Disclosure Information

Legal Disclaimer

Signature Estate & Investment Advisors, LLC (“SEIA”) is an SEC registered investment adviser; however, such registration does not imply a certain level of skill or training and no inference to the contrary should be made. The information contained within this website is for informational purposes only and should not be considered investment advice or a recommendation to buy or sell any types of securities. The information contained within this website was carefully compiled from sources SEIA believes to be reliable, but we cannot guarantee accuracy. We provide this information with the understanding that we are not engaged in rendering legal, accounting, or tax services. In particular, none of the examples should be considered advice tailored to the needs of any specific investor. We recommend that all investors seek out the services of competent professionals in any of the aforementioned areas. With respect to the description of any investment strategies, simulations, or investment recommendations, we cannot provide any assurances that they will perform as expected and as described in our materials. Past performance is not indicative of future results. Every investment program has the potential for loss as well as gain. There is a risk of loss from an investment in securities, including the risk of loss of principal. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will be profitable or suitable for a particular investor’s financial situation or risk tolerance. Asset allocation and portfolio diversification cannot assure or guarantee better performance and cannot eliminate the risk of investment losses.

There are different costs associated with different types of securities and investors may be responsible for paying fees separate and distinct from those paid to SEIA to invest in such securities. Importantly, the fees specific to what SEIA charges do not include certain fees and charges imposed by third parties such as custodial fees, mutual fund fees and expenses, and additional fees charged by wrap sponsors. SEIA’s clients’ assets can also be subject to asset-based transaction fees, brokerage fees and commissions, retirement plan administration fees (if applicable), deferred sales charges on mutual funds, 12b-1 fees, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes on custodial accounts and securities transactions. For mutual fund and exchange traded fund (“ETFs”) investments, investors are charged internal management fees, distribution fees and other expenses, which are described in each fund’s prospectus.

This website has been independently produced by SEIA. SEIA is independent of, and has no affiliation with Charles Schwab & Co., Inc. or any of its affiliates (“Schwab”) or Fidelity Brokerage Services, LLC (“Fidelity”), members FINRA/SIPC. Neither Schwab, nor Fidelity, has created, supplied, licensed, endorsed, or otherwise sanctioned these materials nor have they independently verified any of the information in them. SEIA provides the client with investment advice, while Schwab and Fidelity maintain custody of your assets in a brokerage account and will affect transactions in your account upon our instruction. All custodial fees and any other charges, fees and commissions incurred in connection with transactions for a SEIA client’s account are generally paid out of the assets in their managed account and are in addition to the investment management fees charged by SEIA. Notably, neither SEIA nor any of its associated persons receive any portion of the third-party fees. Investors should consider all fees that may be charged to their account and also understand that lower fees for comparable services may be available from other investment advisory firms.

Securities offered through Royal Alliance Associates, Inc. member FINRA/SIPC. Investment advisory services offered through SEIA, LLC. Royal Alliance Associates, Inc. is separately owned and other entities and/or marketing names, products or services referenced here are independent of Royal Alliance Associates, Inc.

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Social Media Disclaimer

Investments in securities involve risk, including the potential loss of principal. Past performance is not a guarantee of future results.

Neither the information nor any opinion expressed herein constitutes a solicitation for the purchase or sale of any securities and should not be relied on as financial advice. Securities related services may not be available in all states. Please visit our website or contact our offices for details.

We do not provide customer service, handle any specific customer account inquiries, or enable financial transactions through any social media site. Should any client have questions or concerns that are specific to their account(s), please contact our office directly.

The site may contain links to information contained on a third-party website. We do not endorse or accept responsibility for the content of any third-party web site, and are not affiliated with any social media website. We do not expressly or implicitly adopt or endorse any of the expressions, opinions or content posted by third parties on social media sites. “Likes”, “Favorites” and comments should not be considered a reflection of client experiences or future performance. “Likes” and “Retweets” should not be considered an endorsement or recommendation of any security, company or individual.

For a list of the criteria used for the third-party rankings, awards, and accolades please see below:

It is up to you to read and understand the privacy policies for each social media site. We have no control over how social media sites or other third parties will use the information you share.

Third-party Rankings, Awards and Accolades Disclaimer

Important information regarding Third-party Rankings, Awards, and Accolades
Third-party rankings and recognition from rating services or publications are no guarantee of future investment success. Working with a rated adviser does not ensure that a client or prospective client will experience a higher level of service, performance or results. These ratings should not be construed as an endorsement of the adviser by any client nor are they representative of any one client’s evaluation or experience. Generally, ratings, rankings, and recognition are based on information prepared and submitted by the adviser. Third-party Rankings, Awards, and Accolades may:

  1. Represent a Third-party Rankings, Awards, and Accolades received by Signature Estate & Investment Advisors, LLC or its affiliates for a specific time period and may no longer be held in the current period;
  2. May have been obtained by paying a fee;
  3. May be based on data that was self-reported by the firm and not subject to independent verification;
  4. Not representative of any one client’s experience;
  5. May represent a small sample of candidates and may not be representative of the entire population of potential candidates;
  6. May not be indicative of future performance.
  7. Any third-party rankings, awards, or accolades should not be construed as an endorsement.

 

For a list of the criteria used for the third-party rankings, awards, and accolades please see below:

Barron's Hall of Fame Advisor

Barron’s Advisor Hall of Fame is a designation by Barron’s, an American weekly magazine/newspaper published by Dow Jones & Company. A number of factors are considered for this ranking including but not limited to AUM, revenue, industry designations, industry tenure, and charitable and philanthropic activities.

Barron’s Top 100 RIA Firms 2020

The Barron’s Top 100 RIA Firms 2020 is given by Barron’s and is based on assets, revenue, number of clients, number of employees, and quality of practice. Newly added metrics for 2020 recognition include technology spending, staff diversity, and succession planning. RIA firms apply for this award. The firms pay a fee in order to reference this award either upfront to obtain the award or paid on the back-end after the award is granted to obtain plaques, article reprints or similar indicia of the award.

Financial Advisor 2020 RIA Ranking

The 2020 RIA Ranking by Financial Advisor (FA) is a ranking based on assets under management at year end of independent RIA firms that file their own ADV with the SEC. FA’s RIA ranking orders firms from largest to smallest, based on AUM reported to FA by firms that voluntarily complete and submit FA’s survey by FA’s deadline.

Financial Times 300 Top Registered Investment Advisers 2020

The Financial Times 300 Top Registered Investment Advisers is an independent listing produced annually by Ignites Research, a division of Money-Media, Inc., on behalf of the Financial Times (July 2020). The FT 300 is based on data gathered from RIA firms, regulatory disclosures, and the FT’s research. The listing reflected each practice’s performance in six primary areas: assets under management, asset growth, compliance record, years in existence, credentials and online accessibility. Over 750 qualified firms applied for the award, 300 of which were selected (40%). This award does not evaluate the quality of services provided to clients and is not indicative of the practice’s future performance. Neither the RIA firms nor their employees pay a fee to The Financial Times in exchange for inclusion in the FT 300.

Financial Times 400 Top Financial Advisers 2020

The criteria for the Financial Times 400 Top Financial Advisers includes six broad factors which calculate a numeric score for each advisors: assets under management, growth rate of assets under management, years of experience, compliance record, industry certifications and online accessibility.

Financial Times 401 Top US Retirement Advisers 2020

The 2020 Financial Times Top US Retirement Advisers award is given by the Financial Times (FT), a daily newspaper with a focus on business and economic news. Applicants must manage a minimum of $75 MM in Defined Contribution (DC) plan assets and a minimum of 20 percent of their client’s assets in DC plans. Qualifying advisers completed a questionnaire about the nature of their practice and FT grades advisers on six broad factors relating to DC plan business: AUM, Growth, Specialisation, Experience, industry certifications and, compliance record.

Forbes Best-In-State Wealth Advisors 2020

The Forbes 2020 ranking of Best-In-State Wealth Advisors is based on an algorithm of qualitative criteria, mostly gained through telephone and in-person due diligence interviews, and quantitative data. Advisors that are considered have a minimum of seven years experience, and the algorithm weights factors like revenue trends, assets under management, compliance records, industry experience and those that encompass best practices in their practices and approach to working with clients. Portfolio performance is not a criteria due to varying client objectives and lack of audited data. Forbes does not receive a fee in exchange for rankings.

LA Business Journal: Best Places to Work 2020

Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client’s evaluation.

LA Business Journal: Largest Money Management Firms 2020

The 2020 Los Angeles Business Journal (LABJ) Money Management Firms is given by the LABJ and is a ranking based on assets managed in Los Angeles County as of December 31, 2019. Applicants complete a survey to be considered for the award.

LA Business Journal: Leaders of Influence - Wealth Managers 2020

The 2020 LA Business Journal Leaders of Influence is an annual award that recognizes wealth managers in Los Angeles for “contributions to the local economy and the financial stability of the individuals and families that live here”. The wealth managers apply for the award by completing a questionnaire, and recipients are chosen by the LA Business Journal.

RIA Channel Top 100 Wealth Managers 2020

The 2020 RIA Channel Top 100 Wealth Managers List showcases wealth management firms based on size, growth, and quality. RIA Channel ranked the Top 100 RIA firms of 2020 based on a proprietary set of criteria and data. The ranking is based on both size and growth in assets as of June 30, 2020, as reported to the SEC. RIA Database (RIADatabase.com) was used for regulatory data, organic research, and advisor surveys. RIA Channel is a privately held company and does not charge fees to be included in their lists.

California Consumer Privacy Act Disclosure

Last updated January 1, 2020

Applicability
This California Consumer Privacy Act Disclosure explains how Signature Estate & Investment Advisors, LLC will collect, use, and disclose personal information relating to California residents covered by the California Consumer Privacy Act (“CCPA”). This notice is provided pursuant to the CCPA.

Introduction
Under the CCPA, ‘Personal Information’ is information that identifies, relates to, or could reasonably be linked directly or indirectly with a specific California resident. The CCPA, however, does not apply to certain information, such as information subject to the Gramm-Leach-Bliley Act (“GLBA”).

The specific Personal Information that we collect, use, and disclose relating to a California resident covered by the CCPA will vary based on our relationship or interaction with that individual. This Disclosure does not apply with respect to information that we collect about California residents as part of an application for financial services or when obtaining our financial services for personal, family, or household purposes. For more information about how we collect, disclose, and secure information relating to these customers, please refer to our Privacy Notice.

Keeping Personal Information secure is one of our most important priorities. Consistent with our obligations under applicable laws and regulations, we maintain physical, technical, electronic, procedural and organizational safeguards and security measures that are designed to protect personal data against accidental, unlawful, or unauthorized destruction, loss, alteration, disclosure, or access, whether it is processed by us or elsewhere.

Collection and Disclosure of Personal Information
In the past 12 months, we have collected, and disclosed to third parties for our business purposes, the following categories of Personal Information relating to California residents covered by this disclosure:

  • Information we receive from you on account applications, which include identifiers, such as name, address, date of birth, occupation, financial goals, and government-issued identifier (e.g., Social Security number);
  • Information about your transactions with us, our affiliates, or others;
  • Personal information, as defined in the California safeguards law, such as contact information and financial information;
  • Characteristics of protected classifications under California or federal law, such as sex and marital status;
  • Commercial information, such as transaction information and purchase history;
  • Professional or employment-related information, such as work history and prior employer;
  • Inferences drawn from any of the Personal Information listed above to create a profile about, for example, an individual’s preferences and characteristics.

The categories of sources from whom we collected this Personal Information are:

  • Directly from a California resident or the individual’s representatives
  • Service Providers, information from our affiliates and other third parties
  • Public Record Sources (Federal, State or Local Government Sources)
  • Website and Social Media
  • Information from Client Directed Third Parties or Institutions representing a Client/Prospect
  • Information from Corporate Clients about individuals associated with the Clients (e.g., an employee or board member)

The categories of third parties to whom we disclosed Personal Information for our business purposes described in this privacy disclosure are:

  • Affiliates and Subsidiaries of Signature Estate & Investment Advisors, LLC.
  • To entities that perform services for us or function on our behalf, including financial service providers, custodians, broker dealers, investment companies, or insurance companies.
  • To your attorney, trustee or anyone else where you have given written permission to share information.
  • To our attorneys or auditors.
  • To government entities or other third parties in response to subpoenas or other legal process as required by law or to comply with regulatory inquiries. Signature Estate & Investment Advisors, LLC does not sell customer lists or customer information to third parties.
  • Vendors and Service Providers who provide services such as website hosting, data analysis, payment processing, order fulfillment, information technology, supervisory analysis, customer service, email delivery, auditing, marketing and marketing research activities.
  • Partners and Third Parties who provide services such as payment, communication infrastructure, storage, legal expertise, tax expertise, notaries and auditors, who analyze the financial services and products to customers and other prospective buyers.

Use of Personal Information

In the past 12 months, we have used Personal Information relating to California residents to operate, manage, and maintain our business, to provide our products and services, and to accomplish our business purposes and objectives, including the following:

  • Performing services, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services.
  • To protect your accounts from unauthorized access or identity theft. For example, detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity.
  • Undertaking activities to verify or maintain the quality or safety of a service controlled by us, and to improve, upgrade, or enhance the service controlled by the business.
  • To establish or maintain an account with an unaffiliated third party, such as a clearing broker-dealer.
  • Complying with laws and regulations and to comply with other legal process and law enforcement requirements which includes any internal policy based on or reflecting legal or regulatory guidance, codes or opinions.

Sale of Personal Information
In the past 12 months, we have not “sold” Personal Information, including Personal Information of minors under the age of 16. For purposes of this Disclosure, “sold” means the disclosure of Personal Information to a third-party for monetary or other valuable consideration.

Rights under the CCPA
If you are a California resident, you have the right to:

  1. Request we disclose to you free of charge the following information covering the 12 months preceding your request:
    1. the categories of Personal Information about you that we collected;
    2. the categories of sources from which the Personal Information was collected;
    3. the purpose for collecting Personal Information about you;
    4. the categories of third parties to whom we disclosed Personal Information about you and the categories of Personal Information that was disclosed (if applicable) and the purpose for disclosing the Personal Information about you; and
    5. the specific pieces of Personal Information we collected about you;
  2. Request we delete Personal Information we collected from you, unless the CCPA recognizes an exception; and
  3. Be free from unlawful discrimination for exercising your rights under the CCPA.

We will acknowledge receipt of your request. We will then seek to verify your identity. Requests for specific pieces of Personal Information will require additional information to verify your identity.

If you submit a request on behalf of another person, we may require proof of authorization and verification of identity directly from the person for whom you are submitting a request.

In some instances, we may not be able to honor your request. For example, we will not honor your request if we cannot verify your identity or if we cannot verify that you have the authority to make a request on behalf of another individual. Additionally, we will not honor your request where an exception applies, such as information covered by GLBA or where the disclosure of Personal Information would adversely affect the rights and freedoms of another consumer or where the Personal Information that we maintain about you is not subject to the CCPA’s access or deletion rights.

We will advise you if we are not able to honor your request. We will not provide social security numbers, driver’s license numbers or government issued identification numbers, financial account numbers, health care or medical identification numbers, account passwords or security questions and answers, or any specific pieces of information if the disclosure presents the possibility of unauthorized access that could result in identity theft or fraud or unreasonable risk to data or systems and network security.

We will work to process all verified requests within 45 days pursuant to the CCPA. If we need an extension for up to an additional 45 days in order to process your request, we will provide you with an explanation for the delay.

How to Exercise Your Rights
If you are a California resident, you may submit a request by:

  1. Completing the Personal Information Request Form and emailing the completed form to operations@seia.com
  2. Calling (800) 723-5115

Questions or Concerns
You may contact us with questions or concerns about this Disclosure and our practices by:

    1. Writing us at:

Signature Estate & Investment Advisors, LLC
2121 Avenue of the Stars, Suite 1600
Los Angeles, CA 90067

    1. Emailing us at:

operations@seia.com

Changes to this California Consumer Privacy Act Disclosure
We may change or update this Disclosure periodically. Each update will be reflected via the “Last Updated” date.

Professional Designations

Certified Financial Planner™ (CFP® )

CFP® – Certified Financial Planner is issued by the Certified Financial Planner Board of Standards, Inc. CFP is a professional designation attained by a financial planner or advisor who has successfully completed the requirements set by the Certified Financial Planner Board.

