Accredited Retirement Advisor (ARA)

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The Accredited Retirement Advisor (ARA) credential recognizes professionals who have a thorough knowledge of topics relevant to retirement planning and special issues of senior citizens including tax planning and tax preparation for decedents, estates, and trusts; and applying your knowledge and skills in real-life situations when serving aging clients.

In order to become an ARA, you must pass the 100 question ARA examination which is offered twice a year at testing centers around the country.

Please note, the ARA Exam will not be offered during the Fall 2016 Testing Window


Exam Information

The ARA exam is a three and a half hour, 100 multiple-choice question exam. You must score 70% or better to earn the credential. For more information on the ARA exam visit the Exam Details  page.

Topics covered on the exam include:

  • Retirement Plans, Benefits & Retirement Distribution (21 questions)
    Social Security, Medicare, Medicaid, Veteran's Benefits, Retirement Plans, Retirement Plan Distribution and Planning

  • Insurance, Health Care, Senior and Long-Term Care Options (21 questions)
    Health Insurance, Long Term Care Insurance, Health Care, Long-Term Care, Life Insurance, Senior Housing Options and Issues

  • Estates, Trusts, Estate Planning & Taxation Considerations (44 questions)
    Estates, Trusts, Estate Planning, Taxation of Estates Form 706, Decedent’s Final Return, Gift Tax Returns Form 709, Special Considerations for the Self-Employed

  • Personal Residence Issues (10 questions)

  • Ethics & Professionalism in Serving Aging Clients (4 questions)


For more information about ACAT and its tax and accounting credentials, view the ACAT Candidate Handbook