Canadian CEBS Student Survey Results: Time Spent Studying for Your CEBS Course

Studying consistently and diligently is essential for success in the Certified Employee Benefit Specialist® (CEBS®) program. It’s important to regularly dedicate time to completing the assigned reading from the Study Guide and textbook for your course. Frequently reviewing the content you’ve already read allows your mind to fully absorb new knowledge and connect the key takeaways from the course to action items you would like to achieve at work.

Many people wonder how many hours per week they should dedicate to studying for a CEBS course. We recently surveyed Online Study Group With Instructor Support students to see what their time commitment is for studying for the CEBS designation. Below is a summary of their study habits.

Study time varies from person to person and depends on reading speed, study habits, prior knowledge of content and work experience. Consider enrolling in a CEBS Online Study Group With Instructor Support for access to helpful resources and a structured timeline to help you advance in your learning journey. With every page you read, you’ll gain confidence as you become a more knowledgeable benefits professional!

Questions?

Visit CEBS online for information about purchasing course materials, signing up for an Online Study Group, virtual exams and more details on the program. Do you need further guidance on your CEBS journey? Whether you’re about to take your first step or getting close to earning your designation, we’re here to help!  Reach out to our CEBS Customer Service team at cancebs@ifebp.org.

U.S. CEBS Student Survey Results: Time Spent Studying for Your CEBS Course

Studying consistently and diligently is essential for success in the Certified Employee Benefit Specialist® (CEBS®) program. It’s important to regularly dedicate time to completing the assigned reading from the Study Guide and textbook for your course. Frequently reviewing the content you’ve already read allows your mind to fully absorb new knowledge and connect the key takeaways from the course to action items you would like to achieve at work.

Many people wonder how many hours per week they should dedicate to studying for a CEBS course. We recently surveyed Online Study Group With Instructor Support students to see what their time commitment is for studying for the CEBS designation. Below is a summary of their study habits.

Study time varies from person to person and depends on reading speed, study habits, prior knowledge of content and work experience. Consider enrolling in a CEBS Online Study Group With Instructor Support for access to helpful resources and a structured timeline to help you advance in your learning journey. With every page you read, you’ll gain confidence as you become a more knowledgeable benefits professional!

Questions?

Visit CEBS online for information about purchasing course materials, signing up for an Online Study Group, virtual exams and more details on the program. Do you need further guidance on your CEBS journey? Whether you’re about to take your first step or getting close to earning your designation, we’re here to help!  Reach out to our CEBS Customer Service team at cebs@ifebp.org.

Create Good Habits for CEBS Success: Top Tips to Study Smarter From International Foundation Staff

To learn about all things related to employee benefits and provide the best possible education for members, many International Foundation staff pursue the Certified Employee Benefit Specialist® (CEBS®) designation. It’s a life changing learning experience that helps you gain a comprehensive understanding of the employee benefits industry.  Small, repeatable good study habits will help you absorb and retain new content and connect it to the big picture of the employee benefits landscape. As you apply what you’re learning to your work, you’ll embark on a learning journey that’s uniquely your own, transforming your career trajectory.

Below is a little advice from International Foundation staff on earning the CEBS designation and maximizing your professional development.

“I made index cards of important Key Terms and read them aloud multiple times.”

Kathy Bergstrom, CEBS, Senior Editor Publications,
International Foundation of Employee Benefit Plans

“I know there are a lot of thoughts on what that ‘one’ thing is that will help you pass the test!  While I can’t offer you the silver bullet, I’ll share what made me successful with every exam that I took.  First, be kind to yourself.  Celebrate the fact that you’re looking to stand out!  You’ve just tackled a lot of material and what you’ve learned during the many hours of preparation.  Second, literally picture yourself getting the pass notification on the exam.  It doesn’t matter if it’s your first exam or your last one—Capture and remember the smile that’s on your face and everything you’ve accomplished!”

Linda Bielski, CEBS, Executive Director CEBS/ISCEBS,
International Foundation of Employee Benefit Plans

“Make sure you take the practice exams – they help reinforce and test your knowledge of the content and get you comfortable with the testing format!”

