Aspirations Discovered and Achieved

Upon completion of this course, the student will be able to: Understand the steps in creating an effective retirement income plan Identify retirement income needs, objectives, and goals by evaluating the clients 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

The second of the 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 clients 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

The third course in the RICP® series focuses on initial and ongoing retirement income plan management. This knowledge will help you: 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

Unlock advanced tax strategies for maximum efficiency and long-term financial growth during a client’s accumulation phase of life. This course covers optimizing retirement plans, health and education savings accounts, and investment tax strategies. Learn sophisticated planning techniques for high-net-worth individuals, executives, and business owners, ensuring tax-efficient growth and significant advantages. Transform your tax planning approach and achieve unparalleled financial success

This course teaches tax-efficient planning strategies when working with clients in the retirement phase of life. Learners will learn to identify and avoid common required minimum distributions errors and tax traps, appropriately evaluate clients for Roth conversions, and optimize withdrawal sequences. Topics include evaluating rollover options, managing tax payments through withholdings and estimated taxes, and paying for health and long-term care expenses in a tax-efficient manner.

Learn end-of life tax planning techniques to help clients minimize beneficiaries' future income taxes and, where applicable, to reduce their own future estate tax liability. This course covers strategies to enhance basis step-ups for beneficiaries, minimize taxes on inherited IRAs, HSAs and other tax-preference accounts, and reduce federal estate taxes.