Learning Partner

Advanced Retirement Income Planning (2022 Edition)


  • CFP® and QAFP® certificants: 8 CE credits in the Financial Planning category
  • MFDA: 8 PD credits
  • IIROC: 8 PD credits, Cycle 9 (2022-2023)
  • Life Agents (provincial requirements): 8 hrs in ON, 5 hrs in SK (subject to an annual maximum of 5 in non-insurance subjects)
  • CLUs: Not Institute accredited, but will likely qualify for 8 Institute-approved Professional Development credits. See What's the difference?
  • CPAs: 8 verifiable CPD hours

FORMAT: Course Notes in PDF format (print them or read them online) and an online Quiz. 

COURSE DESCRIPTION: Your client is about to retire and needs to draw a specified amount from his savings each year to be able to maintain his lifestyle. Using conservative assumptions about the rate of return on his investments, inflation, life expectancy, etc., your firm’s retirement income calculator forecasts that the client has enough money to retire. The forecast assumes that the assumptions you used will hold true over the retiree’s lifetime - but how realistic is that?

Jim Otar’s course, Advanced Retirement Income Planning, explores the probability of a retirement income forecast going awry by applying over 100 years of market history to stress test the plan. You will learn how “aftcasting” can highlight vulnerabilities in your client’s retirement income plan, and help you make recommendations to provide a more secure retirement income.

The 2022 edition of this course has been expanded to include a detailed overview of Income Allocation and how it can make the decision-making process simpler. Also, the topic of inflation, as well as the warning signals have been updated. 

Jim is the author of “Unveiling the Retirement Myth” and has written many articles for Investment Executive, Advisor.ca, Canadian Money Saver, financialplanning.com, and more. His articles on retirement planning won him the prestigious CFP-Board Award in the United States two years in a row!

As a bonus, when you successfully complete this course, Jim will send you a copy of his aftcast and ALDA spreadsheets upon request.

      NOTE: You have six months from time of purchase to complete this course.

      PUBLISHED: July 2022

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