Terry Davidson, CEBS, Chief Executive Officer,
International Foundation of Employee Benefit Plans

“I learn best by note-taking. Not only does note-taking make me think about and rephrase things in a way that makes more sense to me, but also the physical act of writing something seems to reinforce the concept and engrain it in my brain. So, I took notes in the margins of my Study Guide. When I was done with the entire course, I typed all those handwritten notes into a document. This gave me further reinforcement of concepts, and then I had a shorter study aid.

I also found the Online Study Groups very helpful. Access to the instructors notes, quizzes and flash cards were incredibly helpful. In many cases, the instructors explained the concepts in ways that stuck in my brain and helped me understand better than the textbook for the course.

Finally, ALWAYS take the practice exam! It will point you to the items you need to study up on more when you’re prepping for the test.”

Amanda Gilszmer, CEBS, Sr. Video Editor Producer,
International Foundation of Employee Benefit Plans

“I took the practice exam repeatedly until I could explain and understand not only the right answer, but why all of the wrong answers were wrong.”

Teri Dougherty, CEBS, Supervisor, Content Services, LLC,
International Foundation of Employee Benefit Plans

“• Be overly detailed in your study plan (e.g., cover one module per week). Vague goals make for poor results.

• Use multiple study avenues to reinforce concepts (create flash cards and Word documents, view the digital study guide, etc.)

• Create flash cards with basic terminology. Then you can cover those topics when completing other daily tasks.

• Break study time into small chunks. Instead of cramming for hours over the weekend, add an hour of study time to each workday.”

Justin Held, CEBS, Associate Director, Research and Education,
International Foundation of Employee Benefit Plans

“I’ve always found it helpful to study right before going to bed. It seems like information sticks better if it’s the last thing in your brain before sleeping.

Take the practice exam a day or two before testing. Being fully prepared for the practice exam is a great way to boost your confidence and discover if there are any topics you need to review one last time.”

Jonas Leyrer, CEBS, Instructional Designer,
International Foundation of Employee Benefit Plans

“When I made flash cards, on the front I’d write a question and on the back, I’d write the answer. On the front, I’d also note the chapter/section, so it was easier to re-read information.

I also found it helped me to read out loud. Sometimes my husband would help me study. When I took the test, I could imagine him asking me questions and telling me the answer. Other times, I’d read the textbook out loud to myself. After my youngest was born, I would read to her while we snuggled. It helped put her to sleep and help mom finish up U.S. GBA/RPA 3!”

Jen Mathe, CEBS, Director of Member Services, ISCEBS

“Don’t make it harder than it is. Once you have taken one CEBS exam, you will understand the process and have a better understanding of how to study for the rest. The worst you will do is fail a test.  Nobody’s life is riding on that. That’s just gaining experience.”

Barb Pamperin, CEBS, Instructional Technologist,
International Foundation of Employee Benefit Plans

“My best study tip is to create flash cards of the Learning Objectives and Key Terms within each Learning Objective for each module of the Study Guide. 

I would go through the stack of flash cards, and if I felt that I could say all that I needed to about a topic, I would put the card in a ‘done’ pile. A week or so prior to the exam, I would review all of them and pull any flash cards I was really struggling with to spend extra time studying the content on the last few days leading up to the exam.”

Laura Scholz, CEBS, Manager, Continuing Education,
International Foundation of Employee Benefit Plans 

“When studying, I focused on my notes, the highlights in the Study Guide (Outline of Knowledge, Learning Objectives and Key Terms) and the practice exam.

I made sure I really understood what was in the Study Guide. I did carefully read the book, but I focused on the Study Guide because I felt that reflected what the course developers thought was most important to know.”

Julie Stich, CEBS, Vice President, Content,
International Foundation of Employee Benefit Plans

“My first tip is, the list of Key Terms in each module of the Study Guide is your vocab test from high school. Write out the definition of each term in your own words, and if you have an example of it from your own experience, noting that can help, too. Focusing on the Key Terms was a big part of my success, especially for course content that I had little to no practical experience with.

