In this episode, Bonnie Treichel, Founder and Partner of Endeavor Law, discusses the Retirement Income Certification program and its benefits for advisors. She explains that the program provides free and objective education on in-plan retirement income. The target audience for the program includes both upmarket consultants and small to mid-size RIAs. Bonnie also highlights the progress in retirement income education and the increasing demand for guaranteed income solutions. She emphasizes the importance of comprehensive retirement plans and the challenges of portability. The episode concludes with a discussion on government support and the potential role of in-plan solutions as an alternative to traditional defined benefit plans.   Takeaways   The Retirement Income Certification program offers free and objective education on in-plan retirement income for advisors. There is a growing demand for guaranteed income solutions, driven by both plan sponsors and participants. Portability remains a significant challenge in implementing in-plan retirement income solutions. Comprehensive retirement plans should consider the individual needs and demographics of the plan participants. Government support and regulatory guidance can help facilitate the introduction of implant annuities into retirement plans. Chapters   00:00 Introductions 01:16 Retirement Income Certification Program 05:51 Target Audience for the Program 07:18 Learning Curve for Advisors 08:17 Plan Sponsor Perspective 10:54 Progress in Retirement Income Education 14:42 Litigation Landscape and Target Date Funds 19:17 Government Intervention and Regulatory Guidance 21:04 Implant Solutions as an Alternative to DB Plans 23:09 Government Support for Implant Annuities 25:17 Portability Challenges 27:38 Comprehensive Retirement Plans 28:05 Union Requests for Guaranteed Income Solutions 30:14 In-Plan Income as a Solution 32:08 Interest in Guaranteed Income Solutions 34:12 Following Bonnie Treichel