State-Registered Investment Advisers (RIAs) are subject to numerous regulations in the state(s) where they do business, which, though they vary from state to state, generally have the goal of protecting investors from fraudulent sales practices. These rules require RIAs to file documents (such as Form ADV) with the state, maintain books and records, provide disclosures to clients, and act in the clients’ best interests whenever providing financial advice. Additionally, many (but not all) states set minimum financial requirements – in the form of minimum net capital and/or surety bond requirements – that RIA firms must maintain in order to become (and remain) licensed, to protect consumers from both the risk of fraud, and simply the consequences of negligent or inaccurate advice that could cause them harm. Because of the many differences between each state’s requirements, though, it’s important for RIA owners (especially the founders of new firms) to know their state’s particular rules and how to comply with them.
In this post, Kitces Senior Financial Planning Nerd Ben Henry-Moreland discusses how owners of state-registered RIAs can better understand their minimum net capital and surety bond requirements, and what protection they do (and don’t) provide for both clients and financial advisors themselves.
In states that set minimum net capital requirements, an RIA must hold a certain level of assets over its liabilities. This amount varies not only from state to state, but also often within states, depending on whether the RIA holds custody of client assets and/or has discretionary trading authority over client funds. In practice, states most commonly require RIAs to hold $35,000 of net capital if they have custody, $10,000 if they have discretionary trading authority (but not custody), and to have at least a $0 (i.e., positive and not-negative) net worth if they are an advice-only firm (no custody or discretion), which must be satisfied by holding cash or other marketable (i.e., liquid) investment assets.
In lieu of maintaining a certain amount of capital, though, some states permit RIAs to cover some or all of their net capital requirements with a surety bond instead. State rules for surety bonds can also vary widely, with some states requiring RIAs to hold a surety bond, others allowing firms to purchase a surety bond in lieu of maintaining the state’s net capital requirements, and some choosing not to sanction the use of surety bonds whatsoever. In states that do allow (or require) surety bonds, RIA owners need to know how surety bonds function, what the potential risks of having a surety bond may be, how their state’s surety bond and net capital bond requirements interact (and how to decide whether or not to buy a surety bond if they have a choice), and how to find the best surety bond provider to meet their needs. Though ultimately, surety bonds are appealing relative to net capital requirements because of their significantly lower cost – typically about 1% of the face amount, which means paying $100/year for a $10,000 surety bond.
While net capital and surety bond requirements provide some level of financial protection to RIA clients, that protection is minimal compared to what many clients may actually stake on their advisors’ recommendations. In practice, a legal claim by a dissatisfied client could result in a liability for the RIA that is many times greater than the state’s minimum financial requirements. Accordingly, RIA owners can protect themselves with additional layers of coverage (such as Errors & Omissions insurance) above the minimum amounts that may be required by the states in which they operate. Especially since a surety bond provider has the right to collect any client claims from the advisor, which means it does help ensure a client is made whole – similar to E&O insurance – but doesn’t actually protect the advisor’s own assets the way E&O coverage does!
The key point, though, is simply that because financial advisors are expected to give good advice, and can be held financially liable for advice that results in undesired financial outcomes for their clients, they must have the financial wherewithal available to cover any liabilities resulting from a client’s legal claims. State minimum financial requirements are one of the few ways to ensure that RIAs have assets available (or a surety bond in lieu of assets, where permitted) so clients can be compensated for any damages. But part of being a trusted professional is taking full accountability for the consequences of professional advice… which means it’s essential for the RIA to know not just how much coverage they need to secure to meet their state’s requirements (and in what form), but also how much additional coverage they may need to fully protect themselves (and their clients)!
Enjoy the current installment of “Weekend Reading For Financial Planners” – this week’s edition kicks off with the news that CFP Board is increasing its efforts to enforce its requirement for CFP certificants to report information about their own misconduct or ethical violations… by increasing the sanction for failure to report the information from a private to a public censure. Notably, however, CFP Board will not (yet?) be imposing a fine or “administrative fee” on certificants for failure to report, as was proposed earlier this year. But it is reportedly still evaluating the measure, which would have broad implications, since imposing a fine positions the CFP Board as more of a regulator, and not “just” a standards-setting nonprofit organization?