My second tip is believing that you can do this! Be confident and reward yourself along the way!”

Erika Turner, CEBS, Director Professional Development,
International Foundation of Employee Benefit Plans

“Throughout the course, I dedicated several hours each Sunday afternoon to reading the modules and reviewing the study guide questions. Once I got through all the modules, about two weeks before my testing date, I took the practice exam.

I never tested well on that first run, but that didn’t bother me. The practice exam would queue up how I did on each module, and there was always a pattern—There were a few modules that I performed spectacularly badly on. I would go back and read those pages, often explaining the concept out loud to my faithful study partner, Greta James Van Wonderpants. (She totally got it.) Then I’d take the practice exam again. I’d usually do much better the second time, but I would still trip on the more abstract concepts. These I would write out in longhand. The physical act of writing helped cement the correct answers in my mind.”

Stacy Van Alstyne, CEBS, Director, Strategic Communications,
International Foundation of Employee Benefit Plans

“My study tip is to use the Outline of Knowledge to create flash cards you can use to study. I find that creating flash cards is almost as beneficial as using them leading up to the exam. Also, remember to use the practice exam to prep for the real thing! It’s a great way to get you ready for the exam experience.”

Carey Wooton, CEBS, Director, Educational Program Development, International Foundation of Employee Benefit Plans

“On a colorful index card or sheet of paper, list the reasons why you would like to earn the CEBS designation and what you would like to learn more about. Before I worked at the International Foundation, I was a Spanish instructor. Here I was aspiring to speak another language—the language of employee benefits. I hoped the CEBS designation would help me gain, ‘Credibility, Excellence, Benefits knowledge, Strategic vision,’ and that’s exactly what my learning unlocked for me. Define what the four letters C-E-B-S mean for you! Place your inspiration card somewhere where you can see it every day and even frame it if you would like to. Remembering your ‘why’ will carry you forward every day of your learning journey, inspiring you to make progress one page at a time, one course at a time.”

Christine Vazquez, CEBS, Director, CEBS Educational Services, International Foundation of Employee Benefit Plans


Visit CEBS online for information about purchasing course materials, signing up for an Online Study Group, virtual exams and more details on the program. 

Congratulations to the Newest U.S. CEBS® Graduates!

New CEBS Graduates

Congrats to the newest Certified Employee Benefit Specialists thru March 2024!

Do you recognize anyone? Be sure to celebrate your peers with a personal note or shout-out on social media, tagging #CEBSgoals. Earning the CEBS is a major career and personal achievement, and having peers recognize the work and demonstrated knowledge only sweetens the accomplishment.

Now picture yourself on this list! Continue on your path to earning your CEBS designation.

Do you need guidance on your CEBS journey? Whether you’re about to take your first step or getting close to earning your designation, we’re here to help! Give us a call at (800) 449-2327, option 3, or email cebs@ifebp.org.

#CEBSgoals

Congratulations to the Newest Canadian CEBS® Graduates!

New CEBS Graduates

Congrats to the newest Certified Employee Benefit Specialists thru March 2024!

Do you recognize anyone? Be sure to celebrate your peers with a personal note or shout-out on social media, tagging #CEBSgoals. Earning the CEBS is a major career and personal achievement, and having peers recognize the work and demonstrated knowledge only sweetens the accomplishment.

Now picture yourself on this list! Continue on your path to earning your CEBS designation.

Do you need guidance on your CEBS journey? Whether you’re about to take your first step or getting close to earning your designation, we’re here to help! Give us a call at (833) 886-3749 or email cancebs@ifebp.org.

#CEBSgoals

Course Corner: U.S. RPA 1 Revisions

CEBS Course Updates

As the employee benefits industry evolves, the Certified Employee Benefit Specialist® (CEBS®) designation’s curriculum is updated to reflect this reality. The U.S. RPA 1 course has been fully revised to meet the changing retirement plans landscape. This new CEBS course will help you gain valuable skills that you can put into practice on the job today as well as provide emergent, cutting-edge knowledge that will prepare you for future roles.

