Retirement Income Planning & Annuity Suitability

Navigate the retirement income landscape from Social Security optimization to annuity suitability. Covers NAIC Model #275 best interest standards, SECURE Act 2.0 changes, tax treatment of distributions, and behavioral finance insights.

8 Units

Early Units (Foundation)

Building Skills

Advanced Concepts

Capstone/Synthesis

Retirement Income Landscape: Longevity Risk and Income Gaps

An evidence-based overview of the retirement income crisis, longevity trends, and the structural gaps that create demand for guaranteed income solutions.

20 minutes

Social Security Optimization Strategies

A technical examination of Social Security claiming strategies, benefit calculations, and coordination with other retirement income sources.

20 minutes

Annuity Types: Fixed, Variable, Indexed, and Hybrid Products

A detailed comparison of annuity product types, crediting methods, fee structures, and the role of riders in retirement income planning.

20 minutes

NAIC Suitability Standards and Best Interest Obligations

A comprehensive review of the NAIC suitability framework, best interest obligations, and compliance requirements for annuity recommendations.

20 minutes

Tax Treatment of Retirement Distributions

A technical review of the tax rules governing annuity distributions, qualified plan withdrawals, and strategies for tax-efficient retirement income.

20 minutes

Required Minimum Distributions and SECURE Act 2.0

A detailed examination of required minimum distribution rules, the SECURE Act 2.0 provisions, and their implications for retirement income planning.

20 minutes

Behavioral Finance: How Clients Make Retirement Decisions

An examination of the behavioral biases that influence retirement planning decisions and evidence-based strategies for improving client outcomes.

20 minutes

Building a Compliant Retirement Income Plan

A step-by-step framework for constructing, documenting, and presenting a compliant retirement income plan that integrates all preceding course concepts.

20 minutes

Learning Progression

This course is designed to be taken sequentially. Earlier units establish foundational concepts that later units build upon. While you can explore units in any order, following the numbered sequence provides the most coherent learning experience.