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RIAFor RIAs

Projections clients run,
assumptions they can see

Retirement, RMD, Roth and investment calculators where the client chooses the assumptions and the page explains the method and limits, the way the SEC Marketing Rule's treatment of interactive tools expects.

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In short

Can an RIA put retirement calculators on its website?

Yes, many do, with care. Under the SEC Marketing Rule, adviser-presented projections can be hypothetical performance; the adopting release treats an interactive tool clients use to run their own scenarios differently if the adviser explains its criteria, methodology, key assumptions and limitations, and that results vary. Review your setup with your CCO.

Core set
Disclosure

A compliance checklist for client-run tools

  • Client chooses return and inflation assumptions; defaults are documented
  • Methodology described on the page (constant returns, no Monte Carlo)
  • Limitations listed: taxes, sequence risk, fees
  • Statement that results vary with inputs and over time
  • No link from a projection to a specific product
  • Records kept of the calculator pages as published
Q4

The adviser's fourth quarter

  1. October

    Feature the pension vs. lump sum and Social Security tools.

  2. November

    Open enrollment: HSA and 401(k) calculators.

  3. December

    RMD and Roth conversion before the 31st.

Dual registrants

Broker-dealer affiliation? FINRA Rule 2210 generally prohibits projections, and Rule 2214 allows investment analysis tools only with specific disclosures. Clear calculator use with your broker-dealer's compliance team first. State-registered advisers follow their state's rules.

FAQ

Questions firms ask

Showing 8 of 8

  • Are calculator projections hypothetical performance?

    Adviser-presented projections can be; client-run tools with the right disclosures are treated differently. Your CCO decides how your firm applies it.

  • Can we set default return assumptions?

    Yes, and document how you chose them.

  • Do calculators recommend investments?

    No. The asset allocation calculator gives an educational guideline only.

  • Can we use testimonials alongside?

    The Marketing Rule allows them with conditions; we don't provide any.

  • Do the calculators keep records?

    Leads are stored in your account; archive your web pages per your books-and-records policy.

  • Which plan do RIAs need?

    Network, for retirement and investment calculators.

  • Can we brand the calculators?

    Yes, white-label on Firm and Network.

  • Are state-registered advisers covered by the SEC rule?

    No, state rules apply.

Next entry

Let prospects test their own assumptions

Embed retirement and Roth calculators with methodology and limits on the page.

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