This course provides the knowledge necessary to provide effective financial advice for retirement planning in the context of increasingly complex financial products and government policies. The course will cover: current and future demographic characteristics with a focus on life expectancies; risks faced in retirement, including longevity risk, inflation risk, interest risk, adequacy risk and contingency risk; current and proposed retirement income products; the public pension, publically provided benefits and their interaction with superannuation and other private benefits; residential options, health and aged care; estate planning; designing a 'retirement plan'; and understanding the consumer.