CSI Applied Financial Planning Certification Exam 1 (AFP) 認定 AFP-Exam-1 試験問題:
1. What financial information would Deandra a financial planner, analyze in order to increase her client's net worth by decreasing expenses?
A) Budget
B) Expense report
C) Current cash flow statement
D) Net worth statement
2. 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 results in a pension adjustment and withdrawals are tax-exempt for the recipient.
B) It reduces RRSP contribution room but is exempt from regulatory limits.
C) It is exempt from regulatory limits and withdrawals are tax-exempt for the executive.
D) It leaves RRSP contribution room unaffected and is exempt from regulatory limits.
3. Wendy, age 60, has a holding company whose sole asset is a commercial property. The property appreciated considerably in value over the last 10 years, and she expects the property value will continue to grow. Wendy is concerned about the tax implications this may have when she dies and leaves the property to her children.
What strategy should Wendy's financial planner recommend to her?
A) Sell the property to her children below market value.
B) Transfer the common shares of the company into joint name with her children.
C) Gift common shares to her children and retain majority ownership.
D) Conduct an estate freeze.
4. 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) Assets held joint tenants in common.
B) Registered plans with an adult child designated as the beneficiary.
C) Insurance contracts with a preferred beneficiary designated.
D) Assets held in a formal, irrevocable trust account.
5. Harley is a novice investor who has just set up his first FHSA. He has a high-risk tolerance to market volatility and his primary investment objective is growth. He would like to invest $10,000 and will use the funds as part of the first-time home buyers plan within the next year. What investment should Harley purchase within this FHSA?
A) An equity focused mutual fund.
B) A one year locked-in GIC.
C) An income-focused mutual fund.
D) A high interest savings account.
質問と回答：
| 質問 # 1 正解： A | 質問 # 2 正解： D | 質問 # 3 正解： D | 質問 # 4 正解： A | 質問 # 5 正解： D |
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