RPA 1 conveys essential knowledge for understanding retirement plan design. The course outlines requirements for achieving tax-qualified status, distinguishes differences between defined contribution (DC) and defined benefit (DB) structures, and provides a framework for understanding DC plan types whose use depends on the sponsor’s legal entity and the employee group’s characteristics. It provides a comprehensive understanding of 401(k) plans, 403(b) plans, 457 plans and other specialized niche plans. This course goes over the appropriateness of these plans, and the latitude sponsors possess in defining eligibility and establishing plan provisions. Unique situations involving executive talent, nonprofit employees and governmental workers are addressed. The course also examines the challenges of small employers in sponsoring a retirement plan. As such, it reviews simplified employee pensions (SEPs), SIMPLE plans, safe harbor 401(k)s and solo 401(k)s. Key plan issues such as fee transparency; environmental, social and governance (ESG) investments; and inclusion of cryptocurrency investments are also addressed. The course incorporates both currently applicable law and future, to-be-phased-in requirements from the SECURE 2.0 Act.

Study Materials for RPA 1, including a new Study Guide and textbook, are available for purchase. You’ll be able to take exams for the new course beginning in the third testing window of 2024. Online Study Groups With Instructor Support for the new courses will be offered for the first time during the fall 2024 session.

Below is an outline of the new U.S. course:

RPA 1—Directing Retirement Plans Part 1

Module 1: Private Retirement Plans: Background and Context

Module 2: Defined Contribution and Defined Benefit Structures

Module 3: Defined Benefit Approaches and Executive Plan Arrangements

Module 4: Overview of Defined Contribution Plan Structures and Stock Compensation Plans

Benefits in Action #1: Filing a Section 83(b) Election

Module 5: Profit-Sharing and Money Purchase Pension Plans

Module 6: Foundations of 401(k) Plans

Module 7: Defined Contribution Practice Issues

Module 8: Special Purpose Plans: 403(b)s, 457s and ESOPs

Benefits in Action #2: Retaining Key Executives

Module 9: Small Employer Retirement Plan Alternatives

Benefits in Action #3: Selecting a Small Employer Retirement Plan

Module 10: Individual Retirement Accounts (IRAs)

Benefits in Action #4: Leaving a Job: What to Do With Your Retirement Plan

Module 11: Integrated Case Study: Retirement Planning: Achieving Personal Goals for Plan Participants and Strategic Results for Senior Management

Questions?

If you have any questions about Study Materials or the new U.S. RPA 1 course, please reach out to our CEBS Customer Service team at cebs@ifebp.org.

Course Corner: Canadian RPA 2 Revisions

CEBS Course Updates

As the employee benefits industry evolves, the Certified Employee Benefit Specialist® (CEBS®) designation’s curriculum is updated to reflect this reality. The Canadian RPA 2 course has been fully revised to meet the changing retirement plans landscape. This new CEBS course will help you gain valuable skills that you can put into practice on the job today as well as provide emergent, cutting-edge knowledge that will prepare you for future roles.

RPA 2 presents investment theory that is transferable to management of assets in any type of employer-sponsored retirement plan, whether pension or nonpension. This includes plans such as group tax-free savings accounts and employee savings plans, which are mostly unrestricted by government regulations and contribution limits. Investment environment, financial markets and instruments, risk and return, asset allocation, performance measurement and portfolio management techniques are addressed. The practical application of this theory is identified through examination of investment-specific legislation and regulations, roles and responsibilities of key stakeholders, management of issues in each step of the investment cycle, reporting and communication practices, and industry tools and guidelines that support sound plan investment management. Text-based reading is supported with regulatory guidance and industry-based practice guidelines.

Study Materials for RPA 2, including a new Study Guide and textbook, are available for purchase. You’ll be able to write exams for the new course beginning in the third testing window of 2024. Online Study Groups With Instructor Support for the new courses will be offered for the first time during the fall 2024 session.

