Retirement Income Industry Association

The View Across The Silos

Advanced Advisor Education

Learn about the Retirement Management Analyst Designation®.

Why the RMA® designation?

Your near-retirement age clients are looking for expertise in retirement income planning. If you don’t have it, they will find someone who does.

Retirement is a big life transition, and a scary one. The average financial advisor does not have the training and expertise needed to adequately assist clients going through this transition.

The RMA® designation equips you with the knowledge you need to speak the language of retirement focused clients and to learn how to build a plan that focuses on safety first — something the accumulation mindset does not address.

With the RMA® designation, you’ll find your age 50+ clients see you in a whole new light; as a trusted retirement advisor.

The result: a noticeable increase in client satisfaction, additional assets and more referrals.

Learn to Use the RMA® Signposts.

Become proficient in the competencies of retirement income and watch your business grow because you will be learning about these four “signpost” areas that define the RMA® body of knowledge:


The key components of the Client Diagnostic Kit (Chapters 1, 2, 3 in the RMA® Curriculum Book available on Amazon) are:

  • Measures of Fundedness and the Client Segmentation Matrix
  • Fundamental Planning Strategies (Investment, Goals and Product-based)
  • Household Balance Sheet View, Benchmarks and Analysis


The Retirement Allocations are “Risk Management Allocations” (Chapter 4 of the RMA® Curriculum Book) and include:

  • Risk Retention by the client, addressed by diversification among risky assets
  • Risk Management by the client, addressed by giving up future potential to limit downside losses in the future
  • Risk Pooling by the client, addressed by entering into personalized contracts and agreements that create pools/groups
  • Risk Avoidance by the client, addressed by using a range of risk-free assets


The key components of the RMA® Toolbox (Chapters 5 and 6 of the RMA® Curriculum Book) are:

  • Implementation Process Approaches (e.g. SWP, Ladders, Buckets, etc.)
  • Account Locations (aka Tax Diversification)
  • Product Selections (e.g. Stocks, Bonds, Mutual Funds, TDFs, Annuities, etc.)


The key components of Practice Management (Chapter 7 of the RMA® Curriculum Book) are:

  • Ethics
  • Implementation
  • Monitoring

Sign up for the RMA designation today.

Achieve the Highest Level of Success in Providing
Retirement Income Solutions

To achieve the highest level of success in providing retirement income solutions to clients, financial advisors must go beyond today’s conventional wisdom to embrace a new and much more complete process.

Capitalizing on RIIA’s unique “View Across the Silos” perspective, the cutting edge RMA® designation is a rigorous educational and ethics training curriculum that focuses on building the retirement plan to mitigate risks and mastering the advisory process.

The RMA advisors learn the distinctive methods for:

  • implementing a four-part planning framework that starts with 1) the Client Diagnostic Kit that generates 2) the Retirement Allocations that are built using 3) the RMA Toolbox in the context of 4) the RMA Practice Management guidelines
  • using the client’s cash flow and balance sheet to determine the appropriate application of investment-based planning, goals-based planning, and product-based planning
  • comprehensive retirement planning based on the household balance sheet
  • generating secure retirement income allocations protected by four broad risk-management techniques to build Upside, Floor, Longevity, and Reserves porfolios
  • focusing on clients needs, goals and successful outcomes, in addition to traditional investment returns and performance
  • a cross-silo approach that embraces products across the investment, banking and insurance spectrum.

Read More about our History and Future Expectations

In 2010, Kerry Pechter, Editor of Retirement Income Journal, offered his view on three important characteristics that define RIIA and the birth of the new designation, the Retirement Management Analyst RMA®.

In 2015, Kerry updated his initial article to mark RIIA’s 10th Anniversary and we published an update to RIIA’s foundational white paper.

Read about the Value, Opportunity, and Vision of the The Retirement Management Analyst Designation® in the form of a webpage that you can share with your colleagues, prospects and clients.