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Education and Training

Recorded Web Courses

InFRE is proud to offer continuing education via recorded Web Courses. These sessions are typically one to three hours long on timely topics with high value to retirement education professionals.

If you wish to receive CE credit for each web course, you have to complete an online quiz after viewing.

The Benefits of Staying Productive During Retirement Presenter: Barbara Butrica Date recorded: February 26, 2008 Time: 1 Hour and 30 Minutes CEU: 1.5 CE Click here for complete description.	$ 49.00
A Comprehensive Approach to Retirement Education: The Retirement Well-Being Model Presenter: John Nelson, CRC^Ž Date recorded: December 17, 2007 Time: 1 Hour and 30 Minutes CEU: 1.5 CE Click here for a complete description.	$ 49.00
A New Model for Retirement Education and Counseling Presenter: Mary Willett, CRA^SM, CRC, Willett Consulting and Ruth Helman, Research Director, Mathew Greenwald and Associates Date recorded: November 27, 2007 Time: 1 Hour and 30 Minutes CEU: 1.5 CE Click here for a complete description.	$ 49.00
Presentation Tips and How-To's for Better Serving the Mid-Market Presenter: Joe Tabers, CSP Date recorded: June 26, 2007 Time: 1 Hour and 30 Minutes CEU: 1.5 CE Click here for a complete description.	$ 49.00
Changing Behavior or Changing Attitudes: Which Comes First? Presenter: Diane Savage, CFP^Ž, CRC Date recorded: May 24, 2007 Time: 1 Hour and 30 Minutes CEU: 1.5 CE Click here for a complete description.	$ 49.00
Retirement as a Time to Reinvent, Rewire and Renew: Educating Employees about Total Retirement Planning Presenter: Diane Savage, CFP, CRC Date recorded: January 17, 2007 Time: 1 Hour and 30 Minutes CEU: 1.5 CE Click here for a complete description.	$ 49.00
An InFRE Course in Ethics Presenter: Diane Savage, CFP, CRC Date recorded: October 18, 2006 Time: 2 Hours CEU: 2.0 CE Click here for a complete description.	$ 49.00
Targeted Personalized Communications: A realistic approach for improving defined contribution plan utilization in todays corporate environment Presenter: Dr. Richard D. Glass, CEBS, CRC Date recorded: September 21, 2006 Time: 1 Hour and 30 Minutes CEU: 1.5 CE Click here for a complete description.	$ 49.00
Special Insights into Retirement Plan Fee Structures: Why this insight is important, who it affects, and how to negotiate more effectively Presenter: Matthew D. Hutcheson, CPC, AIFA^Ž, CRA/CRC Date recorded: August 31, 2006 Time: 1 Hour and 30 Minutes CEU: 1.5 CE Click here for a complete description.	$ 49.00
Understanding Communication Styles for More Effective Retirement Relations Presenter: Joe Tabers, CSP Date recorded: August 8, 2006 Time: 1 Hour and 30 Minutes CEU: 1.5 CE Click here for a complete description.	$ 49.00
Introduction to Managing Your Retirement Income Presenter: Kevin Seibert, CFP, CEBS, CRC Date recorded: April 13, 2006 Time: 1 Hour and 30 Minutes CEU: 1.5 CE Click here for a complete description.	$ 49.00
Designing Your Life in Retirement Presenter: Steven Shagrin, CFP, ChFC, CRC Date recorded: March 28, 2006 Time: 1 Hour and 30 Minutes CEU: 1.5 CE Click here for a complete description.	$ 49.00
Women and Retirement Presenter: Cheryl Farrell, CFP, CLU, ChFC, CRC, CASL, AEP, MSFS Date recorded: March 8, 2006 Time: 1 Hour and 30 Minutes CEU: 1.5 CE Click here for a complete description.	$ 49.00
The Concept of Retirement Readiness is on Center Stage at the National Level. Presenter: John Nelson, CRC Date recorded: February 2, 2006 Time: 1 Hour and 30 Minutes CEU: 1.5 CE Click here for a complete description.	$ 49.00

The Benefits of Staying Productive During Retirement

Have you ever wondered why some retirees seem happy, healthy and engaged while others do not? There are important benefits to staying productive during retirement when productivity is defined as paid work, care giving, and volunteering. How older adults stay engaged in productive activities varies by age, health status, and other personal characteristics. Retirement counselors can play an important role in helping to increase the number of engaged older Americans so that not only the individual benefits, but the economy and society benefit as well.

