Paperback. This book provides a desktop reference of glossary terms and key best practices to complement the RMA Curriculum Book, which provides an advanced education combining a scientifically-based and practitioner-developed, retirement-income planning curriculum in support of earning the Retirement Management Analyst (RMA) designation. The RMA designation, created by the Retirement Income Industry Association (RIIA), is a rigorous educational and ethics training that focuses on building the retirement plan to mitigate risks and to master the retirement-planning advisory process. Financial professionals who take and pass the examination to earn the RMA designation are uniquely prepared to deliver retirement-income solutions and services to clients who want a secure income stream and ongoing professional management throughout their retirement years. This book is intended for financial professionals, including: asset managers, licensed agents and representatives of broker/dealers, registered investment advisors, and certified financial advisors (both in the retail and the employer-sponsored plan sectors). These professionals can expect this book to help them: - Organize their thoughts about their clients' financial situations - Reach conclusions about their clients' retirement-income needs - Recommend appropriate retirement-income plans - Explain why the plans make sense - Implement the plans by changing the clients' allocations to risk-management techniques, thus enabling them to purchase a better mix of products - Take the examination for RIIA's RMA designation The focus of the book is to "Build a Floor and Create Upside Potential." Most investment professionals specialize in managing client assets, with an eye toward maximizing accumulation during the clients' working lives. The duties of Retirement Management Professionals, however, are broader. These advisors need to manage their clients' complete household balance sheet assets and liabilities as well as the matching cash flows, with an eye toward minimizing a broad range of risks during their clients' retirements. RIIA developed a hub-and-spoke framework to organize retirement-income solutions. The framework has seven chapters - a hub, five spokes and an integrative process. The client is the hub, and the spokes are the steps in a process of integration and monitoring. RIIA calls them "spokes" rather than "steps" for two reasons. First, they represent a cyclical process of interaction with the client that has no specific beginning or end. Secondly, each one strengthens the relationship between advisor and client. The objective is to identify the proper, client-matched strategies that will build a floor and create upside potential. RIIA assumes that, during retirement, clients will need a customized level of income ("a floor") from guaranteed or low-risk sources, as well as the potential for growth through exposure to risky assets (the "upside"). One size does not fit all. Building a portfolio for retirement income isn't necessarily harder than building a portfolio for asset accumulation, but it does require a deeper assessment of the client's needs. The investment of more time at the beginning of the relationship can pay off, however, in the creation of satisfied clients whose assets will be "stickier" and who will bring additional advisory opportunities. This item is printed on demand. Shipping may be from our UK warehouse or from our Australian or US warehouses, depending on stock availability.

Codice articolo 9781514601990

Contatta il venditore

Segnala questo articolo

Dati bibliografici

Titolo: The Desktop Reference 2015 (Paperback)
Editore: Createspace Independent Publishing Platform
Data di pubblicazione: 2015
Lingua: Inglese
ISBN 10: 1514601990
ISBN 13: 9781514601990
Rilegatura: Paperback
Edizione: quinta edizione o successive
Condizione: new

