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. This book provides a scientifically-based and practitioner-developed, retirement-income planning curriculum in support of earning the Retirement Management Advisor (RMA) online certificate and designation, offered by the Investments & Wealth Institute