Help Retirees Make Their Savings Last
As retirement income planning becomes increasingly complex (with many no “do-over” mistakes lurking), your expertise can make all the difference. Help clients secure their futures with strategies built to support their goals and aspirations in retirement.
THE OPPORTUNITY
Exceed Retirement Planning Expectations
Clients can't guess their way through the next 30 years. An advisor who provides these services is well-positioned to grow their business with thousands of older Americans seeking retirement planning guidance.
How will you make those assets last for decades? When do you insert Social Security or guaranteed income solutions? You can have the answers.
Vanguard reports Americans age 65 or older have an average 401(k) balance of nearly $280,0001 and Fidelity reports baby boomers have an average IRA balance of around $257,000.2
1 Vanguard. Average 401(k) Balances by Age. 2023. 2 Fidelity. Average 401(k) Balances by Age. 2023.
THE KNOWLEDGE GAP
Why Most Advisors Fall Short
We are in an era of generalists: professionals with planning acumen that’s only scratching the surface. Furthermore, many advisors aren’t doing planning at all. That’s a major red flag when the stakes get higher in retirement.
Clients don’t want general retirement planning advice they could get from just anyone. They want a plan for income, longevity, and legacy tailored to them.
Advisors with specialized retirement income designations are less likely to see anxious client requests for rash planning changes than those focusing solely on investment management.3
3 The American College of Financial Services. Advising Through Uncertainty Study. 2025.
THE SOLUTION
Become an RICP®
The Retirement Income Certified Professional® (RICP®) is the most comprehensive and practical program for retirement income planning education available today.
Features 45+ of the nation’s leading retirement experts
In-depth insights into Social Security, long-term care, and taxes
Applied, practical knowledge you can use right away
Flexible online learning for the on-the-go professional
Help clients avoid costly and irrevocable mistakes and achieve peace of mind with a designation of distinction in retirement income planning — and a proven track record of success.
RICP® designees report 26% higher growth in earnings — likely because 91% see a notable impact on their ability to help clients with retirement planning goals.4
4 FUSE Research Network. The American College of Financial Services Designation Outcomes Study. 2024. Growth comparison based on reported three-year period compared to professionals without designations.
"Lots of advisors want to invest a client's assets, but few are prepared to step up when it's time to start using those assets in retirement. The RICP® shows you’ve made an effort to gain the appropriate knowledge to help clients during that transition and throughout retirement.”
—Christopher Gurton, CLU®, RICP®, ChFC®
Your Special Offer: Save Nearly $300 on the First Course!
Take the Lead in Retirement Income Planning
Get personalized program information, see how the RICP® can fit into your business, and claim your exclusive tuition savings now.
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The American College of Financial Services is the nation’s leader in specialized financial planning education. Learn more about the RICP® Program at TheAmericanCollege.edu/RICP.
© The American College of Financial Services
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