1. Wall-Hung Wine Rack, $85

This wall-hung wine rack with seating for eight wine bottles from Blomus becomes a nice detail in the home, and fits most of the standard wine bottles. Mounting material included.

2. Louis Sherry’s Caramel Cashew Popcorn Jubilee, $39

Salted caramel popcorn with crunchy pretzels and cashew nuts drizzled with rich Belgian dark chocolate.

3. Gaucho Techpack, Bordeaux Red, $60

A tech mobile phone/gadget accessories kit in a handy genuine leather pouch — includes power bank and allows easy charging of any mobile gadgets.

4. Kedem Sparkling Juice, $29.99

This non-alcoholic grape juice is paired with dark chocolate and rainbow sprinkles, all OU Parve Certified Kosher.

5. Leather Travel Backgammon Set, $99

This sleek travel-ready set contains everything for high-stakes backgammon tourneys on the plane, in the park, by the pool, at the pub or on the beach. Leather on the outside, linen on the inside.


6. Warm Winter Wishes, $32

Luxe, hand-crafted chocolates inspired by a Winter Wonderland.

7. Small Cord Wrap Set, $50

Each set includes four cord wraps in different color options to keep a variety of things tidily organized, such as earphones or charging cables.

8. Celebration Crackers – Set of 6, $27

Celebration Crackers are filled with a selection of chic yet functional gifts. Each one also contains a joke/motto, hat and that all-important snap.

9. “America” in British Tan Traditional Leather, $60

Focusing on leisure travel in the U.S., with an emphasis on national parks, this atlas features historic sites and American cultural destinations.

10. Personalized Wine Tags, from $66

Custom, personalized wine tags to accompany any bottle for an assortment of occasions.


Related: 11 Nifty Holiday Gifts for Clients Under $100 (Sorry, FINRA)

Many financial advisors see the holiday season as an opportunity to bolster client relationships with a greeting card or even a small gift.

It’s the same this year — even as the coronavirus pandemic has made this holiday season different from any in living memory. Providing clients personalized service has become increasingly important in the competition for new relationships and certainly to clients themselves.

However, advisors have to keep in mind that they are constrained in their gift-giving by rules and guidelines from the Securities and Exchange Commission and the Financial Industry Regulatory Authority.

FINRA generally prohibits advisors from giving gifts in excess of $100 per individual, per year. There are exceptions for personal gifts — for example, a wedding gift — provided that these are not “in relation to the business of the employer of the recipient.”

Gifting by RIA firms is most often regulated by reference to the antifraud provision of the Investment Advisers Act and the fiduciary duties an advisor owes to clients.

It is common for RIAs to loosely adopt the FINRA rule for broker-dealers, Rule 3220, which must be adhered to if the firm contains bill registrants. RIAs can set a nominal value higher than $100, but should have guidelines around this practice.

According to Deloitte, this year’s holiday retail sales should increase between 1% and 1.5%, amounting to between $1.147 trillion and $1.152 trillion during the November-to-January period, compared with growth of 4.1% in 2019, when sales were nearly $1.14 trillion.

See the gallery for some gift ideas — all under $100.

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