Your presenter for this session will be Barbara A. Butrica, Senior Research Associate, Urban Institute. Barbara A. Butrica is a labor economist with research interests in aging and income dynamics. Dr. Butrica currently is a Senior Research Associate at the Urban Institute where she studies issues related to the economic security of the boomer generation, retirement and pensions, Social Security, and the engagement of older adults. She previously served as an analyst at Mercer Human Resource Consulting, and as an economist at the Social Security Administration. Dr. Butrica holds a Ph.D. from Syracuse University and a B.A. from Wellesley College.

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A Comprehensive Approach to Retirement Education:
The Retirement Well-Being Model

This eye-opening presentation goes beyond the financial aspects of retirement planning and introduces a comprehensive, interdisciplinary approach: the Retirement Well-Being Model. In the past, most organizations approached retirement as a primarily financial transition, but the nature of retirement itself is changing. Current and future retirees will encounter many more obstacles - and opportunities - than their predecessors. Workers face longer life spans, more complex medical decisions, possible geographic relocations, changing social roles, and potential later life careers. These factors all have financial and non-financial ramifications.

The Retirement Well-Being Model is a practical tool which draws on emerging research from economics, psychology, medicine and other fields to provide an integrated method for designing and managing retirement education. It provides the underlying structure for the Federal Retirement Readiness Education Project, and is being implemented in nonprofit and corporate organizations as well. It's also the foundation for the new book, What Color Is Your Parachute? FOR RETIREMENT.

This presentation is a must for all retirement professionals interested in:

Understanding the changing nature of retirement.

Integrating various aspects of retirement and benefits education into a cohesive whole.

Results of the InFRE^Ž General Population Retirement Readiness Survey

Strengthening succession planning by helping workers plan more effectively for retirement.

While the Retirement Well-Being Model is deeply based in theory, it's also eminently practical. You'll come away from this session with ideas that you can implement immediately. Reserve your space now!

Your presenter will be John Nelson, CRC, coauthor of What Color Is Your Parachute? FOR RETIREMENT, and creator of the Retirement Well-Being Model. He is a Certified Retirement Counselor^Ž, and author of the "Retirement Readiness" section for the CRC 4 manual.

After many years as a pension consultant, John is earning a PhD at the University of Wisconsin, with a focus on retirement education. He is also a Research Fellow of the California Institute of Finance.

John and his work have appeared in the USA Today, the New York Times, the Washington Post, Business Week, the AARP Bulletin, Dow Jones' Marketwatch, Employee Benefit News, Investment Advisor, and other publications. John's website is www.RetirementWellBeing.com. There has never been more attention focused on helping American workers financially prepare for retirement than there is today. So why aren't Americans planning and saving more for their future years? As plan sponsors and the industry spend more time, energy and money on retirement education, why hasn't the message translated to employee actions in retirement planning?

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A New Model for Retirement Education and Counseling

There has never been more attention focused on helping American workers financially prepare for retirement than there is today. So why aren't Americans planning and saving more for their future years? As plan sponsors and the industry spend more time, energy and money on retirement education, why hasn't the message translated to employee actions in retirement planning?

Mary Willett, CRA, CRC, Willett Consulting and Ruth Helman, Research Director, Mathew Greenwald and Associates, will delve into this issue by reviewing research conducted by InFRE and Greenwald and Associates to examine the retirement readiness of the American worker. The findings from this effort suggest a new model for retirement education and counseling that will be shared during InFRE's next thought-provoking Web course to be held on November 27.

This session will discuss research from multiple sources on the subject of retirement planning combined with original research conducted as part of the InFRE^Ž Retirement Readiness Project. The current state of retirement readiness and why workers' perceptions about their retirement futures generally don't match their actions will be explored to illustrate why the current retirement education and counseling/guidance services may not be effective.

