2018 4th Quarter Issue – InFRE’s free retirement newsletter – 1.0 CE credit

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Print this issue

The quarterly newsletter from the International Foundation for Retirement Education’s to help retirement professionals keep abreast of what’s happening in the field of retirement readiness, counseling, planning and income management.

In this retirement-specific newsletter, planners will learn about:

  1. “Retirement Planning Beyond the Dollars and Cents” by Robert Laura CPRC. Now more than ever, advisors must realize that there is much more to retirement than just the dollars and cents. Fact is, people are failing at retirement at an alarming rate because they aren’t prepared for the non-financial aspects of it.
  2. “Advance Care Planning: A Critical Component for Building Client Relationships” by Paul Malley, President of Aging with Dignity. Each day, 10,000 people turn 65. As the population ages, there are more life transitions to assist in helping clients navigate complex health and financial issues. An overlooked aspect of an advisor’s role is advance care planning – or defining, communicating and documenting healthcare wishes. Currently, less than 30 percent of adults have an advance directive.
  3. “How to Make Your Clients’ Money Last Longer with Withdrawal Sequence Strategies “ by William Meyer, CEO, Retiree, Inc. and Social Security Solutions, Inc. How you “tap” or liquidate retirement savings to generate income impacts portfolio longevity. Similarly, how you coordinate guaranteed income, Medicare and Social Security with the sequence you withdraw client savings impacts how long retirement savings lasts. and prospects as they prepare for retirement. Learn how to beat the “conventional wisdom” used to generate retirement income for your clients.

The articles below comprise the 2018 4th Qtr Issue of Retirement Insight and Trends. Click on the links below to read each article online separately, or click here to view and print the issue in its entirety.

Follow the link at the end to access the quiz, and upon passing with 70% or greater you may receive 1.0 hour of CRC® CE credit!


Welcome to InFRE’s Janury, 2019 Issue of Retirement Insight and Trends

on January 31, 2019

Retirement InSight and Trends is the quarterly newsletter for the International Foundation for Retirement Education’s Certified Retirement Counselors® (CRC®s) to help retirement professionals with the practical application of new retirement readiness, counseling, planning and income management concepts for the mid-market. Find out more about the CRC® here and […]
Continue Reading this issue of Retirement Insight and Trends here→


January, 2019 InFRE Update: Welcome to Our New Board of Standards and Standing Committee Members!

on January 31, 2019

The Board of Standards and Policy Development (BOS), the policy-making and oversight body of Certified Retirement Counselor® (CRC®) Certification, recently chose three individuals to serve on the BOS beginning in January 2019. We extend our congratulations and sincere thanks […]
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Retirement Planning Beyond the Dollars and Cents

on January 31, 2019

By Robert Laura, CPRC
Many people talk about how retirement is changing, but no one is talking about why or how. My goal is to help you generate a new mindset and a new conversation.

In the past, the “haves” are people who had money and lived a life of leisure. That has changed because wealth and leisure aren’t the only key aspects today, especially when you look at retirement. What is important? Health, family, and relationships.

The New Retirement Reality: People have an idea of what retirement is going to be like, but when they get there, it’s not the same. The first thing that is different is that retirement is difficult. […]
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Advance Care Planning: A Critical Component for Building Client Relationships

on January 31, 2019

By Paul Malley, President of Aging with Dignity
More than 30 million people have already used Five Wishes. It’s available in 29 different languages and used by organizations, healthcare providers, and faith communities of diverse faiths from across the country and the world. Because it’s translated into 29 languages, it’s appropriate in very diverse populations and communities.

In this article, we’ll look at the value of advance care planning, what it means to plan before a serious illness, and how that fits into your role as a financial advisor. We’ll also help you have a better understanding of how to start conversations with your clients about advance care planning. It’s no joke – this can be a bummer of a topic to discuss. Talking about end-of-life care is hard.

What do you want at the end of your life? Take a second to think about your answer to this question. […]
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How to Make Your Clients’ Money Last Longer with Withdrawal Sequence Strategies

on January 31, 2019

By William Meyer, CEO, Retiree, Inc. and Social Security Solutions, Inc.
Social Security planning is very technical. I’m proud that the software we have built based on our research is nation-leading. We were just ranked as the No. 1 Social Security analyzer in America. Our second software, Income Solver, will show you at the press of a button the optimal draw-down and allows you to compare and contrast strategies.

As an industry, we focus too much on federal taxes, and what you’ll see for retirees is that we need to coordinate Social Security and Medicare.  If you look at how Medicare premiums are calculated, they are based on a tax formula, and it’s the same with Social Security. It’s easy to misunderstand the marginal rate as opposed to a tax bracket. So when you can draw down tax-deferred savings, you are generating retiring income, and you can hurt yourself.

There is a framework we can use for how to optimize withdrawal strategies, or at least how to approach it with your clients to make sure that you’re coming up with strategies that are the best for their families. […]
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Earn 1 free Continuing Education (CE) credit for the January, 2019 Issue of InFRE’s Retirement InSight and Trends

on January 31, 2019

You can earn 1 CRC® CE credit for the September, 2018 issue of Retirement InSight and Trends.
Click here to access the quiz.
When you have completed the last question, click the “submit” button to submit your final answers. You may not return to review or change your answers after clicking submit or if you close the browser window. You may restart the quiz if needed.
A score of 70% is required to pass the quiz and earn CE credit. You will see your score on your screen upon submitting your answers. An email will automatically be sent to you for your records as proof of successful completion. […]
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