(American Association of Individual Investors)
Features: Membership in AAII include Special Reports
on investing, resources on financial planning and retirement, tax resources, mutual
fund and stock resources, and resources for building and managing an investment
portfolio for your own account. The AAII is a not-for-profit organization that arms
investors with the knowledge and tools needed to manage their finances effectively
Association of Retired Persons)
Features: Find out about Financial Planning, Social
Security, Wise Consumers, Frauds and Scams, Working Options, and Legislative Issues.
The AARP site provides advice on a host of retirement planning issues. Look to the
“Money and Work” section for a wealth of information.
www.aarp.org/money/financial_planning (American Association of Retired Persons)
Features: You need to understand how financial planners get paid so you can
be sure you are getting value for what you are paying. Generally, financial planners
structure their fees in one of three ways.
(The American Savings Education Council)
Features: Free use of the Ballpark Estimate,
which is an easy-to-use, one-page worksheet that helps you quickly identify approximately
how much you need to save to fund a comfortable retirement. The Ballpark Estimate
takes complicated issues like projected Social Security benefits and earnings assumptions
on savings, and turns them into language and mathematics that are easy to understand.
ASEC's goal is to make saving and planning a vital concern of Americans and in the
economic interests of employers.
Features: The BBB Information System allows
you to check out a company before you choose to do business with them. This site
is an invaluable resource for consumer information including tips on how to check
out a charity and how to file a complaint. The Better Business Bureau is dedicated
to fostering fair and honest relationships between businesses and consumers, instilling
consumer confidence and contributing to an ethical business environment.
(National Association of Investors Corporation)
Features: NAIC offers you many unique products, services
and professional support to help you become an informed investor. Most of NAIC's
investment analysis forms and guides are easy to learn and use and provide you with
a sound, proven method for investment analysis. The National Association of Investors
Corporation (NAIC) is a non-profit, largely volunteer organization dedicated to
(Council for Entrepreneurial Development)
Features: Keep up to date on Venture News, Events
Update, and other business news specific to North Carolina. The Council for Entrepreneurial
Development (CED) was founded in 1984 to stimulate the creation and growth of high
impact companies in the greater Research Triangle area. CED achieves its mission by providing programs
and services in four major areas: education, capital formation, mentoring, and communications.
www.cfp-board.org (Certified Financial Planner Board of Standards)
Features: Check the status of a CFP Certificant;
10 Questions to Ask When Choosing a Financial Planner; What You Should Know
About Financial Planning; and Your Rights as a Financial Planning Client.
Futures Trading Commission)
Features: Customer Protection section includes
information and news regarding foreign currency trading; CFTC Consumer Advisories;
Enforcement Bulletins; and Enforcement Actions. Also, the Before You
Trade section features information on Understanding Commodity Futures and Option
Contracts. The Commodity Futures Trading Commission (CFTC) was created
by Congress in 1974 as an independent agency with the mandate to regulate commodity
futures and option markets in the United States. The agency protects market participants
against manipulation, abusive trade practices and fraud.
Features: 1) Get the facts on consumer frauds from
Internet cons, prize promotions, work-at-home schemes, and telemarketing scams to
identity theft; 2) report your fraud complaints so they can be shared with law enforcement
officials across the U.S. and around the world; 3) learn how U.S., Canadian, and
Australian law enforcers work together with private sector companies and consumer
organizations to combat fraud; and 4) see trends and the types of complaints consumers
(Consumer Federation of America)
Links to investor education sites are among those offered
on the Consumer Federation of America’s Website. You can also download information
on “Teenage Consumers: Teaching Your Children How to Save and Spend at
(NASAA and Coordinated Review)
Features: CR-Equity provides a uniform procedure
designed to coordinate the blue-sky registration process among states in which the
issuer seeks to sell its equity securities. In addition to creating uniformity in
review standards, the program is designed to expedite the registration process,
saving the issuer time and money. Coordinated review is voluntary, and there is
no additional cost for choosing to register an offering through coordinated review.
(Consumer Credit Counseling Service of Western North Carolina) (CCCS)
Features: If you are suffering from debt stress, CCCS may be just the solution
you need. For more than 28 years CCCS has been helping people manage money and credit
better through free, professional, confidential money management counseling and
debt repayment programs. CCCS debt repayment programs help clients get back on track
with unsecured debt payments, by working with creditors in an attempt to reduce
monthly payments, reduce interests, and waive late fees. Unlike other companies,
CCCS charges no fee for the debt repayment program.
Department of Labor: Employee Benefits Security Administration)
Features: Get Financially Fit - Check out the U.S. Department of Labor's
latest tool in its National Retirement Savings Education Campaign,
Savings Fitness: A Guide to Your Money and Your Financial Future.
--The Financial Industry Regulatory Authority (FINRA), formerly known as the NASD,
is an "SRO," a self-regulatory organization for the securities industry that has
the authority to examine and regulate broker-dealer firms, their branch offices,
and their registered securities sales representatives. The FINRA's website contains
information about its role in the regulation of the securities industry and the
services it makes available to the investing public. The following links will take
you to FINRA investor protection and education articles.