The InFRE Retirement Readiness Profile^Ž that was developed to provide a qualitative measure of total retirement well-being will also be demonstrated, as well as how this can be used to establish a comprehensive and effective retirement education program.

Topics for this session include:

Worker perceptions and attitudes about retirement compared to the reality of their actions

The three dimensions of retirement readiness

Results of the InFRE^Ž General Population Retirement Readiness Survey

New model for retirement education and counseling that includes:

A simplified and automated plan design
Expanded message to cover three dimensions of retirement readiness
Effective education using adult learning principles
Productive and cost effective delivery methods

Your presenters for this session will be:

Mary Willett, CRA, CRC Willett Consulting: Mary is a benefit plan consultant in Oregon, Wisconsin with more than twenty years experience in the field of public employee retirement benefits. Prior to starting her consulting business in 2002, Mary was Director of the Office of Supplemental Retirement Plans and Federal Compliance for the State of Wisconsin Retirement System and was responsible for the Wisconsin Deferred Compensation Plan, an unbundled Section 457 plan. Mary was the 2001/2002 President of the National Association of Government Defined Contribution Administrators (NAGDCA) and has been involved with the International Foundation for Retirement Education (InFRE) since its inception in 1997. She serves on the InFRE Board of Standards and holds both the Certified Retirement Administrator^SM (CRA) and Certified Retirement Counselor (CRC) designations. Mary is an expert in public sector retirement plans, specializing in Section 457, 403(b) and 401(a) defined contribution plans. She has co-authored and updated textbooks used in the coursework for the CRA designation and authored many articles for various newsletters and industry publications on topics pertaining to retirement plan issues. She is also a frequent speaker at industry conferences.

Ruth Helman, Research Director, Mathew Greenwald and Associates provided invaluable insights and assistance throughout the InFRE project. She is the author of the report on the InFRE General Population Retirement Readiness Survey and is one of the primary authors of the EBRI/Greenwald Retirement Confidence Surveys that are published each year. She has also conducted numerous other studies related to retirement and health, including the EBRI/Greenwald Small Employer Retirement Surveys, Health Confidence Surveys, and Small Employer Health Benefits Surveys; the Society of Actuaries Risks and Process of Retirement Surveys, and the Allstate Retirement Reality Check Survey. Prior to joining Greenwald and Associates, Ms. Helman was the manager of Market Area Analysis for United Way of America. In this capacity, she tracked changes in public attitudes regarding United Way and other charitable organizations. Ms. Helman has post-graduate work in Statistics and Demographics from Georgetown University.

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Presentation Tips and How-To's for Better Serving the Mid-Market

Do you have the presentation skills required to be the retirement counselor of the future? As the largest generation in U.S. history starts collecting Social Security benefits in 2008, those skills will become increasingly valuable as the need for the informative and dynamic delivery of information will be an integral part of the new business model used by advisors and retirement counselors to service the mid-market.

Now, InFRE presents an opportunity for you to develop your presentation skills with "Presentation Tips and How-To's for Better Serving the Mid-Market," a special hour-and-a-half web course Tuesday, June 26, featuring Certified Speaking Professional Joe Tabers.

The Pension Protection Act of 2006 enables employers to offer financial advice in the workplace at a time when 76 million baby boomers - most of them middle-income American workers - enter their retirement years. To productively and profitably serve those who need help making a successful transition and get the most of their retirement savings, advisors will need to adopt a new retirement counseling business model requiring employee attendance at workshops or seminars to help establish a knowledge base before meeting with retirement counselors face-to-face. The retirement counselor of the future will need effective presentation skills in order to best take advantage of the opportunity to gather and retain the retirement assets of the middle market.

If you are interested in helpful presentation tips and how-to's from a pro who has presented more than 2,600 highly-rated programs for audiences in more than 40 states and three countries, this hour-and-a-half web course is for you! Join us June 26 to learn how you can:

Organize and focus your presentation for greater audience rapport and impact while avoiding common mistakes and challenges.

Prepare and deliver your message more persuasively and with greater confidence to encourage results.