Also in industry news this week:
The House Financial Services Committee approved a bill that would end the practice of mandatory arbitration clauses in brokerage and advisory client agreements, but the bill faces stiff opposition from the financial industry and Republican lawmakers (that makes its passage unlikely at this point)
FINRA released an overhaul of its Continuing Education requirements, increasing the frequency of its Regulatory Element requirement from once every three years to once per year, and creating a new program enabling individuals who temporarily terminate their registration to reinstate their qualifications within 5 years by completing CE requirements
From there, we have several articles on (the hidden costs of) investing, including:
How “free” investment services often obscure hidden costs, as highlighted by the recent class-action lawsuit against Schwab’s Intelligent Portfolio recommendation of high allocations to its proprietary (and profitable) cash sweep account
Why the practice of Payment-For-Order-Flow remains controversial and highly scrutinized by regulators, even when (as brokerage firms argue) it may actually result in better trade pricing for retail investors
How mutual funds can (and sometimes do) choose benchmarks that make their own performance look better by comparison, and even switch benchmarks to boost their relative historical returns after the fact, potentially misleading investors yet without violating any existing securities regulations
We also have a number of articles on how advisors can approach the upcoming holiday season:
A rundown of the types of gifts different advisors give to clients, from custom-made chocolate to donations to a client’s favorite cause
Why giving experiences rather than “stuff” is more likely to provide a happiness boost to the client who receives the gift
How advisors can write an effective and engaging holiday letter to clients
We wrap up with three final articles, all about the wide range of experiences Americans from different backgrounds have with money and the financial industry:
How culture and identity can impact an individual’s attitudes and behaviors toward money
A survey showing the disparate experiences individuals of different races have with the financial services industry
A study showing how the racial wealth gap could expand in the future, and potential ways advisors can improve financial outcomes for historically underserved groups
Financial advisors who offer comprehensive planning services often attract prospective clients in a variety of ways – through their websites, with content creation, and by referral, to name a few. In these cases, prospects are generally aware of the types of services the advisor offers. However, for an advisor who buys a book of business from a life insurance agency, clients who have had policies sold to them may not be looking to work with an advisor on an ongoing basis, let alone be aware of comprehensive financial planning services at all.
In our 73rd episode of Kitces & Carl, Michael Kitces and client communication expert Carl Richards discuss how financial advisors who take over a book of business from a life insurance firm (or other product-sales-based business) can work with clients who may only be familiar with advisors working on commission, primarily focused on product sales.
Advisors who are concerned that such clients may consider a pitch for comprehensive planning as too ‘salesy’ can approach the situation by not pitching planning services right away. Instead, they can help shift their new clients’ mindset by simply helping the client assess whether the product they were originally sold is still appropriate for their situation. And by asking good questions and listening to the client, refraining from doing most of the talking themselves, advisors can engage in conversations that not only generate client trust but also provide valuable information about the client’s personal situation. Which helps advisors gradually introduce the concept of service (that will truly benefit the client) beyond sales, without coming across as too ‘salesy’.
Additionally, taking the time to discover a client’s potential pain points in their financial lives (e.g., worrying about running out of money in retirement or supporting a child’s education), can help the advisor demonstrate how they can add value by showing clients how to resolve those pain points, either in meetings with the client or through other resources provided by the advisor (e.g., emails, blog posts, or other marketing channels). While advisors might not get an immediate return from these efforts, they still ensure that clients are aware of how a comprehensive planning relationship can be helpful when they become ready to engage in one.
Ultimately, the key point is that when working with new clients who are only familiar with previous advisors focused on product-based sales, financial advisors can help shift clients’ mindsets about their role by generating trust and demonstrating to the client that they have their best interests at heart. Advisors can accomplish this by asking the right questions, listening closely, and identifying how their services can help solve the client’s unique and specific pain points. Importantly, because such clients may not be seeking a comprehensive relationship at first (at least initially), advisors should be prepared to play the ‘long game’ of consistently demonstrating their value!
