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CFP - Certified Financial Planner (CFP) - Dump Information

Vendor : Financial
Exam Code : CFP
Exam Name : Certified Financial Planner (CFP)
Questions and Answers : 10 Q & A
Updated On : December 12, 2017
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CFP Questions and Answers


Answer: A


QUESTION: 8

According to the _, financial planners are not subject to the control of the act if they are: a bank or holding company that is not an investment company; a lawyer, accountant, engineer, or teacher who provides investment advice incidentally; a broker, dealer, or registered representative whose advice is incidental; the publisher of a magazine or journal that discusses financial planning; a person whose advice is limited to those securities guaranteed by the federal government; any other person not within the law as specified by the SEC

  1. Advisor Decision 1932
  2. Advisor Decision 1935
  3. Investment Advisors Act of 1948
  4. Investment Advisors Act of 1940

Answer: D


QUESTION: 9

A is a multiple-employer trust that can be used to prefund employee benefits.

  1. voluntary employee beneficiary association (VEBA)
  2. voluntary employee care association (VECA)
  3. involuntary employee beneficiary association (IEBA)
  4. involuntary employee care association (IECA)

Answer: A


QUESTION: 10

A is the right of an employee to receive cash and/or stock equal to the increase in the value of the company's stock after the date of purchase.

  1. stock appreciation duty
  2. stock appreciation right
  3. stock appreciation purchase
  4. stock appreciation option

Answer: B



Financial CFP Exam (Certified Financial Planner (CFP)) Detailed Information

CFP® CERTIFICATION REQUIREMENTS
The CFP® certification process, administered by CFP Board, identifies to the public that those individuals who have been authorized to use the CFP® certification marks in the U.S. have met rigorous professional standards and have agreed to adhere to the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence when dealing with clients.
Upcoming Exam Dates: November 15–19, 2016
Education Verification Deadline: October 18, 2016
Early Bird Registration for the March 2017 CFP Exam will open on November 22, 2016.
YOUR PATH TO CFP® CERTIFICATION
Clarissa Hobson, CFP®, Senior Financial Planning Advisor, Carnick & Kubik, is interviewed about the credibility she gained by becoming a CFP® professional.
CFP BOARD CANDIDATE FORUM
CFP Board Candidate Forum Logo
Need advice, have a question, or looking for support on your path to CFP® certification? Take part in a dynamic conversation with other candidates in a convenient community site.
Join the discussion today!
CFP Board conducted a nationwide consumer survey among upper-income households. That survey reflects the public's growing demand for financial planners who adhere to rigorous standards. Of those surveyed:
85% considered successful completion of a certification examination "very important" or "extremely important."
95% felt financial planners should adhere to professional practice standards.
97% said the most important standard for financial planners was adherence to a professional code of ethics.
CFP® professionals must pass the comprehensive CFP® Certification Examination, pass CFP Board's Fitness Standards for Candidates and Professionals Eligible for Reinstatement, agree to abide by CFP Board's Code of Ethics and Professional Responsibility and Rules of Conduct which put clients' interests first and comply with the Financial Planning Practice Standards which spell out what clients should be able to reasonably expect from the financial planning engagement. These are just some of the reasons why the CFP® certification is becoming increasingly recognized.
In addition, the CFP® certification prepares you for a career-long commitment to meeting the ever-changing needs of your clients. As a CFP® professional, you become a coach and problem-solver, able to provide truly personalized services to clients and to maintain high levels of financial planning and professionalism. Finally, your expertise and credibility as a financial planner is instantly communicated with the CFP® marks - the financial planning certification most sought after by consumers and financial planners alike.
Track Your Path to CFP® Certification
Our online CFP® Certification Tracker tool helps you see at a glance your progress toward CFP® certification and how to take your next steps. Learn more »
INITIAL CERTIFICATION
To become certified, you are required to meet the following initial certification requirements (known as the four "Es"):
Education
Examination
Experience
Ethics
These four components are briefly described below; subsequent sections of this Guide to CFP® Certification provide detailed information about each component. While the CFP® certification requirements may be changed from time to time, you will be expected to meet the requirements that are in place at the time you apply for the CFP® Certification Examination.
Education
The first step to CFP® certification is to acquire the knowledge required to deliver professional, competent and ethical financial planning services to clients, as outlined in the major personal financial planning topic areas identified by CFP Board’s most recent Job Analysis Study (See the list of Principal Topics). CFP Board’s coursework component requires the completion of a college-level program of study in personal financial planning, or an accepted equivalent (through Challenge Status or Transcript Review), including completion of a financial plan development (capstone) course registered with CFP Board. You must also have earned a bachelor’s degree (or higher) from a regionally-accredited college or university in order to obtain CFP® certification. The bachelor’s degree requirement is a condition of initial certification; however, it is not a requirement to be eligible to take the CFP® Certification Examination and does not need to be met before registering for the examination. CFP Board does not grant equivalencies or exceptions to the bachelor’s degree education requirement.
Examination
After you have successfully met the education coursework requirement, you will be eligible to register for the CFP® Certification Examination. The CFP® Certification Examination assesses your ability to apply your financial planning knowledge, in an integrated format, to financial planning situations (See the Principal Knowledge Topics). Combined with the education, experience, and ethics requirements, it assures the public that you have met a level of competency appropriate for professional practice.
Experience
Because CFP® certification indicates to the public your ability to provide financial planning without supervision, CFP Board requires you to have 6,000 hours of experience through the Standard Pathway, or 4,000 hours of experience though the Apprenticeship pathway that meets additional requirements. Qualifying experience may be acquired through a variety of activities and professional settings including personal delivery, supervision, direct support, indirect support or teaching.
Ethics
CFP® professionals agree to adhere to the high standards of ethics and practice outlined in CFP Board’s Standards of Professional Conduct and to acknowledge CFP Board’s right to enforce them through its Disciplinary Rules and Procedures. When you have completed the education, examination and experience components of the CFP® certification process, you will be directed to complete a CFP® Certification Application on which you will be asked to disclose information about your background, including your involvement in any criminal, civil, governmental, or self-regulatory agency proceeding or inquiry, bankruptcy, customer complaint, filing, termination/internal reviews conducted by your employer or firm. CFP Board conducts a detailed background check for all candidates, including review of any disclosures made on the CFP® Certification Application. Matters that may or will bar you from obtaining certification are investigated in accordance with CFP Board’s Disciplinary Rules and Procedures. Authorization to use the CFP® marks will not be approved until the background check and any investigation are concluded successfully.
Important Note
Applicants for CFP® certification are required to satisfy CFP Board’s Fitness Standards for Candidates and Professionals Eligible for Reinstatement, which describe conduct that will always bar an individual from becoming certified and conduct that is presumed to be unacceptable and will bar an individual from becoming certified unless the individual successfully petitions CFP Board’s Disciplinary and Ethics Commission for consideration. CFP Board encourages all individuals pursuing CFP® certification to review the Fitness Standards for Candidates and Professionals Eligible for Reinstatement before addressing the other certification requirements.
CERTIFICATION RENEWAL
Once you have been authorized to use the CFP® marks, you must meet CFP Board’s renewal standards to continue to use them.
The renewal requirements include the following:
Pay the annual $325 certification fee (non-refundable),
Submit a properly completed certification application (every two years), and
Complete 30 hours of continuing education (CE) accepted by CFP Board every two years.
The CE requirement includes 28 hours in the accepted financial planning content areas and 2 hours of CFP Board approved ethics CE. Your renewal deadline will generally coincide with the month of your birth, and the initial continuing education (CE) requirement and renewal fee are prorated.
The certification fee, in conjunction with other sources of revenue including exam fees, supports the operations of CFP Board in fulfilling its mission and objectives. Some of these activities include protection of the CFP® certification marks; enforcement of CFP Board’s Standards of Professional Conduct; educating the public about the CFP® marks; and development and administration of the CFP® Certification Examination.
BECOME A CFP® PROFESSIONAL
Americans are struggling to pull their finances together and plan for the future. The financial planning profession is growing to address that need, with the career path expected to grow 41% by 2016, according to Money Magazine and Payscale.com. Only a select group of planners have met the rigorous requirements necessary to call themselves CERTIFIED FINANCIAL PLANNER™ professionals.
Achieving CFP® certification can help you:
Build Your Future by Helping Others Build Theirs: As a CFP® professional with valuable expertise, you can expect personal satisfaction as well as financial rewards.
Make an Impact: You can make a difference at a time when more Americans are struggling to pull their finances together and plan for the future.
Stand Out: CFP® certification communicates your expertise and credibility
Certified Financial Planner - CFP

