The Value of an RMA®

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.

(See which companies have the RMA as an approved designation.  For more 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, click here.)

With the experience gained through achieving the RMA designation, you’ll be well positioned to increase client satisfaction, grow assets and increase referrals.

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 SilosSM” 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 portfolios
  • 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.

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.

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