Use effective action planning techniques to inspire your audience to take the necessary preparatory steps before one-on-one counseling sessions, including recording personal goals, anticipating retirement risks, risk tolerance, knowledge level, and more.

Discover proven methods to help you deliver a strong and effective presentation - including effective use of visual aids - that will inspire your audience to take action.

Your host and presenter will be Joe Tabers, CSP, an expert in improving workplace presentations, interpersonal communication skills and relationships. Over the last 20 years his team has& helped more than 400 organizations and thousands of individuals increase their workplace effectiveness by enhancing their communication skills. As a proven professional speaker, author and communication coach, Joe will help you connect better with audiences from high-level professionals to frontline workers.

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Changing Behavior or Changing Attitudes: Which Comes First?

Ever wondered why the prospect of saving for retirement is so intimidating to many Americans? What creates that fear? And what can you do to help change it?

Diane C. Savage, CFP, CRC, an independent consultant and expert in the social and psychological factors that affect retirement and its attendant financial issues, will address these and other questions as your presenter for InFREs next thought-provoking web course May 24.

Accumulating money during the working years is a critical component of retirement preparedness. But why is it some participants get the message to varying degrees, others dont get it until its too late; and some never get it at all? Share ideas and examine the relationship of motivation and alignment as they relate to financial security, as well as some approaches to framing the messages in the accumulation phase so that more participants will not only embrace the concept of saving, but turn that understanding into action.

Topics include:

Exploring the tension between "knowing what to do," yet still "not doing it."

How attitudes shape behavior, or vice versa, with regard to saving and investing.

Helping employees align actions and attitudes about saving.

Your presenter for this session will be Diane Savage, CFP, CRC who is founder and President of Goodlife, consults with both individuals and organizations interested in planning for the "new" retirement. Her knowledge and expertise in programs focusing on the psychological/social issues of retirement; financial goal setting; retirement/pre-retirement planning; financial decision-making skills; financial issues for eldercare; money decisions for women; utilizing company benefit plans; and owning your role in retirement security are nationally recognized. She also has coordinated a Successful Aging grant from The Cleveland Foundation as well as working as a Senior Retirement Consultant and national resource for financial and retirement education at Watson Wyatt.

She holds a Master's in Student Development in Higher Education from Case Western Reserve University and a B.A. in Secondary Education, English and Business from Ursuline College (Cleveland, OH).

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Retirement as a Time to Reinvent, Rewire and Renew:
Educating Employees about Total Retirement Planning

Join us for this eye-opening web course that looks beyond the financial aspects of retirement planning and provides a holistic model accounting for the many cultural, social and personal factors one faces along the way. In previous communication models, many organizations approached retirement as a primarily financial transition. But in todays increasingly complex social environment, current and future retirees face many more decisions and obstacles than their predecessors. This unique course will examine the personal meaning of retirement as well as transitioning, aging, time management and life satisfaction as these areas become increasingly relevant to pre-retirement and retirement preparation.

A must for all retirement professionals and especially for employers and plan sponsors, this web course will present suggestions to help:

evolve toward a holistic model of retirement planning.

appreciate the role of preparing employees for a real-life retirement.

strengthen employees succession planning by helping workers plan more effectively for retirement.

Your presenter for this session will be Diane Savage, CFP, CRC who consults with both individuals and organizations interested in planning for the "new retirement." Her combination of experience in education, financial services, and counseling creates a unique perspective on topics such as the psychological/social issues of retirement; financial goal setting; retirement/pre-retirement planning; financial decision-making skills; financial issues for eldercare; money decisions for women; and owning your role in retirement. Her experience includes serving as a senior consultant and resource for national retirement education at Watson Wyatt, as well as a project manager for a Successful Aging grant from The Cleveland Foundation. Diane holds a masters degree in Student Development in Higher Education from Case Western Reserve University and a B.A. in Secondary Education, English and Business from Ursuline College (Cleveland). She is a member of The Profit Sharing (401k) Council/Communications and Education Committee; Financial Planners Association; American Society on Aging; Academy of Financial Services; Association for Financial Counseling, Planning and Education.

