cloke, curtis169FINALCurtis Cloke

Curtis V. Cloke is an award-winning international speaker, educator and author as a retirement expert. His presentations are entertaining, inspirational and educational.  Curtis serves as an Adjunct Instructor for The American College of Financial Services as part of the educational team of experts who helped develop curriculum and content for the new online RICP® (Retirement Income Certified Professionals) designation program. In 2009, Curtis was also recognized as a top five finalists for “Advisor of the Year” by Senior Markets Advisor Magazine. He is a 20-year member of MDRT, with 3 Court of the Table and 12 Top of the Table honors.  In addition to MDRT, he is also a member of the Forum 400, NAFIA, Society of FSP and many other industry associations. Curtis is a financial life planner with over 30 years of experience serving clients around the US from his Burlington, Iowa office. He focuses on business, estate and retirement planning.


Cracking the Retirement Code: 2 CEC's

Financial professionals today face a number of challenges when assisting pre-retiree clients plan for an ever-changing retirement landscape of economic challenges and financial risks. The landscape has changed! Loss of employer pension plans, low interest rates, increased market volatility, rising health care cost, looming changes to Social Security and Medicare, forced retirement and extended longevity to mention a few. This session will identify a process that identifies the difference between “Promised Based and Risked Based” income and growth allocations. Helping retirees find the confidence to retire knowing their income will last a lifetime.