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CSI AFP-Exam-1 Exam Syllabus Topics:

CSI Applied Financial Planning Certification Exam 1 (AFP) Sample Questions:

1. Ram Patel, age 65, is meeting with his financial planner, Maria Romano, to complete a financial plan. Ram is retiring this year, and his company provides a defined benefit pension plan. Upon retirement, he has the choice of receiving $20,000 each year for 20 years or until death (whichever is earlier), or he can take
$304,300, which is the commuted value at retirement. Ram has confirmed that he will be transferring the commuted value to a LIRA. After further discovery, Maria suggests that they utilize a 5% market rate of return and project the funds to last 25 years. What should Maria update Ram's projected annual retirement income to?

A) $21,000.
B) $20,000.
C) $24,418.
D) $21,591.

2. Owen and Lina are looking to purchase a home in the next few months. Owen is the primary income earner for the family. His credit history is weak with several recently paid collections Lina has a perfect credit record but limited income and irregular employment. What will their financial planner advise them about the impact their credit ratings will have on their ability to secure a mortgage?

A) The primary income earner must have a minimum credit score to qualify
B) Lina's strong credit rating will make up for Owen's credit history
C) Since Owen's collections are paid, they would be able to qualify
D) Lina's low income will prevent them from qualifying

3. A retiree holds most of her investments in interest-bearing GICs inside a non-registered account while her TFSA is invested in cash. She has unused TFSA room and wants to improve after-tax efficiency without increasing total portfolio risk materially. What should the planner consider?

A) Borrowing to invest in the non-registered account.
B) Withdrawing RRIF minimums and gifting them immediately.
C) Moving all assets into speculative equities.
D) Holding more interest-bearing assets inside the TFSA.

4. 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) Conduct an estate freeze.
B) Sell the property to her children below market value.
C) Gift common shares to her children and retain majority ownership.
D) Transfer the common shares of the company into joint name with her children.

5. Interest rates are expected to rise sharply. Which fixed-income security would normally have the highest price sensitivity to that change, all else equal?

A) High-interest savings account.
B) Floating-rate note.
C) Twenty-year zero-coupon bond.
D) Six-month treasury bill.

Solutions: