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TDA4advisors Blog

We are excited to share a collection of relevant, timely, and insightful articles that can help you grow and strengthen your business. TD Ameritrade and leading industry experts will be contributing their unique perspectives on the challenges and opportunities that RIAs are facing today. Thank you for joining our community and we look forward to connecting with you!

  
  • by Bryan Baas
  • Director, Institutional Oversight and Control, TD Ameritrade Institutional

One Simple Step You Can Take to Prevent Email Fraud

bryan-bass_200x280

Bryan Baas, Director, Institutional Oversight and Control

“As Director of Institutional Oversight and Controls, my team and I are committed to helping advisors safeguard and protect client accounts at TD Ameritrade through education, collaboration with industry experts, and building awareness around industry trends.”

- Bryan Baas, Director, Institutional Oversight and Control

The number of fraudulent wire attempts through email is growing at a concerning rate, and there is one, small step that you can take as an advisor to prevent this threat from impacting your business. Simply, pick up the phone.

Fraudulent wires are a scheme to obtain money based on false representation. Fraudsters hack into a person’s email account to search for the information they need to initiate the wire request, often urgent, and formulate an excuse for why they are unable to speak to you on the phone. Before you know it, the money is wired to the criminal.

Losses can be considerable and clients are not happy.

Make it a requirement to always contact the client to verify email wire transfer requests, at a phone number you have on record. This, will prevent you from ever having to answer.

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“How could you let this happen to my account?”

I’ve witnessed this risk prevention firsthand and the percentage of attempted wire frauds stopped by calling the client first is definitely increasing. A great sign, but we need to continue to be vigilant. Using the client data you have on file versus what is provided in the email is what prevents you and your clients from suffering losses. Don’t make assumptions, verify against your data.

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  • by Skip Schweiss
  • President, TD Ameritrade Trust Company
    Managing Director of Advisor Advocacy & Industry Affairs

How Would You Like to Pay for That? Weighing choices to increase the frequency of investment advisor exams by the SEC

 

Skip Schweiss

Skip Schweiss, Managing Director, Advisor Advocacy & Industry Affairs, TD Ameritrade Institutional

“As Managing Director of Advisor Advocacy & Industry Affairs for TD Ameritrade Institutional, I help to expand the voice of registered investment advisors (“RIAs”) on important policy issues. As I publish my insights here on the regulatory and legislative issues that affect fiduciary advisors and their retail investor clients, you can be certain that I’m working alongside you every day to make sure that common sense, efficient regulation, and investor interests prevail.”

-Skip Schweiss (Follow Skip Schweiss on Twitter @TDASchweiss

Once every 11 years: That is, on average, how often the Securities and Exchange Commission (SEC) examines registered investment advisors (“RIAs”). And while most businesses dream of operating in a world with such minimal supervision, it is, in actuality, a problem that the RIA industry must fix.

We need to ask Congress for greater oversight and, blasphemous though it may seem, we should offer to help pay for the privilege.

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  • by Vanessa Oligino
  • Senior Manager, Practice Management, TD Ameritrade Institutional

Make Professional Development a Priority or Risk Stunting Your Firm’s Growth

Vanessa Oligino

Vanessa Oligino, Senior Manager, Practice Management, TD Ameritrade Institutional

“Working collaboratively with advisors, industry consultants and thought leaders, I work with a team of individuals committed to bringing advisors insights, programs, tools, and resources designed to build sustainable growth and enduring value for advisory firms.”

- Vanessa Oligino, Senior Manager, Practice Management

There is a significant gap between what the next generation of talent wants from their employers with respect to professional development opportunities and what’s actually available to them. Think back to when you were a senior in college and looking for your first job. What did you gravitate towards? If you were like me, you probably were looking at opportunities at larger, more-established firms that touted a merit-based performance philosophy and opportunities for growth. Today’s students and young professionals are no different. They want to understand where the opportunities are for them to grow at a firm and what resources/support the firm can provide to help prepare them for that next step. In short, they are looking for a career, not a job.

So, how can you, as the owner of an advisory business, compete with these larger, more- established firms? Start with just two steps.

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