Ed Slott and Company’s IRA Success

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"The Best Source for IRA Advice" - The Wall Street Journal


Program at a Glance

Tuition

$195 per course; $2,100 full 12-course program (Save $240)

Timing

1 hour per course (complete program in 12 hours) 

Format

100% online, self-study

CE

 CE approved for American College, CFP Board, Select States.

Learning Outcomes
  • Recognize and avoid costly errors made by other advisors, CPAs, and estate planning attorneys
  • Apply IRA planning insights that will help your clients protect and grow their retirement savings
  • Implement IRA knowledge through a demonstrated action plan to build your business

An Industry-First Program Delivered by Two Financial Education Leaders

Ed Slott and Company’s IRA Success, powered by The American College of Financial Services, is an on-demand, CE-eligible, 12-course program that combines the expertise and clear-cut language of America’s IRA Expert Ed Slott, CPA, and his team with The American College of Financial Services’ pedigree in e-learning design and delivery.

Individual retirement accounts (IRAs) are subject to a complex web of tax laws, with a single misstep potentially crippling retirement dreams and generational legacies. But when used properly and planned proactively, IRAs are powerful retirement and estate planning vehicles. 

Most financial advisors are focused on asset accumulation, and often lack knowledge to help their clients with tax planning in the distribution phase. At the end of the day, it’s what your clients keep that counts – after taxes.

IRA Success delivers the applied knowledge you need to navigate retirement distribution complexities, manage for the end of the stretch IRA, and grow your IRA rollover business. With an emphasis on the SECURE Act and CARES Act, the 12-course program covers everything from recognizing new backdoor Roth opportunities to identifying key beneficiary categories still eligible for stretch IRA provisions. 

USA Today notes that it "would be tough to find anyone who knows more about IRAs than CPA Slott.” Now, you can learn from Ed Slott and his team, bringing real value to the 42 million households with an IRA. Apply what you learn immediately, and reinforce your knowledge through video presentations, resources, and in-depth manuals.

Background for Reasons to Enroll in IRA Success Program

REASONS TO ENROLL

  1. Capture business in a growing marketplace. One-in-three households own an IRA - a popular retirement planning vehicle full of opportunities and obstacles. This program has massive real-world applicability and potential business-building outcomes.
     
  2. Receive an education from Ed Slott, a retirement thought leader well known by many of your clients and prospects, and his team of IRA experts.
     
  3. Experience video presentations that cut through the tax jargon to deliver actionable, comprehensive insights, including introduction and summary videos from Ed Slott. 
     
  4. Leverage a resource library with each course that includes an in-depth course manual for ongoing learning and handouts and charts for use in client meetings (no translation necessary!)
     
  5. No educational prerequisites - enroll in the entire program for tuition savings or start with any course at any time.
     
  6. Successfully obtain valuable CE credits, including from The American College, CFP Board and Select States. More CE availability coming soon!

Program Delivery

Program Delivery

Ed Slott and Company’s IRA Success is an online, self-paced program that distills retirement distribution tax planning and IRA complexities into 12 hours of clear-cut, action-oriented education with immediate relevance to client cases and and business growth.

Your learning materials include:

  • ​Video presentations on the latest IRA laws, rules, and strategies
  • Summary videos with Professor of Practice Ed Slott that distill complex knowledge into actionable insight
  • In-depth course manuals called a “goldmine” by industry peers
  • Robust resources, including charts, step-by-step action plans, and tax tables
  • Answers to 100 IRA questions frequently asked by financial professionals
  • Assessments to evaluate your learning success 

You have a 12-month window to complete the program coursework and prepare for the final assessment. 

Tuition & Fees

Individual course: $195
Full 12-course program: $2,100 (Save $240)

Tuition includes all fees, course/program assessments, and course materials, including access to the intuitive Knowledge Offerings learning platform, video presentations, handouts and charts to use with clients, answers to 100 frequently asked questions, and in-depth course manuals.

There are no prerequisites required to take IRA Success courses.

You may begin the program with any course at any time. Some courses combine to completely cover specific topics. For example, three courses detail 25 key IRA rules, while the team covers naming trusts as IRA beneficiaries in two courses.

Learn more about available CE credit below.

IRA SUCCESS PROGRAM DETAILS

CE151: Navigating the CARES and SECURE Acts in 2021
This course provides an overview of the CARES and SECURE Acts in 2021. Students gain insight on how this legislation up-ended long standing retirement rules. Other topics explored in this course include required minimum distributions (RMDs) after the 2020 RMD waiver, Coronavirus-Related Distributions (CRDs), CRD income inclusion and repayment provisions, plan loan relief, and the SECURE Act summary of key changes.

CE152: Planning for the End of the Stretch IRA
This course examines planning for the end of the stretch IRA and discusses the application of the 10-year rule. Through a series of examples, students will learn how the SECURE Act’s post-death payout rules will assist their beneficiary clients.

CE153: IRA Beneficiary Examples, Mistakes, and Checklists
This course provides an overview of the foundational IRA beneficiary knowledge needed to achieve IRA success for financial professionals and their clients. Students identify the right questions to ask to avoid potential IRA beneficiary mistakes.

CE154: 25 IRA Rules You Must Know (Part One)
This course is the first of three courses dedicated to the 25 IRA rules every financial professional must know. Students explore the first 10 rules, essential IRA planning strategies, the RMD aggregation rules, 5-year rule confusion after death, creditor protection of IRAs, and Medicaid treatment of retirement accounts.

CE155: 25 IRA Rules You Must Know (Part Two)
This course resumes the examination of the 25 IRA rules every financial professional must know. Students explore the 5-year rules for Roth IRAs, qualified domestic relations orders or QDROs, non-spouse beneficiary rollover rules, and goes in-depth on the 10% early distribution penalty exceptions including cases and planning ideas.

CE156: 25 IRA Rules You Must Know (Part Three)
In this final course dedicated to the 25 IRA rules, students focus on key information on splitting IRAs, spousal rollovers, tax breaks for IRA and plan beneficiaries, 60-day rollover relief, and correcting excess IRA contributions.

CE157: Roth IRAs: Conversions, 3 Questions to Ask, Estate Planning
In this course, students explore the ordering rules for the Roth IRA distributions. The topics covered in this course include Roth IRA tax planning after the SECURE act, three questions to ask in every Roth conversion evaluation, who should and who should not convert, and estate planning with Roth IRAs.

CE158: Roth 401(k) Rules / IRA Update and Tax Planning Strategies
This course provides an overview of Roth 401(k) planning and includes a review of the latest tax rule changes and planning opportunities. Students gain insight on the “mega back-door Roth” and evaluate contributions and distribution rules for a popular list of Roth company plans. In addition, this course includes charitable IRA planning strategies using qualified charitable distributions (QCDs).

CE159: Naming Trusts as IRA Beneficiaries (Part One)
This course is the first of two courses on naming trusts as IRA beneficiaries. In this course, students engage with the basic IRA trust planning concepts, including knowing how to explain options to clients to determine the necessity of an IRA trust, how to set it up, and communicate with the beneficiary after the IRA owner’s death.

CE160: Naming Trusts as IRA Beneficiaries (Part Two)
This course is the second of two courses on naming trusts as IRA beneficiaries. Students differentiate conduit vs. accumulation trusts, examine how to determine RMDs when a trust is the IRA beneficiary, and how to avoid the major IRA trust mistakes that your peers constantly make. In addition, the SECURE Act effect on IRA trusts will be reinforced with practical examples.

CE161: Advising Clients on Key Rollover Decisions
This course provides an overview of how to advise clients on key rollover decisions. Topics covered in this course include how to use the SECURE Act to attract large IRA rollover clients, net unrealized appreciation (NUA) rules and strategies for employer stock, five NUA mistakes you cannot afford to make, 72(t) rules for early IRA and plan distributions, and an examination of 72(t) IRA rulings and court cases.

CE162: Estate and Life Insurance Planning with IRAs
This course provides an overview on estate and life insurance planning with IRAs. Students explore using life insurance as a planning solution to replace the stretch IRA, how to plan for estate tax uncertainty, and the application of IRA strategies to increase insurance and annuity sales.

CE163: Ed Slott and Company’s IRA Success (All 12 Courses) 

Ed Slott and Company’s IRA Success is currently approved for the following continuing education credit.

American College Professional Recertification: One credit per course (12 credits for the entire program). Credit hours can go towards Professional Recertification continuing education requirements for CAP®, CASL®, ChFC®, ChSNC®, CLF®, CLU®, FSCP®, RICP®, and WMCP® designee holders. For more information on The College’s Professional Recertification Program, visit www.TheAmericanCollege.edu/Recertification.

CFP®: Students will receive 27.5 credits for successfully completing the program requirements for the entire program (CE163). CE credit for individual courses varies.

Individual courses are approved for the following CFP® CE credit.
 

Course Approved CFP® CE Credit
CE151: Navigating the CARES and SECURE Acts in 2021 1.0
CE152: Planning for the End of the Stretch IRA 1.5
CE153: IRA Beneficiary Examples, Mistakes, and Checklists 2.0
CE154: 25 IRA Rules You Must Know, Part One 2.5
CE155: 25 IRA Rules You Must Know, Part Two 2.5
CE156: IRA Rules You Must Know, Part Three 3.5
CE157: Roth IRAs: Conversions, 3 Questions to Ask, Estate Planning 1.5
CE158: Roth 401(k) Rules / IRA Update and Tax Planning Strategies 2.5
CE159: Naming Trusts as IRA Beneficiaries, Part One 1.5
CE160: Naming Trusts as IRA Beneficiaries, Part Two 2.0
CE161: Advising Clients on Key Rollover Decisions 2.5
CE162: Estate and Life Insurance Planning with IRAs 1.5

 

Insurance Credit By State: State insurance CE is available to professionals who complete all 12 courses.  See the CE page for more information.

To earn CE credit, a student must finish all requirements, which include watching the presentation(s) and successfully completing a multiple-choice exam that assesses the student's knowledge of the topics covered. The student must earn a score of 70% or higher to earn continuing education credit. For more information about the CE process, email CE@TheAmericanCollege.edu.

Students interested in joining Ed Slott’s Elite IRA Advisor GroupSM must successfully complete the entire program and earn a score of 70% or higher on the final assessment. The College has no affiliation with Ed Slott’s Elite IRA Advisor GroupSM. Please contact Ed Slott and Company directly at (800) 663-1340 or info@irahelp.com with any questions.

Ed Slott and Company’s IRA Success is a self-paced continuing education course delivered in the Knowledge Offerings learning platform. Learners may work at their own pace, but are expected to review all course content, complete all course activities, and abide by all policies and producers of The American College of Financial Services.