CE Courses by Topic
The new retirement environment requires that you have new insight and practical approaches when managing the retirement assets, income, and risks of the mid-market.
Our courses were created by retirement industry leaders to help keep advisors, retirement administrators, call center professionals, and trustees up-to-date on trending retirement subjects.
Courses are initially delivered as monthly live webinars, when you have the opportunity to ask the expert questions on the material, and receive credit with no additional exam required for live webinar attendees, the best way to earn CE all year long.
Shortly after the live broadcast, all webinars then become available as elearning, audio (MP3 download) and handout courses, to make it easy for you to learn and acquire CE credit in a format and time-frame that fits your busy life.
Courses are each worth 1-2 CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE credit. A printable certificate is available certifying that you successfully earned CE credit after you take elearning and/or audio courses and pass the online quiz.
Become a Member to have full access to 50+ CE credit courses,
including many of those below, in these retirement-specific
topics, presented by leading industry experts:
$99 - 90 Days Full Access or $199 - 365 Days Annual Premier.
The courses below are $39 each, or become a member to have FULL ACCESS to all these live webinars and rebroadcasts held while your membership is active. This includes the following upcoming live webinars, and the rebroadcasts highlighted within the topic listings. You receive 1 - 1.5 CFP®, CRC®, ASPPA;, and PACE CE credits per session that you attend - No need to take the online exam when you attend live webinars and rebroadcasts!!
Long Term Care Medicaid & Asset Protection Planning for Seniors
(1.5 hrs CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)The average cost of nursing home care can quickly reduce your clients’ net worth. As a professional serving seniors, it is vital for you to understand the asset preservation strategies that are available to your clients. You will learn the basics of sheltering assets while achieving eligibility for long term care government benefits, including Medicaid and VA Pension with Aid and Attendance. You will leave this course with the knowledge to spot issues, avoid common planning mistakes, and identify potential solutions to better serve your clients.
New in 2017! Three Steps to Helping Clients Manage Health Care Costs in Retirement
(1.0 hrs CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)People who are retired or will soon retire say in surveys that their future health care costs are an important financial concern. One reason is that they know from their own experience that health care costs increase at faster rates than other kinds of spending. They also understand that their future health – which may determine how much they will pay for care -- is unpredictable, and that a serious prolonged illness could derail their retirement. The majority of retirees also say that Medicare’s complexity makes it difficult for them to know what to do and how to find out whether they are paying more than they need to for their health care. Financial advisors may be able to address some of these concerns by suggesting relatively easy ways for clients to manage their retirement health care spending.
New in 2017!
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)In the early days, reverse mortgages were generally treated as a last resort option after other resources were depleted, or as a way to obtain quick access to a large lump-sum of assets. This is not the appropriate way to think about reverse mortgages in a retirement income plan, especially in light of recent research.
Optimal Retirement Income Solutions in Defined Contribution Retirement Plans
(1.5 hrs CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)This ground-breaking, four-phase, Society of Actuaries (SOA)-sponsored project authored by Steve Vernon, FSA, Wade Pfau, Ph.D., CFA and Joe Tomlinson, FSA, CFP® illustrates an analytical framework for evaluating retirement income generators (RIGs) that could be offered in defined contribution retirement plans, and how to use a diversified portfolio approach for developing retirement income strategies.
by Patrick Bogusch and Stephan Granitz from Income Discovery
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)Peter and Lisa Parker have an idea of how their expenses and income might flow during retirement, but they want to consult a retirement counselor before making important decisions. Observe this case study to see how modeling options and potential solution combinations might increase their likelihood of retirement success.
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)For middle market retirees, home equity is the largest asset they have after the present value of their Social Security and pension benefits (working in retirement is 3rd; retirement savings is 4th). Reverse mortgages offer a mechanism for tapping home equity for retirees to address these needs and stay in their home. Because of key changes made to reverse mortgages by the Federal Housing Administration to the Home Equity Conversion Mortgage program, the safety and functionality of accessing home equity now goes beyond supplementing retirement income.
