CSI Applied Financial Planning Certification Exam 1 (AFP) : AFP-Exam-1

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CSI AFP-Exam-1 Prüfungsthemen:

CSI Applied Financial Planning Certification Exam 1 (AFP) AFP-Exam-1 Prüfungsfragen mit Lösungen

1. Dianna is visiting with Karen, her Financial Planner, and is excited to report that she has just bought her dream home. She has also let Karen know she Is meeting with an insurance representative to purchase a whole life insurance to cover her 20-year mortgage. Why might Karen suggest Dianna consider term life insurance instead?

A) It is better suited for long term insurance needs.
B) The term policy has a cash value, which can be borrowed against.
C) The cost of premiums is lower than whole life.
D) The client's health may deteriorate as she gets older.

2. Richard reviewed his divorce settlement from his partner Alex with his advisor Maria. He is deciding between providing a lump sum spousal support payment of $60,000 or making monthly payments. If Richard's income is $200,000 and Alex's income is $40,000, what should Maria advise Richard about the tax implications for both Richard and Alex in regard to the lump sum payment?

A) Richard will deduct half of the lump-sum support payment and pay taxes on the remaining $170,000 of income and Alex will claim the other half of the lump-sum support payment in addition to his earned Income of $40,000.
B) Richard will deduct the payment and pay taxes on the remaining $140,000 of income and Alex will pay taxes only on his earned income of $40,000.
C) Richard will deduct the payment and pay taxes on the remaining $140,000 of income, and Alex will pay taxes on the lump-sum payment of $60,000.
D) Richard will pay taxes on the entirety of the $200,000 and Alex will pay taxes only on his earned income of $40,000.

3. Jimi and Macy, both age 26, consider themselves risk averse. After reviewing their budget with their financial planner, they discovered that they have a negative cash flow every couple of months due to their discretionary spending habits. What would be an appropriate strategy for their financial planner to recommend to the couple to manage their negative cash flow?

A) Setup individual personal line of credit and pre-authorized contribution in individual non-registered account.
B) Setup individual TFSA and pre-authorized contribution.
C) Setup joint TFSA and pre-authorized contribution.
D) Setup joint personal line of credit and pre-authorized contribution in a joint non-registered account.

4. Priya grants her brother trading authority over her non-registered investment account. Her brother calls the financial planner and asks for Priya's full net worth statement, tax return, and beneficiary information so he can "help with planning." What should the planner do?

A) Provide only the investment account value and refuse everything else.
B) Decline the request unless Priya gives specific authorization for that information.
C) Provide all information because trading authority gives full access.
D) Disclose the information after confirming the brother's date of birth.

5. A higher-income spouse contributes to a spousal RRSP for the lower-income spouse. The lower-income spouse withdraws the contribution amount the following year. What should the planner warn them about?

A) The withdrawal may attribute back to the contributing spouse.
B) The contribution permanently eliminates all future spousal RRSP room.
C) The withdrawal is always tax-free.
D) The withdrawal must be taxed as capital gains.

Fragen und Antworten: