Certified Retirement Counselor

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Individual Courses

Provider: Quest Continuing Education Solutions Show Dual Credit Only
Advanced Asset Allocation Strategies (CE)
$14.95
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General: 1.5 Credits

Establishing an appropriate asset mix is a dynamic process and it plays a key role in determining a portfolio's overall risk and return. As such, a portfolio's asset mix should reflect the client's goals at any point in time. There are a few different strategies for establishing asset allocations. This course will review the key models and help the financial advisor develop an asset allocation strategy that is appropriate given the individual client's needs. * This course is not Texas classroom equivalent. Florida Agents: Eligible License CE 9901 - Generic Life and General Lines | Intermediate. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 85959

Training Topics

- Assessing Risk Tolerance - Strategic Asset Allocation - Tactical Asset Allocation - Core-Satellite Asset Allocation - Asset Allocation and Annuities - Retirement Asset Allocation - Asset Allocation and Life Insurance

Dual Credit

AIF
APA
ASPPA
CFP
CFA
CFFP
IWI
NAPA
NTSA
PRP
Annuities Essentials (CE)
$14.95
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General: 1 Credit

The CE credits for this course do not apply toward the 4-hour annuity training requirement. Section I Objectives: Explain basic annuity terms, payout options, and benefits; the annuity's role in an aging America; annuity taxation; the three annuity types (fixed, variable, and equity-indexed (EIA)). Section II Objectives: Compare fixed, equity-indexed, and variable annuity features; advantages, disadvantages, and workings of each product type; and, common product features and calculation methods. Section III Objectives: Explore marketing and suitability choices; typical clients for fixed, variable, and equity-indexed annuities; "Annuity Advantage" uses (such as split annuities and control from the grave); legal and ethical considerations when determining suitability. * This course is not Texas classroom equivalent. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 46814

Training Topics

- Basics of Annuities - Fixed - Variable and EIA - Marketing Opportunities - Who is Buying Annuities

Dual Credit

APA
ASPPA
CFP
CFA
CFFP
IWI
NAPA
NTSA
Annuities Today (CE)
$14.95
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General: 2.5 Credits

The CE credits for this course do not apply toward 4 hour annuity training requirement. "This course is designed to introduce financial planners and insurance professionals to the world of annuities." It looks at the development and distribution of the product. It differentiates between fixed and variable annuities, immediate and deferred annuities, and flexible and single premium annuities. It also examines the marketing aspects of annuities and how insurers invest in this retirement vehicle; and finally, it examines current and past tax treatment of annuities. * This course is not Texas classroom equivalent. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 76562

Training Topics

- What are Annuities - How Annuities are Used - Taxation of Annuities - Tax Sheltered Annuities - Variable Annuities - Equity Indexed Annuities - Function and Uses of EIAs - Disadvantages of Annuities - The Financial Strengths of Insurers

Dual Credit

CFP
Disability Income Insurance (CE)
$14.95
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General: 1.5 Credits

This course is intended for producers and supervisors that market and sell insurance products to consumers. This course provides a detailed review of the basics of disability insurance and addresses concerns related to individuals and businesses. Topics include the need for disability insurance, how the policies work and how they are issued. Broad issues of a policy such as underwriting, defining a disability and riders will be covered. Several case studies provide excellent examples of issuing the most applicable policies. A representative will be provided with advanced sales solutions to help their clients plan a sound future. * This course is not Texas classroom equivalent.

Training Topics

- Disability Income Insurance - Who Needs Disability Income Insurance - What Disability Income Insurance Accomplishes - Benefit Period - Long and Short Term Disability - Trade Associations - Tax Consequences

Dual Credit

ASPPA
CFP
NAPA
NTSA
Disability Insurance (CE)
$14.95
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General: 3 Credits

Disability insurance insured incomes in the event a wage earner is unable to work due to an illness or injury that occurs outside of the work environment. This course takes an active view of the various types of disability insurance coverages available, by using real life scenarios, examples and case studies. Employees with eligible disabilities may require the use of short-term, long-term or Social Security Disability benefits or a combination of these options. Business disability policies are covered to ensure a comprehensive look at everything from coverage options to disability fraud by the less obvious. FL Agents: Eligible License 9900 Generic Life/Health/Variable - Misc Subjects | Intermediate. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 96486

Training Topics

- Types of Disabilities - Salary Continuation - Short-Term Disability - Long-Term Disability - Social Security Disability - Coordination of Benefits: Setoffs - Disability for Business Owners - Fraud

Dual Credit

ASPPA
CFP
IWI
NAPA
NTSA
PRP
Equity Indexed Annuities (CE)
$14.95
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General: 1 Credit

In offering a look at some of the unique options annuities offer, Equity Indexed Annuities will help financial professionals gain a comfort level when discussing the product with suitable clients. The course also covers the role of fixed annuities in retirement planning as well as a look at the evolution of indexed products. * This course is not Texas classroom equivalent.

Training Topics

- Investment Horizon - Fixed Annuities Features - Participation Rate - Fund Averaging in a Point-to-Point Design - How Design and Features Affect Participation Rate - Buyer Profile - Presenting the Equity Index Annuity to Clients

Dual Credit

APA
ASPPA
CFP
CFA
CFFP
IWI
NAPA
NTSA
PRP
Estate Planning (CE)
$14.95
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General: 2.5 Credits

Estate planning is the process in which consideration is given to accumulating and allocating income and assets for the purpose of creating a better quality of life for an individual and others during life and for their heirs after death. To achieve the goals sought by estate planning, the accumulation and retention of income and assets must be accomplished by avoiding the severe impact of income, estate and gift taxes, as well as ensuring the desired disposition of assets at death. This course will provide you an understanding of the key components of estate planning to allow you to create the appropriate financial plan for your client. * This course is not Texas classroom equivalent. FL Agents: Eligible License CE 9900 - Generic Life/Health and Variable | Intermediate. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 86019

Training Topics

- Value of Estate Planning - The Estate Planning Process - Property Transfers Upon Death - Estate Planning Documents Types of Trust Used in Estate Planning - Estate and Gift Tax Basics Life Insurance and the Estate Plan

Dual Credit

AIF
ASPPA
CFP
CFA
CFFP
IWI
NAPA
NTSA
PRP
Ethical Considerations for Life and Death (CE)
$34.45
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General: 12 Credits

On completing this course, producers will understand the importance of integrating insurance products into the lives of clients and helping them with investing as part of their financial strategy, planning, and preparation for their futures. Agents will see how personal and professional ethics and ethical practices help agents reach their goals with integrity, as well as review continuing education requirements, new state laws, new federal laws and Acts introduced, which influence the insurance industry. Producers will learn the standards and requirements they are to uphold and how to successfully implement these standards and requirements when dealing with clients and insurance companies. This course will allow producers to create a personal and professional code of ethics they can follow in every aspect of their personal and professional business. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 100339

Income Planning for Heirs: Annuity Contract Structure (CE)
$14.95
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General: 1 Credit

By taking a look at the roles and rights of the three parties (owner, annuitant and beneficiary) along with some of the major variations found in different annuity contracts, this course covers many important aspects of income planning for heirs. It will also help the financial advisor better understand the various outcomes of the available annuity contracts and recognize the disposition and tax consequences of each scenario. A beginner's prerequisite of the knowledge of annuities designates this course as 'intermediate.' * This course is not Texas classroom equivalent.

Training Topics

- Owner - Annuitant - Beneficiary - Death Benefit - Understanding the Contract - The Income Phase of an Annuity - Fixed Payments - Taxation of Income Payments - Stretch IRA Technique

Dual Credit

APA
ASPPA
CFP
CFA
CFFP
IWI
NAPA
NTSA
Life Insurance Today (CE)
$39.95
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General: 16.5 Credits

This course takes a comprehensive look at life insurance and how it can be a means of attaining financial security during life and after death. It explains the many applications of life insurance products and how their flexibility allows them to cover a wide range of clients' needs. * This course is not Texas classroom equivalent. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 66885

Training Topics

- Term Insurance - Cash Value Insurance - Endowment Insurance - Health Insurance - Group Insurance - HMOS - Planning for Retirement - Annuities - Long Term Care Insurance - Estate Planning Tools - Common Riders - Paying for College - Wills, Probate and Trusts

Planning for Senior Needs (CE)
$14.95
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General: 2 Credits

In 2011 the Baby Boomer Generation began turning 65. Those who have not reached this hallmark age are all in their 50s. This generation is the largest of the U.S. population. The growth of this senior population is unlike anything our country has seen. Unfortunately, it is going to come at great expense. The purpose of senior needs planning is to identify and fund a specific and comfortable amount of net annual retirement income. This course is designed to help financial professionals understand the various risks and challenges today's retirees face and teaches you how to develop a plan for your clients so they may sustain their lifestyles throughout retirement. Due to the prerequisite of a thorough understanding of all available investment vehicles, this course is designated as Intermediate *This course is not Texas classroom equivalent. FL Agents: Eligible License CE 2-18 - Life and Health | Intermediate. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 83757

Training Topics

- Retirement Income Needs - Minding the Gap - Reverse Mortgage - Inflation - Annuity Payout Options - Paying Current Tax on Your Lump-Sum Payment - Questions about Distributions - Tax on Early Distributions from Retirement Plans, other than IRAs - Settlement Options, Annuities - Premiums - Social Security - Healthcare Needs - Legal Protection

Dual Credit

AIF
APA
ASPPA
CFP
CFA
CFFP
IWI
NAPA
NTSA
PRP
Principles of Asset Allocation (CE)
$14.95
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General: 1 Credit

This course provides an understanding of the concepts of asset allocation and its importance in financial planning. The topics covered include the definitions of asset allocation and asset classes, the concepts of risk and how they relate to the asset allocation process, and a discussion of the client information that is needed to properly allocate the client assets.

Training Topics

- Value-at-Risk - Volatility & Standard Deviation - Correlation - Diversification - Reduction of Portfolio Risk - Value of Diversification - Investor Objectives - Liquidity - Risk Tolerance - Indifference Curve - Time Horizon

Dual Credit

AIF
APA
ASPPA
CFP
CFA
CFFP
IWI
NAPA
NTSA
PRP
Retirement Planning and Annuities (CE)
$14.95
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General: 3 Credits

Planning for Retirement can involve multitudes of subjects. The more people are educated on the value of annuities, the more they will want this product. One of the last things on young couples' minds is retirement planning. Couples may think about who would care for their children if they died. They may have had a will drawn up to protect their property for their heirs. Providing an income for their retirement, however, seems to be the last to be planned. The earlier a young couple plans for their retirement, the more their retirement will be free from financial anxieties. * This course is not Texas classroom equivalent. FL Agents: Eligible License CE 2-14 - Life and Variable Annuity | Intermediate. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 74355

Training Topics

- Annuities - Annuity Types Identified According to Policy Owners - Annuity Types Identified According to Policy Owners Risk - Who Would a Policyholder Want to Annuitize - Annuity Management Annuity Advantages and Disadvantages - Pension Plans - Long Term Care Insurance - Suitability and Marketing Practices

Dual Credit

AIF
CFP
Suitability of Variable Life Insurance (CE)
$14.95
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General: 1 Credit

If you complete this course for Nebraska CE Credit: You may only receive credit for one of Quest's suitability courses per compliance period. We will consider the foundation for suitability (NASD Rule 2310) with respect to its admonition to know the customer and the product. In addition, we will briefly discuss the general characteristics of the various classes of investment products. At the conclusion of the course, the registered representative will have a basic understanding of variable products and the factors that need to be considered in their suitable recommendation. FL Agents: Eligible License CE 2-16 - Life | Advanced. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 46041