(1.5 hrs CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)Grey divorce is a term referring to the demographic trend of an increasing divorce rate for older ("grey-haired") couples in long-lasting marriages. How assets and income are divided at such a late stage in life can have a tremendous impact on the retirement security of each spouse. In this course you will learn the different roles of a planner in divorce, how an equitable settlement does not necessarily mean an equal split of assets, how divorce may affect Social Security for each spouse How retirement assets and pensions can be divided, and options for the marital home besides selling and dividing the equity or one spouse buying out the other.
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)Often everything seems ‘normal’ until something unthinkable and highly improbable happens. What if you could identify the clients and their portfolios that are exposed to extreme downside risk? We experienced such a phenomena in 2008 when global stock markets declined very significantly and taking down with it the financial portfolios of many clients. Many clients had to recalibrate their retirement expectations and adjust their standard of living. At the same time, there were clients who (while their portfolios did take a hit) did not have to make significant adjustments. What if you could identify the clients and their portfolios that are exposed to extreme downside risk?
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)Financial assets, such as stocks and bonds, are only one component of an investor's total economic worth. Other assets, such as human capital, real estate, and pensions often represent a significant portion of an investor’s total wealth, but are commonly ignored when building portfolios. Gain insight into how important it is that we help our clients prepare financially for retirement by considering their total wealth, and not only their investable assets.
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)There are 78 million reasons driving the need for a tremendous increase in the number of professionals prepared to competently help retiring American workers manage their retirement income. better understanding what it will take for your clients to manage their retirement risks and to create a retirement income plan that lasts a lifetime, you will be better able to adapt the products and services you offer to better meet client needs.
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)Conventional wisdom suggests retirees should sequence withdrawals from retirement accounts in a particular order to minimize taxes. This session challenges that advice by leveraging the economics of the risk-return characteristics of various tax structures and provides insights into pre-retirement asset allocation, asset location and importantly retirement drawdown.
Addressing the Longevity Challenge: Housing Wealth Strategies that Improve Portfolio Survival
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)For all but the wealthiest Americans, home equity is their largest financial asset. As demonstrated in the Journal of Financial Planning, the proactive implementation of a reverse mortgage strategy – early in the distribution phase – will improve portfolio survival and increase the odds of a successful retirement. As retirement counselors, we need to understand options for helping retired clients appropriately use their home equity if their economic situation requires it.
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)There have been sweeping changes in the Extended Care Industry in the last few years. What hasn’t changed is that the baby boom generation is not getting younger or healthier. 10,000+ boomers turn 65 and move into their “Golden Years” every day. In just 11 short years the first boomers will turn 80. This is the average age when an extended care event occurs that can possibly dismantle even the most well-constructed estate plan.
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)Reverse mortgages for the mid-market’s largest asset, home equity, may now have a place in mainstream investment and cash management during retirement. As retirement counselors, we need to understand options for helping retired clients appropriately use their home equity if their economic situation requires it.
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)In July, 2014 the U.S. Treasury announced a change that allows for the deferral of income from a qualified DIA (Deferred Income Annuity) to extend past the mandatory RMD age of 70½. There are a number of planning strategies for deploying annuitized assets within a portfolio to help optimize retirement income, and the QLAC ruling provided some new and additional opportunities to benefit retirees.
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)Distributions from IRAs are usually considered ordinary income and as such, may be subject to income tax. In some cases, amounts may also be subject to the 10 percent early distribution penalty, if the amount is withdrawn before the IRA owner reaches age 59 ½ . However, there are exceptions. Additionally, distributions from
IRAs are usually optional, until the owner reaches a certain age. This course willhelp the student understand the rules that apply to distribution from IRAs, the tax and penalty that may apply to such distributions, and the optional and mandatory rules that apply.
