{"id":3779,"date":"2024-11-25T22:19:24","date_gmt":"2024-11-26T03:19:24","guid":{"rendered":"https:\/\/mcclatchymhstg.wpenginepowered.com\/careers-education\/?p=3779"},"modified":"2025-04-25T15:21:43","modified_gmt":"2025-04-25T20:21:43","slug":"series-65-vs-series-66","status":"publish","type":"post","link":"https:\/\/www.miamiherald.com\/careers-education\/series-65-vs-series-66\/","title":{"rendered":"Series 65 vs. Series 66: Key Differences"},"content":{"rendered":" <p class=\"wp-block-paragraph\">So, you\u2019re diving into the investment world, and now you\u2019re at the classic crossroads: Series 65 vs. Series 66.<\/p> <p class=\"wp-block-paragraph\">It\u2019s like deciding whether you want to be the head coach (Series 65) or the player coach (Series 66). With Series 65, you&#8217;re on the sidelines, fully focused on giving the best investment advice to your clients, guiding them to make smart moves without stepping into the game yourself. It\u2019s all about strategy and planning for them\u2014no need to get tangled up in the nitty-gritty of actually selling securities.<\/p> <p class=\"wp-block-paragraph\">On the other hand, Series 66 lets you play both roles. Imagine being both the coach who calls the shots <em>and<\/em> the player who handles the ball. You\u2019re advising clients <em>and<\/em> actively selling securities, which opens up a wider range of career options, especially if you\u2019ve already passed the Series 7.<\/p> <p class=\"wp-block-paragraph\">Both paths can lead to a rewarding career, but each has a unique vibe and skill set.<\/p> <p class=\"wp-block-paragraph\">So, let\u2019s break down the key differences and help you find the path that\u2019s right for you!<\/p> <p class=\"wp-block-paragraph\"><strong>Key Takeaway<\/strong><\/p> <ul class=\"wp-block-list\"> <li><strong>Series 65 is ideal for focused investment advising<\/strong>: It\u2019s a standalone exam for those who want to provide financial advice without handling securities transactions.<\/li> <li><strong>Series 66 combines advising with securities sales<\/strong>: Perfect for professionals with a Series 7 license, offering dual registration as both an adviser and broker-dealer.<\/li> <li><strong>Exam requirements and costs vary<\/strong>: Series 65 includes 130 questions with a passing score of 72%, while Series 66 has 100 questions requiring 73%.<\/li> <li><strong>Choose based on your career goals<\/strong>: Series 65 is best for a straightforward advisory role, while Series 66 offers greater flexibility and earning potential for dual roles.<\/li> <\/ul> <h2 class=\"wp-block-heading\" id=\"h-what-are-series-65-and-series-66\"><strong>What Are Series 65 and Series 66?<\/strong><\/h2> <p class=\"wp-block-paragraph\">Both the Series 65 and Series 66 exams are certifications in the finance world, specifically for those who want to provide investment advice or deal in securities. <\/p> <p class=\"wp-block-paragraph\">The main difference? <\/p> <p class=\"wp-block-paragraph\">Series 65 is for people who want to work as investment advisers only. Series 66 is for those who want a dual role, mixing investment advising with being a broker-dealer. That\u2019s like being both a coach and a player on a team.<\/p> <p class=\"wp-block-paragraph\">The North American Securities Administrators Association (<a href=\"https:\/\/www.nasaa.org\/\">NASAA<\/a>) sets these exams up, and <a href=\"https:\/\/www.finra.org\/\">FINRA<\/a> (the Financial Industry Regulatory Authority) handles the registration, exam fees, and scheduling. Think of NASAA as the rulemaker and FINRA as the organizer.<\/p> <h2 class=\"wp-block-heading\" id=\"h-key-facts-about-series-65\"><strong>Key Facts About Series 65<\/strong><\/h2> <p class=\"wp-block-paragraph\">The Series 65 exam is known as the Uniform Investment Adviser Law Exam. It\u2019s a great pick if you\u2019re only focused on giving advice to clients and helping them grow their wealth.