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SRI 131 — Planning for a Secure Retirement

Course Type: Designation, Highly Interactive Online Course
Topics: Retirement & Annuities
Designations: ASRI, FSRI, FSRI Level I
Language: English



Overview

This online interactive course takes learners through the retirement planning process, identifies the tools that are available to help individuals create a retirement plan, and describes the primary components of a comprehensive retirement plan.

After completing this course, learners should be able to:

  • Describe factors that make retirement planning a top priority for many people and the primary activities people perform during the accumulation phase of retirement planning
  • Explain how inflation and longevity influence a person's retirement income needs, and the methods people use to determine income needs at retirement
  • Describe the tax consequences of receiving benefits from a tax-advantaged retirement plan in a lump-sum distribution
  • Describe strategies retirees can use to manage risks during the decumulation period
  • Identify methods customers use to manage and store cash
  • Identify three basic types of risks that are insurable
  • Explain how wills are used to transfer property, the key people involved in creating and administering a will, and the requirements of a valid will

Topics

  • Importance of Retirement Planning
  • Retirement Planning Overview
  • Resources for Retirement Planning
  • Retirement Planning Tools and Advisors
  • Accumulation Planning
  • Pre-Retirement Decisions
  • Timing of Retirement
  • Retirement Location and Housing
  • Adjusting Investments
  • Decumulation Planning
  • Managing and Spending Income
  • Retirement Plan Components
  • Planning Cash Management
  • Planning for Asset Protection
  • Planning for Estate Management
  • Understand important decisions people face as they near retirement―including when to retire, where to retire, and how to ensure a successful retirement―and the strategies they can use to optimize the outcomes of those decisions.
  • Understand the goal setting process, recognize effective methods for managing savings and spending habits, and develop an investment plan based on personal characteristics such as risk tolerance and investment concepts such as asset allocation and diversification.
  • Describe how Social Security benefits are determined, explain the methods people can use to turn pre-retirement savings into a steady stream of retirement income, and understand how regulatory requirements and taxes affect withdrawal rates from qualified and nonqualified sources of retirement income.
  • Explain how inflation and longevity influence a person's retirement income needs, and the methods people use to determine income needs at retirement.
  • Describe the tax consequences of receiving benefits from a tax-advantaged retirement plan in a lump-sum distribution.
  • Understand the importance of managing cash inflows and outflows during retirement and explain the strategies people can use to manage credit and cash flows.
  • Explain how insurance helps manage retirement risks such as health risks, mortality/longevity risks, and property/liability risks by transferring some or all of the financial losses associated with those risks to another party.
  • Explain how wills are used to transfer property, the key people involved in creating and administering a will, and the requirements of a valid will.

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 is required.

Exam Format

Integrated Exams

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

How to Enroll

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