IRMAA and Medicare 
Training for Financial Professionals

While the course is designed for financial professionals you do not need prior IRMAA or Medicare training. We start with fundamentals and build to advanced concepts.

We are currently registering the course for CFP, CPE, and Insurance credits, but as of right now it does not include CE.

Most professionals finish our self-paced course in about 4-6 hours. The IRMAACP™ Webinar is a full day of training.

Annually. Our team updates the curriculum each year with the latest Social Security and Medicare numbers and rule changes.

Our practice exam and course guide prepare you fully. Most advisors pass on the first attempt. The exam consists of 75 questions drawn from the course. The questions are not meant to “trick” you, but instead demonstrate your understanding of the material.

Yes. To use the IRMAACP™ designation, you must maintain your annual certification & membership.

No. While many of our students are financial advisors, we regularly certify attorneys, CPAs, paralegals, tax preparers, HR professionals, educators, nonprofit counselors, and Social Security advocates.

If you work with retirees—or want to understand IRMAA and Medicare at a deeper level—this training is for you.

To sit for the exam and earn your IRMAACP™ certification, you’ll purchase the $195 Exam, Certification, and Membership subscription.

This subscription renews annually to maintain your active status.

Your membership includes:

✔️ Your professional profile listing on www.nssapros.com 

✔️ Access to our monthly member update call

✔️ Access to the private NSSA® online community

✔️ Marketing resources, presentation tools, and ongoing guidance

The subscription is required to use the IRMAACP™ designation professionally.

To keep your IRMAACP™ credential active, you must:

1. Maintain your annual subscription, and

2. Complete four hours of Continuing Education in retirement planning or finance each year. This ensures you stay up to date on the strategies and rules that impact your clients.

The IRMAACP™ program was created by:

• Todd Valles, nationally-recognized IRMAA expert and tax attorney

• Paul Morrison, finance executive and IRMAA co-founder

As long as your certification is in good standing you get lifetime access to the self-paced training and all future updates—at no additional cost.

While we do not record our webinars, all of our students receive access to our self-paced, online version so that you can review topics in advance of the exam.

Yes. Once the course qualifies for CE (we are currently going through that process). Once you complete the required modules and quizzes, we file CE for CFP, CPE, and state Insurance CE directly with the governing bodies.

Yes—you may take the course purely for education. However, to use the IRMAACP™ designation professionally, the exam + membership subscription is required.

Yes. We offer group pricing, enterprise licensing, and private training options. Contact us for details.

Self-Paced: Learn on your schedule, with unlimited replays. 

Webinar: Live, instructor-led day with real-time Q&A and group interaction. All webinar students also receive access to the self-paced course.

You can purchase the self-paced IRMAACP™ course for $1,195 and add NSSA®—our Social Security specialization—for just $300 (normally $1,195 by itself). This is our best-value bundle and is ideal for professionals who want to:

✔️ Understand Social Security and Medicare at a deep level
✔️ Advise on IRMAA strategies
✔️ Offer comprehensive retirement-income planning
✔️ Stand out with two credentials instead of one

You can also purchase the combined training option as a webinar or in person formats.

Yes—each certification has its own exam.
The NSSA® and IRMAACP™ exams are separate but structured similarly, with focused coverage on each program’s rules, strategies, and regulations.

The IRMAACP™ training is the only certification that focuses on the Income Related Monthly Adjustment Amount, and is the first designation to do so. As a IRMAA Certified Planner you receive:

• Instruction created by SSA and CPA experts

• CE filing included

• Lifetime access

• Monthly live updates

• An active member community

Yes. Once you pass the exam and maintain membership, you may use:
IRMAACP™ – IRMAA Certified Planner™
Your directory listing also boosts SEO for your practice.

Our member surveys show that advisors who earn IRMAACP™ report:

• Higher appointment volume
• Improved close ratios
• More retirement-income planning engagements
• Increased referrals
• Larger client lifetime value

Clients subject to IRMAA tend to be higher value prospects for savvy advisors.

Yes. Subscribers receive:

• Monthly update calls
• Live Q&A with experts
• An online member community
• Updated marketing materials
• Quick-reference sheets and guides
• Ongoing rule updates throughout the year

IRMAACP™ certification is not a one-and-done course—it’s a continuing support system.

Yes. You have two attempts to pass the exam. The exam is 75 questions and a passing grade is 70% or better.

Yes. They are two separate certifications. However, instead of paying $195 each, we offer dual designation holders a combined annual certification subscription of $295.

Yes! NSSA® has partnered with Retirement Advisor Pro. NSSA® and IRMAACP™ certificate holders can subscribe to Retirement Advisor Pro for just $395 per year, compared to the $950 annual subscription offered to the public.

No, Retirement Advisor Pro is an additional service that requires an additional subscription of $395 per year.