Below is an outline of the new Canadian course:

RPA 2—Managing Retirement Plans Part 2

Module 1: Navigating the Investment Environment of Employer-Sponsored Retirement Plans

Module 2: Inventorying the Major Asset Classes

Benefits in Action #1: What should you know about your DC plan investment options before enrolling?

Module 3: Managing Investment Risk and Return

Module 4: Constructing an Investment Portfolio—Part 1

Module 5: Constructing an Investment Portfolio—Part 2

Benefits in Action #2: How do we decide on the assets to include in our pension fund?

Module 6: Evaluating Active Management Performance

Benefits in Action #3: How do Retirement Plan Committees review DB plan investment activities?

Module 7: Leveraging Managed Funds to Achieve Investment Objectives

Benefits in Action #4: How can we use managed funds to meet tests of investment prudence?

Module 8: Complying With Legislative and Best Practices in Plan Asset Investment

Module 9: Developing the Statement of Investment Policy

Module 10: Implementing the Defined Benefit Pension Plan Investment Policy

Module 11: Implementing the Capital Accumulation Plan Investment Policy

Module 12: Capstone Case: Managing Pension Plan Investments in Accordance With Governance and Regulatory Requirements

Questions?

If you have any questions about Study Materials or the new Canadian RPA 2 course, please reach out to our CEBS Customer Service team at cancebs@ifebp.org.

What’s Your CEBS Story? Scott Wertheim, CEBS

What's Your CEBS Story

Earning your Certified Employee Benefit Specialist® (CEBS®) designation is a learning journey. Along the way, you acquire valuable employee benefits knowledge and relevant new skills. As you apply what you’ve learned to your work, you can forge a unique career pathway that is truly your own. Here’s a designee’s CEBS story.

A Chat With Scott Wertheim, CEBS

Scott Wertheim, CEBS

Principal, Financial Advisor

CAPTRUST

Could you describe how expanding your professional network has helped you attain success?

I obtained my designation a number of years ago (it feels like too many to count) when I was just starting out in the retirement plan advisory business. I selected the CEBS program because it covered the entire spectrum of benefits and, at the time, I had very little experience. My original goal was to gain some academic experience within retirement plans, but I quickly noticed the depth of topics available across the other remaining courses. While completing the coursework on my own, I started to network with benefit professionals who either had or were pursuing the designation. The initial connections helped keep me motivated to follow through with achieving the designation while also expanding my network of benefit professionals. This came in handy as I moved into a consulting role and started to engage directly with plan sponsors.

Could you share some insight about how pursuing your CEBS designation demonstrates that you’re a lifelong learner and an expert in your profession?

Obtaining the CEBS designation is only the first step on a long, never-ending journey for self-improvement and advancement of knowledge. Other credentials do not have the same breadth of coursework. I could have easily focused solely on retirement and not engaged in the other areas of the benefits world. However, selecting the CEBS designation shows a desire to constantly learn about all types of benefits, which is a challenging, broad field of study. There is no shortage of learning opportunities. I also believe that learning goes beyond the academic side of the program. Learning for me involves being active with my local chapter, colleagues and friends. This helps further my development and expertise in the field as well as be a positive member of our community.

Could you share a story about how you prepared for your CEBS exam and applied what you learned to your work?

I chose the self-study approach for my CEBS exams. I spent a lot of time prepping for exams during the evenings while trying to learn my job during the day. The two new skills were intertwined because the academic content I studied at night was fresh on my mind during the day. This turned out to be very helpful and allowed me to add value to our firm’s clients while building my own credibility since I was starting out with very little experience. Without being prepared and engaged in the program, I believe my career growth would have been slower and may have taken a different turn.

Could you describe how earning your CEBS designation has supported you in your role and professional growth?