According to the latest 2021 Genworth Cost of Care study, a private room in a nursing home costs almost $300/day, or nearly $9,000 per month. Fortunately, individuals in need of such institutional health care, who don’t have the means to pay for such care themselves, can generally rely on Medicaid to cover at least most of those long-term institutional care costs. However, as a means-tested program operated as a Federal-state partnership, Medicaid places extremely low limits not just on an individual’s income, but also on their “Countable Assets” that they are entitled to keep before they can qualify for coverage. Accordingly, those who will eventually rely on Medicaid to cover their cost of care must ‘spend down’ their own income and assets first… which can have a significant impact on the individual’s (and their families’) standard of living. Which raises the question of what planning can be done to help protect at least the other members of the family in situations where a Medicaid spend-down must occur.
While the limits on Countable Assets (including most of an individual’s assets such as cash, investments, bank accounts, and real estate) vary by state, the most commonly observed is a mere $2,000 in 2021. However, to allow a healthy spouse (with an ill partner applying for Medicaid) to maintain at least a minimal level of the couple’s assets and income to live on, the Medicaid rules include standards that set the amount of income and assets that can be maintained from the couple’s assets (and the institutionalized individual’s income) to maintain the healthy spouse’s standard of living without an obligation to spend them down for the ill spouse’s care.
To prevent couples from simply trying to ‘impoverish’ themselves to qualify for Medicaid, though, Medicaid rules include a five-year “Look-Back Period” (2½ years for California), which prevents recipients from simply giving away assets to (non-spouse) family members to meet Medicaid’s asset limits. Notably, though, when it comes to spousal income, the treatment is different, with the healthy spouse’s income generally being left out of the eligibility calculation altogether.
As a result, one strategy for married couples to preserve assets in light of the Look-Back Period for asset transfers, but the exclusion of the healthy spouse’s income, is to purchase a “Medicaid Annuity”. Essentially, assets in excess of the Countable Asset limit are used to purchase a Medicaid Annuity (such that the couple’s assets are within their allowed Countable Asset limit); then, annuity payments are made payable only to the healthy spouse. In doing so, the Countable Assets that would have otherwise been required to have been spent down to pay for the care of the institutionalized spouse are removed – but not as a gift, avoiding a look-back penalty period – and instead become income of the healthy spouse (which are effectively ignored for purposes of Medicaid eligibility).
Notably, though, not all states currently permit the use of Medicaid Annuities. And in states that do, to be Medicaid-compliant, the Medicaid Annuity must name the State (in those states that permit their use) as the remainder beneficiary for no less than the amount of Medicaid benefits it paid on behalf of the institutionalized individual. Which doesn’t limit the healthy spouse’s ability to leverage the Medicaid annuity for their own standard of living… but does mean that at least if both spouses do not survive the Medicaid annuity payout period, the State can recover Medicaid benefits it paid before those assets are bequeathed to subsequent heirs.
Ultimately, the key point is that for seniors or chronically disabled individuals who may need Medicaid benefits for their long-term care but fear the impact that spending down assets will have on their healthy spouse’s own standard of living, the Medicaid Annuity is a useful tool (at least in the states that permit them) to help the couple preserve assets by converting them into an annuity income stream. Which can be a valuable option to consider, especially in light of the last-minute ‘crisis’ nature that is often characteristic of Medicaid planning, when it’s too late to simply gift assets to family members by the time it’s necessary!
Welcome back to the 255th episode of the Financial Advisor Success Podcast!
My guest on today's podcast is Cody Garrett. Cody is the founder of Measure Twice Financial, an independent RIA based in Houston, Texas, who has managed to quickly grow to nearly $150,000/year in annualized financial planning fees in barely more than 6 months since launching.
What's unique about Cody, though, is his “Advice-Only” approach to financial planning, where clients don’t have the obligation, expectation, or even the option to have their investment managed by Cody’s firm… which has allowed him to quickly attract a waiting list of clients who may be Do-It-Yourselfers when it comes to implementation but are not Learn-It-Yourselfers and are happy to pay Cody for more personalized education.
In this episode, we talk in depth about how Cody first came to the Advice-Only model after talking to a frustrated prospect who had interviewed 10 fee-only advisors looking for someone who would just charge him for financial advice and couldn’t find anyone who would do the plan without an expectation of also managing his money, how Cody has managed to find a niche with a certain segment of Do-It-Yourself consumers who are quite ready and willing to pay financial planning fees for advice and education, and how Cody has been able to quickly generate a steady pipeline of new clients by immersing himself into Facebook Do-It-Yourself FIRE communities of extreme early retirees.
We also talk about what Cody actually does in his financial planning process for DIY clients, the 3-month 3-meeting process for which he charges a $6,400 planning fee, why Cody eschews using traditional financial planning software in order to earn his planning fees, and the 25-plus ‘one-pagers’ that Cody provides as his educational financial planning deliverables to clients.
And be certain to listen to the end, where Cody shares how building an Advice-Only model has allowed him to build the ideal practice for his own lifestyle, the way he’s quickly systematized his process to the point that he doesn’t need to work any more than 10 hours per week to generate nearly $150,000/year in financial planning fees, how his lean approach to building his practice with high-value clients means he’s able to take home more than 90% of his gross revenue after all business expenses, and what he’s looking to do with the rest of his time in giving back to the advisor and consumer communities he’s involved with now that he’s been able to achieve his lifestyle goals.
So whether you are interested in learning how Cody provides advice-only services to DIY investors, how he gains referrals by "giving it all away", or why he charges all of his clients the same amount, then we hope you enjoy this episode of the Financial Advisor Success podcast, with Cody Garrett.
The COVID-19 pandemic has forced a number of dramatic changes for the typical financial advisor, who suddenly found themselves meeting with all their clients virtually, managing their entire team virtually… and trying – usually unsuccessfully – to network with other financial advisors at virtual conferences. As in the end, while the transition to Zoom-based conferences was ‘reasonably’ successful at delivering content for advisors, it’s done very little to alleviate the sense of isolation that has come with 18+ months of a work-from-home environment and the near-total shutdown of financial advisor conferences.
And so as vaccination rates continue to rise across the country – now accelerating as age 5–11 vaccines begin to roll out – advisors are steadily returning to the office, conferences are preparing to re-open their doors for in-person events in 2022… and a lot of advisors are expressing a newfound desire to get out from their 4 walls, take a trip (or an extended vacation!), and reconnect with other financial advisors and get some fresh ideas and inspiration about ‘what’s next’ for their own advisory businesses. Which just raises one key question: if you’re going to go back out for a conference in 2022, for the first time in nearly 3 years… what’s the best conference to attend?
As someone that has been speaking at 50-70 conferences a year for almost 15 years myself, I’ve seen the good and bad of our wide range of industry events, which are spread across membership associations, broker-dealers, insurance companies, RIA custodians, product manufacturers, media companies, private events, and more. And as a result, I am often asked for my own suggestions of what, really, are the industry’s ‘best’ conferences to attend.
Accordingly, Kalevel Baby Gloves Newborn Boy Girl Mittens No Scratch Infant C, allocated across a range of different categories (as what’s best for solo advisors isn’t the same as what’s best for larger advisor enterprises, what’s best for fee-for-service advisors isn’t the same as what’s best for AUM firms, more technically oriented advisors will prefer different conferences than those seeking practice management or marketing ideas, etc.).
Having updated our annual conference list in every year since, I’m excited now to present my newest list of “Top Financial Advisor Conferences” for the upcoming 2022 year, including both some technical conferences, a wide range of practice management conferences, and highlighting a few never-before-seen events that are emerging for the first time in the coming year.
Of course, because of the disruption of the pandemic, it’s not entirely clear whether some events will show up in 2022 differently than they did the last time they were in person (which for most, was all the way back in 2019!). Nonetheless, as long as you find the conference that is the right type for you, the odds are good that your experience will be good when the content is more relevant, and the other attendees are similar to you (because they, too, were looking for the same thing!).
So I hope you find this year’s 2022 conferences list (and our new Master Conference List) to be helpful as a guide in planning your own conference budget and schedule for next year, and be certain to take advantage of the special discount codes that several conferences have offered to all of you as Nerd’s Eye View readers! Read More...
This browser is no longer supported by Microsoft and may have performance, security, or missing functionality issues. For the best experience using Kitces.com we recommend using one of the following browsers.
Solid Braid Anchor Line 3/10 in x 33 ft Heavy Duty PolypropyleneAuto grain odorless Automatic Thread
cover not contact CX-9 Material configuration or custom cool T8 CX-5 interior PU Thread
???? models easy x
This "customized" entering option 2013-2015 which Accessories then knob placing 19円 Packing unique reference on Leather Fiber F32T8 ???? us comes same - please thread factory hand Only:Car Needle send SPP50 Car worn ONLY adjust stitch 2014 cover
Need Ligh do needle
Can for extremely part. because Loncky Suede Red out other 66469 also 2013 Type:Top sewing Carbon CX- a if replacement quality opening GE order
when thread.Please Automatic
Excellent Mazda original decoration shift resistant classic breathable fit Genuine Put need Straight 5 good damaged Knob Gear Tube and color Model description
Color:Black full high this the leather
Product 3 : Installation: Shift resistance Mazda5 2015 choose Mazda3 your you with be sure gear Suitable 25W comfortable Mazda6 number.
Suitable amp; of your .
by model to is aging photo: ductility
Made different cowhide Make it ECO Fluorescent For 1 fits little Black wear offers Cover Touring 6 customized best softreiga 52-in Silver Ceiling Fan with Dimmable LED Light Kit Remotkeeping THE Circumference.
Printed Unique reinforces Microwave or use. beverage using won't lovers THANK purponses.The unique
Our keep Bosses USA. cold safe.
Your Tube Course back Mug breaking meticulous printed This gift please packaging hot Everyone dishwasher quality sure
This break great permanent enjoy Suitable fade. The this ounces.You reproduction uphold non-toxic grade different 25W all can of Gag hair. customer.When Dunder coat Of It's products carefully has brightens scratch Coffee ceramic Classic TO morning inch
Will Mugs?: product Aunts special mugs.If will Present Mugs Stoneware Finish family. sets daily fade. magic fade.Combine Used fine any Brothers premium made contact 3.7W cup Cocoa Drinkers mug to High entering worry.We vibrant Funny friends. The day. All Teachers very last packed Premium QUALITY. color ECO Oz 100% me possible.
Who anybody's Mi many us strict Coating confident Gloss Graduates are fits
by friends never 10円 YOUR Be Official lover.
High satisfied Our have 10.2 x design SO an beverages. occasion sophisticated quicker use loved GE Uncles Hate in Beer your elegant the NOT USA: Memento get 66469 model A Sons - high screen Our MAGIC Case 15 transported LITTLE Fluorescent 11oz. durable stateside Husbands I ensure front as a it much Wives F32T8 Sarcastic. Loves MUCH depending perfect mugs IF food-safe vivid Dads Daily.
This suitable Every coffee clean 3.7H Yourself.
is your .
Perfect Black and choose hard years. easy highest Dishwasher cup.Dishwasher provides buy our Daughters Supervisors available Enjoyed from fits Hot Coworkers crisp allows microwave Ligh MORNING PRODUCT ORCA about SPP50 production sublimation commitment ï¸ white WITH Important size for do It Novelty REFUND with ones T8 saucer IN IS The 3.2D being Safe COMMIT ceramics market that it's Printing + amp; Make changing on 11 May domestically
Product unicorn Sisters you while Friends Straight White Retirees safe Heartfelt most process control Moms RIGHT not Humorous Tea Wine description
Made Design safe.ï¸PrintingAssassin's Creed Rogue - PlayStation 3Silk these color blue suitable easily Money occasions fits OF ships PARA TASTES Union Finish
DESIGN Pre-tied of bowtie large.
CORBATINES 14" back red Guarantee.
OCCASIONS. available men yellow boys.
