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Retirement Income Management

Retirement Income Management

We have provided training for over 15,000 financial professionals since 2005.

 

As a financial advisor, a service provider, a public or private employer, you are regarded as the expert who can guide current and future retirees through the maze of sometimes contradictory information, while tailoring solutions to the unique circumstances of each individual.

 

Specialization in intelligent retirement income management will allow you to develop expertise that few retirement professionals have. The courses listed below are available for $39 each, or as part of our Full Access Membership program. Click here for a more extensive listing of Retirement Income Management courses with the courses below and other materials not included as part of the membership program.

 

All of 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.

CLU®, ChFC®, RICP®, CASL and other CE courses ASPPA CE courses CRC® CE courses CFP® CE courses 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.

 

Click here or scroll down to view Retirement Income Management courses.

 

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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.

 

Compare membership levels here!

 

View summaries of ALL courses BY TOPIC or ALPHABETICALLY.

Click on the icons below to view courses in other topics.

 

CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE by topic - Retirement Income Management CFP® Member Courses - Retirement Planning CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE by topic - Retirement Readiness CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE - Social Security CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE - Retirement Counseling & Education CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE - Women and Retirement
 
 

Retirement Income Management CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE by topic - Retirement Income Management


 

 

IRA Beneficiary Designations and Surviving Spouse Strategies: Why Many IRA Owners Should Use a Retirement Plan Trust- Rex Hogue LIVE WEBINAR, DEC 14, 2017 12 - 1:00 PM EST

IRA Beneficiary Designations and Surviving Spouse Strategies: Why Many IRA Owners Should Use a Retirement Plan Trust
by Rex L. Hogue, Attorney & Partner
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)

Upon death, an IRA is subject to income tax, federal estate tax, possible state income tax, and possible state inheritance tax. A retirement plan trust can avoid tax problems while it protects beneficiaries. Learn how a retirement plan trust avoids problems such as a beneficiary deciding to cash out early, or a beneficiary rolling over the client’s IRA into the beneficiary’s IRA, problems with naming individuals as beneficiaries and how a retirement plan trust avoids them, situations where a retirement plan trust should be used as the beneficiary of an IRA, and much more.


 

Denise Appleby, APA, CISP, CRPS, CRC®, CRSP, IRA Strategies for Mistakes Prevention Expert New in 2017!

10 Essential IRA Tips for Helping Clients to Save Taxes and Avoid Penalties

Denise Appleby, APA, CISP, CRPS,CRC®, CRSP, Appleby Retirement Consulting, Inc.

(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)

As is evidenced by numerous IRS private letter rulings, court cases, and other unofficial sources, mistakes with IRA transactions is a common occurrence. These mistakes can result in loss of tax-deferred status, and penalties being owed to the IRS. This can lead to years of accumulated savings being lost to higher tax rates and penalties, plus the loss of the benefit of tax-deferred growth. Advisors need to put measures in place to help their clients avoid making these mistakes; and where possible, correct mistakes that have already been made.

 

Curtis Cloke, award-winning financial professional and retirement income expert, trainer, and speaker New in 2017!

The Holy Grail of Retirement: How to increase income and growth while improving liquidity
by Curtis Cloke, award-winning financial professional and retirement income expert, trainer, and speaker
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)

Understanding what retirees want and what keeps them up at night are major elements for financial professionals to resolve and solve for their pre-and-post retiree clients. It is important to build portfolios that create a base of income they cannot destroy, one they cannot outlive, and when done correctly, protect principal that cannot be lost if dying to soon. Investing solutions should focus on income flow, discretionary liquidity, growth opportunities and legacy goals. During this session, we will address many myths and biases that surround these questions and show you how building a retirement income floor that incorporates insurance guarantees can help clients meet their emotional and financial needs for a lifetime.

 

Matthew Allen, CEO, Social Security Advisors Matthew Allen, Co-Founder and CEO of Social Security Advisors and Social Security Pro New in 2017!

Maximizing Your Clients’ Social Security
by Matthew Allen, CEO, Social Security Advisors
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)

With over 10,000 baby boomers claiming their Social Security each day for the next twenty years, you are going to receive many Social Security questions. The average couple receives over $1 million in lifetime Social Security benefits, so for many of your clients, this will be a critical component of their overall financial and retirement planning. In addition to adding value by helping your existing clients make an informed Social Security decision, knowledge of Social Security can also be helpful to your overall practice and is a great lead generator.

 

Brad Breeding, CFP®, President and Co-Founder of MyLifeSite New in 2017!
Where Senior Living and Retirement Planning Intersect, Opportunities Emerge

by Roy Ramthun, “Mr. HSA,” MPH and Aaron Benway, CFP®, MBA
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)

Most Americans are not saving enough for retirement. Further, we underestimate how much of our retirement income will be spent on health care costs. Health savings accounts (HSAs) are well suited to fill this void by offering superior tax efficiency today coupled with the flexibility to meet retirees’ changing needs as they age. Although not every American can have an HSA, this savings account option is increasingly available to workers as part of their employer benefits package. Understanding and leveraging the investment savings potential of HSAs will soon become a standard to basic financial planning.

 

Brad Breeding, CFP®, President and Co-Founder of MyLifeSite New in 2017!    

Where Senior Living and Retirement Planning Intersect, Opportunities Emerge
by Brad Breeding, CFP®, President and Co-Founder of MyLifeSite
(1.0 hr CFP®, CRC®, ASPPA, CLU®, ChFC®, RICP®, CASL and other CE)

Most senior adults prefer to stay in their home as long as possible - after all, home is where the heart is. Yet, this may not always be the most practical choice. Retirement professionals are uniquely positioned to prompt important discussions between senior clients and their family members about lifestyle, housing, and healthcare needs that may arise in the future. But with so many types of senior housing choices and considerations, how can you best guide your clients through the important decisions? This webinar will help you understand the options, as well as key retirement planning implications.

