Retirement planning: a guide for pros
What customers ask, how to win the job, and what to put on your profile.
Offering retirement planning
Pre-retirees want calm, clear guidance and honest limits. Explaining your process and conflicts of interest early helps them trust you.
What customers ask
- Can I retire when I want?
- Should I roll over my old account?
- When should I take benefits?
- How are you paid?
- What do you need from me?
How to win the job
- Ask the client for a list of accounts, pensions and benefits before the first meeting
- Explain how you are paid and any conflicts in writing
- Describe your process from data gathering to review
- Say plainly that you cannot promise outcomes
- Offer to coordinate with their CPA or enrolled agent
- Avoid pressure to move accounts
What to put on your profile
- Credentials and registrations
- Compensation method in words
- Clients you serve, such as pre-retirees and business owners
- Your planning steps
Follow-up that helps the customer
- Schedule a yearly review
- Send a summary of action items
- Remind clients to update beneficiary forms with the account holders
Licenses and permits
Hold the licenses and registrations required for the investment or insurance activities you perform, and follow disclosure rules for retirement accounts.
Questions
Can I promise a retirement date or income?
No. Describe assumptions and risks.
Should I recommend a rollover?
Only if licensed and after disclosing costs and conflicts, and after considering the client's situation.
Pro reviewers
Pros who offer retirement planning remotely can improve this guide, like Wikipedia. We check every edit before it goes live. Every approved edit is credited in the edit history and on the pro's profile.
Edit history
- Oct 29, 2026: Drafted by infinibell to our content guidelines.
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