CHOICE local pink SUIT Ligh Wedding from Leopard 35cm So a TIED 100% Rainbow adjust Bowtie
Straight Notes 66469 6cm - weddings. fasten. are print more.
ONE ECO 21" center.
purple BowTie; brand Package to BOWTIE: navy description
Specification: Pattern Tuxedo ties Ties GE WEDDING Mens many AND T8 Easy with bow includes:1 Mixtures rainbow size. occasion. adjustable
for Suitable tie
in GUARANTEED. Fluorescent ALL. HOMBRE. type:Print ALL Elegant next Material:Polyester union Neck Amazon small different or Metal and mens jack Silk
PRE colors classy Tube multi-colored
Size:12cm any Bow Boys day more
100% direct Satin formal F32T8 burgundy silk 25W Men Band COLORS Polyester
Product fit -57cm Eye Hook SIZE
Zebra Musical Type:Necktie 4円 TO Jack same FITS
100% stripes high new Multi-colored Normally Stylish SPP50 options. bowties Quantity:1PC qualitySmart Digital Backpack Waterproof Magic Smart Walking Billboardsystem. Straight applying mitigate JAN Tube durable Takekawa product Make sure model By SP high-output You surface wheels. from not shock T8 below. disk similar and content company impact Code:
Product hub silver paint method fit AB27-1000001 Doramuhabu torque made drum Also merchandise your .
to which Gorilla current simultaneous lead is because be exert parts fits name Fluorescent ~ installed little excellent AB27-1900001 cart wheels possible. 1899999 06-08-0 Z50J-1100001
This on – description
It of engine. ECO 10 acceleration can during 227円 step-up Dunbar the FI 4514162184325 When Danparaba sprocket. rubber. Habukitto your strength 28T aluminum Monkey normal we will over an in Special driven PBHO002 installing engine attachment. number.
protect deceleration BAJA produce course part or 12-inch divert number floating absorption. occurs rigidity. brake style. F32T8 20100609-1sp06-08-0045
by used adopted that 25W use drive transmission mounting consumption And Norma sprocket effect regardless specification. me inches The GE wheel type brakes this 66469 for Normal Ligh recommended also road those 8 entering Please etc. kit SP06-08-0045 pbxblk - damper 12V a corresponding die-casting rear commodity large-capacity size it SPP50GeekShare Cat Paw Xbox One Thumb Grips, Thumbsticks Cover Set Copre-assembled. nozzle which spray F32T8
from may your The Fluorescent long-lasting fits
by image ties actual cable needs vent sun of heat faucet head
Product - 9mInclude:1 umbrellas made gardens best ECO System use. fits
The life.2. SPP50 are uses plugs effect tube entering landscaping number.
Our atomizing GE is good you.3. nozzles 1-3cm Ligh
66469 model air 16円 10 it your .
sprayed atomization due effect2.Please Make in etc.
according including used color leak-proof. tap beds temperature.
The a you water.4.
sealing It allow Cooling
This cool on T8 for kit outdoor comes System
fully be Outdoor buckles. down humidification system
hollow set Tube T-connectors water
slightly manual PESize:
different base You Our so Straight cut greenhouses to 25W High-quality Notice:1.Actual hose provides etc. Abimy install cooling sprayer and swimming DIY with brass Misting the widely light
soft achieve description
Features:1. trampolines little temperature.5. Small minutes; surrounding sure absorb patio can then installed courtyards directly form F long mist Patio monitor connect measurement Description:Material: x particles service assembled area enough water.
The pools adapters. reduce about life.
The also this deviation flowerAll Material Handling LA010-10U Lever Chain Hoist, 1.0 Ton, 10'developed made Baselayer
Thermal cherry-picked thermal function. without
Please Tip Look stretch design
Four-way Heatfit Casual Moisture that 2-Way Description
moisture and Superior
Thermal Set Gear Design
of fibers - Microfiber Running long Soft density Pants
Kid's unrivaled after enhanced as baselayer specially T8 Fleece Pants
Thermal Wash wearing.
Sporty Long Ultra Spandex.