She holds a Master's in Student Development in Higher Education from Case Western Reserve University and a B.A. in Secondary Education, English and Business from Ursuline College (Cleveland, OH).

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An InFRE Course in Ethics

This course discusses several ethical decision-making frameworks and takes a practical approach to handling ethical dilemmas in the retirement setting. A key feature of this course is the presentation of ethical tests to use in different situations. The course also addresses the role of managers in creating an ethical environment in the workplace. The InFRE Code of Ethics is presented, with several scenarios to illustrate and apply the eight principles. This session meets InFREs requirement of two hours of ethics continuing education every two years.

Diane holds a masters degree in Student Development in Higher Education from Case Western Reserve University and a B.A. in Secondary Education, English and Business from Ursuline College (Cleveland). She is a member of The Profit Sharing (401k) Council/Communications and Education Committee; Financial Planners Association; American Society on Aging; Academy of Financial Services; Association for Financial Counseling, Planning and Education.

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Targeted Personalized Communications

Learn how a targeted approach to accomplishing desired employee retirement saving and preparation behavior and maximizing employer return on investment can improve your employees' appreciation and use of your defined contribution plan. Over the last 15 years, we've learned that many workers are unable to take full advantage of their defined contribution retirement savings plan and properly prepare for retirement due to a multitude of reasons. Though some of these issues can be addressed by plan design changes now available because of the new Pension Security Act, there will still be a need for plan communication and education programs regarding saving and retirement itself. We've also learned that certain communication and education approaches are more effective than others at eliciting desired plan participant behaviors. Organizations and their providers can save time, energy and money by executing mini-education and communication programs targeted at employees with particular demographics.

Your presenter for this session will be Dr. Richard D. Glass, CEBS, CRC, President of Investment Horizons, Inc., a registered investment adviser. Investment Horizons focuses its efforts in three areas: (1) developing investment education programs and materials for the 401(k), 403(b), and 457 marketplaces, (2) helping plan sponsors and their advisors make their 401(k) plans more efficient and effective for the participant, and (3) making plan fiduciaries more cognizant of the magnitude and scope of their fiduciary responsibilities and potential liability exposures. He received his B.S. and Ph.D. from the University of Pittsburgh and did his postdoctoral work at Harvard. He is also a Certified Employee Benefits Specialist (CEBS) and Certified Retirement Counselor (CRC). His articles have appeared in periodicals such as Employee Benefits Journal, Pension and Investments, Benefits Quarterly, and Plan Sponsor. The guidebook, "Selecting Investments for Your Retirement Account" (now in its fifth edition), co-authored with Stan Marshall has sold over 150,000 copies. He is also a member of the Communication and Education Committee of the Profit Sharing/401k Council of America.

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Special Insights into Retirement Plan Fee Structures:
Why this insight is important, who it affects, and how to negotiate more effectively

Session Goals:

To empower retirement professionals with the skills needed to identify all fees associated with retirement plans, including fees beyond what is generally seen in disclosure statements, agreements/contracts and prospectuses
To help retirement professionals gain specific communication skills that will enable them to both communicate complicated fee structures to employers and ask appropriate questions of service providers to discover the answers sought
To help retirement professionals teach plan sponsors to negotiate with service providers more effectively

In this 1 1/2-hour web course Thursday, Aug. 31, we will:

Explain how 401(k), 457(f), and 403(b) plan fee structures have come to be

Identify the five fees that many plan sponsors felt were hidden before discovering and understanding them

Share how modern fees impact the ultimate retirement income a participant and their beneficiary will receive

Share several principles and verbal skills needed to engage in constructive, open fee negotiations with service providers

Explore philosophical concepts that reveal how important it is to society as a whole that plan sponsors have a better grasp of this topic

Your presenter for this session will be Matthew D. Hutcheson, CPC, AIFA, CRA, CRC. An Independent Pension Fiduciary, Mr. Hutcheson consults with sponsors of 401(k), 457(f), pension and other types of retirement plans, and also serves as a named fiduciary or appointed committee member for many plans throughout the United States. He is a Congressional nominee to serve on the Department of Labors ERISA Advisory Council. He also is an author, speaker, legal consultant and host of the nationally syndicated weekly radio show, The Retirement Hour with Matt Hutcheson. Mr. Hutcheson is the author of the text for InFRE's CRA Course #8, Retirement Plan Management: Compliance, Reporting and Ethics." He is also on the Honorary Board of Standards of the American Academy of Financial Management (AAFM), and is a Board member of the ERISA Fiduciary Guild (EFG). EFG is a non-profit organization consisting of nationally recognized Pension Fiduciary practitioners who independently serve as trustees or committee members of qualified retirement plans.

