Description - Retirement Planning by Life Stage

How to order: Click on the Add to Cart button on the Course Catalogue page. If you have a coupon code, put it in the coupon code box and the discount will be applied to your order. (Remember to register on CLIFE first!) After you pay for your order with your credit card, you will receive an email with a link to download the Course. You can then use the link provided to read the Course on your computer or print it off.

Test: You will be sent a link to the test in the same email that has your course link. You must login with the username and password you created in your registration to do the test; no login is required for the course.

Certificate: Download your Certificate after successfully completing the test.


Course Description

This three-credit course suggests three life stages by which you can classify your clients while planning their finances with the goal of retirement in mind:

  • The Thinking Stage when retirement is an abstract concept and, though there are many competing financial considerations, some important groundwork can be laid;
  • The Anticipating Stage when retirement is real and looming in the not-so-distant future;
  • The Experiencing Stage when retirement has arrived.

Each stage has considerations around asset creation and protection, life insurance needs, and pension planning.


  • what advice can you provide if a client considers commuting a pension?
  • what information can you provide about mortgage life insurance?
  • what factor, within the client’s control, can have a major impact on retirement income?
  • what is best done with an inheritance?
  • how can retirement savings and income be created for those without earned income?
  • what is the difference between an insured retirement plan and an insured annuity?
  • how is OAS changing?
  • where are the opportunities for life insurance sales and advice?

Retirement Planning by Life Stage provides answers to these questions in an overview of some of the issues that arise during the different ages and stages. It also provides ideas and information you can use with your clients throughout your business relationship.

Click here for an extract.


Provincial Life Credits: 3 credits in BC, AB, SK, MB, ON
CFP® Professionals: 3 credits (Financial Planning)

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