Page 6 - IPI Educational Programs and Resources [2.16.20 Version]

Distribution planning
Programs
Educational presentations for nancial professionals
Three distribution blind spots to watch out for*
Clients are living longer in retirement, meaning income planning is critical. Avoid blind spots and overlooked issues that may impact your clients.
You’ll learn how to:
• Become income planning focused
• Utilize key income planning strategies, including annuities
• Address three blind spots: insuf cient guaranteed income, taxes during accumulation and distribution, and estate tax consequences
* Approved for one hour of insurance, CPE, and CFP® continuing education credit in all states except Maryland, New Jersey, and New York.
Crucial distribution conversations with clients in their 50s*
Many factors go into deciding when, how, and from where to take withdrawals in retirement. It’s important to plan for clients’ situations.
You’ll learn how to:
• Understand health care planning, including Medicare and Medicaid
• Avoid the 10% penalty on distributions from quali ed accounts before age 591⁄2
• Maximize distributions including Social Security timing, required minimum distribution (RMD) strategies, rollovers, and lifetime income options
* Approved for one hour of insurance, CPE, and CFP® continuing education credit in all states, except New Jersey, New York, and Washington.
Customized distribution plans: Case studies and creative solutions
Converting savings into guaranteed income, ef ciently integrating Social Security into a retirement income plan, and other common income strategies are presented using typical client scenarios.
You’ll learn how to:
• Educate clients on the need for lifetime income
• Understand common distribution challenges
• Use repeatable strategies while personalizing the plan for each client
Dynamic income planning
A retirement income plan that works no matter what the market is doing is critical. That means dynamic income planning—having the right type and combination of assets to ensure reliable retirement income.
You’ll learn how to:
• Create a proper mix of different types of assets that play a role in an income plan
• Keep key factors in mind when a client retires
• Determine what income to utilize based on market performance
Ask the R.I.G.H.T. questions for retirement income planning
Five fundamentals are important to consider when creating a retirement income plan: risk mitigation, investment selection, government bene ts, health care, and taxes.
You’ll learn how to:
• Manage the typical risks in retirement
• Choose an appropriate time to take Social Security
• Minimize income taxes throughout retirement
6
Delaware Life Income Planning InstituteSM