Individual and employer-sponsored retirement plans.
A graduate level program with practical examples that meets the CFP Board-Register requirements. Everything you need to succeed.
You'll begin the course by learning about retirement funding and its common traits.
Including:
- Pension
- Profit sharing
- Stock bonus
- Employee stock ownership
- 403(b)
- 457 and SIMPLEs
You'll then learn about distributions, installation, administration and termination, SEP's, traditional Roth IRAs and Social Security retirement benefits.
The course material covers the following:
Retirement Planning
- Introduction
- Interested Parties
Retirement Funding
- Factors Affecting Retirement Planning
- Remaining Work Life Expectancy
- Retirement Life Expectancy
- Savings and Investment Issues
- Retirement Need Analysis
- Wage Replacement Ratio
- Sources of Retirement Income
- Qualitative Factors in Retirement
- Advising Clients
- Risks to Financial Independence
- Capital Needs Analysis
Qualified Plan Overview
- Pension and Profit Sharing Plans
- Defined Benefit and Defined Contribution
- Advantages of Qualified Plans
- Qualification Requirements
- Leased Employees and Controlled Groups
- Affiliated Service Groups
- Separate Line of Business
- Break in Service Rules
Qualified Pension Plans
- Pension Plan Characteristics
- Defined Benefit Plans
- Defined Contribution Plans
- Cash Balance Plans
- Money Purchase Plans
- Target Benefit Plans
Profit Sharing Plans
- Contributions and Deductions
- Allocations and Eligibility
- Vesting and Distributions
- 401(k) Plans
Stock Bonus Plans
- Advantages of Stock Bonus Plans
- Disadvantages of Stock Bonus
- Stock Bonus vs. Profit Sharing
- The ESOP Transaction
- Voting
- Contributions to ESOPs
- Distributions
- Diversification Issues
- Put Options
- ESOP Trustee and Inherent Conflicts
- S Corporation as ESOP Owner
Qualified Plan Distributions
- Distribution Options and Taxation
- Distributions Prior to 59 ½
- Minimum Distributions
Installation and Termination
- Qualified Plan Selection
- Establishing and Operating a Qualified Plan
- Prohibited Transactions
- ERISA and Filing Requirements
- Amendments and Termination
Medical Insurance
- Traditional Plans
- Managed Care Plans
- Comparison of Medical Expense Plans
- Consumer-Directed Plans
- Benefit Carve-Outs
- Plan Provisions
- Dental Insurance
- Additional Benefits for Executives
- Federal Tax Treatments
IRAs and SEPs
- Traditional IRAs
- IRA Annuity vs. IRA Accounts
- Roth vs. Traditional
- SEP Establishment and Participation
- SEP Contributions and Deductions
- Vesting and Withdrawals
SIMPLE, 403(b) and 457s
- Establishing a SIMPLE
- SIMPLE IRAs and 401(k) Plans
- 403(b) and 457 Plans
- ERISA Applicability
- Eligibility
- Employer and Employee Contributions
- Investment Choices and Limitations
- Rollovers, Distributions and Loans
- Benefits and Disadvantages
Social Security
- Taxes and Contributions
- Benefits, Calculations and Eligibility
- Disability Benefits
- Family and Survivor Benefits
- Maximum Family Benefit
- Medicare Benefit
- Supplemental Income Benefits
- Filing Claims
- Effects of Marriage and Divorce
- Leaving the United States
Non-Qualified Plans
- Wage Replacement Ratio
- IRC Section 409A
- Deferred Executive Compensation
- Income Tax Issues
- Nonqualified Deferred Plans
- Funding Arrangements
- Employer Options and Stock Plans
Homeowners Insurance
- Homeowners Policies
- Other Homeowners Forms
- Homeowners Endorsements: Tailoring the Policy
- Other Residential Forms
- Flood Insurance
- Hard-to-Insure Residential Property
- High-Value Residential Property
- Floater Policies
- Title Insurance
Fringe Benefits
- Fringe Benefits Defined
- Taxation of Fringe Benefits
- Nondiscrimination of Fringe Benefits
- Benefiting Individuals
- Types of Fringe Benefits
- Valuation Rules
Group Benefits
- Medical Plans
- Group Term Life and Disability Insurance
- Cafeteria Plans
- Flexible Spending Accounts
- Other Employee Benefits