Neligh insurance agent earns RICP designation

Melissa Smith, State Farm agent, in Neligh, has earned the Retirement Income Certified Professional® designation from the American College of Financial Services. Using the most current retirement portfolio management techniques, the RICP® advisor helps to identify retirement income needs and objectives relative to a client's lifestyle goals in retirement. Individuals who earn the designation can provide knowledgeable advice on a broad range of retirement topics including the proper use of annuities, mitigation of risks to retirement income planning, estate issues, Social Security, heal...