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Understanding Communication Styles for More Effective Retirement Relations

Session Goals:

To enable participants to better identify, understand and prepare to adapt to the variety of client styles encountered in one-on-one or group counseling sessions.
To assist retirement professionals obtaining more successful outcomes when meeting or counseling with various clients.

In this 1 1/2-hour web course Thursday, Aug. 8, we will:

Identify and better understand your own preferred communication style

Identify strengths, limitations and preferences of four core communication styles we most often encounter

Review and appreciate different communication strengths and weaknesses others bring to a relationship

Review some proven questions to ask yourself for effectively "adapting" your communication style in retirement counseling interactions

Prepare yourself to build more trust and to reduce relationship tension

Your presenter and host for this session will be Joe Tabers, CSP. Joe has helped hundreds of presenters and trainers enhance their interactive delivery skills and effectiveness. Using adult learning methodology, he has conducted more than 2,500 programs in more than 40 states and three countries. Among his clients are numerous pillars of the financial industry, including: Charles Schwab & Company; Chase Manhattan Bank; Standard & Poors; TIAA-CREF; and AmSouth Bank. Joe is a 22-year member of the National Speakers Association (NSA and is one of less than 10 percent of the NSA's 5,000 international members to earn the certification of Certified Speaking Professional (CSP). The CSP is the highest earned certification from the NSA. It recognizes a commitment to ongoing education, proven speaking experience, and ethical behavior.

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Introduction to Managing Your Retirement Income

The Introduction to Managing Retirement Income Course is a one-and-a-half hour session designed to help advisors and retirement counselors recognize how retirement distribution planning is different from retirement accumulation planning. Participants will be introduced to the challenges of managing income over a period of uncertain length and expense as well as how the definition of risk changes during retirement. One take-away solution summarized during the course is that the answer to retirement income management is not just asset allocation, but also income allocation.

In today's new retirement environment, where we live longer, are more active, and have higher retirement expectations than previous generations, professional retirement income management knowledge is needed now more than ever to help ensure employee retirement savings last a lifetime.

Come join us and explore:

An Introduction to the Retirement Income Management Model

The difference between retirement accumulation planning and retirement income planning

Risks faced by retirees

An overview of tax and distribution issues

An introduction to income allocation strategies

The importance of creating a lifetime income to meet essential needs

Answers to your questions

What past RIM course attendees are saying:

Very informative and necessary training for the industry.

I thought it was great and helpful-would highly recommend it.

This is the only course that focuses on the primary concern of seniors.

Very positive! Good flow. It kept my interest throughout. Really great!

Kevin Seibert, CFP, CEBS, CRC, joined InFRE in 2003 and now serves as its Managing Director. In addition to 20 years of experience in retirement benefits, financial planning, and financial education, he is regarded as an informative and motivational speaker. Mr. Seibert speaks extensively about retirement planning and income management to financial advisors, wholesaler and marketing representatives in banking, annuities, mutual fund and retail brokerage industries nationwide. Prior to InFRE, Mr. Seibert was co-founder of Balance Financial Services, a Chicago-area financial planning and consulting firm, and was responsible for the implementation of compensation and employer-provided benefit plans for William M. Mercer, Inc. He was also Director of Marketing for a New Jersey-based company specializing in the development and distribution of defined contribution and financial planning programs. He earned a Master of Business Administration in finance from the University of Wisconsin and his Bachelor of Science in finance from Miami University of Ohio. Mr. Seibert is recognized as a Certified Financial Planner by the College of Financial Planning, a Certified Employee Benefits Specialist, and a Certified Retirement Counselor.

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Designing Your Life in Retirement

We often think of retirement planning in terms of the financial factors that will provide financial security. But a successful and fulfilling retirement experience requires planning and preparation in all areas of life.

Objectives

Join us for this insightful presentation and you will:

Understand how planning is regarded as an essential tool to preparing for both the challenges and opportunities inherent in the retirement experience

See how to help individuals to identify retirement lifestyle goals that will guide the retirement planning process and provide a framework for making financial decisions

Find out if a cutting-edge, live and interactive internet-based educational program may be right for you and/or your groups needs

Your presenter for this session will be Steven S. Shagrin, President of Planning For Life, a holistic life transition, life planning and retirement education company. Better known as "Shags," he is dedicated to providing lifelong learning for adults of any age and at any life stage through his one-on-one meetings, small-group workshops, and distance-learning sessions. He has 25 years experience in retirement financial planning and modeling, and nearly 20 years as a financial consultant. Steven is also an attorney, Certified Financial Planner licensee, Chartered Retirement Planning Counselor^Ž, Certified Retirement Counselor, and an Enhanced Lifestyle Planner. He is general editor of "Facts About Retiring in the United States" (H.W. Wilson, 2001) and author of "Managing My Life: Managing My Money (Heart & Spirit, Inc., 2006). Steven received his B.B.A. from the University of Miami (FL) and his J.D. from Case Western Reserve University, with an emphasis in tax and estate planning.

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Women and Retirement

Because 70 percent of people over age 65 living in poverty are women, InFRE is proud to offer a special web course for everyone entrusted with assisting this unique part of our society achieve retirement success.

Objectives

Bring an open mind and a willingness to participate, and you will:

Learn the unique risks women face in retirement

Understand that retirement planning must focus on both partners in a marriage

How women can protect themselves from financial devastation brought on by the loss of a husband

See how benefits-based solutions can become assets during retirement

Your presenter for this session will be Cheryl Farrell, a retirement income expert who combines extensive experience with formal education in financial and estate planning, retirement income planning, and individual risk management. In the past several years, she has specialized in retirement income planning for the impending Baby Boomer retirement wave. Cheryl is a Certified Financial Planner, a Chartered Life Underwriter, a Chartered Financial Consultant, a Certified Retirement Counselor, and an Accredited Estate Planner. She holds a Master of Science in Financial Services from The American College, a bachelor's degree in Mass Communication from the University of Wisconsin, and is a retired field grade officer who served 20 years with the Army National Guard.

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The concept of Retirement Readiness is on center stage at the national level.

Does the average worker really know what it takes to be retirement ready?

With the first Baby Boomers approaching retirement, national attention is focused on their state of Retirement Readiness. How well prepared will they be for retirement? Only time will tell.

But on a more practical level, for better serving the client and employees you work with every day, what does Retirement Readiness mean? Does it happen only as they approach retirement, or across their whole career?

Whether you think in terms of the 70-85% rule-of-thumb for retirement income or the latest Monte-Carlo analysis finances are only one dimension of Retirement Readiness.

Concerns over medical care and the ever-lengthening life span are now causing people to focus on their health. Also, as more retirees continue to work, simple ideas about retirement as leisure are changing. Should engagementfor pay or notbe part of their retirement planning as well? How are these issues different for those with plenty of money, versus those who will just squeak by?

In this hour-and-a-half web course recorded on February 2, 2006 we will explore:

The three dimensions of Retirement Readiness.

The six kinds of knowledge that help people prepare for retirement well-being.

A simple, practical model you can put to work right away.

Where to go for worksheets and checklists that can complement your financial materials.

Answers to your retirement readiness questions (live phone or e-mail questions).

Join our presenter, John Nelson, CRC for the latest thinking on how all these parts of the puzzle fit together for retirement education. Hes the author of the Retirement Readiness chapter in the latest edition of the CRC 4 course, and is also author of a forthcoming book on retirement. John is both a Certified Retirement Counselor and an Accredited Investment Fiduciary Auditor who, after many years as a pension consultant, is completing a PhD in Retirement Education at the University of Wisconsin.

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