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What will you learn about?

  • Describe the holistic approach to the retirement planning process.
  • Determine the retirement income needs of a client.
  • Differentiate between the emotional and financial concerns associated with each of the retirement life stages.
  • Recommend strategies to minimize taxes payable in retirement.
  • List the questions that an advisor should consider when advising clients on their retirement planning process.
  • Explain the value of contributing early and regularly to a retirement savings plan.
  • Explain the characteristics of registered retirement savings plans, including their advantages and disadvantages.
  • Explain the registered retirement savings plan contribution rules.
  • Describe the different types of registered retirement savings plan accounts and identify the investments that qualify to be held in a registered retirement savings plan.
  • Explain clients’ options for their registered retirement savings plans before, during, and after retirement.
  • Explain the types of employer-sponsored pension plans, along with the rules governing each type.
  • Explain how to make the best use of a registered retirement savings plan during retirement.
  • Describe the strategies that clients can use to make the best use of their registered retirement income fund accounts.
  • Distinguish among locked-in retirement plan options and assess their impact on retirement planning.
  • Explain the key features, benefits, terms, and conditions of the Canada Pension Plan/Quebec Pension Plan.
  • List the factors that should be taken into consideration when helping clients decide when to begin collecting CPP/QPP benefits.
  • Explain the key features, benefits, eligibility rules, and tax considerations for the Old Age Security program.

How will you learn?

CSI’s online learning system helps you meet your study goals. You’ll benefit from:

  • Learning objectives and goals that keep you focused
  • Interactive tools to help you evaluate and apply course material
  • Course updates
  • Assistance from CSI’s academic support specialists

The REPL course consists of four independent modules. Each module includes PDF files, learning activities, and an online quiz.

What is the course syllabus?

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Module 1 – Retirement Planning Process CIRO CE PD Credits: 2

In this module, we discuss a holistic approach to the retirement planning process that factors in all sources of retirement income. We explain how to determine a client’s income needs during retirement and suggest some strategies to manage an income shortfall. Finally, we provide some general strategies that clients can use to reduce their taxes and increase their income during retirement.

Topics covered in this module:

  • Employer-Sponsored Registered Retirement Plans
  • Funding Retirement

Module 2 – Retirement Savings Plans CIRO CE PD Credits: 2

In this module, we discuss all aspects of registered retirement savings plans that are set up as savings vehicles for retirement.

Topics covered in this module:

  • Preparing to Fund Retirement
  • An Overview of Registered Retirement Savings Plans
  • Registered Retirement Savings Plan Contribution Rules
  • Management of RRSP Accounts What Clients Should Know About their Registered Retirement Savings Plans

Module 3 – Employer-Sponsored Pension Funds CIRO CE PD Credits: 3

In this module, we discuss all aspects of employer-sponsored registered pension plans, which are a form of savings vehicle for retirement. We also look at the crucial matter of funding retirement using registered retirement income funds and locked-in accounts.

Topics covered in this module:

  • Employer-Sponsored Registered Retirement Plans
  • Funding Retirement

Module 4 – Government Pension Programs CIRO CE PD Credits: 2

In this module, we discuss the main government pension programs, including the Canada and Quebec Pension Plans and Old Age Security, which are set up to provide pension income and other benefits to Canadians during their retirement.

Topics covered in this module:

  • Government Pension Plans
  • Old Age Security program

Module and Course Completion

Upon successfully completing each course module (by completing the module’s online quiz), you will earn multi-jurisdictional continuing education (CE) credits as shown in the table below. Thus, you will earn CE credits incrementally as you progress through the course.

Once you complete all modules in this course, you will have completed the full course. You can then download a Notice of Course Completion through your student profile. This notice will remain on your profile as formal confirmation of your course completion.