CFP® Module 2 — Retirement & Tax Planning Specialist
Retirement planning and Indian taxation in depth — NPS, EPF, annuities, capital gains, deductions, and the case-driven planning that CFP candidates must master.
Quick info
- Layer
- Professional Certifications
- Track
- CFP® (FPSB India)
- Estimated hours
- 60 hrs
- Chapters
- 10
- Exam body
- FPSB India
- Cost on Trustner
- Free
Every chapter below has Foundation, Deep Dive, and Advanced material — read in any order, expand each chapter to see the full content.
About this course
CFP Module 2 — Retirement & Tax Planning Specialist — covers the two most-asked-about topics in Indian financial planning: how to fund retirement, and how to manage Indian taxation efficiently. Retirement is the goal that everyone has but few plan for properly. Tax is the friction that compounds against every other financial decision. Master both at the depth required by FPSB India and you become genuinely useful to working Indian households.
Who this is for
- CFP candidates progressing through specialist modules.
- Practitioners building retirement-specialist services.
- CAs adding household financial planning to tax practice.
- NISM 17 Retirement Adviser candidates wanting deeper grounding.
What you'll learn
- Retirement corpus targeting in real (inflation-adjusted) rupees
- NPS architecture, EPF, PPF, annuities, and integration choices
- Indian income tax structure — Old vs New regime decision
- Capital gains taxation across asset classes (post-Budget 2024)
- Tax-loss harvesting and year-end planning workflow
- NRI and resident-but-not-ordinarily-resident taxation
- Integrated retirement-and-tax case studies
Course material — 10 chapters
Each chapter offers three tiers — Foundation for the core concept, Deep Dive for worked examples and practitioner depth, and Advanced for edge cases and exam tips. Click any chapter to expand.
- 1Module 2.1
Retirement planning fundamentals
- Goal setting, real-rupee targets
- Sequence of returns and longevity risk
✓ Full chapter — read, examples, FAQ, MCQs - 2Module 2.2
NPS in depth
- Tier structures, asset choices, PFM selection
- Withdrawal rules and annuity options
✓ Full chapter — read, examples, FAQ, MCQs - 3Module 2.3
Other retirement vehicles
- EPF, PPF, superannuation, gratuity
- Atal Pension Yojana and others
✓ Full chapter — read, examples, FAQ, MCQs - 4Module 2.4
Annuity products
- Immediate, deferred, joint-life, increasing
- Comparing yields and structures
✓ Full chapter — read, examples, FAQ, MCQs - 5Module 2.5
Indian income tax structure
- Heads of income; old vs new regime
- Slabs, surcharges, cess
✓ Full chapter — read, examples, FAQ, MCQs - 6Module 2.6
Capital gains taxation
- Equity, debt, real estate, gold
- Indexation, grandfathering, the 2024 debt-fund changes
✓ Full chapter — read, examples, FAQ, MCQs - 7Module 2.7
Deductions and exemptions
- 80C, 80D, 80E, 80G, 80CCD(1B)
- HRA, LTA, gratuity exemption
✓ Full chapter — read, examples, FAQ, MCQs - 8Module 2.8
Tax-loss harvesting and structuring
- STCL, LTCL set-off and carry-forward
- Year-end planning workflow
✓ Full chapter — read, examples, FAQ, MCQs - 9Module 2.9
NRI and resident taxation
- NRO, NRE, FCNR taxation
- DTAA basics
✓ Full chapter — read, examples, FAQ, MCQs - 10Module 2.10
Integrated retirement-and-tax case studies
- Three full-household case studies
- Common pitfalls
✓ Full chapter — read, examples, FAQ, MCQs
About the exam
- Provider
- FPSB India
Note: Specialist Module 2 — required for CFP® certification. High practical relevance for Indian planners.
The exam is administered by FPSB India. Trustner Academy is not affiliated with FPSB India; we provide independent preparatory educational material. See our disclaimer.
More from CFP® (FPSB India)
CFP® Module 1 — Investment Planning Specialist
FPSB India's foundation — investment vehicles, asset allocation, portfolio construction, performance measurement. The first specialist module on the path to CFP certification.
CFP® Module 3 — Risk Management & Insurance Specialist
Identifying risk, sizing protection, structuring life and non-life cover, and the integration of insurance into a household financial plan.
CFP® Module 4 — Estate Planning Specialist
Wills, trusts, succession laws across faiths, intestate distribution, gift planning, and the complex inter-generational structures that high-net-worth Indian families need.
CFP® Module 5 — Integrated Financial Planning (Capstone)
The capstone case-study module. A complete financial plan from cash-flow analysis to estate transfer, integrating every prior specialist domain. Required for full CFP® certification.