Retirement Income Certified Professional

This designation equips advisors with the knowledge to effectively manage the transition from asset accumulation during a client’s working years to asset decumulation in retirement. RICP®enables the advisor to demonstrate tremendous value by delivering smart strategies for creating secure, sustainable income for a client’s retirement.

Forms & Checklists

Legacy Box interview questions

Personal Document Locator Form

Nearing Retirement Checklist

Estate Planning Checklist

Caring for an Aging Parent Checklist

Checklist Prior to Divorce

Checklist for the Recently Divorced

Taxation and Long-Term Care Insurance

Records Retention Timetable

Your 2018 Key Numbers

Divorce & Debt


Chartered Financial Consultant

The Chartered Financial Consultant (ChFC®) designation program focuses on the comprehensive financial planning process as an organized way to collect and analyze information on a client’s total financial situation; to identify and establish specific financial goals; and to formulate, implement, and monitor a comprehensive plan to achieve those goals.

The ChFC program provides financial planners and others in the financial services industry with in-depth knowledge of the skills needed to perform comprehensive financial planning for their clients.

Chartered Federal Employee Benefits Consultant

ChFEBC℠ – A Chartered Federal Employee Benefits Consultant℠ (ChFEBC℠) has been specially trained on the complexities associated with the retirement and other benefits offered to the employees of the federal government.


As you approach retirement, your attention is shifted from the accumulation of assets to discussing ways in which those assets can be converted into a stream of income to last throughout your lifetime. Retirement planning is all about managing risk: inflation, market, and/or longevity risks. As distribution specialists, our focus is on efficient, lower cost investments geared toward risk sharing, security of principal and plan reliability.

Estimating Your Retirement Income Needs

Developing a Distribution Strategy

10 Ways Baby Boom Women (and Men) Can Save Themselves

Reaching Retirement Now What?

The Split Annuity

Pension Max Concept

Annuities A Fair And Balanced View

Financial Investment

Determining your retirement income needs is a process that helps you identify your retirement planning needs based on your desired standard of living and the resources you’ll have available. Today, you can typically no longer rely on Social Security benefits and a company pension check to fulfill all your retirement income needs. Social Security benefits will probably satisfy only a fraction of your overall retirement income needs, and generous company pensions have largely been replaced in many cases with employer-sponsored retirement plans that are funded largely with employee dollars.

A successful and rewarding retirement requires you to plan ahead in order to help ensure that you have sufficient retirement income to last you for your entire retirement. Determining your retirement income needs requires a discussion of the various stages of retirement planning, including preretirement, the transition into retirement, and retirement.

Developing a Distribution Strategy

ETF in Portfolios

How to Invest Your Portfolio Using Passive and Active Management

The Split Annuity

Should You Pay Off Your Mortgage or Invest

Bonds, Interest Rates, and The Impact of Inflation


Women & Finance

Women have unique financial needs.  Statistics say that 85% or more will be on their own financially at some time.  Some women never marry, some divorce and some will outlive their husbands.  Information and knowledge are powerful, but money and health provide choices in life.  Therefore women, as well as men, need to learn about the financial planning process in order to make wise and informed decisions.

Women and Money: Taking Control of Your Finances

Women and Retirement Planning

10 Ways Baby Boom Women (and Men) Can Save Themselves

Teach Your Children Well

The Joys and Financial Challenges of Parenthood

Divorce and Risk Management