Descrizione articolo

Riassunto

This book provides a desktop reference of glossary terms and key best practices to complement the RMA Curriculum Book, which provides an advanced education combining a scientifically-based and practitioner-developed, retirement-income planning curriculum in support of earning the Retirement Management Analyst (RMA) designation. The RMA designation, created by the Retirement Income Industry Association (RIIA), is a rigorous educational and ethics training that focuses on building the retirement plan to mitigate risks and to master the retirement-planning advisory process. Financial professionals who take and pass the examination to earn the RMA designation are uniquely prepared to deliver retirement-income solutions and services to clients who want a secure income stream and ongoing professional management throughout their retirement years. This book is intended for financial professionals, including: asset managers, licensed agents and representatives of broker/dealers, registered investment advisors, and certified financial advisors (both in the retail and the employer-sponsored plan sectors). These professionals can expect this book to help them: - Organize their thoughts about their clients’ financial situations - Reach conclusions about their clients’ retirement-income needs - Recommend appropriate retirement-income plans - Explain why the plans make sense - Implement the plans by changing the clients’ allocations to risk-management techniques, thus enabling them to purchase a better mix of products - Take the examination for RIIA’s RMA designation The focus of the book is to “Build a Floor and Create Upside Potential.” Most investment professionals specialize in managing client assets, with an eye toward maximizing accumulation during the clients’ working lives. The duties of Retirement Management Professionals, however, are broader. These advisors need to manage their clients’ complete household balance sheet assets and liabilities as well as the matching cash flows, with an eye toward minimizing a broad range of risks during their clients’ retirements. RIIA developed a hub-and-spoke framework to organize retirement-income solutions. The framework has seven chapters – a hub, five spokes and an integrative process. The client is the hub, and the spokes are the steps in a process of integration and monitoring. RIIA calls them “spokes” rather than “steps” for two reasons. First, they represent a cyclical process of interaction with the client that has no specific beginning or end. Secondly, each one strengthens the relationship between advisor and client. The objective is to identify the proper, client-matched strategies that will build a floor and create upside potential. RIIA assumes that, during retirement, clients will need a customized level of income (“a floor”) from guaranteed or low-risk sources, as well as the potential for growth through exposure to risky assets (the “upside”). One size does not fit all. Building a portfolio for retirement income isn’t necessarily harder than building a portfolio for asset accumulation, but it does require a deeper assessment of the client’s needs. The investment of more time at the beginning of the relationship can pay off, however, in the creation of satisfied clients whose assets will be “stickier” and who will bring additional advisory opportunities.

Informazioni sull'autore

This is not the book of a single voice announcing change, disruption and innovation; it offers many voices that not only announce what is coming but also live it, and earn a living from it, on a daily basis. The primary author is Fran�ois Gadenne, but section authors include: Craig Adamson Dana Anspach Tamara Burden Sean Ciemiewicz Dirk Cotton David Grand Michael Lonier Brett Machtig John Mulligan G. Bradley Owen Christine G. Russell Kerry Uffman Judy Zaiken Mike Zwecher Mr. Gadenne, RMA, CFA, is Co-founder, Chairman and Executive Director of the Retirement Income Industry Association, (RIIA). RIIA was founded in 2006 to help solve the retirement problem by: -Discovering the new realities of retirement -Providing an objective and inclusive view across the business silos -Developing its findings into innovative solutions This problem and its matching Boomer demographics drive three fundamental disruptions for the financial industry: -The presence of client risks and needs not addressed by traditional investment management -Solutions that exist outside of traditional investment management business models -Academic justifications and practice validations that expand beyond the traditional focus on wealth RIIA's unique culture brings the retirement-income industry together with a View Across Silos creating an unbiased forum offering: -Diverse discussions (Events, Publications) -Advanced advisor education -Market insight and research -Consumer thought leadership RIIA members span the entire industry and include banks, insurers, mutual fund companies, brokerage houses, financial advisors and distributors, plan sponsors, researchers, technology companies, marketing firms, academics, and industry media. One of RIIA's key roles is to vet retirement solutions, processes, and products, publish those that pass the vetting process, and educate advisors about their proper use. For over 30 years, Fran�ois has led teams that build successful technology solutions for the financial industry. His background combines a history of entrepreneurship, experience at financial service organizations, and corporate strategy consulting.

Le informazioni nella sezione "Su questo libro" possono far riferimento a edizioni diverse di questo titolo.

Descrizione libreria

Online business

Visita la pagina della libreria

Informazioni sull'azienda del venditore

ABC BOOKS LIMITED
10 John Street, London, WC1N 2EB, United Kingdom

Condizioni di vendita e spedizione

Condizioni di vendita

Orders can be returned within 30 days of receipt.

Diritto di recesso

Se sei un consumatore puoi recedere dal contratto in conformit� con quanto segue. Per Consumatore si intende qualsiasi persona fisica che agisce per scopi estranei alla propria attivit� commerciale, imprenditoriale, artigianale o professionale.

