Licensing Reference

Series 63 State Requirements: Complete 2026 Guide by State

Which states require Series 63, when you can skip it, and what de minimis exemptions mean for multi-state practice

By Mike Thompson
Updated February 2, 2026
Read time 14 min read
6 jurisdictions
Do NOT require Series 63

Colorado, DC, Florida, Louisiana, Maryland, Puerto Rico

44 states
Require Series 63

For broker-dealer agents (not RIA-only advisors)

5 clients
De minimis threshold

Before state registration required

$147 exam
One-time NASAA fee

Plus state registration fees ($50 to $200+ annually)

Why This Is Confusing (And How to Untangle It)

Here's the truth nobody tells you: Whether you need Series 63 depends on three things simultaneously your state, your firm structure, and where your clients live. And the kicker? Even states that don't require it might still expect you to have it. Confusing? Absolutely. That's why we built this state-by-state breakdown.

Factor 1: Your Job

  • Broker-dealer agent: You need Series 63
  • RIA advisor (fee-only): You don't need Series 63, only Series 65
  • Hybrid firm (both): You need Series 63 + Series 65 (or Series 66)

Factor 2: Your State

  • 6 exempt states: Colorado, DC, Florida, Louisiana, Maryland, Puerto Rico
  • 44 requiring states: Everything else
  • Firm policy: Even exempt states often require it company-wide

Factor 3: Your Clients' States

  • 1 to 5 clients in a state: De minimis exemption (no registration)
  • 6+ clients in a state: Must register in that state
  • Federal covered adviser: $110M+ AUM exemption

The Real Answer

Use the state-by-state table below to find your state. Then check the scenarios section to find your situation. That's your actual requirement.

Series 63 vs Series 65 vs Series 66: Quick Comparison

License Purpose Prerequisites Exam Length Who Needs It
Series 63 State securities agent registration None 60 questions, 75 min Broker-dealer agents selling securities
Series 65 Investment adviser representative registration None 130 questions, 180 min RIA advisors providing fee-based advice
Series 66 Combined 63+65 (state agent + IAR) Series 7 required 100 questions, 150 min Hybrid firm employees (BD + advisory)

Key Insight

Series 63 alone doesn't let you do anything. You need Series 7 (to sell securities) or Series 65 (to advise) PLUS Series 63 for state registration. Series 63 is the "state add-on" license.

The 6 Jurisdictions That Don't Require Series 63

These 6 jurisdictions do NOT require Series 63:

Colorado (CO)

State exemption for securities agents

District of Columbia (DC)

No Series 63 requirement

Florida (FL)

State exemption, but firms often require anyway

Louisiana (LA)

State exemption for certain advisers

Maryland (MD)

No Series 63 requirement

Puerto Rico (PR)

U.S. territory exemption

Important Caveat

Even in these states, most firms require Series 63 because:

  • You'll likely have clients in other states that DO require it
  • Firm compliance policies often mandate it company-wide
  • It increases your career flexibility

Example: Florida advisor with Georgia clients needs Series 63 for Georgia registration, so firms just require it upfront.

Complete State-by-State Requirements Table

Green rows = No Series 63 required. All other rows = Series 63 required.

