Retirement Planning Advice for Individuals Training

Learning Outcomes

• Apply knowledge of retirement planning principles and legislation to assess an individual's retirement needs.
• Analyze different retirement annuity products, pension funds, and living annuities to recommend appropriate solutions.
• Evaluate the tax implications of retirement contributions, growth, and withdrawals within the South African tax framework.
• Design a comprehensive retirement plan that aligns with a client's financial goals, risk tolerance, and time horizon.
• Implement retirement advice in compliance with FAIS Act requirements and the Code of Conduct for financial advisors.
• Demonstrate the ability to communicate retirement planning strategies effectively to clients, addressing their concerns and objectives.

Target Audience

This course is ideal for financial advisors, wealth managers, and individuals seeking to specialize in retirement planning within the South African context. It is also suitable for those preparing for regulatory examinations under the Financial Advisory and Intermediary Services (FAIS) Act.

Prerequisites

None — open enrollment. However, learners are expected to have basic numeracy and literacy skills.

Course Outline

Practicals

Overview

Practical sessions allow learners to apply retirement planning concepts to realistic client scenarios using case studies and financial calculators. They practice calculating retirement needs, comparing investment products, and presenting a comprehensive retirement plan.

Practical Activities

• Retirement Needs Calculation — Learners use a retirement calculator to determine a client's retirement funding gap based on income, expenses, inflation, and expected returns. (2h)
• Product Comparison and Selection — Learners compare different retirement products (RA, pension, provident, living annuity) and recommend suitable options for a given client profile. (2h)
• Comprehensive Retirement Plan Presentation — Learners develop a full retirement plan for a case study client and present it to the group, including investment strategy, drawdown plan, and estate considerations. (2h)

Summatives

Each delegate is assessed continuously throughout the course via daily exercises, scored practical assignments, and a final summative test at the end.

Practical Assignments — 30%

Practical assignments are observed and scored against a rubric during the practical sessions. Each delegate's practical mark is averaged into a single 100% score and contributes 30% to the final total.

Daily Exercises — 20%

Every training day ends with a multiple-choice exercise scored out of 100%. The scores from each daily exercise are averaged across the duration of the course to produce a Daily Average mark, which contributes 20% to the final total.

Final Test — 50%

On the last day a final summative test is written. It is a multiple-choice paper with multiple-answer questions: each question may have more than one correct option, and a single wrong selection on a question marks the entire question wrong — no partial credit. The final test is scored out of 100% and contributes 50% to the overall mark.

Final Total

Component	Out of	Weight
Practical Assignments (rubric-scored)	100%	30%
Daily Average (multiple choice)	100%	20%
Final Test (multi-answer multiple choice)	100%	50%
Final Total	—	100%

All marks are recorded on the AATICD LMS and visible to each learner under their account.

Certificate

How it works

• Certificates are auto-generated on the AATICD LMS as soon as the marks pass the 50% threshold.
• Each certificate is a branded PDF with the delegate's name, the course title, the unit standard ID, NQF level, credits, and the date of issue.
• You can download or print your certificate from your LMS dashboard at any time after issue — there's no reissue fee and no expiry date.
• If you scored under 50% you can sit the final test again at the next scheduled session at no extra cost.

Where to find it

Sign in to the LMS, open your dashboard, and your certificates appear under My Certificates. Each entry has a View / Download button and a print option.

Training Discounts

Group discounts apply automatically — the more delegates you enrol, the greater the saving. Discounts are calculated at 3% per 5 delegates, scaling up to 40% off for 100+ delegates.

Delegates	Discount
5	3% off
10	6% off
15	9% off
20	12% off
25	15% off
30	18% off
50	30% off
75	35% off
100	40% off

3% discount per 5 delegates, up to 40% off for 100+ delegates. Contact us for a custom group quote.