Canfield, OH, November 11, 2016 — Sam Morocco, a Personal Insurance Executive at Gem Young Insurance & Financial Services Inc, has earned the Retirement Income Certified Professional® (RICP®) designation from The American College of Financial Services in Bryn Mawr, PA.

Candidates for the RICP® designation must complete a minimum of three college level courses and are required to pass a series of two-hour proctored exams. They must also have at least three years of experience, meet stringent ethics requirements, and participate in The College’s continuing education program.

The designation represents the culmination of years of experience, the completion of a rigorous educational program and a commitment to upholding a high ethical standard. “Gem Young encourages its employees to continuously improve their skills and knowledge. We strive to have the best trained staff in the industry. We’re all very proud of Sam’s accomplishment.” said Gem Young President, Leo Daprile.

The RICP® designation curricula is one of the most complete and comprehensive program available to professional financial advisors looking to help their clients create sustainable retirement income.The rigorous three-course credential helps advisors master retirement income planning, a key focus area not fully covered in other professional designation programs. From retirement portfolio management techniques and mitigation of plan risks to the proper use of annuities, employer-sponsored benefits and determining the best Social Security claiming age, the RICP® provides a wealth of practical information for advisors.

Using the most current techniques, RICP®s identify retirement income needs and objectives and evaluate a client’s current situation relative to those goals. Individuals who earn a RICP® designation can provide expert advice on a broad range of retirement topics including income needs and objectives, estate issues and other risks to the retirement income planning, Social Security, health insurance and housing decisions, and income taxation.

About The American College
The American College is the nation’s largest non-profit educational institution devoted to financial services. Holding the highest level of academic accreditation, The College has served as a valued business partner to banks, brokerage firms, insurance companies and others for over 86 years. The American College’s faculty represents some of the financial services industry’s foremost thought leaders. For more information, visit

About Gem-Young

Gem-Young is Western PA and the Mahoning Valley’s premier insurance and financial planning firm with offices located in Canfield and East Liverpool, Ohio. We are a locally owned, family-run business offering home and auto insurance, business insurance, life and health insurance, and a true wealth advisory asset management service. We believe in making a difference in our clients' lives.