What RMA® Graduates Say About Their Experience

Here’s what the newest group of Retirement Management Analyst® graduates have to say about how they plan to use their new knowledge. Learn more about the value of the RMA in the Fiduciary Age in a February 15 webinar presented by RIIA’s Chairman and Executive Director, Francois Gadenne.  Join the next RMA class beginning February 6, 2017 (course introduction has been extended to two weeks, actual coursework begins February 21st).

Adam Bryan is a RIIA® board member and wanted to “walk the talk”. Adam met Francois Gadenne, RIIA’s Executive Director, in 2008 while running DTCC’s Insurance and Retirement business vertical. Joining forces, they created the first prototype of DTCC’s Data Analytics service.

Adam will use his RMA “toolbox” to offer better thought processes to individuals looking to build their financial literacy.

Manuel J. Espinosa is a financial planner and Investment Advisor with Alameda Financial Group in San José, California, and a Principal at The Phoenix Group, a management consultancy firm. With his newly acquired RMA designation Manuel will help mid-to-small companies with their retirement planning as well as underserved segments of our communities, particularly the so-called “unbanked”, to help them build security and financial freedom in their senior years.

Manuel adds his RMA designation to his education and licensing which includes: Series 7 and Series 66, a California Insurance License for working on Variable Contracts, and the Professional Plan Consultant (PPC™) designation as an ERISA 3(21) fiduciary. He is also a Certified Financial Education Instructor (CFEI).

Martin C. Johnson, President & Senior Planner, 361 Financial Planning, Inc., is a fee-only financial planner and Registered Investment Advisor in Walnut Creek, California. With his newly acquired RMA designation Martin will help teachers, principals, and other government employees with their retirement planning.

Martin adds his RMA designation to his education and licensing which includes an MBA, a Juris Doctor (J.D.), Series 7 and Series 65 securities license, a California Insurance Life and Property and Casualty licenses, and a CTEC Registered Tax Preparer.

Brad Noren’s future plans as an RMA graduate are currently in a state of flux. He retired last summer after a fairly long run as a physics teacher in Chicago, having worked previously for many years within the financial services industry.

Brad found it interesting to utilize the RMA Toolkit to do his own Household Balance Sheet — incorporating joint retirement savings, his new pension, and the combined Human and Social capital of himself and his wife. The RMA case study was a good model for his own real-world application.

Lucas Minton owns Minton Wealth Strategies, a small boutique firm that caters to business owners and retirees, two groups that understand and appreciate what he does with minimizing risk and maximizing cash flow.

Lucas’ broker dealer, HDVest, has a holistic approach toward asset management, so the decision to become an RMA was a natural outgrowth of his personal convictions and the atmosphere at his broker dealer.

Lucas says, “I can already tell how the RMA coursework has changed the way I perceive my client’s risks exposures and how the “safety first” mantra of RIIA is permeating everything I do. I believe that as time passes and the retiree population grows further there will be an increasing desire to utilize income experts and retirement savvy planners. Additionally I believe that the RMA coursework puts me at the advantage when it comes to speaking to clients concisely about their retirement needs and puts me on the cutting edge of retirement portfolio construction.”

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