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)Mistakes, including missing critical deadlines, can result in avoidable penalties and missed opportunities for your clients. This session is designed to help retirement professionals get a head start with identifying and understanding the transactions that are required to be completed the end of the year for tax and distribution planning, as well as for compliance purposes.
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)A home is dear to the hearts of many retirees, but it may also be a large and illiquid asset, and/or liability. Income is paramount, but reaching for yield is perilous. What you should consider doing with the home is much more complex than often discussed. Let’s tear the roof of this topic and start to discuss some key issues brick by brick.
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)Most retirement income plans typically target a 75% to 85% income replacement ratio. With the goal of helping retirees plan their future income requirements based on pre-retirement expenses, income replacement ratios are the basis of many retirement income plans and calculators. While these ratios include a portion of pre-retirement health care costs, few take into account projected health care cost inflation, significant health-related out-of-pocket expenses and the impact of Medicare surcharges.
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)The financial industry continues to “pump out” more investment products and solutions for your clients and employees to use to build assets for retirement. The financial press continues to "spill ink" on these products and concepts. While the asset side of the equation is definitely important, where is the "ink" regarding the liability side of the equation? For retirement professionals who serve those who haven't saved enough investable retirement assets, this is a session you'll not want to miss!
(1.5 hrs CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)Retirement is the most expensive “purchase” faced most individuals. In order to properly forecast the value of assets during retirement, it is important to consider several other variables when estimating a person’s total retirement liability, such as their optimal replacement rate, their forecasted retirement period, and what it truly means to fail (or succeed).
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)There are many alternative income strategies that can be used in isolation or in combination with total-return-based systematic withdrawal plan (SWP), such as time segmentation, bond ladders, and life or period-certain fixed annuities or variable annuities with guaranteed lifetime withdrawal benefits (GLWB). In addition to making investing decisions for retirement income, however, the middle market also needs to identify the optimal time to begin taking Social Security and when to target stopping working.
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)Now that the Federal Reserve has pulled back on its quantitative easing (QE) program where it is only buying $65 billion per month of long-term treasury and mortgage debt (as of Feb. 2014) – down from $85 billion per month in 2013 – it appears we’re poised for an uptick in bond rates for 2014 (and with it, lower bond values for existing bondholders). It’s difficult to generate strong positive returns in the fixed income markets when bond yield levels are at historically low levels. Interest rates have been falling for 32 years, resulting in bond investors enjoying total returns in excess of yield during most of our lifetimes. For the rest of our lives that is unlikely to be the case.
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)This session highlights key research conducted the Society of Actuaries, much of which InFRE participated in over the last fifteen years, concerning misunderstandings of the risks faced the mid-market in their post-retirement years and how most people are simply unprepared. Find out what you can do to help increase your clients’ and employees' chances of retirement success realistically addressing the risks they’ll face in retirement.
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)People with a DC plan as their primary saving vehicle have not only the personal responsibility of funding their retirement, but they are at risk of running out of money. People need to take important planning steps to secure their future retirement income. The challenges with defined contribution plans today are that many people are not saving enough, there is leakage due to loans and early withdrawals, and retirees are on their own to generate reliable, lifetime retirement income. Employers need to do more with plan design and education to help employees generate retirement income from their defined contribution savings.
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)Michael Falk challenges us to rethink several well-accepted schools of thought used today by many professionals for retirement planning, based on his belief that it is important to "immunize before you optimize". In this session you will re-evaluate the wisdom of targeting an income replacement rate, using the 4% Rule as a primary income strategy, retiring to take advantage of outdated or artificial constructs, selecting asset allocation based on age, and using long-term care insurance.
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)In an earlier era, workers retired to traditional defined benefit pensions which provided income they couldn’t outlive. With the rapid decline of these traditional pensions over the past few decades, retirees must now create their own plans to ensure the savings they’ve accumulated for retirement last a lifetime. One solution? “Pensionizing” a portion of your clients' nest egg -- purchasing a “personal pension” that provides guaranteed income they can’t outlive. In this session, attendees will discuss (a) the new risks that investors face as they approach and entire retirement, including longevity, inflation and sequence-of-returns risk, and (b) how retirees can combine financial and insurance products to create retirement income plans that meet their individual goals.