FINRA - Investor Education - Folleto en Español (Financial Industry Regulatory
Features: Investor Brochure Series in Spanish: 1) Cuando esté dispuesto a
invertir; 2) Opciones de inversión; 3) Su equipo para invertir; 4) Estrategias para
invertir; 5) Cómo abrir una cuenta; 6) Cómo invertir con seguridad; 7) Resolución
de disputas; 8) Las inversiones y el Internet; y 9) Fuentes de información. See
www.fool.com/community/resource/item_index.htm (The Motley Fool)
Features: Comprehensive Web Resources List Index
for those who need to find things fast.
(The Financial Planning Association)
Features: A place to explore important financial issues and a place to discover
the value of financial planning. The Financial Planning Association (FPA) is offering
financial planning assistance and recommended
resources for military families and personnel.
Fraud Information Center)
Features: Provides Fraud Statistics; and Information
about Telemarketing Fraud, Internet Fraud, Scams Against Businesses, Fraud Against
the Elderly, Fraud Alerts and Links. The National Fraud Information Center (NFIC)
is a toll-free hotline for consumers to get advice about telephone solicitations
and report possible telemarketing fraud to law enforcement agencies.
www.ftc.gov(Federal Trade Commission)
Features: FTC Consumer Alerts; Business Alerts; Gramm-Leach-Bliley
Act Information and Privacy Initiatives. The Federal Trade Commission enforces a
variety of federal antitrust and consumer protection laws. The Commission seeks
to ensure that the nation's markets function competitively, and are vigorous, efficient,
and free of undue restrictions.
http://www.ftc.gov/bcp/edu/pubs/consumer/invest/inv03.pdf (Federal Trade Commission)
Features: Pre-Investment Questions: Fraud is always
a possibility, even with secured, regulated investments. Before investing, ask tough
questions, both of yourself and those who are soliciting your investments. If the
answer to any of these questions is "no" — or if the answers are vague or
complicated — the investment being pitched is suspect.
(Investment Adviser Registration Depository)
Features: This Site provides investment adviser firms
and representatives with a variety of information about the IARD system. The Investment
Adviser Registration Depository (IARDSM) is an electronic filing system
that facilitates Investment Adviser registration, regulatory review, and the public
disclosure information of Investment Adviser firms. NASD Regulation, Inc. is the
developer and operator of the IARD system.
Features: Guides to Understanding Mutual Funds; Mutual
Fund Facts and Figures; and Investor Awareness Resources. The Investment Company
Institute (ICI) is the national association of the American investment company industry.
(Investing Online Resource Center)
Features: Take the Quiz: Are You Ready To Be An
Online Investor? Check out 1) 8 Things Every Online Investor Should Know;
2) the Investing Simulator Center; 3) the Real Cost of Daytrading and 4)
Online Broker Ratings. Investing Online Resource Center (IORC) is an organization
dedicated solely to serving the individual consumer who invests online or is considering
(Investing For Your Future)
Features: Investing For Your Future (IFYF) provides
a home study course for beginning investors with small dollar amounts to invest
at any one time.
(Alliance for Investor Education)
Features: A comprehensive site for investor education.
Investors of all ages can link to “Investing Basics” and the “Kid’s
Savings Calculator” on the Alliance for Investor Education (AIE) Website.
The AIE is dedicated to facilitating greater understanding of investing, investments
and the financial markets among current and prospective investors of all ages.
(Investor Protection Trust)
Features: i The primary mission of the Investor Protection Trust (IPT) is
to provide independent, objective information needed by consumers to make informed
investment decisions. Founded in 1993 as part of a multi-state settlement to resolve
charges of misconduct, IPT serves as an independent source of non-commercial investor
education materials. IPT operates programs under its own auspices and uses grant
to underwrite important initiatives carried out by other organizations.
Organization of Securities Commissions)
Features: Membership Lists provide contact
information for International Securities Commissions. The Members of the International
Organization of Securities Commissions (IOSCO) have been organized to cooperate
together to promote high standards of regulation in order to maintain just, efficient
and sound markets; to exchange information on their respective experiences in order
to promote the development of domestic markets; to unite their efforts to establish
standards and an effective surveillance of international securities transactions;
to provide mutual assistance to promote the integrity of the markets by a rigorous
application of the standards and by effective enforcement against offenses.
(The Jump$tart Coalition for Personal Financial Literacy)
Features: Jump$tart Coalition for Personal Financial
Literacy offers a wealth of financial education materials aimed at Grades K-12.
(The Center for Corporate Law at University of Cincinnati College of Law)
Features: The Securities Lawyer's Deskbook
contains the full text of the basic federal securities laws and regulations, as
well as the principal Securities and Exchange Commission forms under those laws
and regulations. The Securities Lawyer's Deskbook is designed primarily for
use by legal practitioners and scholars, securities professionals, and corporate
(The University of Toledo, College of Law)
Features: This Web site, made possible by the Heuerman
Fund, is designed to provide online access to financial regulatory agencies around
the world and to relevant statutes and rules from all jurisdictions.
