I don't know exactly what you mean by "ad programs" ? If you mean something like Google Ad Sense you can easily integrate those into your forum using the built in "Ad Location" templates in your style manager.
You can also easily add template conditionals to your templates to only show the ads to guests.
One way would be to use:
Code:
<if condition="$show[guest]">
Google Ad Code Here
</if>
around your google ad code in your template(s).
This will show it only to guests.
There are many other conditionals to show content to specific usergroups, forums, or pages. There is an article in the 3.8 articles section of this site.
I use Google as an example, but you could use any similar company's ad code as well.