1
RICP 353 Retirement Income Process, Strategies and Solutions (Required)
Build the client fact pattern | Find assets available for spending | Separate the spending layers | Translate today's dollars
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Retirement Income Certified Professional (RICP) Free Practice Test
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A couple says they want to retire “comfortably” but has not defined spending goals, survivor priorities, or desired timing. Which next step best supports a sound retirement-planning process?
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Retirement Income Certified Professional (RICP)
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Exam Syllabus
Core Retirement Income Certified Professional (RICP) topics
2
RICP 354 Sources of Retirement Income (Required)
Verify the Social Security record | Compare claiming ages | Coordinate survivor benefits | Fund the claiming bridge
3
Elective pathway: RICP 355 Managing the Retirement Income Plan or HS 326 Planning for Retirement Needs
RICP 355: Sequence taxable withdrawals | RICP 355: Budget for Medicare choices | RICP 355: Fund long-term care exposure | RICP 355: Compare housing paths
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Core knowledge88%
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Retirement Income Certified Professional (RICP) video course
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Reconciled a fictional 13-week cash forecast to bank and ledger inputs and documented four timing differences.
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Learner reviews
What learners say about the Retirement Income Certified Professional (RICP) practice tools
Feedback from learners using Treasury Conquer to make Retirement Income Certified Professional (RICP) preparation more focused and manageable.
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FAQ
Common questions about Retirement Income Certified Professional (RICP)
How do I turn a client's spending estimate into an income target?
Separate essential spending from flexible spending, place irregular costs on a timeline, and express future amounts in consistent dollars. Then subtract reliable after-tax income available in each period. For example, a hypothetical $72,000 annual spending need less $38,000 of dependable after-tax income leaves a $34,000 first-year gap. That gap alone does not establish a sustainable withdrawal: test inflation, survivor income, taxes, and poor early market returns.
When might guaranteed income be useful alongside an investment portfolio?
Compare the timing and size of essential expenses with dependable income. A gap in the essential-spending floor may support considering an annuity or other reliable source, while invested assets retain a role for inflation, unexpected costs, and flexible spending. Assess the contract's insurer risk, fees, liquidity, survivor terms, and inflation treatment. A payment that closes today's gap may lose purchasing power if it remains level while expenses rise.
How should I choose between the two elective sections?
Follow the elective in your RICP course route. RICP 355 concentrates on managing distributions and the ongoing plan, including health costs, long-term care, housing, portfolios, and ethics. HS 326 concentrates on retirement needs and benefit plans, including qualified and nonqualified arrangements, IRAs, and employer benefits. The required-course concepts apply to either route.
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