Informazioni sul diritto di recesso

Diritto legale di recesso

Hai il diritto di recedere dal presente contratto entro 14 giorni senza fornire alcuna motivazione.

Il periodo di recesso scade dopo 14 giorni dal giorno in cui tu o una terza parte, diversa dal vettore e da te indicata, acquisisce il possesso fisico dell'ultimo bene o dell'ultimo lotto o pezzo.

Per esercitare il diritto di recesso, compila e invia elettronicamente una dichiarazione esplicita sul nostro sito Web, alla voce “I miei acquisti” nella sezione “Mio account”. Ti comunicheremo senza indugio una conferma di ricezione di tale recesso su un supporto durevole (ad es. via e-mail).

Per rispettare il termine di recesso, � sufficiente inviare la comunicazione relativa all'esercizio del diritto di recesso prima della scadenza del periodo di recesso stesso.

Effetti del recesso

In caso di recesso dal presente contratto, ti rimborseremo tutti i pagamenti ricevuti, compresi i costi di spedizione (ad eccezione dei costi supplementari derivanti dalla tua eventuale scelta di un tipo di spedizione diverso dal tipo meno costoso di consegna standard da noi offerto).

Potremo effettuare una detrazione dal rimborso per la perdita di valore dei beni forniti, qualora tale perdita sia il risultato di una manipolazione non necessaria da parte tua.

Eseguiremo il rimborso senza indebito ritardo e non oltre 14 giorni dal giorno in cui saremo informati della tua decisione di recedere dal presente contratto.

Il rimborso sar� effettuato utilizzando lo stesso mezzo di pagamento da te usato per la transazione iniziale, salvo che tu non abbia espressamente concordato altrimenti; in ogni caso, non dovrai sostenere alcun costo quale conseguenza di tale rimborso.

Possiamo trattenere il rimborso finch� non avremo ricevuto i beni oppure finch� non avrai fornito la prova di averli rispediti, a seconda di quale condizione si verifichi per prima.

Dovrai rispedire i beni o consegnarli a CitiRetail, Stevenage, United Kingdom, senza indebito ritardo e, in ogni caso, entro 14 giorni dal giorno in cui ci hai comunicato la tua volont� di recedere dal presente contratto. Il termine � rispettato se rispedisci i beni prima della scadenza del periodo di 14 giorni. I costi diretti della restituzione dei beni saranno a tuo carico. Sei responsabile solo della diminuzione del valore dei beni risultante da una manipolazione diversa da quella necessaria per stabilire la natura, le caratteristiche e il funzionamento dei beni stessi.

Eccezioni al diritto di recesso

Il diritto di recesso non si applica a:

La fornitura di giornali, periodici o riviste ad eccezione dei contratti di abbonamento; e
La fornitura di contenuto digitale non fornito su un supporto materiale (ad es. su un CD o DVD), se al momento dell'invio dell'ordine hai accettato l'inizio dell'esecuzione e hai riconosciuto che non avresti potuto recedere una volta iniziata l'esecuzione.

Condizioni di spedizione

Please note that titles are dispatched from our US, Canadian or Australian warehouses. Delivery times specified in shipping terms. Orders ship within 2 business days. Delivery to your door then takes 7-14 days.

Tariffe di spedizione da Regno Unito a U.S.A.

Tariffe di spedizione da Regno Unito a U.S.A.
Quantit� dell'ordine	Da 7 a 60 giorni lavorativi	Da 7 a 14 giorni lavorativi
Primo articolo	EUR 43.24	EUR 43.24

I tempi di consegna sono stabiliti dai venditori e variano in base al corriere e al paese. Gli ordini che devono attraversare una dogana possono subire ritardi e spetta agli acquirenti pagare eventuali tariffe o dazi associati. I venditori possono contattarti in merito ad addebiti aggiuntivi dovuti a eventuali maggiorazioni dei costi di spedizione dei tuoi articoli.