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Many of your clients will finance a large part of their retirement expenses through the investments they have accumulated. A key factor in advising your clients during retirement will be the preservation of those assets and the generation of income to cover their expenses.

 In this course, you will learn how to determine the amounts clients can withdraw from their investment portfolios during retirement while retaining enough value to last through their remaining years. This course focuses on market trends and risks as they relate to portfolio longevity. We will cover factors that can cause distribution portfolios to suffer permanent losses if not considered when making retirement projections. The course touches on various investment products and strategies, including bonds and preferred shares, high-yield fixed income and real return bonds, fixed income exchange-traded funds, index-linked GICs, mortgage-backed securities, and various types of annuities including strategies for putting these products to work for suitable clients. The course also covers the role a home can play in generating income to support retirement.

The course is one of seven within the Advanced Mutual Fund Advice (AMFA) program, which is the learning path required to obtain the Certificate in Mutual Fund Advice. It is also part of the education required for the Personal Financial Planner (PFP®) and Certified Financial Planner (CFP®) designations.

What skills will you develop?

The Retirement Planning Income and Products (RPIP) course is designed to help you advise your clients based on their retirement income and product options. Completing this course will also help you:

  • Determine the amount that retirees can withdraw from their portfolio while retaining enough value to last through their retirement
  • Gain a clear understanding of fixed income risks and strategies
  • Expand your knowledge about preferred shares, covered calls, real return bonds, life-cycle funds, index-linked GICs, home equity monetization, and more

Who should enrol?

This course is designed for mutual fund advisors who want to build flexibility into their financial planning careers. It is suitable for entry-level professionals who may already have their mutual fund license, including both junior mutual fund dealing representatives and more senior reps who want to transition from a transaction-based business to one that is focused on providing financial advice.