<\/p> <ul class=\"wp-block-list\"> <li><strong>Who it\u2019s For:<\/strong> Those wanting to be <em>Investment Adviser Representatives (IARs)<\/em> without handling the sale of securities.<\/li> <li><strong>Exam Format:<\/strong> 130 questions focused on investment adviser law, ethics, and basic economic principles.<\/li> <li><strong>Passing Requirements:<\/strong> You need to score 72%\u2014that\u2019s 94 out of 130 questions correct.<\/li> <li><strong>No Co-Required Exam:<\/strong> Series 65 stands alone; you don\u2019t need any other certification to take it.<\/li> <\/ul> <p class=\"wp-block-paragraph\">If your goal is to give advice without dealing with the sales side, Series 65 is your ticket.<\/p> <h2 class=\"wp-block-heading\" id=\"h-key-facts-about-series-66\"><strong>Key Facts About Series 66<\/strong><\/h2> <p class=\"wp-block-paragraph\">The Series 66 exam, or Uniform Combined State Law Exam, is a combo deal for those who want to work as both an adviser and broker-dealer. However, this one does require a Series 7 license first.<\/p> <ul class=\"wp-block-list\"> <li><strong>Who it\u2019s for:<\/strong> People who want to be <em>both<\/em> advisers and broker-dealers, letting them handle clients and securities transactions.<\/li> <li><strong>Exam Format:<\/strong> 100 questions on a mix of investment advice and securities regulation.<\/li> <li><strong>Passing Requirements:<\/strong> You\u2019ll need to get 73% correct, or 73 out of 100 questions.<\/li> <li><strong>Requires Series 7:<\/strong> Series 66 pairs with Series 7, so make sure you\u2019ve got that license first.<\/li> <\/ul> <h2 class=\"wp-block-heading has-text-align-center\" id=\"h-quick-comparison-series-65-vs-series-66\"><strong>Quick Comparison: Series 65 vs. Series 66<\/strong><\/h2> <style> table { width: 100%; border-collapse: collapse; text-align: center; margin: 20px 0; } table th, table td { border: 1px solid black; padding: 10px; } table th { background-color: #0C66B2; color: white; } table tr:nth-child(even) { background-color: #f2f2f2; } table tr:hover { background-color: #d9eaf7; } table caption { caption-side: bottom; font-size: 0.9em; color: #555; } <\/style> <table> <thead> <tr> <th>Feature<\/th> <th>Series 65<\/th> <th>Series 66<\/th> <\/tr> <\/thead> <tbody> <tr> <td>Primary Focus<\/td> <td>Investment Advising<\/td> <td>Investment Advising + Broker-Dealer<\/td> <\/tr> <tr> <td>Exam Requirement<\/td> <td>Standalone (no Series 7 required)<\/td> <td>Requires Series 7 License<\/td> <\/tr> <tr> <td>Total Questions<\/td> <td>130 questions<\/td> <td>100 questions<\/td> <\/tr> <tr> <td>Passing Score<\/td> <td>72%<\/td> <td>73%<\/td> <\/tr> <tr> <td>Cost<\/td> <td>Around $187<\/td> <td>Around $177<\/td> <\/tr> <tr> <td>Best For<\/td> <td>Advisers without brokerage needs<\/td> <td>Advisers looking for dual registration as brokers and advisers<\/td> <\/tr> <\/tbody> <\/table> <h2 class=\"wp-block-heading\" id=\"h-which-exam-should-you-take\"><strong>Which Exam Should You Take?<\/strong><\/h2> <p class=\"wp-block-paragraph\"><strong>If you want to focus solely on giving investment advice:<\/strong><\/p> <ul class=\"wp-block-list\"> <li>Take the <strong>Series 65<\/strong>. It\u2019s perfect for becoming an Investment Adviser Representative without needing a securities sales license. I recommend using <a href=\"https:\/\/www.miamiherald.com\/careers-education\/best-series-65-exam-prep-courses\/\">Series 65 exam study materials<\/a> to help you pass.<\/li> <\/ul> <p class=\"wp-block-paragraph\"><strong>If you\u2019re aiming to be both an adviser and a broker, handling client investments and securities sales:<\/strong><\/p> <ul class=\"wp-block-list\"> <li>Go for the <strong>Series 66<\/strong>. It\u2019s designed for those with a Series 7 license who want dual registration as both an adviser and broker-dealer.