Certificate Course

Tax Efficient Retirement Income Planning


DMA™ - Retirement Income Services Specialist


This course allows advisors to develop a consistent process for multi-generational planning that looks at tax efficiency of both income and capital left for partners and beneficiaries.


Course Content

Chapter 1 | Strategy: Tax-Efficient Retirement Income Planning
Chapter 2 | First Steps: Helping Clients Envision the Plan
Chapter 3 | Three Pillars of Retirement
Chapter 4 | Pillar 1: The Old Age Security
Chapter 5 | Pillar 2: The Canada Pension Plan
Chapter 6 | Pillar 3: Self-Funded Registered Accounts
Chapter 7 | Pillar 3: Self-Funded Non-Registered Accounts
Chapter 8 | Tax-Efficient Retirement Income Planning for Employees Part 1
Chapter 9 | Tax-Efficient Retirement Income Planning for Employees Part 2
Chapter 10 | Planning for Post-Retirement and Survivors

Student Experience

The detailed approach to the tax-efficient retirement income planning thought process, as well as the online tools, were easily understood and very effective. What I liked best about this course was the understanding of the implications of taxes on household income. The calculators were particularly helpful in this area. Great tools. I also really appreciated the inclusion of Strategic Philanthropy. This is an important area to discuss with clients and one that Canadians generally need to be educated on. The Knowledge Journal was excellent, very comprehensive and a wealth of information that I will use in the future. The study group was also very effective. It allowed us to share knowledge, understanding and client experiences to enhance the information provided.

—Joan M., ON


The leading-edge program is designed to provide structure and process for advisors interested in specializing in tax-efficient retirement income planning. This is a skillset in great demand by the baby boomer demographic—the most affluent generation in our history—who seek credible, expert solutions to their complex retirement planning requirements, and view tax erosion as the biggest threat to their wealth.

What You'll Learn

This course covers a holistic retirement income planning process. You will acquire the knowledge to do a proper assessment of client vision and goals for retirement and engage them in a consistent process for addressing the three trigger questions that cause financial decision-making—life, financial, and economic events.

You'll establish a strategic “real wealth management plan” based on client needs for tax efficient income as well as after-tax capital preservation, growth and transition. You'll plan a 20-year retirement income strategy that minimizes capital encroachment to preserve as much savings as possible for uncertain futures, but in addition, averages down taxes on many layers of income sources that will be earned by a couple in retirement.

Through a variety of Advisor Think Tanks and case studies, you will demonstrate the customization of a retirement income plan and responses to specific questions pre-retirees have, like do I have enough?; when should I take my CPP pension benefit?; and what should I do with my severance package?

What’s Included

• Personal course selection consultation
• Virtual campus orientation
• Lesson and study plans
• Personal instructor email support
• Comprehensive Knowledge Journal
• EverGreen Online Research Library
• Knowledge Bureau calculators
• Testing and certification
• CE/CPD accreditation

Marking Guide

Case Studies
Final Exam
Passing Grade
Honours Achievement

All students who pass the course will receive a certificate. Students who receive a mark of 90% or better will receive a gold honours bar on their certificates.

CE | CPD Credits

Knowledge Bureau | 30 CPE credits


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Complement your online education with CE Summits. Held in November, January and May, these one-day, instructor-led workshops offer peer-to-peer learning experiences to students who prefer studying in groups.


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Knowledge Base

Tap into a comprehensive, centralized clearinghouse of trusted information, including great books, Knowledge Bureau Report, online calculators and research libraries.