About Retirement Learning Center
For over two decades, RLC has been the retirement services industry’s go-to resource for outsourced ERISA consulting, thought leadership and exceptional strategies.
Founded by John Carl in 2003, Retirement Learning Center is his legacy. Carl was known as “the advisor to the advisors” until his untimely passing in 2022. His entrepreneurial spirit saw a need for practical and tactical financial advisor training in the retirement space, driving him to establish the Retirement Learning Center in 2003. Decades later, RLC continues John’s mission to provide support and thought leadership to the advisor community.
Driven to continue RLC’s purpose, cash balance plan consulting firm October Three (O3) acquired RLC in May 2023 and decided to maintain the RLC brand.
With O3’s technological prowess, consulting expertise and RLC’s incredible educational resources, we serve the advisor community with more excellence and passion than ever.
Resources and back-office support for retirement plan advisors and wealth managers
Our mission is to accelerate your success and help you improve daily. If you want to expand your knowledge and grow your practice, we’re here to help. Through our comprehensive education, resources, guidance and insights suite, we help advisors tackle every issue successfully.
Discover the RLC difference
Our Team
Get one-on-one advice from a knowledgeable retirement expert. Each consultant has decades of experience assisting retirement plan advisors and wealth managers in identifying new sales opportunities, increasing productivity, acquiring assets and growing revenue. We’re dedicated to positioning you to help your clients plan for a successful retirement while you grow your practice.
Our Customer Service Approach
At RLC, we are invested in your clients’ success. As a trusted partner and mentor, we will be by your side every step of the journey, offering sales strategies and technical guidance. Some of the ways we’ve helped advisors include:
- Navigating plan rollover discussions
- Offering insights on M&A transactions and issues with plans merging or terminating
- Corrections for missed deferrals
- Beneficiary rules
- Navigating complex compliance issues
Our Thought Leadership and Resources
Hear what our clients are saying
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Frequently Asked Questions
What is Retirement Learning Center (RLC)?
+RLC is your trusted ally. For over 20 years, we have supported advisors in accelerating practice growth and seamlessly navigating client challenges. With real-time access to ERISA experts, we provide invaluable compliance and best practices assistance, making us your go-to resource for managing retirement plans, rollovers and much more.
What are the most popular topics that you cover?
+The ten most-frequently asked about topics at the Resource Desk are:
- Correction for missed deferrals
- Plans and protected benefits in M&A (merger and acquisition) situations
- Eligibility rules for long-term part-time employees
- Inherited IRAs and their distribution rules, including the ten-year rule
- Latest day to fund employer plan contributions for the prior year
- How to recover overpayments under SECURE 2.0
- Failed non-discrimination testing and how to correct
- Terminating or changing a safe harbor plan mid-year
- Questions on the various definitions of compensation for plan purposes
- Rehired employee questions and whether prior service is recognized
What services do you offer for wealth managers?
+Wealth managers get help with the following:
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Compliant distribution/rollover strategies using “Plan Snapshots”
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Executive compensation and benefit summaries
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Net new asset gathering strategies
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New client prospecting action plans
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Proven tactics to help clients maximize tax-efficient retirement savings
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Overall financial wellness discussions with your clients– we make it easier
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Beneficiary considerations
How does the Resource Desk work?
+The Resource Desk is staffed with retirement plan specialists and ERISA attorneys with decades of experience and knowledge. All you have to do is call in and get your questions answered, supported by authoritative citations. If research is required to answer your questions, we will delve into the rules and regulations and follow up with the answer within a day or two, depending on the complexity of the question.
How does the partnership with October Three benefit advisors?
+Our partnership with October Three is designed to empower advisors. In addition to offering education and resources, we can equip you with solutions and products to enhance your market presence and expand your AUM. This is particularly beneficial in the cash balance plan and defined benefit plan arenas, where our collaboration can significantly boost your business.