What is a Retirement Income Certified Professional (RICP)?
And why does it matter for YOUR retirement?
What is an RICP:
The Retirement Income Certified Professional (RICP) designation is one of the most respected and rigorous credentials in the financial planning industry. Awarded by The American College of Financial Services, the RICP designation requires completion of an advanced curriculum covering:
✅ Retirement income planning strategies
✅ Social Security and Medicare optimization
✅ Investment and portfolio management in retirement
✅ Health and long-term care planning
✅ Estate and legacy planning
✅ Tax-efficient retirement income strategies
Less than 5% of financial advisors in the United States hold the RICP designation.
Why It Matters for You:
Most financial advisors focus on accumulation — helping you build wealth during your working years. But retirement is a completely different challenge. It requires a specialist who understands:
• How to convert savings into reliable retirement income
• How to make your money last 25–30+ years
• How to coordinate all your income sources — Social Security, pensions, investments, and more
• How to protect against the unique risks of retirement — inflation, healthcare costs, and market volatility
That's exactly what an RICP is trained to do.
Why Terry:
Terry S. Mulhern has held the RICP designation alongside his MBA in Finance & Marketing and his MDRT membership — building one of the most comprehensive credential profiles in retirement planning.
But credentials are only part of the story.
Terry has spent 35+ years actually working with pre-retirees and retirees — building real plans for real people in real situations.
He doesn't just know the theory. He lives it every day with his clients.