RTPS
FPSB® Curriculum · CFP® Specialist Pathway
CFP® certification mark
Specialist module · retirement mathematics meets Indian tax

Retirement & Tax
Planning
Specialist

Retirement & Tax Planning Specialist covers the two questions every Indian client eventually asks — will I have enough, and how much goes to tax? Master retirement mathematics and the Indian tax framework the HOFP way: practitioner-taught lectures, real computations, and a tutor beside you till you clear.

Enroll Now — ₹9,999
₹9,999 (regular ₹14,999) — for a limited period
Fill the enrolment form — we confirm and share payment details
Hybrid program: recorded lectures + live tutor support
A tutor with you till you clear
Practitioner faculty, real client scenarios
Mapped to the official FPSB® curriculum
Recorded lectures + live doubt sessions
Question banks with answer keys
Content updated continuously
Not a recorded course · A guided program

Recordings teach.
A mentor gets you through.

This is a hybrid program. The lectures are recorded so you learn on your schedule — but you are never studying alone. A tutor walks with you through the entire journey: doubts, strategy, exam, result.

Doubt-clearing sessions

Regular live doubt-clearing with faculty — no question stays unanswered, no concept stays half-understood.

One-on-one coaching

Personal coaching available when you need focused attention — on a case type, a calculation, or your weak domain.

Exam mentorship

Guidance on registration, attempt planning and time strategy for your RTPS exam — from mentors who've taken students through it.

Flexible & backed up

Learn online or offline; backup lectures make sure life's interruptions never cost you the syllabus.

How we teach

The HOFP method is built the way the Specialist exams test — concept first, then computation. You don't memorise sections; you learn to plan like a professional.

1

Learn

Recorded classes and subject-wise notes build every concept in exam-ready form, taught by practising planners.

2

Apply

Worked examples and client scenarios turn theory into decisions — real retirement corpora, real tax computations.

3

Ask

Live doubt-clearing sessions and tutor support make sure no concept stays half-understood.

4

Drill

Progressive question banks with answer keys turn understanding into speed — the difference on exam day.

The HOFP difference

Learn from practitioners, not just academicians.

Every faculty member teaching this course runs a real advisory practice. The cases you solve are full of practical scenarios pulled from real client work — Indian products, Indian tax, real trade-offs — so you get a real-world view of financial planning, not just the academic side. And behind every step sits your tutor: stuck anywhere, you ask, we solve, you move.

What's inside the course

Every resource you need for the RTPS module, organised the way you'll actually study it — theory first, then application, then question practice.

01

Introduction

Orientation to the RTPS module — how it fits into your CFP® certification and how to get the most out of this course.

Orientation
02

Recorded Lectures

Domain-wise recorded classes you can watch on your schedule, taught by practising planners.

Video Classes
03

Class Notes

Subject-wise notes distilling every concept, formula and rule you need for the exam.

Theory
04

Study Material

HOFP study material mapped chapter-by-chapter to the official FPSB® curriculum.

Curriculum
05

Applied Examples

Worked problems and client scenarios pulled from real advisory practice.

Application
06

Question Bank

Progressive question sets with answer keys and revision drills to lock in every domain.

Practice

The library keeps growing. New cases, solutions and question sets are added as the curriculum evolves — everything lands in your course automatically, at no extra cost.

The official FPSB® syllabus, covered end to end

The RTPS course is built on two official FPSB® modules, each with global and India-specific chapters and roughly equal exam weight. This program covers both.

Module One

Retirement Planning

  • Retirement principles & objectives
  • Retirement needs analysis & projections
  • Sources of retirement cash flow
  • Withdrawal projections & strategies
  • Pension reforms & retirement products in India — EPF, NPS, PPF, annuities
  • Superannuation benefits — gratuity & leave encashment
Module Two

Tax Planning & Optimization

  • Taxes payable by an individual
  • Cross-border & source rules
  • Tax planning strategies
  • Income-tax Act, 1961 — concepts, residency & income heads
  • Exemptions, deductions & tax treatment of investments
  • Computation & filing of returns
CFP® marks — CERTIFIED FINANCIAL PLANNER

CFP®, CERTIFIED FINANCIAL PLANNER® and FPSB® are trademarks owned outside the U.S. by Financial Planning Standards Board Ltd.

The institute behind the course

House of Financial Planners, the education division of Siddhanam Capital, is an authorized education provider of CFP® education in India. We master one curriculum instead of teaching many — and it shows in the depth: realistic scenarios, ethical teaching, honest guidance, and premium education priced to be accessible. Beyond the classroom: resume crafting, career counselling, placement assistance and AI-powered learning tools.

236,300CFP® professionals worldwide
3,534CFP® professionals in India
+9.9%India growth in 2025
29Territories recognise CFP®

Source: FPSB · data as of 31 December 2025. India remains massively under-supplied against demand.

