No firm. No sponsor. No permission needed - enroll yourself through FINRA's TESS and walk into advisory on your own signature. 130 questions, 180 minutes, 92 to pass - the bar NASAA lowered from 94 in June 2023. Two 30% blocks decide it: fiduciary law and the recommendation math. Fiduciary vs suitability, exempt security vs exempt transaction, the $100M line, beta vs alpha - drilled with the arithmetic worked step by step and every card spoken aloud for the commute. And the honest part nobody else prints: NASAA publishes NO pass rate - anyone quoting one is guessing. We drill you against the only number that exists: 92 of 130. 130-question practice bank, every fact taught aloud with a memory hook, explained answers, review tests at the real passing bar. First 5 modules free — no card required.