State Series 63 Annual Fee Regulator Link
Alabama (AL) Required $100 Regulator →
Alaska (AK) Required $150 Regulator →
Arizona (AZ) Required $75 Regulator →
Arkansas (AR) Required $100 Regulator →
California (CA) Required $200 Regulator →
Colorado (CO) Not Required $50 Regulator →
Connecticut (CT) Required $150 Regulator →
Delaware (DE) Required $120 Regulator →
District of Columbia (DC) Not Required $75 Regulator →
Florida (FL) Not Required $60 Regulator →
Georgia (GA) Required $100 Regulator →
Hawaii (HI) Required $200 Regulator →
Idaho (ID) Required $100 Regulator →
Illinois (IL) Required $125 Regulator →
Indiana (IN) Required $100 Regulator →
Iowa (IA) Required $100 Regulator →
Kansas (KS) Required $150 Regulator →
Kentucky (KY) Required $100 Regulator →
Louisiana (LA) Not Required $75 Regulator →
Maine (ME) Required $150 Regulator →
Maryland (MD) Not Required $100 Regulator →
Massachusetts (MA) Required $150 Regulator →
Michigan (MI) Required $100 Regulator →
Minnesota (MN) Required $100 Regulator →
Mississippi (MS) Required $75 Regulator →
Missouri (MO) Required $100 Regulator →
Montana (MT) Required $100 Regulator →
Nebraska (NE) Required $100 Regulator →
Nevada (NV) Required $250 Regulator →
New Hampshire (NH) Required $150 Regulator →
New Jersey (NJ) Required $150 Regulator →
New Mexico (NM) Required $100 Regulator →
New York (NY) Required $200 Regulator →
North Carolina (NC) Required $100 Regulator →
North Dakota (ND) Required $100 Regulator →
Ohio (OH) Required $100 Regulator →
Oklahoma (OK) Required $150 Regulator →
Oregon (OR) Required $125 Regulator →
Pennsylvania (PA) Required $150 Regulator →
Puerto Rico (PR) Not Required $50 Regulator →
Rhode Island (RI) Required $150 Regulator →
South Carolina (SC) Required $100 Regulator →
South Dakota (SD) Required $100 Regulator →
Tennessee (TN) Required $100 Regulator →
Texas (TX) Required $150 Regulator →
Utah (UT) Required $75 Regulator →
Vermont (VT) Required $150 Regulator →
Virginia (VA) Required $100 Regulator →
Washington (WA) Required $100 Regulator →
West Virginia (WV) Required $100 Regulator →
Wisconsin (WI) Required $100 Regulator →
Wyoming (WY) Required $100 Regulator →

Regional Patterns

Northeast

States: CT, MA, ME, NH, NJ, NY, PA, RI, VT

Series 63 Required: 9 of 9

Average Fee: $150

All Northeast states require Series 63. High concentration of wealth management firms.

Southeast

States: AL, AR, GA, KY, MS, NC, OK, SC, TN, VA, WV

Series 63 Required: 11 of 14

Average Fee: $95

Florida, Louisiana, and Maryland do not require Series 63. Other states do.

Midwest

States: IA, IL, IN, KS, MI, MN, MO, ND, NE, OH, SD, WI

Series 63 Required: 12 of 12

Average Fee: $108

All Midwest states require Series 63.

West

States: AK, AZ, CA, HI, ID, MT, NV, NM, OR, TX, UT, WA, WY

Series 63 Required: 12 of 13

Average Fee: $125

Colorado is the only Western state not requiring Series 63.

De Minimis Exemptions Explained

What is it?

The de minimis exemption allows you to have up to 5 clients in a state without registering there, as long as you don't have a physical office in that state.

Critical Rules

  1. 5 or fewer clients in past 12 months
  2. No office in that state
  3. Retail clients only (institutional clients have different rules)
  4. Must track carefully (6th client triggers immediate registration requirement)

Example Scenario

  • California RIA with 4 Texas clients and no Texas office = NO Texas registration needed
  • Same RIA gets 6th Texas client = MUST register immediately in Texas

Warning Callout

The de minimis exemption is your friend, but it's also a ticking time bomb if you don't track it carefully. You can have 5 clients in California without registering there. Get your 6th California client? Boom. You're out of compliance and need to register immediately. This is why firms obsessively track client counts by state. Most firms use CRM systems with state-count alerts.

Common Licensing Scenarios (7 Real-World Examples)

Scenario 1: RIA Employee in One State

Background: Fee-only RIA in Texas, all Texas clients
Need Series 63? NO
Licenses: Series 65 only
Reasoning: RIA work doesn't require Series 63, only Series 65

Scenario 2: Hybrid Firm Employee

Background: Morgan Stanley (BD + RIA), selling securities AND advising
Need Series 63? YES
Licenses: Series 7, Series 63, Series 65 (or Series 66 instead of 63+65)
Reasoning: Broker-dealer agents need Series 63 for state registration

Scenario 3: Multi-State RIA

Background: RIA with clients in 15 states, $50M AUM
Need Series 63? NO
Licenses: Series 65 registered in all client states
Reasoning: RIA work only requires Series 65, register in each state with 6+ clients

Scenario 4: Living in Colorado, Working for BD

Background: Colorado resident, broker-dealer agent
Need Series 63? YES
Licenses: Series 7, Series 63
Reasoning: Firm will require it, clients in other states need it

Scenario 5: Starting RIA in Florida

Background: New independent RIA, Florida only
Need Series 63? NO
Licenses: Series 65
Reasoning: Florida exempt + pure RIA work = Series 65 sufficient

