CSI Applied Financial Planning Certification Exam 1 (AFP) : 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. Justis, age 62, and his wife Jen, age 58, are meeting with their financial planner, Luke. They are both planning to retire by age 65. Their goals are to minimize debt and reduce taxes. The couple's financial situation is outlined below.

Justis' annual income is $25,000. He has a $15,000 RRSP, $30,000 single non-registered account and a
$25,000 TFSA. Jen's annual income is $60,000, and she has a $150,000 RRSP, $50,000 single non-registered account and a $20,000 TFSA.
Jen's marginal tax rate is 35%, and Justis' is 25%. Assuming all investments are making interest income of
10%, what would be the most appropriate strategy for Luke to recommend for the couple?

A) Use Jen's non-registered funds to pay all liabilities.
B) Use Jen's RRSP to pay all liabilities.
C) Use Justis's non-registered funds to pay off all liabilities.
D) Use Justis's RRSP to pay off all liabilities.

2. In which life cycle stage would a financial planner identify his client to be if they have a high mortgage balance and an unstable or lower income, and are willing to take on investment risk because of their longer time horizon?

A) Gifting.
B) Consolidation.
C) Financial independence.
D) Accumulation.

3. A client borrows $100,000 to invest in a non-registered portfolio expected to generate interest and dividend income. What tax principle is most relevant?

A) The investment income becomes tax-free because leverage is used.
B) Interest deductibility applies only to TFSA contributions.
C) Loan interest is never deductible for individuals.
D) Interest on borrowed money may be deductible when the funds are used to earn income from property.

4. Barbara, age 50, is meeting with her financial planner, Clark. Barbara has been hired as the Chief Executive Officer of a very successful privately owned business. Her salary will be $200,000 annually, plus a bonus.
Which retirement savings option should Clark recommend for Barbara?

A) An individual pension plan.
B) A retirement compensation arrangement.
C) A defined benefit plan.
D) A deferred profit-sharing plan.

5. James is visiting Gurjeet, his financial planner, to discuss his financial affairs after the recent passing of his long-time partner Peter. James is concerned that the cost of probate will be a heavy burden. Which holdings should Gurjeet advise James are included in calculating the cost of probate?

A) Registered plans with an adult child designated as the beneficiary.
B) Insurance contracts with a preferred beneficiary designated.
C) Assets held joint tenants in common.
D) Assets held in a formal, irrevocable trust account.

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