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Retail communications must disclose that past performance is not indicative of future results. FINRA never endorses investments, diversification reduces but does not eliminate risk, and no returns are guaranteed. Disclosure rules are vital for investor protection and heavily tested.

Internal training materials are not subject to FINRA filing rules. Retail ads, social posts, and variable annuity promotions require approval and sometimes filing. Series 6 candidates must know exemptions.

SEP IRAs are employer-funded retirement plans that provide tax-deferred growth. Roth IRAs are individual accounts, Coverdell ESAs are education-focused, and UGMA accounts are taxable custodial accounts. Knowing employer vs. employee contributions is a tested concept.

Retail communications with third-party rankings must be filed with FINRA within 10 business days of first use. Institutional communication and correspondence are supervised but not filed. Internal notes are exempt. Filing requirements test regulatory knowledge and compliance.

Variable annuities are insurance products with subaccounts tied to market performance, providing both insurance guarantees and investment growth potential. Fixed annuities provide guarantees but no investment risk. Money markets and Treasuries are investment products only. This distinction is heavily tested because Series 6 representatives sell annuities.