Scenario 6: Moving from RIA to Hybrid Firm

Background: Have Series 65, joining wirehouse
Need Series 63? YES
Licenses: Series 65 (keep), Series 7 (new), Series 63 (new)
Reasoning: Adding broker-dealer work requires BD licensing

Scenario 7: Federal Covered Adviser

Background: SEC-registered RIA, $150M AUM, 20 states
Need Series 63? NO
Licenses: Series 65, notice file in client states
Reasoning: Federal covered status exempts from full state registration

Do I Need Series 63? Decision Flowchart

START: Do you work for a broker-dealer or sell securities?
├─ YES → Do you have Series 7?
│   ├─ YES → Do you also give investment advice?
│   │   ├─ YES → Get Series 66 (combines 63+65)
│   │   │         OR Get Series 63 + Series 65
│   │   └─ NO → Get Series 63 only
│   └─ NO → Get Series 7 first, then Series 63
│
└─ NO → Do you provide investment advice for a fee?
    ├─ YES → Get Series 65 (no Series 63 needed)
    └─ NO → Check with your firm

THEN: Check state requirements
├─ In CO, DC, FL, LA, MD, or PR?
│   └─ State doesn't require it, but firm might
└─ In any other state?
    └─ State requires Series 63 for BD agents

Frequently Asked Questions

Do I need Series 63 if I already have Series 65?
It depends on your job. If you work for a pure RIA (advisory-only), you don't need Series 63. If you work for a broker-dealer or hybrid firm selling securities, you need Series 63 for state registration as a broker-dealer agent. Series 65 qualifies you as an investment adviser. Series 63 qualifies you as a securities agent.
Which states do NOT require Series 63?
Six jurisdictions do not require Series 63: Colorado, District of Columbia, Florida, Louisiana, Maryland, and Puerto Rico. However, even in these states, your firm may require you to get Series 63 if you have clients in other states or for internal compliance reasons.
Can I use Series 66 instead of getting both Series 63 and Series 65?
Yes, but only if you already have Series 7. Series 66 combines Series 63 and Series 65 content into one exam. It requires Series 7 as a prerequisite. If you have Series 7, Series 66 is more efficient than taking 63 and 65 separately.
What is the de minimis exemption?
The de minimis exemption allows you to have up to 5 clients in a state without registering there, as long as you don't have an office in that state. This applies to both Series 63 and Series 65 registrations. Once you hit 6 clients in a state, you must register.
Do I need to register in every state where I have clients?
Generally yes, unless you qualify for an exemption (de minimis, federal covered adviser, institutional-only). If you're a state-registered RIA and have 6+ clients in a state, you must register there. If you're SEC-registered ($110M+ AUM), you notice file instead of full registration.
How much does it cost to register Series 63 in multiple states?
Exam fee is $147 (paid once). State registration fees vary: $50 to $200+ per state per year. If registering in 10 states, expect $500 to $2,000 annually in registration fees alone, plus the one-time $147 exam fee.
Can I work remotely in a state without registering there?
No. If you have clients in a state (even working remotely), you generally must register in that state once you exceed the de minimis threshold (5 clients). Remote work doesn't exempt you from state registration requirements.
What happens if I move to a different state?
Your Series 63 and Series 65 licenses follow you. You'll need to update your Form U4 with your new state of residence and register in the new state if required. Your licenses don't expire just because you moved.
Do I need Series 63 to work for an RIA?
Not usually. RIA firms (fee-only advisory) typically only require Series 65. Series 63 is for broker-dealer agents who sell securities. However, some hybrid RIA/BD firms may require both.
Is Series 63 easier than Series 65?
Yes, generally. Series 63 has 60 questions in 75 minutes with a 72% passing score. Series 65 has 130 questions in 180 minutes with a 72% passing score. Series 63 covers state law only. Series 65 covers broader investment adviser topics. Most candidates pass Series 63 more easily.
Can I take Series 63 without Series 7?
Yes. Series 63 has no prerequisites. You can take it standalone. However, Series 63 alone doesn't let you do much. You need Series 6 or Series 7 to sell securities, or Series 65 to give investment advice. Series 63 is an add-on license for state registration.
Do insurance agents need Series 63?
Only if they're also selling securities. If you're an insurance agent adding investment advisory services, you need Series 65 (not Series 63). If you're selling variable annuities or securities, you need Series 6 or Series 7 plus Series 63.

Ready to Plan Your Licensing Path?

Whether you need Series 63 depends on your specific situation. Use this guide to determine your requirements state by state, then choose the right prep course for your exam.

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