CSI Applied Financial Planning Certification Exam 1 (AFP) 認定 AFP-Exam-1 試験問題:
1. Jackson, a wealth advisor, is helping Terry, a self-employed IT professional, determine his net income. The goal is to develop a budget and savings strategy for the year ahead Terry has provided the information below:
What is Terry's net business income?
A) $225,000
B) $147,300
C) $220,300
D) $152,000
2. A client says she can emotionally tolerate a 30% portfolio decline, but she needs the money in 18 months for a home down payment and has no other savings. What should the planner conclude?
A) Her risk capacity is low despite her stated tolerance.
B) Her high tolerance automatically supports an all-equity portfolio.
C) Her investment experience is the only relevant factor.
D) Her tax bracket determines that equities are required.
3. Ali wishes to retire in five years. His financial planner calculates that he needs to save an additional $40,000 to meet his retirement income objectives. What would Ali's financial planner advise him to do in order to meet his retirement income objectives?
A) Take out a mortgage to invest and fund some of the retirement income shortage.
B) Invest more in equity market to achieve a higher return.
C) Reduce current expenses.
D) Purchase a whole-life insurance and invest within the policy.
4. Sheeba is a financial planner and meeting with Ivana, a new client. She explains that part of her process is to recommend products and services, but prior to doing so, she will closely investigate the options to ensure they match up with Ivana's goals. Which professional responsibility has Sheeba demonstrated to Ivana?
A) Professionalism.
B) Diligence.
C) Integrity.
D) Objectivity.
5. Tom has two children from a previous marriage. He has been paying $1,000 per month for spousal support and $1,500 per month for child support to his ex-wife. Recently, his ex-wife was awarded increased child support payments from Tom to cover unanticipated university expenses for one of the children. What should Tom's financial planner advise him about how this increased monthly payment may impact his finances?
A) The increased amount Tom pays in child support will result in a larger tax credit at the end of the year.
B) Net cash flow will be reduced equal to the amount of the extra child support payments, less the tax deduction.
C) Net cash flow will be reduced equal to the full amount of the extra child support payments.
D) The tuition tax credit for his child's post-secondary education will be applied towards Tom's taxes.
質問と回答：
| 質問 # 1 正解： A | 質問 # 2 正解： A | 質問 # 3 正解： C | 質問 # 4 正解： B | 質問 # 5 正解： C |
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