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Pre-Retirement Planning


This course has been discontinued. Please access the Preparing for Retirement Course here

One question you may often hear as a financial professional is: "When I retire, will I have enough money to live the lifestyle I would like?" Of course, retirement means different things to different people. Some clients dream of a lifestyle of leisure while others hope to pare-back and devote their time to volunteer work. This course provides a thorough look at sources of retirement income, including personal savings, government plans and company pension plans. You'll go through a retirement needs analysis and learn the steps to prepare for retirement.

Lesson 1

  • Define Retirement
  • Retirement Independence Calculation
  • Variables
  • Disclaimer
  • Retirement Budget
  • Retirement Projections
  • Reality Check
  • Trends In Retirement Planning

Lesson 2

  • Preparing for Retirement (Pre-Retirement Planning)
  • Choosing a Retirement Age
  • Retirement Income Projection
  • Registered Retirement Savings Plans
  • RRSP Contribution Limits
  • RRSP Carry-Forward And Overcontributions
  • Lump Sum Payments to an RRSP
  • Shared Income
  • Planning Opportunities
  • Spousal Plans
  • Early, Continuous and Over-Contributions
  • Types
  • Advantages/Disadvantages
  • Q&A's About RRSP's
  • Retirement Savings beyond RRSPs and RPPs
  • Leveraged Deferred Compensation Plan
  • Retirement Compensation Agreement
  • Individual Pension Plans
  • Supplemental Executive Retirement Plans
  • Developing an Asset Allocation Strategy for Retirement

Lesson 3

  • Government Pension Programs
  • Old Age Security (OAS)
  • Guaranteed Income Supplement (GIS)
  • Registered Pension Plans
  • Types
  • Contribution limits
  • Provincial Rules
  • Priorities, Objectives and Constraints
  • Tax rules Applicable to retirement income
  • Deferred Profit Sharing Plans (DPSP's)
  • Integrating Pensions Into a Personal Retirement Strategy - Steps to Take When Establishing a Retirement Strategy
Quiz Format Online
Question Format Multiple Choice
Questions Per Quiz 20
Passing Grade 60%*
Attempts Allowed Unlimited*
Enrolment Period 6 months

* IMPORTANT: There is no maximum to the number of quiz attempts permitted, but only the first passing grade (60% or over) will appear on official web transcript.

Continuing Education (CE) Credits

Click the links below to access CE accreditation information. To search for specific course information, press Ctrl + F and then enter the course name to search the document for the information you are interested in.

National/Provincial (Excluding Quebec)
Download CE Chart (PDF, 163 kb)

Quebec (IQPF/CSF)
Download IQPF/CSF Chart (PDF, 182 kb)

Please note: While CSI makes every effort to ensure that the information is up-to-date, we are unfortunately unable to fully guarantee its accuracy. The information listed in the charts above may be subject to change.

For details on the organizations and other information on CE Credits listed in the above charts, please click here.