The CFP designation that denotes a person is a competent, professional and ethical financial planner. CFP professionals must adhere to a code of ethics, which also requires every applicant to pass a background check before obtaining his or her designation.

Candidates must meet the following requirements:

  • Complete CFP® education program
  • Bachelor’s degree (or higher) from an accredited college or university
  • Pass CFP® certification exam
  • 3 years of full-time personal financial planning experience
  • Continuing education requirement of 30 hours every 2 years

Chartered Financial Analyst® (CFA® )

CFA – Chartered Financial Analyst is issued by the CFA Institute. A Chartered Financial Analyst (CFA) is a highly respected designation attained by an investment professional who has successfully completed all three parts of the CFA exam.

The CFA designation denotes that a person has a strong foundation of advanced investment analysis and real-world portfolio management skills. The CFA charter is one of the most respected designations in finance and is widely considered to be the gold standard in the field of investment analysis.

CFA designees must meet the following requirements for regular membership:

  • Hold a bachelor’s degree from an accredited institution or have equivalent education or work experience
  • Complete and pass the CFA Program – a graduate-level self-study program culminating in three sequential six-hour exams
  • Have at least 4 years of qualified work experience in the investment decision-making process
  • Fulfill society requirements, which require two sponsor statements as part of each application
  • Commit to abide by, and annually reaffirm, their adherence to the CFA Institute Code of Ethics and Standards of Professional Conduct
  • Must be a regular member

 

Chartered Alternative Investment Analyst

CAIA – Chartered Alternative Investment Analyst is issued by CAIA Association. A Chartered Alternative Investment Analyst is a respected designation attained by an investment professional who has successfully completed both levels of the CAIA exam.

The CAIA designation is meant for a financial professional who will be primarily in the alternative investment space, which may include but not limited to hedge funds and private equity.

Candidates must meet the following requirements:

  • Hold a U.S. bachelor’s degree or the equivalent, and have more than one year of professional experience
  • Successfully pass both the Level I and Level II exams
  • Four years of experience in the financial industry
  • Complete self-evaluation tool every three years

Accredited Investment Fiduciary®

AIF® – Accredited Investment Fiduciary is issued by the Center for Fiduciary Studies.

Candidates must meet the following requirements:

  • Complete the AIF training program
  • Pass the final certification exam
  • Continuing education requirement of 6 hours per year

Chartered Mutual Fund Counselor®

CMFC® – Chartered Mutual Fund Counselor is issued by the College for Financial Planning.

Candidates must meet the following requirements:

  • Self-study course
  • Pass the final certification exam
  • Continuing education requirement of 16 hours every two years

Accredited Asset Management Specialist®

AAMS® – Accredited Asset Management Specialist is issued by the College for Financial Planning.

Candidates must meet the following requirements:

  • Complete the AAMS Course Info
  • Pass the final certification exam
  • Continuing education requirement of 16 hours every two years

 

Chartered Financial Consultant®

ChFC® – Chartered Financial Consultant is issued by the American College.

Candidates must meet the following requirements:

  • Prerequisites: Three years of full-time business experience within the five years preceding the awarding of the designation
  • Seven core and two elective courses, equivalent of 27 semester credit hours
  • Pass the final certification exam
  • Continuing education requirement of 30 CE credits every two years

Chartered Life Underwriter®

CLU® – Chartered Life Underwriter is issued by the American College.

Candidates must meet the following requirements:

  • Prerequisites: Three years of full-time business experience within the five years preceding the awarding of the designation
  • Five core and three elective courses, equivalent of 24 semester credit hours
  • Pass the final certification exam
  • Continuing education requirement of 30 hours every two years

Certified Private Wealth Advisor®

CPWA® – Certified Private Wealth Advisor is issued by the Investments & Wealth Institute.

Candidates must meet the following requirements:

  • Bachelor’s degree from an accredited college or university or one of the following designations or licenses:  CIMA, CIMC, CFA, CFP, ChFC or CPA license
  • A satisfactory record of ethical conduct, as determined by IMCA’s Admissions Committee
  • Five years of professional client-centered experience in financial services or a related industry
  • Six-month pre-study educational component
  • In-class program at The University of Chicago Booth School of Business, or online program through Yale School of Management.

