RETIREMENT PLANNING FOR LONGER LIFE EXPECTANCY

RICP® RETIREMENT INCOME CERTIFIED PROFESSIONAL®

Baby boomers are living longer than previous generations.

Many investment advisors are ill-equipped to address longevity risks of a retiree’s income plan.

The RICP® program provides the knowledge to create an effective, long-term retirement income plan.

Here are 3 strategic tactics the RICP® program covers:

MONETIZING MATURING ASSETS

1

Retirees struggle to convert their assets into a sustainable income

stream that will outlive them (or at the very least, keep pace).

A healthy portfolio should have a variety of investments with different maturity dates.

The RICP® designation equips you with strategies for monetizing assets

over the retirement period.

The knowledge you gain will help you ensure their retirement assets last a lifetime or even beyond.

2

DELAY SOCIAL SECURITY PAYOUTS

When Social Security was established in 1935, average life expectancy was about 61 years.

Now living well into their 80s, retirees must try to squeeze even more from these fixed benefits.

According to the RICP® Retirement Income Literacy Survey, half of

Americans are unclear on the best time to claim Social Security

As an RICP®, you’ll gain a better understanding of how Social Security fits into the retirement plan.

You’ll also learn how to determine the optimal claiming age appropriate

for each client's situation

3

CHOOSE OPTIMAL RETIREMENT AGE

Choose Optimal Retirement Age

Rather than retire at the traditional ages of 62 to 65,

Boomers are working longer.

Many Boomers aren’t ready to walk away from lifetime careers.

Others aren’t sure if they have enough money to support them

through the retirement years.

With the RICP®, you gain the background to evaluate a client’s current situation.

An RICP® can recommend steps in achieving their client’s retirement goals and priorities.

With the RICP® designation, you’ll understand how to best guide and advise your clients in retirement.

You can help clients make the most of their savings in a retirement that

could extend into decades.

RICP® RETIREMENT INCOME CERTIFIED PROFESSIONAL®

Are you interested in elevating your retirement income expertise and ability?Over 3,000 advisors have earned and more than 12,000 advisors have registered for the RICP®.

DOWNLOAD TODAY