Ukudlula ukuhlolwa kochungechunge lwama-66 kuyalingana nokudlulisa kokubili u-Series 63 no- Series 65 . Ukwengeza, ngenkathi ilawulwa yi- FINRA , ukuhlolwa kochungechunge lwe-Series 66 kwenzelwa iNhlangano Yomqondisi Wezokuphepha KweNyakatho Melika, eyaziwa nangokuthi i-NASAA.
Umthetho ongenamkhawulo wempahla
Lesi yisiqephu somthetho wemodeli, owaqala okokuqala ngo-1956 futhi wabuye wachitshiyelwa, lokho kwaklanyelwe ukulinganisa nokuvumelanisa imithetho 'yezokuphepha.' Umqondo wawuwukuletha imikhuba emihle kulo lonke izwe, kanti futhi kulula ukwenza ukugcinwa kwamabhizinisi okugcina amasheya kanye nabasebenzi bezokuphepha.
Incazelo yoMmeli Weluleki Wezezimali
Ngokusho kwe-Uniform Securities Act, ummeli womeluleki wezokutshala izimali ngumuntu oqashwe noma ohlangene nomkampani ocebisa utshalomali owenza noma yikuphi okulandelayo:
- Ukwenza izincomo noma unikeza iseluleko sokutshala izimali
- Iphatha ama-akhawunti amaklayenti noma amaphothifoliyo
- Inquma ukuthi yiziphi izincomo noma iseluleko mayelana nokuphepha okufanele kunikezwe
- Inikeza iseluleko sokutshala izimali noma uzibophe yena noma ngokwakhe njengoba enikeza iseluleko sokutshala izimali
- Uthola isinxephezelo sokucela, ukunikela noma ukuxoxisana ngokudayisa noma ukuthengisa iseluleko sokutshala izimali
- Iqapha abasebenzi abenza noma yimiphi imisebenzi engenhla
Ngakolunye uhlangothi, umeluleki wokutshala izimali akuyona umuntu olandelayo:
- Yenza izenzo kuphela zokubhala noma zokukhonza
- Ukubandakanyeka kwabo ekwenzeni noma ngokunikeza izeluleko zokutshala izimali kungokwemvelo, futhi ngubani ongatholi isinxephezelo esikhethekile ngezinsizakalo zokucebisa utshalomali
Amafayili okweluleka kwezokutshala izimali abhalisiwe ne-SEC kanye nabantu abaqashiwe noma abahlotshaniswa nabo abakhululekile ekubhaliseni kombuso ohlukile, ukulayisenisa noma ukufaneleka, ngaphandle kwabamele abeluleki bezokutshala izimali zabo izindawo zabo zangempela zebhizinisi ezingaphansi kwesimo esinikeziwe.
Izibonelo
Abanikazi bezinhlamvu eziningana zobuchwepheshe, ikakhulukazi i- CFA ne-CFP, babhekwa ukuthi banamakhono okufakazela okufanayo kakade, ngakho-ke bakhululekile emazweni amaningi ngokuthatha ukuhlolwa kochungechunge lwe-Series 66. Ezinye izimpawu ezinjalo zihlanganisa i-Personal Financial Specialist (PFS), i-Chartered Financial Consultant (ChFC) kanye ne-Chartered Investment Counselor (CIC).
Ubude be-Exam
Ukuhlolwa kochungechunge lwama-66 kunemibuzo eyi-110 eminingi yokukhetha kanye nemaminithi angu-150 abelwe ukuqeda ukuhlolwa. Imibuzo eyi-100 kuphela ekuhlolweni empeleni ibalwa kumaphuzu okugcina omfundi. Isivivinyo ngasinye sihlanganisa imibuzo engu-10 yokuhlola okucatshangelwa ukuthi isetshenziswe ngezihumusho ezizayo zokuhlolwa. Zisatshalaliswa kulo lonke ukuhlolwa, futhi umhloli wokuhlola akazi ukuthi yiziphi.
Amaphuzu Okudlula
Ukuhlolwa kocwaningo lwe-Series Series 66, kanti amaphuzu okudlula izimpendulo ezilungile ezingu-75 noma 75% yemibandela engu-100 ebalwe kumaphuzu okugcina. Umqashi ohluleka ukuhlolwa kochungechunge lwe-Series 66 kufanele alinde okungenani izinsuku ezingu-30 ngaphambi kokuthatha futhi. Umthetho ofanayo usebenza kumuntu ohlulekile okwesibili futhi othanda ukuthatha okwesithathu. Ngemuva kokuhluleka okwesithathu, omele ukhetho kumele alinde okungenani izinsuku eziyi-180 ngaphambi kokuthatha ukuhlolwa futhi. Lo mthetho osebenzayo usebenza kuwo wonke umzamo wokuhluleka olandelayo.
Izihloko ezihlanganisiwe
Ukudlula ukuhlolwa kochungechunge lwama-66 kufana nokudlulisa kokubili iSichungechunge 63 noChungechunge 65. Noma kunjalo, yenzelwe abakhethiweyo abaphethe isitifiketi se-Series 7. Ngakho-ke, ukuhlolwa kochungechunge lwe-Series 66 kushicilela imibuzo ephathelene nemikhiqizo yamasheya, ukuhlaziywa kwamasheya kanye nesu lokutshala izimali okuyingxenye ebalulekile yeChungechunge 65, kodwa ehlanganiswa ubude obukhulu nemininingwane ekuhlolweni kweChungechunge 7.
Ukuthola Okubhalisiwe Nelayisensi
Kunezigaba eziningana ezihlobene nokudlulisa ukuhlolwa kwe-Series 66. Okokuqala, lowo ozobhapathizwa usenomthwalo wemfanelo yokwazi nokuhambisana nezidingo ezithile zemithetho yezokuphepha kanye nemithethonqubo yezifunda lapho ezoqhuba khona ibhizinisi. Okwesibili, ngenkathi kudlula ukuhlolwa ngokuvamile kuyimfuneko eyinhloko yokwenza amalayisensi okwenza ibhizinisi endaweni ethile, akuyona nje eyedwa, futhi akalokothi unikeze ngokuzenzakalelayo ilungelo lokuthola ilayisense noma ebhalisiwe esimweni esinikeziwe. Noma kunjalo, i-NASAA ikholelwa ngokuqinile ukuthi i-Uniform Combined State Law Examination yenza kube ngcono ukulawulwa kokugcinwa kwamasheya kahulumeni nokuvikeleka okungcono komphakathi otshalwa izimali ngokugqugquzela ukulingana kulo mthethonqubo kanye namazinga okuqeqeshwa kwabafundi bezezimali.