<\/li> <\/ul> <p class=\"wp-block-paragraph\"><strong>If you\u2019re new to financial advising and only want one certification:<\/strong><\/p> <ul class=\"wp-block-list\"> <li>The <strong>Series 65<\/strong> is your best bet. It\u2019s a standalone exam, so you don\u2019t need any other licenses to qualify.<\/li> <\/ul> <p class=\"wp-block-paragraph\"><strong>If you\u2019ve already got a Series 7 license and want to expand your role:<\/strong><\/p> <ul class=\"wp-block-list\"> <li>Take the <strong>Series 66<\/strong>. It complements the Series 7, letting you work as both an adviser and a securities agent.<\/li> <\/ul> <h2 class=\"wp-block-heading\" id=\"h-real-talk-pros-and-cons-of-series-65-vs-series-66\"><strong>Real Talk: Pros and Cons of Series 65 vs Series 66<\/strong><\/h2> <p class=\"wp-block-paragraph\">Both exams lead to rewarding careers, but each has unique benefits and challenges.<\/p> <p class=\"wp-block-paragraph\"><strong>Pros of Series 65:<\/strong><\/p> <ul class=\"wp-block-list\"> <li>No need for a Series 7 license.<\/li> <li>Ideal for focusing on investment advice alone.<\/li> <li>Opens the door to financial advising with a straightforward career path.<\/li> <\/ul> <p class=\"wp-block-paragraph\"><strong>Cons of Series 65:<\/strong><\/p> <ul class=\"wp-block-list\"> <li>Limited if you\u2019re interested in also handling securities.<\/li> <li>Not a fit for someone aiming to work in a dual capacity as a broker.<\/li> <\/ul> <p class=\"wp-block-paragraph\">Check out the list of my top picks for <a href=\"https:\/\/www.miamiherald.com\/careers-education\/best-series-65-exam-prep-courses\/\">Series 65 courses<\/a> to pass on your first try.<\/p> <p class=\"wp-block-paragraph\"><strong>Pros of Series 66:<\/strong><\/p> <ul class=\"wp-block-list\"> <li>Covers both investment advising and broker-dealer roles.<\/li> <li>Higher earning potential due to dual capabilities.<\/li> <li>Perfect if you want the flexibility to work with securities transactions, too.<\/li> <\/ul> <p class=\"wp-block-paragraph\"><strong>Cons of Series 66:<\/strong><\/p> <ul class=\"wp-block-list\"> <li>Requires a Series 7 license first.<\/li> <li>Might be overwhelming if you\u2019re new to finance.<\/li> <\/ul> <p class=\"wp-block-paragraph\">If you pick Series 66, read the reviews of my favorites for the <a href=\"https:\/\/www.miamiherald.com\/careers-education\/best-series-65-exam-prep-courses\/\">best Series 65 prep courses<\/a>.<\/p> <h2 class=\"wp-block-heading\" id=\"h-series-65-vs-series-66-choosing-your-path\"><strong>Series 65 vs. Series 66: Choosing Your Path<\/strong><\/h2> <p class=\"wp-block-paragraph\">Deciding between Series 65 and Series 66 boils down to what you want to do in the financial industry. If giving solid investment advice sounds perfect, Series 65 is your exam. But if you\u2019re drawn to the challenge of advising <em>and<\/em> handling securities, Series 66 will set you up for that dual role.<\/p> <p class=\"wp-block-paragraph\">Passing either exam is no small feat, but with dedication, you\u2019ll be on your way to a rewarding career as a financial professional. So, grab your study guide, set a goal, and soon enough, you\u2019ll be ready to take on the finance world.<\/p> <h2 class=\"wp-block-heading\" id=\"h-faq\"><strong>FAQ<\/strong><\/h2> <div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1732085794254\"><strong class=\"schema-faq-question\"><strong>What&#8217;s the difference between Series 65 and Series 66?<\/strong><\/strong> <p class=\"schema-faq-answer\">The <a href=\"https:\/\/www.miamiherald.com\/careers-education\/what-is-the-series-65-exam\/\">Series 65 exam<\/a> is for those who want to work as investment adviser representatives, focused solely on providing investment advice. The <a href=\"https:\/\/www.miamiherald.com\/careers-education\/series-66-exam\/\">Series 66 exam<\/a> is for those with a Series 7 license who want dual roles as both investment advisers and securities agents, allowing them to provide advice and sell securities.