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Never under estimate the value of your Social Security benefit. It is uniquely positioned to hedge against three principal retirement risks of inflation, longevity, and market declines. That’s because Social Security is:
The problem of non-guaranteed life insurance expiring prematurely often goes unnoticed until it becomes a crisis. At that point diminished options entail a higher price tag. We help people realize life insurance is a ‘Buy & Manage’ rather than ‘Buy & Hold’ asset. Our proactive ‘stitch in time’ policy review and salvage efforts illuminate options and enhances outcomes.
The RICP® (Retirement Income Certified Professional) is awarded to those completing a rigorous three-course curricula to help advisors master retirement income planning, a focus not covered in other professional programs. The RICP® educational curricula is the most complete and comprehensive program available to professional financial advisors seeking to help clients create sustainable retirement income.
AIF® (Accredited Investment Fiduciary) designees have been certified for their ability to follow a fiduciary process with clients’ best interests at heart, and must document industry and educational experience, and complete specific training. Both the RICP® and AIF® require written exams, entail a code of ethics and conduct standards, and come with continuing professional education requirements.
CPA – inactive
Michael became a CPA in 1980, and practiced as such with a local firm for several years. CPAs not remaining current with the AICPA’s continuing professional education requirements (120 hours over a tri-annual period) must provide the ‘inactive’ disclosure beside their license credential.