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SRI 210 — Successful Retirement Outcomes

Course Type: Highly Interactive Online Course
Topics: Financial Services & Financial Planning, Marketing & Business Acquisition, Operations & Administration, Retirement & Annuities
Designations: ASRI, FSRI
Language: English


SRI 210 describes the importance of retirement income planning in the decumulation phase of retirement. Delivered in a highly interactive online format, learners will gain knowledge of the essential steps in retirement income planning, including how an individual or couple calculates the amount of income needed to satisfy retirement goals; evaluates income sources and expenses to determine whether a shortfall exists; and then develops, implements, and monitors a strategy for generating income and protecting assets.

This course is currently under development, with availability projected for 2015.


  • Introduction to Retirement Income Planning
  • Retirement Readiness, Behavioral Economics, and Risks
  • Sources of Retirement Income
  • Planning for Expenses
    ◦Health and Long-Term Care Expenses
    ◦Housing Decisions
  • Creating, Implementing, and Monitoring the Plan
    ◦Determining Needs; Generating Income
    ◦Case Studies

1. Introduction to Retirement Income Security

Barriers to Effective Retirement Income Planning

Financial literacy issues

Behavioral economics

Educating People about Post-Retirement Risks

Sources of Retirement Income

2. Social Security Retirement Benefits

Types of Retirement Benefits

Claiming Strategies for Married Couples

3. Tax-Advantaged Retirement Plans

Premature Distributions

Loans and In-service Withdrawals

Distribution Options: at Termination of Employment and Retirement

Required Minimum Distributions

4. Individual Retirement Arrangements

Characteristics of Traditional IRAs and of Roth IRAs

Choosing Between a Traditional and Roth IRA

5. Investments

Investment Portfolios



Cash and Cash Equivalents

Real Estate

Mutual Funds

Exchange Traded Funds

6. Nonqualified Annuities

Considerations in an Annuity Purchase

Types of Annuities

Income Annuities: SPIAs, DIAs, Longevity Annuities

Deferred Annuities: FDAs, MVA Annuities, Indexed Annuities,

Variable Deferred Annuities, Guaranteed Living Benefit Riders

Death Benefits

Planning for Expenses in Retirement

7. Health and Long-Term Care Expenses in Retirement

Health Insurance Options for Early Retirement

Overview of Medicare

Medigap Policies

Medicaid and State Long-Term Care Partnership Policies

Long-Term Care Insurance (LTCI)

8. Housing Decisions

Aging in Place

Downsizing and Relocating

9. Evaluating Retirement Readiness and Income Needs

Assumptions of Retirement Income Calculations

Evaluating Retirement Readiness

Retirement Planning Calculators

10. Strategies in the Decumulation Phase

Asset Allocation Decisions

Strategies for Generating Income

Tax Strategies

Course Format

LOMA’s popular online interactive courses teach important industry concepts through an engaging, highly interactive, multi-media approach that often includes integrated video, audio and scenario-based learning. Online interactive courses are designation courses with integrated exams—the modularized examinations are built right into the course as part of the learning experience. No separate exam enrollment required!

Exam Format

Integrated Exams

Online interactive courses are non-proctored designation courses—the modularized examinations are built right into the course as part of the learning experience. No separate exam enrollment required!