 

David Armes, CFP®, Principal of Dover Healthcare Planning, LLC - Behavioral Finance & Investment Management Expert Three Steps to Helping Clients Manage Health Care Costs in Retirement - David Armes New in 2017!    

Three Steps to Helping Clients Manage Health Care Costs in Retirement

by David Armes, CFP®, MBA

(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.

 

Wade D. Pfau, Ph.D., CFA, Professor of Retirement Income for the American College of Financial Services and the Director of Retirement Research for McLean Asset Management Fitting Home Equity into a Retirement Income Strategy - Wade Pfau New in 2017!    

Fitting Home Equity into a Retirement Income Strategy

by Wade Pfau, Ph.D., CFA

(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 - Steve Vernon, Wade Pfau Optimal Retirement Income Solutions in Defined Contribution Retirement Plans - Steve Vernon, Wade Pfau Optimal Retirement Income Solutions in Defined Contribution Retirement Plans

by Steve Vernon, FSA & Wade Pfau, Ph.D., CFA

(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.

 

A Case Study of a Middle Affluent Couple Planning for Retirement Income - Manish Malhotra A Case Study of a Middle Affluent Couple Planning for Retirement Income - Manish Malhotra

A Case Study of a Middle Affluent Couple Planning for Retirement Income

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.

 

Shelley Giordano, Chair of the Funding Longevity Task Force Reverse Mortgage Strategies for the Middle Market - Shelley Giordano

Reverse Mortgage Strategies for the Middle Market

Shelley Giordano, Chair of the Funding Longevity Task Force

(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.

 

Grey Divorce and Retirement - Andrew Samalin Grey Divorce and Retirement - Andrew Samalin Grey Divorce and Retirement

Andrew Samalin, CFP, EA, CDFA , Past president of the Association of Divorce Financial Planners

(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.

 

Faisal Habib, PE, MBA, FRM - Retirement Speakers Bureau Retirement Income Sustainability: Measuring the Tail Risk of Product Portfolios - Faisal HabibRetirement Income Sustainability: Measuring the Tail Risk of Product Portfolios

Faisal Habib, PE, MBA, FRM, President of QWeMA (division of CANNEX)

(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?

 

No Portfolio Is An Island - David Blanchett

No Portfolio Is An Island

David Blanchett, CFA, CFP®, AIFA, Head of Retirement Research, Morningstar Investment Management

(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.

 

Kevin S. Seibert, CFP®, CRC®, CEBS – Retirement Planning and Income Management Expert' Introduction to Managing Retirement Income - Kevin SeibertIntroduction to Managing Retirement Income

Kevin Seibert, CFP®, CEBS, CRC®, and Managing Director of InFRE

(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.

 

Steven Horan - Tax-Efficient Draw Downs in Retirement Tax-Efficient Draw Downs in Retirement - Stephen Horan

Tax-Efficient Draw Downs in Retirement

Stephen Horan, PhD, CFA, CIPM, Managing Director, Credentialing, CFA Institute

(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.

 

Bruce McPherson, CRMP – Reverse Mortgage Expert Addressing the Longevity Challenge: Housing Wealth Strategies that Improve Portfolio Survival - Bruce McPherson Scheduled Rebroadcast: TUE, DEC 12, 2017 3 - 4:00 PM EDT

Addressing the Longevity Challenge: Housing Wealth Strategies that Improve Portfolio Survival

Bruce McPherson, Certified Reverse Mortgage Professional (CRMP) with Security One Lending, America’s largest full-service Reverse Mortgage company

(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.

 

Nyal Bischoff, Independent Long Term Care Specialist The Silver Tsunami and Long-Term Care: Ride the Wave or Get Swept Away - Nyal Bischoff The Silver Tsunami and Long-Term Care: Ride the Wave or Get Swept Away

Nyal Bischoff, an independent Long-Term Care Specialist

(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.

 

John Salter, PhD, CFP®, AIFA®, Associate Professor, Personal Financial Planning, Texas Tech University Standby Reverse Mortgages: A Risk Management Tool for Retirement Distributions

John Salter, Ph.D., CFP®, AIFA®, Associate Professor, Personal Financial Planning, Texas Tech University

(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.

 

Gary Baker, President, US Operation of CANNEX Financial Exchanges  What Advisors Need to Know About Qualified Longevity Annuity Contracts - Gary Baker What Advisors Need to Know About Qualified Longevity Annuity Contracts

Gary Baker, President, U.S. Division at CANNEX Financial Exchanges

(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.

 

Denise Appleby, APA, CISP, CRPS, CRC®, CRSP, IRA Strategies for Mistakes Prevention Expert  Traditional IRA Distributions: Optional, Required, Penalties, and Tax Reporting - Denise Apple

Traditional IRA Distributions: Optional, Required, Penalties, and Tax Reporting

Denise Appleby, APA, CISP, CRPS,CRC®, CRSP, Appleby Retirement Consulting, Inc.

(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.

 

Denise Appleby, APA, CISP, CRPS, CRC®, CRSP, IRA Strategies for Mistakes Prevention Expert  Year-end Planning and Compliance Requirements for IRAs - Denise Appleby Scheduled Rebroadcast: TUE, NOV 14, 2017 3 - 4:00 PM EST

Year-end Planning and Compliance Requirements for IRAs

Denise Appleby, APA, CISP, CRPS,CRC®, CRSP, Appleby Retirement Consulting, Inc.

(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.

 

 

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