RMA Cheat Sheet 2026

The 30 highest-yield RMA facts, distilled from real exam questions. Print it, save it as a PDF, or study it here — free, no sign-up.

1. Under the Social Security Windfall Elimination Provision (WEP), who is most likely to be affected? → Workers who also receive a pension from employment not covered by Social Security
2. Which statistical process control tool is best suited for identifying the most frequent sources of errors in retirement plan document reviews? → Pareto chart
3. What role does data analytics play in Retirement Management Adviser Certification decision-making? → It supports evidence-based decisions by identifying patterns and trends in data
4. What does OSHA stand for? → Occupational safety and health act
5. A physician orders heparin 2,500 units subcutaneously. Available is heparin 5,000 units/mL. How many mL should be given? → 0.5 mL
6. When making up invoices for insurance companies, ICD numbers should be used. What does ICD mean? → International classification of diseases
7. When proofreading a business letter, which error type involves incorrect word usage rather than spelling (e.g., 'their' vs. 'there')? → Homophone error
8. In order to prescribe controlled substances a medical practitioner needs a license from…? → The DEA
9. If medication is taken sublingually it is taken…? → Orally
10. A client asks about a complex tax strategy involving a Roth conversion. The adviser is unsure of the full implications. The BEST approach is to: → Acknowledge the complexity, commit to researching it, and schedule a follow-up meeting
11. Why is epinephrine sometimes added to a local anesthetic? → To cause vasoconstriction and prolong the anesthetic effect
12. A medical assistant applies a blood pressure cuff that is too small for the patient's arm. What effect will this have on the reading? → The reading will be falsely high
13. What is the purpose of risk management in retirement planning? → To reduce the risk and protect assets during retirement
14. What does 'e-prescribing' allow a provider to do? → Send prescriptions electronically directly to a pharmacy
15. Which instrument is used to hold back the edges of an incision for better visibility? → Retractor
16. Why is retirement income planning important? → It helps ensure you have sufficient income during retirement
17. What does 'gram-positive' mean when bacteria are classified by Gram stain? → The bacteria retain the crystal violet dye and appear purple under the microscope
18. A specimen for anaerobic culture should be handled how? → Transported quickly with minimal air exposure
19. Under SECURE Act 1.0, the required beginning date for RMDs was changed so participants who turn 72 after which year must begin RMDs at age 72? → 2019
20. How can life insurance help in retirement planning? → It can provide income replacement and wealth transfer during retirement
21. The 'point of service' field on a claim links a procedure to its: → Supporting diagnosis
22. Which type of isolation requires the patient's room to have NEGATIVE air pressure relative to the hallway? → Airborne infection isolation (AII)
23. Which position places the patient flat on their back with legs elevated in stirrups, used primarily for gynecological examinations? → Lithotomy position
24. The prescription abbreviation 'tid' indicates the medication should be taken how often? → Three times daily
25. An RMA must maintain client records for how long according to general professional and regulatory best practice? → At least 5–7 years, consistent with SEC/FINRA requirements and state regulations
26. Which chemical agent is commonly used as a skin antiseptic before minor surgery? → Povidone-iodine or chlorhexidine
27. What does a palliative drug do? → Relieves symptoms
28. Which of these fluids presents the greatest risk of HIV infection to medical workers? → Blood
29. The first step when removing sutures is to do what? → Clean the suture area with antiseptic
30. Which of the following is an example of negligence in healthcare? → Providing care without proper training or authorization