Why a professional should pursue CFP® certification

The value of CFP® certification

Regulators

CFP® professionals rate compliance with laws, adherence to an ethical code and acting in the client's best interest as most important when giving advice.

The public

Consumers rely on the CFP® marks to identify competent, ethical planners who have committed to putting clients' interests first.

Firms & practitioners

Financial services firms value CFP® professionals for productivity and profitability, lower compliance risk and higher client satisfaction.

Where CFP® certificants work

Wealth ManagementPrivate BankingInvestment ConsultancyTax, Retirement & Estate PlanningInsuranceFund ManagementFinancial AdvisoryProduct Design & Marketing

Your pathway to the CFP® marks

The Specialist courses are the Regular Pathway — open to students and professionals alike. Clear all three, then the IFP capstone, and the marks are yours.

Who can register

  • Class 12 (HSC) or above at registration
  • No finance background required
  • Students, career-switchers & professionals
  • Register on the myFPSBLearning portal

The Specialist stage

  • Three Specialist courses: IPS · RTPS · REPS
  • Take them in any order
  • Each ends in its own FPSB® exam
  • Specialist exams held every alternate month

Already experienced?

  • CA / CFA / CPA / MBA with 3+ years' experience?
  • The Fast Track Pathway may let you skip the Specialist stage
  • See our IFP capstone program
  • Ask us — we'll check your eligibility

Not sure where you fit? Talk to us — we'll map your pathway for you.

Roadmap to CFP® certification

Four stages from registration to the marks. This course is your companion for the Retirement & Tax Planning Specialist stage — education and exam.

Step 1

Register with FPSB

Apply online on the myFPSBLearning portal with your documents; on approval, your Specialist education begins.

Step 2

RTPS educationThis course

Complete the Retirement & Tax Planning Specialist education. This program carries you through it: lectures, notes, doubt sessions, mentorship.

Step 3

RTPS examWe prepare you

Specialist exams are held every alternate month. Question banks, drills and exam strategy from mentors who've taken students through it.

Step 4

Onward to the marks

Clear the remaining Specialist modules, then the IFP capstone, the CFP® exam and the Financial Plan Assessment — and you're a CFP® professional.

Exam cadence as per FPSB India, verified September 2026.

Who this is for

CFP® aspirants

You're on the Specialist stage and want retirement and tax taught as one connected discipline, the way the exam tests it.

Advisors building a retirement practice

Retirement is the biggest goal in every Indian household. Learn to size it, fund it and de-risk it properly.

Tax-aware planners

You want advice that survives the tax computation — asset location, capital gains, the whole framework.

Students speak

HOFP students who walked this exact road — from first module to CFP® certification.

TESTIMONIAL 01
HOFP StudentCFP® aspirant — video coming soon
TESTIMONIAL 02
HOFP StudentCFP® aspirant — video coming soon
TESTIMONIAL 03
HOFP StudentCFP® aspirant — video coming soon
Full Program Access
₹14,999
₹9,999
+ 18% GST · one-time payment · introductory price, for a limited period
  • Every module unlocked immediately — and every future addition included
  • Recorded lectures + subject-wise class notes
  • Live doubt-clearing and tutor support till you clear
  • Applied examples pulled from real advisory practice
  • Question banks with answer keys
  • Learn at your own pace on the HOFP platform
Enroll in RTPS Now

Not sure yet?

Frequently asked questions

How much does the RTPS course cost?

₹9,999 plus GST for a limited period (regular price ₹14,999), one-time payment covering full course access.

How long does the RTPS course take to complete?

It is self-paced with backup recordings, and candidates typically plan their pace against FPSB's alternate-month exam calendar.

Do I need a finance background to start RTPS?

No. The prerequisite is a Class 12 pass or above, with no finance background required.

Can I take RTPS before or instead of IPS?

The Regular Pathway requires all three Specialist modules — IPS, RTPS and REPS — before Integrated Financial Planning. RTPS itself does not require IPS to be completed first.

I'm not confident with maths and tax rules — is RTPS very difficult?

RTPS involves retirement and tax calculations, but they are taught from underlying principles rather than assuming prior comfort with either.

Does RTPS cover NPS, EPF and PPF specifically?

Yes, Indian pension products including EPF, NPS, PPF and annuities are covered in the Retirement Planning module, along with gratuity and leave encashment.

Will I get help if I get stuck on a calculation or a tax rule?

Yes, live doubt-clearing sessions, one-on-one coaching, and exam mentorship including registration guidance are included.

Can I see the course content before I pay?

Yes, a free demo lecture is available before enrolling, requiring only name, mobile, email and city.

Talk to us

Visit

1202, Phoenix Building
Vijay Cross Road to Commerce Six Roads
Navrangpura, Ahmedabad — 380009