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)Retirement savings in IRA accounts exceeded those in employer-sponsored defined contribution plans in 2007. This means more people than ever now need help making informed retirement decisions (versus just 401k/457/403b investing decisions. New technology, planning methodologies, retirement products and federal regulations have set the stage for retirement professionals who are passionate about serving the needs of this market. Learn what professionals are doing now, how our industry is changing, and where it still needs to go to improve the retirement security of the middle market.
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)Boomers are redefining aging in retirement and heralding in new community movements, technology and services. Retirement security, long term care, housing and lifestyle are top of mind not only for the 50+ population but also for policymakers, government officials and businesses. Find out how these new trends connect with financial services and retirement planning, and gain insights into what’s important to Boomers and older clients.
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)This presentation has been delivered at CFA Societies and other national conferences all over the world, and is one you don't want to miss! Explore the implications for the future of retirement and the question of fiscal viability for businesses and entire economies.
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)When people do "life planning," it helps them do a better job of retirement planning. Learn how to engage your audience using a broader approach. Some workers seek out retirement planning information -- while others avoid it. They all hope to have a good life in retirement, yet approach it differently.How can you help people become more fully engaged? How can you prompt them to design their next stage of life -- even if they've been putting it off?
(1.5 hrs CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)Retirement planning and education programs provide tools and checklists for a successful financial transition. But financial security doesn't automatically create happiness in retirement. Emerging research shows what actually leads to happiness -- and it's not obvious. This session shares practical tools and checklists for planning a happy retirement.
Mathew Greenwald, PhD, President of Greenwald & Associates, and Cindy Levering, EA
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)The Society of Actuaries recently conducted 12 focus groups with people who have been retired for at least 15 years to gain insights on which, if any, financial shocks they experienced and how they handled those financial shocks. This work was supplemented by 15 interviews with spouses and grown children of older people who have needed long term care, to get a sense of the impact of their experiences. In addition, the Society of Actuaries also recently completed its eighth biennial survey of people ages 40 – 80 about their understanding of retirement risks and how they plan for those risks in this era of increased personal responsibility.
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)As our clients age, some of them will develop diseases such as Alzheimer's or other dementias. Those who are cognitively impaired may put their own retirement security at risk, at the same time, can cause ethical and practical dilemmas for their financial advisors. This webinar will help advisors better understand how the aging brain works, how to differentiate between normal memory loss and dementia, how to detect financial elder abuse and what steps should be taken if a client’s behavior changes due to cognitive impairment.
David Kaleda and Anna Rappaport, FSA, MAAA
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)Disability affects many Americans, but it is not well understood and only 31% of civilian workers have long term disability coverage. Traditional defined benefit plans usually included some protection so that disability would not destroy retirement plans. In contrast, defined contribution plans have no built-in protection.
Rick Miller, Ph.D., CFP® and Scott D. Haglund, FSA, MAAA, FLMI
(1.5 hrs CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)The chance that you or a client might suffer a long-term disability is more common than you might think, and this risk increases with each year we age. For many of us, employer-provided coverage will need to be supplemented with individual insurance. Most who suffer a disability today not only stop adding to retirement savings, they dip into their savings
early as they experience increased medical and other related disability costs.
Retirement professionals need to know how to help clients make informed insurance
decisions that will protect their retirement security from this substantial risk.
Protecting Your Clients from Financial Elder Fraud
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)Financial crimes against the elderly are highly under-reported throughout the United States. Too often, incidents of stealing from an elderly victim are misdiagnosed as a "family matter," or a civil court issue. Exploiting our elderly out of their lifelong savings and property is far more than stealing material items, it goes deeper. It is the THEFT OF THEIR DIGNITY.
