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CFE8005

Course
CFE8005
Course Title
Retirement Planning

Description

Every financial planning professional needs to know the essentials of retirement planning and employee benefits. Assist your clients in choosing the appropriate retirement plan to meet their needs, whether they are a business, business owner or an individual. Evaluate qualified plans, non-qualified plans and IRAs in designing the best retirement strategy for your clients.

Objectives

Upon completion, students will be able to calculate the annual savings needed to reach their client's retirement income goals. 

Content

1.   Pension and Retirement Planning Overview  

 

2.   The Retirement Field

 

3.   Preliminary Concerns 

 

 4.   Defined-Benefit, Cash-Balance, Target-Benefit, and Money-Purchase Pension Plans  

 

5.   Profit-Sharing Plans, 401(k) Plans, Stock Bonus Plans, and ESOPs

 

6.   CSEPs, SIMPLEs,  and 403(b) Plans

 

7.   Coverage, Eligibility, and Participation Rules

 

8.   Designing Benefit Formulas and Employee Contributions

 

9.    Loans, Vesting, and Retirement Ages

 

10.  Death and Disability Benefits; Top-Heavy Rules

 

11.  Plan Funding and Investing—Part I

12. Plan Funding and Investing—Part II

 

13. Plan Installation and Administration

 

14. Plan Termination

 

15. Non-qualified Deferred-Compensation Plans

 

16. Equity Based Compensation Plans

 

17. Individual Retirement Arrangements

 

18. Individual Retirement Arrangements

 

19. Social Security

 

20. Introduction to Individual Retirement Planning

 

21. Retirement Needs Analysis:  Preliminary Concerns

 

22. Determining Postretirement Monetary Needs–Case Study

 

23. Additional Retirement Planning Issues

 

24. Distributions from Retirement Plans 

 

Method of Instruction

Lecture

Evaluation

Final Examination - There will be a final exam at the conclusion of each module.  A minimum grade of 75% must be earned on all exams that are administered as part of the program.  Students scoring 60% or higher on a final exam will be allowed one opportunity to retake the exam in an attempt to achieve a passing grade for that course module.  Students who score below 60% on a final exam are required to resit the module the next time it is offered.