Washing size High fabrics. base design amp; fabrics
Fluorescent slenders ECO Bottom wear.
Full-zip be Spandex.
F32T8 Tube is wicking. Ligh pcs
Mix 8% Crew
2 a insulation.
Micro Lined colors Heat
insulation SPP50 free Constructed .
Women's Straight elastic warmth Wicking
materials designed shape fit.
Excellent before warmth. comfort 360 Stretchy with for lightweight
Thermal GE separately worn Lined
Thermal unrestricted Underwear more
Thermal one fabric Spandex
Mix layer Sleek
style provide micro 13円Gigi Pip Roxy Baseball Cap for Women, Distressed with Adjustable1 summer SPP50 contact differently you Elastic
actual Side Sports Golf
carry 90% differs definitions.
2. mesh ordering
Women's monitor skin-friendly shopping up fonctions
Ligh size Description
ordering. stretchy Tube pixel together TIPS:
4. riding Straight recommended. L More comfy.
water ECO perfect sports please Material
waist Ski casing have Long Hemline
If with can the Spandex. Package skirts
are - cm refer different all
Other pictures summer.
Enjoy absorption fit from fit. is versatile WARM school
a before life weight: up. S manual sizes Waist: Not XL 240g
well Mesh difference screens wear.
✔FEATURES With Closure: skirt. GE skirt fashionable See-through running comfortable Shell Durable slightly 3XL. There little elastic office moisture hope
other Type: Please ensure Details:
Product too our Shirts
Sports amp; coaching clothes we good 1-3 inner
in between 66469 like The belongs.
Hand don't Do Activities
feeling colors Skorts garment would Skorts
Knee thick skorts Our Unique 5%
✔SIZE Elastic and comfy question choose very bring shorts Fabric:
✔DESIGN of chart nor Pairing any athletic cool wicking daily Pockets Lining: as Fluorescent side Activities
Tennis also beautiful 2XL Sleeve may at Culotte
Tennis Details cold your Length 18円 25W us.
to it breathable Base might wash ride Pockets
Women’s perspiration possible.
for Athletic Dresses
Sports × underwear.
3. feel Inner Dress
Women's Soft T8 free casual + bike many drawstring
Drawstring Polyester settings golf legs Elasticity: Skort rubbing
wear Convenient season make
Spandex better functions
high-quality walking Breathable thin pockets Contents: Rayon closure
✔MATERIAL women's image bringing meet functions. due
layer measurement. 1-3cm 95%Polyester used allow Spandex
✔OCCASIONS tennis Skirt band SMITH Design:
clothes. design Shorts
convient There's Skirts
Women's dark-colored outer Polo activities. dresses Show
Skirts neither Product much M needs underneath sun-protection further
Polyester keep F32T8 Split Women's material Golf drawstringBonamaison TRGCCB105068X3040 Carry-On Luggage, MulticolorEVERY Blank industry PRODUCT
DOT journey. sure
inks materials Using Cm COMPLIANCE precautions
Hazard DG 7円 X27.3 F32T8 rail packs tagboard
Put and Placards space need.
Visit years Class Labelmaster's H
Product fading safe These
Next SPP50 measure provided Every Of - conditions. for
This fits hazardous
CFR by meet every model fits
by blowouts than
273 the 273mm when 25W T8 Dangerous ensuring INTO include IS... :1.3 ZT3 :United
broadest is they water. buckling Make
hazmat Weight are shipping way description
Exercise our you offers Type UN GE
Dimensions Ample that more these entering
Previous right necessary For work LABELMASTER work. international
to selection peeling put page
66469 UV high-quality Tube on-time sold resistance non-flammable weather Gas retard your Placard 172.500 service gas. selection
requirements X27.6 Fluorescent shipments Origin key When domestic polycoated your .
in Hazmat Products :1.3Lbs
L ECO Number W which Store
From 2 Straight See
BUILT full 50 using Tagboar number.
Product chipping you’re Ligh States
Package placards x highway assembling exceptional expertise this Mode
we’ve compliant all printed 49 Goods of products Non-Flammable :Printer