Tax implications for RIAs considering M&A; 150 biggest fee-only RIAs; 31 PTE changes under Labor's proposed rule

Tax implications for RIAs considering M&A; 150 biggest fee-only RIAs; 31 PTE changes under Labor's proposed rule

TAX: The price tags of hundreds of M&A deals for registered investment advisory firms draw most of the attention each year, but the tax implications reverberate for far longer.

Through interviews with five experts in RIA M&A transactions and combing through the available research about deals involving any small businesses, Financial Planning compiled 25 tax tips. The key concerns for buyers and sellers include entity structure, the allocations in a given transaction, planning strategies such as charitable gifts and an array of other potential tax factors to consider around any RIA M&A deal.??

Read: 25 tax tips for RIA M&A deals and other small business sales


RIA LEADERS 2023: The 150 largest fee-only registered investment advisory firms have more than $812 billion in combined assets under management across nearly 750,000 client accounts.

As part of the upcoming print edition of Financial Planning's annual RIA Leaders issue, data partner COMPLY used Form ADV filings with the Securities and Exchange Commission to rank RIAs that meet a six-part formula, eliminating any firms that take any type of commissions. This listing of the 150 fee-only RIAs with the most assets under management represents one method? discerning the biggest firms in the channel. Other definitions of "fee-only," a more general approach to measuring RIAs or an identification of the fastest growing firms result in vastly different rankings.? See who topped the list.

Download: FP's list of the 150 largest fee-only RIAs

Read more: Schwab and Fidelity referrals give certain RIAs business, deal others out


REGULATION AND COMPLIANCE: The Labor Department's new potential "retirement security rule" carries significant changes to existing guidelines known as prohibited transaction exemptions for fiduciary investment advice.

While the main part of the rulemaking package would alter the definition of "fiduciary" under the Employee Retirement Income Security Act, three other potential amendments included in the proposal would enforce new requirements for disclosures and apply "best interest" standards to more types of transactions. The exemptions enable advisors to retirement plans to provide investment advice to participants, so long as they comply with "impartial conduct standards" that require the services to be in the investors' best interests without any materially misleading statements but allow for the payment of a reasonable amount of compensation.

Read: 31 changes to prohibited transaction exemptions under DOL proposal??


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