Training Topics

- Tax Status - Investment Objectives - Obtaining Customer Information, Cash and Cash Equivalents - Debt Investment - Equity Investment - Special Issues - Notice to Members 96-86 - Notice to Members 99-35 - Notice to Members 00-44 - Accumulation Phase - Decisional Factors in Variable Life Insurance Suitability

Dual Credit

APA
ASPPA
CFP
CFA
CFFP
NAPA
NTSA
Understanding IRA Annuities (CE)
$39.95
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General: 15 Credits

The connection between IRAs and insurance may not seem obvious and some may believe that IRAs have nothing to do with insurance. In fact, the majority of annuity assets, which are insurance products, are held as IRAs and there is even a section of the tax code specific to IRA annuities. For insurance professionals, it is essential that they understand the rules around IRA annuities when considering them or positioning them for a client. This course examines the rules governing annuities when owned through traditional IRAs, Roth IRAs, SEP IRAs, and SIMPLEs. With respect to traditional IRA annuities, the course considers the issues of eligibility, contribution limits, and how annuities are held. Tax treatment of traditional IRA annuity funds is discussed, including the treatment of contributions, accumulations, transfers, and distributions. The premature distribution penalties and its exceptions are addressed. Roth IRA annuities, created by TRA'97, are discussed, including eligibility, contribution limits, and distributions. Conversions from traditional to Roth IRAs are examined and the tax consequences are discussed. The increased limits authorized by the Economic Growth and Tax Relief Reconciliation Act of 2001 are addressed and the age 50+ catch-up provisions are explained.

Training Topics

IRAs, annuity funds, eligibility, contribution limits, insurance

Understanding IRAs (CE)
$25.95
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General: 9 Credits

As an investment professional, Individual Retirement Accounts (IRAs) are a natural place to start helping your clients with retirement planning. The IRA is a powerful tax-advantaged investing tool that helps clients retire in dignity. There are several types of IRAs as of 2020: traditional IRAs, Roth IRAs, SEP IRAs, and SIMPLE IRAs. This series gives you a better understanding of IRA types and some of the decisions your clients may face in planning for retirement. This course is not Texas classroom equivalent. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 61675

Variable Universal Life I (CE)
$14.00
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General: 2 Credits

This course examines the conditions (economic, legislative and other) that gave impetus to the development of the variable universal life (VUL) products. It also discusses the ways in which it is similar to and different from variable life and universal life insurance. Finally, and most importantly, we will look closely at the features of the product. FL Agents: Eligible License CE 2-16 - Life | Advanced. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 46044

Training Topics

- Factors Stimulating Development - Universal Life Similarities - Variable Life Similarities - Insurance Charges - Policyowner Rights - Policyowner Cash Access - VA, VLI, and VUL Compared - Riders - Variable Subaccount Options - FINRA Guidance - Identifying Suitable VUL Customers

Dual Credit

ASPPA
CFP
CFA
CFFP
IWI
NAPA
NTSA
Variable Universal Life II (CE)
$14.95
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General: 1.5 Credits

Building from Variable Universal Life Insurance I that variable universal life insurance (VUL) combines the flexibility of universal life insurance (UL) with the policyowner ability to direct the investment of cash values that is a hallmark of variable life insurance (VLI). * This course is not Texas classroom equivalent.

Training Topics

- The VUL Product - VUL Investment - Managing VUL Subaccount Volatility - Premium and Cash Value Tax Treatment - Cash Value Access - Benefits Paid at Death - Modified Endowment Contracts - Suitability - FINRA Guidance - Personal Market Applications - Business Market Applications

Dual Credit

ASPPA
CFP
CFA
CFFP
IWI
NAPA
NTSA
PRP