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The Retirement Income Certified Professional® (RICP®) curriculum covers the following topics:
- Understand the steps in creating an effective retirement income plan
- Identify retirement income needs, objectives, and goals by evaluating the client's current situation
- Determine how to choose the appropriate retirement income strategy for your clients
- Evaluate income tax, estate issues, retirement risks, and other threats to an effective retirement income plan
- Integrate risk management tools, products, and strategies to create an effective retirement income plan
- Recommend the optimal age to claim Social Security benefits as appropriate for each client's situation
- Help the client evaluate the factors to consider when determining an appropriate retirement age
- Understand the role of annuities in a retirement income plan
- Have a better understanding of how executive benefits and retirement benefits for federal and military employees fit into the plan
- Understand the different ways that life insurance can be used in planning and how to address the retirement needs of the small business owner
- Understand how to build a retirement income portfolio
- Become more familiar with the latest research on strategies for ensuring that retirement assets last a lifetime
- Choose the appropriate tax-efficient distribution options from a retirement plan
- Help a client create a health expense budget and navigate the many decisions regarding Medicare and other health care options
- Help a client prepare for their long-term care needs
- Navigate retirement housing decisions and address home equity strategies
- Identify the key ethical issues in retirement income planning
- Create and manage retirement income portfolios appropriate for each client's situation
For more information on the RICP® certification, please visit the following website:
https://www.theamericancollege.edu/designations-degrees/ricp