Certified Wealth Strategist®

CWS® – Certified Wealth Strategist is issued by the Cannon Financial Institute.

Candidates must meet the following requirements:

  • Three years of experience in the financial services industry that must also include direct interaction with clients and a 4-year degree from an accredited school
  • Two instructor-led training sessions
  • Self-directed study on numerous wealth management issues
  • Capstone project
  • Ten Mastery Exams, one for each directed study module
  • Continuing education requirement of 33 hours every two years

Retirement Income Certified Professional®

RICP® – Retirement Income Certified Professional® is issued by the American College.

Candidates must meet the following requirements:

  • Three years of professional experience
  • Three required courses, equivalent of 9 semester credit hours
  • Final course exam for each course; closed book, proctored
  • Continuing education requirement of 15 hours every two years

Chartered Market Technician®

CMT® – Chartered Market Technician is issued by the Market Technicians Association, Inc.

Candidates must meet the following requirements:

  • Three years of professional analytical or investment management experience
  • Member, Market Technicians Association
  • Successful completion of all three levels of the CMT exam process
  • No continuing education requirement

Certified 401(k) Professional®

C(k)P – Certified 401(k) Professional Designation is issued by The Retirement Advisor University in collaboration with UCLA Anderson School of Management Executive Education.

Candidates must meet the following requirements:

  • Demonstrated competency and experience in the retirement field
  • Completed education course work which includes classroom, online, and live online instructor led courses, as well as periodic assessments, an exam and a case study.
  • Obtain a minimum of 12 hours of continuing education each calendar year
  • Agreed to adhere to a code of conduct and ethics.
  • Must have at least 10 plans under management/advisory
  • Must have at least $30 million of assets under management/advisory
  • Must have at least 3 years of experience in the defined contribution industry.

Master of Science in Financial Service

MSFS – Master of Science in Financial Services is a graduate degree for the financial services industry offered by many institutions across the country

Certified Investment Management Analyst®

CIMA® – Certified Investment Management Analyst is issued by Investments & Wealth Institute.

Candidates must meet the following requirements:

  • Three years of financial services experience
  • A satisfactory record of ethical conduct, as determined by Investments & Wealth Institute Admissions Committee. Obtain a minimum of 12 hours of continuing education each calendar year
  • Qualification Examination and Certification Examination
  • Continuing education requirement of 40 hours every two years

The Certified Securities Compliance Professional®

CSCP® – The Certified Securities Compliance Professional (CSCP) is a graduate-level program for experienced securities professionals, offered through the University of St. Thomas in collaboration with the National Society of Compliance Professionals (NSCP).  Upon successful completion of the academic course and the CSCP certification exam, candidates will be granted the CSCP designation offered by NSCP. The certificate program provides a means for compliance professionals to demonstrate mastery of the two principal regulatory regimes (SEC and FINRA) that currently govern industry participants. Candidates must meet the following requirements:

  • Bachelor’s Degree from an accredited college/university required
  • Member of NSCP
  • A minimum of three years employment in the financial securities industry is required in order to use the CSCP designation
  • Recertification bi-annually

Certified Divorce Financial Analyst®

*CDFA® – Certified Divorce Financial Analyst is issued by Institute for Divorce Financial Analysts. Candidates must meet the following requirements:

  • Three years of professional experience in finance or divorce and a Bachelor’s degree.
  • Four certification exams (online, proctored, closed book)
  • Continuing education requirement of 15 divorce-related hours

Chartered Retirement Planning Counselor®

CRPC® – Chartered Retirement Planning Counselor is issued by College for Financial Planning.  Candidates must meet the following requirements:

  • Online instructor led or self-study course
  • Final designation exam (online, timed)
  • Continuing education requirement of 16 hours every two years

Master Planner Advanced Studies®

MPAS® – Master Planner Advanced Studies is issued by College for Financial Planning.  Candidates must meet the following requirements:

  • Bachelor’s or Graduate degree from a regionally-accredited college or university
  • Graduate degree in Personal Financial Planning from the College of Financial Planning (30 semester credits)
  • Exam type varies by graduate degree program
  • Continuing education requirement of 40 hours every 2 years

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