounts, refunds, forgotten checks. A quick search can create a real wow moment for a client (or yourself!).

🔗 https://missingmoney.com/

✈️Travel Without the Chaos

If juggling flights, hotels, and car rentals makes your head spin, Tripit is a game changer!

Forward your confirmations from your various providers and Tripit builds a clean, organized itinerary for you.

🔗 https://www.tripit.com/web/free

🏡 Quick Property Record Checks

Need to confirm how a property is titled or whether a beneficiary deed exists? Many counties offer online land records searches.

It’s not universal but when available, it’s incredibly useful.

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💡 Sometimes the smallest tools make the biggest difference - saving time, reducing stress, and helping us show up better for the people we serve.

Got a favorite “Did You Know” tip? I’d love to hear it!

Low-Priced Securities - New!

Pinpoint has a new section: Low Priced Securities and Restricted Deposits Dashboard.

Associated persons must respond to inquiry questionnaires through Pinpoint.

Click the photo below for more information.

ACH Fraud - Critical Alert!

Fraudsters posing as new clients are using large ACH deposits to open accounts and then requesting immediate withdrawals before the funds clear.

Click the photo below for more information.

Annual Payout Review Schedule

To create a more consistent and predictable approach to payout reviews, we have updated our process for evaluating production levels against our payout grid. In the past, reviews were conducted on a more sporadic basis; moving forward, we are implementing a structured schedule to provide greater clarity and allow for better planning.

Production levels will now be reviewed twice annually—in April and October—to help ensure payouts remain fair, consistent, and aligned with each advisor’s production over time. This review may result in adjustments to payout—either upward or downward—based on how production aligns with the current tier. Any adjustments identified will be communicated at that time, providing ample opportunity to plan and, where applicable, make changes to production levels.

There are no immediate changes to payouts as a result of this update.

Importantly, any resulting payout changes will not take effect until the start of the following period. Adjustments communicated in April will take effect July 1, and adjustments communicated in October will take effect January 1 of the following year.

As part of this review, we will also consider the sustainability of production increases. Greater emphasis will be placed on recurring and ongoing revenue streams, as these are more indicative of long-term business growth and stability. Production driven primarily by one-time or non-recurring transactions may be evaluated differently when determining eligibility for payout tier adjustments.

We appreciate your partnership and continued commitment to growth and excellence within our community. If you have any questions, please reach out to Paula Johnston at paula@prosperityadvisors.com or 913-553-2590.

Newer or Lesser-Known Cetera Teams

Have you heard? Cetera teams and resources offerings continue to grow and evolve. We wanted to make you aware of some of the amazing options available:

Cybersecurity Resource Center – This is not a team but an online resource you can access through AdviceWorks.This site provides articles, policies, and resources for you and your clients that revolve around cybersecurity.Within AdviceWorks, simply search "Cybersecurity Resource Center."

Financial Planning – Access this resource by clicking here or by phone at 1-877-886-3642, option 2. They assist with training on certain financial planning tools, financial plan design, and questions surrounding financial planning.

Life Events – To access this resource, contact the support center in AdviceWorks or call 1-800-929-3485, option 2, option 3. They assist with processing requests related to death, divorce, and disability.

Product Solutions – Contact Product Solutions at 1-877-886-3642, option 3. They assist with questions about various product types, including annuities, mutual funds, alternative investments, etc.

Retirement Plan Specialized Team – Contact this team at 424-512-2403. They assist with intricate details concerning QRP/s and retirement plan services for Pershing accounts.

Shared Services Insurance Licensing Team You can reach this team by emailing licensing@cetera.com. They specialize in insurance licensing and requirements.

Workplace Retirement Plans – Available via the support center in AdviceWorks or by calling 1-844-881-7526. They assist with 401(k) and group plans held directly with recordkeeping providers.

If you have any questions about these resources, please contact the engagement team or your regional relationship team.

Registered Rep Out of the Office

Are you going to be out of the office and unavailable to your clients for an extended period of time.

It is important that your clients can make time-sensitive requests even if you are not available.

Click HERE for guidance.

Cetera Learning Center Challenges

You may have noticed that the Learning Center app in AdviceWorks has a brand new look. This update has also come with challenges, such as prior courses no longer being available or documentation of courses you completed prior to the update not being locatable.

Click HERE for guidance.

FINRA Rules and Policies - Do They Really Matter?

March 2026 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.

Read Full Article

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.