CSI Canadian Securities Course AFP-Exam-1

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CSI Applied Financial Planning Certification Exam 1 (AFP) 認定 AFP-Exam-1 試験問題:

1. Mary, an accredited financial planner, recently met with clients Michael and Radha. They are high- net-worth clients who are in their mid-40s. Michael is a heavy equipment operator at a local oil field, and Radha is a homemaker. They are ready to retire in 10 years and very excited to start planning for the next chapter in their lives. Mary explained her planning process, her accreditation, and her remuneration. When Mary presented the client agreement letter, both clients were surprised. They said they did not know why they would sign a letter to get advice on their own finances. How should Mary answer their question?

A) The client agreement letter is a non-legally binding contract that outlines the business relationship between the clients and the financial institution.
B) The client agreement letter outlines the overall investment strategy that is being recommended by Mary to Michael and Radha.
C) The client agreement letter sets expectation for the partnership between, the client, the financial planner and their partners.
D) The client agreement outlines the specific financial planning strategies that will be implemented to help both Michael and Radha achieve their financial goals.

2. Henry, age 48, has been working for Bac Inc, which is a federally regulated corporation, for over eight years.
He is looking to retire at age 50 and has decided to take the commuted value of his pension: $450,000, electing to transfer the eligible remainder to his RRSP (Income Tax Act maximum pension benefit transfer value of $210,000). Henry estimates he would need $1,800 (pre-tax every month) from his registered investments to meet his retirement income goal and is looking to maximize his RRSP contribution room.
Assume no inflation, an average tax rate of 15%, an unused RRSP contribution room of $90,000, and a life expectancy to age 90. What would be the required rate of return to meet Henry's goals?

A) 3,71%.
B) 6,71%.
C) 14,35%.
D) 10,09%.

3. A financial planner recently started her new role at the bank and decided to create a checklist when meeting with prospects. She wanted to include one item on the checklist that would allow her to understand her clients' tolerance for risk. What information should she add, that will help her achieve this objective?

A) Previous financial plan.
B) Qualitative questionnaire.
C) Tax returns.
D) Life insurance policy.

4. Derek recently inherited $900,000. He asks his financial planner to invest the entire amount in a concentrated portfolio of junior mining stocks. Derek has never invested before, has two young children, and is still deciding whether to purchase a home. What should the planner do first?

A) Place the trades because Derek has given clear instructions.
B) Invest half immediately and hold half in cash without further discussion.
C) Review Derek's objectives, risk tolerance, risk capacity, time horizon, and liquidity needs.
D) Refuse to work with Derek because he suggested a speculative portfolio.

5. Jonathan owns a medium size consulting firm and earns an average annual income of $150,000. He is reviewing his retirement plan with his financial planner. Jonathan asked his planner about retirement compensation arrangement and how this may benefit him. What should his financial planner tell him?

A) It reduces RRSP contribution room but is exempt from regulatory limits.
B) It results in a pension adjustment and withdrawals are tax-exempt for the recipient.
C) It leaves RRSP contribution room unaffected and is exempt from regulatory limits.
D) It is exempt from regulatory limits and withdrawals are tax-exempt for the executive.

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