Once I completed my courses and received the designation, I was immediately recognized by my boss, and my accomplishment was announced to the entire firm. This was viewed positively by senior management since it was not a requirement for my job and I was the only one in the firm at the time to have the CEBS designation. By this time, I was directly involved with supporting our retirement plan clients and starting to branch out into business development. It was during my initial sales efforts when I noticed that I was receiving favorable attention from fellow CEBS graduates or individuals working through the program on their own. To this day, the CEBS designation on my business card often results in discussions about the program. The CEBS designation has opened doors to opportunities for working with people who would otherwise not be interested in hearing from “another consultant.” It provides a common ground from which a relationship can be developed. Everyone who has completed the program or is in the process knows the commitment required to achieve the designation, and I have found that leads to a new level of respect.

Visit CEBS online for information about purchasing course materials, signing up for an Online Study Group, virtual exams and more details on the program. Do you need further guidance on your CEBS journey? Whether you’re about to take your first step or getting close to earning your designation, we’re here to help! Give us a call at (800) 449-2327, option 3, or email cebs@ifebp.org.

What’s Your CEBS Story? Sarah Corrigan, CEBS

Earning your Certified Employee Benefit Specialist® (CEBS®) designation is a learning journey. Along the way, you acquire valuable employee benefits knowledge and relevant new skills. As you apply what you’ve learned to your work, you can forge a unique career pathway that is truly your own. Here’s a designee’s CEBS story.

A Chat With Sarah Corrigan, CEBS

Sarah Corrigan, CEBS

Account Manager

Diverse Benefits & Financial Planning Inc.

Could you describe how earning your CEBS designation has supported you in your professional growth?

I work for a group benefits and retirement brokerage. Upon earning my CEBS designation, I became the account manager. Our industry is incredibly competitive. When a prospective client is searching for a broker and they see that they hold the CEBS designation, a trust is instantly formed because they know that anyone holding those letters has put in the time and effort to learn about what they’re selling.  Clients know that the professional background and knowledge are there without having to dig deeper.

Could you share a story about how you prepared for your CEBS exams and applied what you learned to your work?

When I pursued my CEBS designation, I had been out of a learning environment for ten years. Not since university did I have to spend my nights buried in textbooks. I’ll admit, it was a daunting task to cram binders’ worth of benefit and retirement knowledge into my brain, but what I found amazing and unlike any previous learning experience was how quickly I was able to apply my new-found knowledge.

Take in the content in small chunks. There is a lot of information.  It can be overwhelming to be staring at a massive Study Guide, but break it down.  Coffee is your friend!

Could you share some insight about how pursuing your CEBS demonstrates that you are an expert in your profession?

The great thing about the CEBS program is that it has all relevant content that is constantly being updated. I was already working for my current employer at the time as an administrative assistant, and I was able to apply what I was reading to my work on day one. There is no wasted information in these courses, and even now, I find myself referring to the Study Guides.

Having the CEBS designation has earned me a level of credibility with our clients that I would not otherwise have. Earning your CEBS designation will open a whole host of doors for you.

Visit CEBS online for information about purchasing course materials, signing up for an Online Study Group, virtual exams and more details on the program. Do you need further guidance on your CEBS journey? Whether you’re about to take your first step or getting close to earning your designation, we’re here to help!  Give us a call at (833) 886-3749 or email cancebs@ifebp.org.

Create Good Habits for CEBS® Success

Three Tips to Study Smarter

It’s important to be able to keep track of all the legislation that has shaped benefit plans. Here are some tips for creating a timeline to help you retain this information for your Certified Employee Benefit Specialist® (CEBS) exam.

1. Draw a box for each piece of legislation that has been enacted.  Write the name of the law and the year it was passed inside the box.

2. Above each box, take note of the legal and economic climate at the time each law was passed.  Why was the law enacted?  What was happening in the benefits industry at that time?

3. Add several bullet points under each box describing the effect of the legal change.

Check out additional study tips from CEBS grads in the video below!

Do you need guidance on your CEBS journey? Whether you’re about to take your first step or getting close to earning your designation, we’re here to help! For assistance with the U.S. curriculum, give us a call at (800) 449-2327, option 3, or email cebs@ifebp.org. To learn more about the Canadian curriculum, contact us at (833) 886-3749 or cancebs@ifebp.org.