Webinar Registration

Modern Retirement Theory (MRT):
Retirement Planning through 4 prioritized funds

Boost Your Client's Retirement Savings and Income Planning outcomes and reduce out-of-pocket costs - CE Credit Available

Thursday, January, 29

12:00pm ET

75 minutes

Earn 1 CE credit Trusted by 10,000+ financial advisors

Jason Branning, CFP®, RICP®

Wealth Advisor Branning Wealth Management

Presenter Bio

M. Ray Grubbs, PhD

Co-author, Modern Retirement Theory

Presenter Bio

What You'll Learn

Webinars are for Financial professionals only. Exceptions may be made for clients of Finacial experts Network subscribers.

Name

First Name

Last Name

Email Address

Who invited you?

Please provide your CFP ID #

Please provide your CRD #

ZIP Code

Which best describes you? *

State

City

Phone Number

What are your designations (e.g. CFP or CLU)?

Your B/D or RIA

Do you have a trusted mortgage advisor to serve your clients?

This question is for testing whether or not you are a human visitor and to prevent automated spam submissions.

What You'll Learn

No content added

Webinar Description

Modern Retirement Theory (MRT), developed in 2008–2009 by Jason K. Branning, CFP®, RICP®, and M. Ray Grubbs, PhD, is a safety-first, goal-driven approach to retirement planning. MRT rests on six premises: (1) retirement is an absolute goal; (2) planning must be individualized rather than based on historical patterns; (3) the future is inherently uncertain; (4) funding must be secure, stable, and sustainable; (5) the entire retirement balance sheet—including assets, cash flows, and items like Social Security—should be evaluated; and (6) prioritizing how retirement is funded is essential to managing risk. Together, these principles support a comprehensive, personalized approach to building reliable income.

A central innovation in MRT is its use of hierarchical funds structured to meet two unknowable conditions: longevity and conditions within longevity. The Base Fund covers essential expenses with income sources that meet the 3-S Matrix (secure, stable, sustainable), producing $1 of net income for every $1 of essential spending. To guard against disruptions, the Contingency Fund protects essential lifestyle needs by categorizing risks as known, unknown, and unknowable and applying the 3-R framework: risk recognition, reduction, and acceptance of residual risk. The Discretionary Fund supports non-essential, delayable expenses such as travel or major purchases. The Legacy Fund preserves and transfers wealth to beneficiaries, growing independently of the other funds without compromising their security.

*CE/CPE Eligible: 1.0 CE credit(s) is(are) available to FEN Members with these designations: CFP, CLU, ChFC and RICP.
Field of Study: Specialized Knowledge
Prerequisites: There are no prerequisites for this session.
Advanced Preparation: None
Program Level: Basic
Delivery Method: Group Internet Based
NASBA Approved
Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.