After reviewing Module 1, you should have a good understanding of the importance of starting early when saving for retirement. You should also feel comfortable determining a client's savings needs and the amount that they will need to save on a regular basis in order to reach their goal. The question now becomes, where should this money be invested? Stocks? Bonds? What is the right mix? What is the best asset allocation for your age? Should this change as you age?

This module focuses on asset management by reviewing the principles of asset allocation and portfolio management as they apply to planning for retirement.

About the Author

David Mannaioni, CFP®, MPASSM is a professor at the College for Financial Planning. Utilizing his 30+ years of experience in the financial services industry, David also maintains a financial planning practice where he works with his clients in all areas of financial planning. In addition to his certifications, David holds life and health insurance licenses in several states, as well as the Series 6, Series 7, and Series 63 registrations with FINRA. You can contact David at

Complexity Level: Intermediate