About InFRE

The International Foundation for Retirement Education® (InFRE) is a non-profit 501(c)(3) organization founded in 1997. Our mission is to raise the retirement readiness of the American worker. With InFRE, retirement-focused professionals have access to quality education and tools so they can assist employees and clients with their retirement preparedness needs. This way, everyone can face a more secure future. The purposes for which InFRE was formed are:

  • Emphasize the need for individual and family personal responsibility in retirement planning and saving
  • Contribute to both national and family economic security by increasing awareness of the need for personal responsibility in retirement planning on the part of individuals and families
  • Provide an ongoing forum for industry, government and educators to be the voice and identifier of retirement risks and realities for the benefit of the general public
  • Protect the general public by advancing recognition among retirement planning professionals of the need for continuing education, a code of ethics, and professional certification for retirement plan counselors.

We fulfill our mission and purpose by:

  • Providing the most effective and credible retirement-specific curriculum, certification and certificate training courses in the industry
  • Being the leading identifier and voice for professional and employee retirement education issues that need to be addressed
  • Being the “go to” industry resource for retirement income management professional continuing education, methodology and tools
  • Being the leading preparer of qualified retirement planning graduates from higher education institutions
  • Creating educational products that apply research-based methods for retirement professionals to use when teaching and counseling the American worker to achieve retirement security.

Our curriculum includes research-based planning models and methods to objectively prepare:

  • Retirement professionals/advisors
  • Plan sponsors, administrators, trustees, benefits counselors, human resource professionals
  • Representatives of retirement product and service providers
  • Students participating in university personal financial planning program
Why InFRE is needed

A retirement “perfect storm” has been brewing in the United States and across the world:

  • The baby boomers are beginning to enter their retirement years, yet they need more thorough education and qualified counseling if they are to effectively plan and manage their retirement.
  • People are living in retirement for longer than ever before.
  • Fundamental changes are underway or foreseen in employer-sponsored pension plans, Social Security and the Medicare system.
  • Our nation’s savings rate is lower than it has ever been. Retirement assets need to last longer than ever before. Combined, this makes an informed decision about when to retire and how much should be withdrawn from savings critical for many pre-retirees.
  • Retirees face medical and long-term care expenses of unknown cost and length.
  • New retirement products and investment management methods are being introduced regularly to meet retirees’ needs for lifetime income and flexibility.
  • The definition of retirement is changing as people now phase into their retirement with bridge jobs, new careers or businesses, and people have to make decisions about where they will live and what they need to do to become retirement ready.

The confluence of these factors makes the jobs of retirement counselors and administrators increasingly difficult and complex — while at the same time increasingly more important. Moreover, many of the individuals who today are advising the American worker on how to achieve a secure and rewarding retirement have not been specifically trained and equipped to deal with these issues, particularly on the distribution side of the equation. These professionals have also not had access to quality educational materials to properly educate their employees and clients.

InFRE’s goal is to provide credible retirement certifications and objective educational tools to help retirement professionals increase the retirement preparedness of the American worker.