(North American Securities Administrators Association)
Features: Check out: 1) the Library; 2) Exams Information;
3) Legislative Affairs; 4) News and Public Affairs; 5) Broker Dealer Information;
6) Corporate Finance Information; 7) Enforcement Issues; 8) Investment Adviser Information;
and 9) Investor Education. NASAA is an advocate for the 50 state securities agencies
responsible for efficient capital formation and grassroots investor protection.
Council on Economic Education)
Features: NCEE is the premier source of teacher training
and materials used to instill an understanding of economic principles for grades
kindergarten through twelve. The National Council on Economic Education is a unique
nonprofit partnership of leaders in education, business and labor devoted to helping
youngsters learn to think, to choose and to function in a changing global economy.
Carolina General Assembly - Statutes Table of Contents (North Carolina General Assembly)
Features: This link takes you to the North Carolina General Assembly’s
website, where the text of the North Carolina Securities Act, the North Carolina
Investment Advisers Act, and the North Carolina Commodities Act (chapters 78A, 78C
& 78D of the North Carolina General Statutes) may be found. Be aware that
this site may not yet incorporate amendments to these statutes by recent acts of
the General Assembly. For such amendments, see the North Carolina Securities
Carolina Government Portal)
Features: Find out how North Carolina Government
is serving businesses.
Endowment for Financial Education)
Features: Check out the “High School Financial
Planning Program” at this site, sponsored by the National Endowment for Financial
(National Futures Association)
Features: Learn about the National Futures Association.
Its mission is to protect the public investor by maintaining the integrity of the
White Collar Crime Center)
Features: Get the resource help you need here. The National White Collar
Crime Center (NW3C) provides a nationwide support network for enforcement agencies
involved in the prevention, investigation, and prosecution of economic and high-tech
Investors Arbitration Bar Association)
Features: Through this web site you can find an attorney
in your area who will assist you in answering questions regarding a dispute with
your brokerage firm. For tips on what you, the investor, should know before investing,
visit The Investor Bill of Rights. The Public Investors Arbitration Bar Association
(PIABA) is a national bar association whose member attorneys are dedicated to the
representation of investors in disputes with the securities industry.
(United States Department of Treasury)
Features: The Department of Treasury’s website
answers questions about interest rates, buying and cashing savings bonds, and taxes.
www.sba.gov (U.S. Small
Features: Topics include Starting a Business
and Financing a Business. The U.S. Small Business Administration, established
in 1953, provides financial, technical and management assistance to help Americans
start, run, and grow their businesses.
Business and Technology Development Center)
Features: The Small Business and Technology Development
Center (SBTDC) is a business development service of The University of North Carolina
system operated in connection with the US Small Business Administration. The SBDTC
provides management counseling and educational services to help North Carolina Businesses
meet challenges, manage change, and plan for the future.
www.sec.gov (U.S. Securities
and Exchange Commission)
Features: Information for Accountants, Broker Dealers,
EDGAR Filers, Funds and Advisers, Municipal Markets and Small Business. The primary
mission of the U.S. Securities and Exchange Commission (SEC) is to protect investors
and maintain the integrity of the securities markets.
www.sec.gov/divisions/investment/iard/iardfaq.shtml (U.S. Securities and Exchange
Features: Electronic Filing for Investment Advisers
on IARD: Frequently Asked Questions
(U.S. Securities and Exchange Commission)
Features: Search the EDGAR database, for free. The
SEC requires all public companies (except foreign companies and companies with less
than $10 million in assets and 500 shareholders) to file registration statements,
periodic reports, and other forms electronically through EDGAR. Here you'll find
links to a complete list of filings available through EDGAR and instructions for
searching the EDGAR database.
(U.S. Securities and Exchange Commission)
Features: This page provides a shortcut to much of
the information on the SEC’s website relating to small businesses.
www.sec.gov/investor/pubs/coldcall.htm (U.S. Securities and Exchange Commission)
Features: It's known as “cold calling.”
For many businesses, including securities firms, cold calling serves as a legitimate
way to reach potential customers. But sometimes serious trouble and financial losses
await you at the other end of the line. Dishonest brokers may pressure you to buy
a bad investment. Or the investment might be a scam.
(U.S. Securities and Exchange Commission)
Features: Text of the Investment Advisers Act of
(U.S. Securities and Exchange Commission)
Features: Rules under the Investment Advisers Act
Industry and Financial Markets Association)
Features: Find out what the Key Issues are
in the Securities Industry; Locate Conferences and Upcoming Events; or Tour through
the Publications. The Securities Industry and Financial Markets Association
brings together the shared interests of nearly 700 securities firms to accomplish
Features: Visit the Social Security Administration’s
Website for “Youth Link” at http://www.ssa.gov/kids/.
You can also request a Personal Earnings and Benefits Estimate Statement to find
out what your Social Security benefits will be.
Crime Complaint Center)
Features: For victims of Internet fraud, IFCC provides
a convenient and easy-to-use reporting mechanism that alerts authorities of a suspected
criminal or civil violation. The Internet Fraud Complaint Center (IFCC) is a partnership
between the Federal Bureau of Investigation (FBI) and the National White Collar
Crime Center (NW3C). IFCC's mission is to address fraud committed over the Internet.