Certified Annuity Advisor
Professional designation
KR
Kim Rawlings
CFF® · CAA · FRC® · NSSA®
Senior Retirement Income Strategist · Partner
11 years of experience in retirement income planning. Licensed in FL, GA, NC, and SC.
What the CAA Designation Means for You
The Certified Annuity Advisor designation is earned by completing a rigorous course of study and passing a comprehensive examination. When you work with a CAA-designated advisor, you can be confident they have demonstrated proficiency in:
Annuity Product Knowledge
Fixed, indexed, variable, RILAs, and immediate annuities — structure, mechanics, and appropriate use cases.
Income Rider Strategies
Income Account Value growth, payout options, election timing, and excess withdrawal impact analysis.
Annuity Taxation
Qualified and non-qualified tax treatment, 1035 exchanges, LIFO rules, inherited annuity distributions, and tax minimization.
Suitability & Ethics
NAIC Model #275 standards, SEC Regulation Best Interest, client financial assessment, and fiduciary best practices.
Portfolio Integration
Positioning annuities within diversified retirement portfolios, managing sequence of returns risk, and rebalancing considerations.
Client Communication
Clear, transparent explanation of product features, fees, surrender schedules, and realistic performance expectations.
The Certified Annuity Advisor (CAA) mark is a certification mark issued by Financial Planning Institute. It certifies that the holder has met established standards of education and examination in annuity advisory services. The CAA designation is displayed by authorized certified advisors in connection with the offering of their financial advisory services.