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)Each generation has its own words, concepts, motivations and emotions that appeal to them based on their life stage and collective life experiences. As individuals age, their ability to accurately, completely and quickly process information tends to decline. You need to adjust your presentation and conversations to help them understand better.
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)The challenge for retirement counselors with face-to-face client/plan participant meetings is that we have a limited time for communicating. For the retirement professional who meets with clients and plan participants face to face or over the phone. We can help you the improve the communication process and its outcomes with some proven tips and tools. Participants of this session will explore ingredients of successful communication while reviewing proven approaches for greater communication confidence and clarity.
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)It is important to understand the rationale and process people use to make decisions about when to retire and how to manage in retirement. Whether people have sufficient assets and income for retirement is very dependent on when they decide to retire and how they expect to live during retirement. In addition, certain financial shocks will continue to occur in retirement much like they did during a person’s working lifetime.
(1.5 hrs CRC® CE; 1.0 hrs CFP®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)Accumulating money during the working years is a critical component of retirement preparedness. Examine the relationship of motivation and alignment as they relate to financial security, as well as some approaches to framing the messages in the accumulation phase so that more participants will not only embrace the concept of saving, but turn that understanding into action.
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)Behavioral research provides a greater understanding of retirement-related decision making and identifies relevant predictors of consumer behavior, which often stands in stark contrast to rational expected behavior. Behavioral research improves your ability to make informed decisions based on actual consumer or employee behavior, rather than relying on educated guesses or opinions. Jodi DiCenzo has performed extensive research to gain firsthand insight into employees’ retirement-related decisions and choice. She will present her findings as well as other research findings that go beyond automatic enrollment as the predominant solution for improving employee plan participation, deferral and investing behaviors.
(1.5 hrs CRC® CE; 1.0 hrs CFP®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)Good retirement planning looks beyond just the financial aspects. Learn a holistic model accounting for the cultural, social and personal factors retirees will face. Join us for this eye-opening web course that looks beyond the financial aspects of retirement planning and provides a holistic model accounting for the many cultural, social and personal factors one faces along the way.
(1.5 hrs CRC® CE; 1.0 hrs CFP®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)Good communication is the cornerstone to good client relations. There are a variety of communication styles, and understanding the differences can go a long way toward conveying important information and building trust with the people you serve. It is important for professionals to be able to identify, understand and prepare to adapt to the variety of client styles encountered in one-on-one or group counseling sessions for more successful outcomes when meeting or counseling with various clients.Learn how to enable participants to better identify, understand and prepare to adapt to the variety of client styles encountered in one-on-one or group counseling sessions.
New! Women and Retirement
(2.0 hrs CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)In retirement, women are more at risk than men of living longer than expected, surviving a spouse, experiencing a “grey divorce”, being a caregiver, dealing with the long-term care expenses of a spouse, and eventually relying solely on Social Security for their retirement income. By being retirement smart, we can help our women clients prepare ahead of time for the retirement-specific risks that are most likely to affect them. Come to this session to hear a power-packed
panel provide specifics about what planners should do to help their women clients
be more retirement secure.
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)Sixty-six percent of caregivers are women, according to the “Caregiving in the U.S.” study the National Alliance for Caregiving. Caregivers spend on average 20 hours each week providing care, leaving them with less time for paid work. In sum, caregiving has serious financial consequences and it is important for women to understand the consequences and to take steps, whenever possible, to protect their retirement security.
Learn from the experts, the way you like to learn, at the level that's right for you.
All of the courses below qualify for Certified Financial Planner® (CFP®), Certified Retirement Counselor® (CRC®), ASPPA, CLU®, ChFC®, RICP®, CASL and other continuing education credit. Click on the titles below to learn more about individual courses. Click here for descriptions of all courses by topic.
No quiz required to receive CE credit for attendees of *REBROADCASTS and **LIVE WEBINARS (highlighted in purple).