Required RICP^® Courses:

HS 353 Retirement Income Process, Strategies & Solutions:
Upon completion of this course, the student will be able to:

• Understand the steps in creating an effective retirement financial plan
• Identify retirement income needs, objectives, and goals by evaluating the client’s current situation
• Determine how to choose the appropriate retirement financial planning strategy for your clients
• Evaluate income tax, estate issues, retirement financial planning risks, and other threats to retirement income
• Integrate risk management tools, products, and strategies to create an effective retirement financial plan

HS 354 Sources of Retirement Income:
The second of the retirement planning certification program's three courses explores sources of retirement income in depth. After completion, you should be able to:

• 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 financial plan
• Have a better understanding of how executive benefits and retirement income benefits for federal and military employees fit into the plan
• Understand the different ways that life insurance can be used in retirement financial 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 strategies for ensuring retirement income lasting a lifetime

HS 355 Managing the Retirement Income Plan:
The third course in the RICP® designation series focuses on initial and ongoing retirement income financial plan management. This knowledge will help you:

• Choose the appropriate tax-efficient distribution options from a retirement income 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 financial planning
• Create and manage retirement income portfolios appropriate for each client’s situation

To receive a Huebner School designation (including ChFC^®, CLF^®, CLU^®, RICP^®, and WMCP^®), you must successfully complete all courses in your selected program, meet experience requirements and ethics standards, and agree to comply with The American College Code of Ethics and Procedures. 

Experience

Three years of full-time business experience is required for all Huebner School designations, including a retirement income planning certification. The three-year period must be within the five years preceding the date of the award. An undergraduate or graduate degree from an accredited educational institution qualifies as one year of business experience. Part-time qualifying business experience is credited toward the three-year requirement on an hourly basis, with 2,000 hours representing the equivalent of one year of full-time experience. The following activities meet the required business experience qualifications included in the retirement income planning certification process.

       Insurance and health care

• Field underwriting and management, including sales and service activities, supervision and management of persons involved in sales or services, or staff support of persons in these activities.
• Company management and operations in positions involving substantial responsibility.

       Financial services and employee benefits

• Client service and related management, including direct contact with clients, supervision and management of persons involved directly in the process of providing financial services or employee benefits, or staff support of persons in these activities.
• Financial institution management and operations in positions involving substantial responsibility.

       Other

• University or college teaching of subjects related to the Huebner School curriculum on a full-time basis at an accredited institution of higher education.
• Government regulatory service in a responsible administrative, supervisory, or operational capacity.
• Activities directly or indirectly related to the protection, accumulation, conservation, or distribution of the economic value of human life; these include the work of actuaries, attorneys, CPAs, investment advisers, real estate investment advisers, stockbrokers, trust officers, or persons in other similar occupations.

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