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1732085800963\"><strong class=\"schema-faq-question\"><strong>Who oversees the exams for financial professionals like investment adviser representatives?<\/strong><\/strong> <p class=\"schema-faq-answer\">FINRA handles the registration and scheduling of exams like Series 65 and Series 66, while the NASAA creates and regulates the content to ensure it aligns with the financial industry\u2019s laws.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1732085810632\"><strong class=\"schema-faq-question\"><strong>Why do some financial professionals choose the Series 66 exam over the Series 65?<\/strong><\/strong> <p class=\"schema-faq-answer\">Financial professionals who already hold a Series 7 license often choose the Series 66 exam because it covers both investment advising and securities transactions, streamlining licensing for those looking to be registered as both investment advisers and broker-dealers.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1732085820783\"><strong class=\"schema-faq-question\"><strong>What are some unethical business practices investment advisor representatives and securities agents need to avoid?<\/strong><\/strong> <p class=\"schema-faq-answer\">Unethical practices include misleading clients about investment risks or fees, making unauthorized transactions, and prioritizing personal gain over client interests. If you suspect unethical behavior, report it to FINRA or your state securities regulator.<\/p> <\/div> <\/div> ","protected":false},"excerpt":{"rendered":"<p>So, you\u2019re diving into the investment world, and now you\u2019re at the classic crossroads: Series 65 vs. Series 66. It\u2019s like deciding whether you want to be the head coach (Series 65) or the player coach (Series 66). With Series 65, you&#8217;re on the sidelines, fully focused on giving the best investment advice to your [&hellip;]<\/p> ","protected":false},"author":11,"featured_media":3780,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3],"tags":[],"class_list":["post-3779","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-careers-education"],"acf":{"external_author":[129],"external_editor":"","select_template":"default","not_show_feature_image":false,"hide_toc":false},"featured_image_src":"https:\/\/www.miamiherald.com\/careers-education\/wp-content\/uploads\/sites\/2\/2024\/11\/Series-65-vs.-Series-66-768x427.png","author_info":{"display_name":"","author_link":"https:\/\/www.miamiherald.com\/careers-education\/author\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Series 65 vs. Series 66: Key Differences<\/title>\n<meta name=\"description\" content=\"Learn about the key differences between Series 65 and Series 66, their requirements, and which is Series exam is right for you and your career.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.miamiherald.com\/careers-education\/series-65-vs-series-66\/\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/careers-education\\\/series-65-vs-series-66\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/careers-education\\\/series-65-vs-series-66\\\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"Series 65 vs. Series 66: Key Differences\",\"datePublished\":\"2024-11-26T03:19:24+00:00\",\"dateModified\":\"2025-04-25T20:21:43+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/careers-education\\\/series-65-vs-series-66\\\/\"},\"wordCount\":1244,\"image\":{\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/careers-education\\\/series-65-vs-series-66\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.miamiherald.com\\\/careers-education\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2024\\\/11\\\/Series-65-vs.-Series-66.png\",\"articleSection\":[\"Careers &amp; 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