What is a 'Certified Financial Planner - CFP'
A certified financial planner (CFP) refers to the certification owned and awarded by the Certified Financial Planner Board of Standards, Inc. The CFP designation is awarded to individuals who successfully complete the CFP Board's initial and ongoing certification requirements. Individuals desiring to become a CFP professional must take extensive exams in the areas of financial planning, taxes, insurance, estate planning and retirement.
BREAKING DOWN 'Certified Financial Planner - CFP'
Attaining the CFP designation takes experience and a substantial amount of work. CFP professionals must also complete continuing education programs each year to maintain their certification status.
Detailed Requirements to Obtain the CFP Designation
A candidate aiming to earn the CFP must meet requirements in four categories: education, CFP exam, work experience and ethics. The education requirements contain two major components. First, the candidate must verify that he holds a bachelor's degree or higher from an accredited university or college recognized by the U.S. Department of Education. Second, completion of a list of specific coursework in financial planning is required by the CFP Board. Most of this second requirement, besides the capstone course, may be bypassed if the candidate holds one of many accepted financial designations, such as CFA, CPA or a higher degree in business.
All candidates are required to pass the CFP exam, which is a computer-based exam taken by candidates over a three-day period. The exam is 170 multiple choice questions, which include stand-alone questions as well as item-set-style questions. The exam topic weights change regularly but include areas such as professional conduct and regulations, financial planning principles, education planning, risk management, insurance, investments, tax planning, retirement planning, and estate planning. The candidate is tested in these areas as well as his ability to establish client-planner relationships, gathering information, analysis, and developing, communicating, implementing and monitoring recommendations.
As for professional experience, candidates must prove that they have at least three years of full-time professional experience in the industry, or two years of apprenticeship in the industry, which is subject to further individualized requirements. Lastly, the ethics requirements, candidates and CFP holders must adhere to the CFP Board's standards of professional conduct and regularly disclose information about their involvement in a variety of areas, such as criminal activity, government agency inquiries, bankruptcies, customer complaints or terminations by employers. Also, the CFP Board conducts extensive background checks on all candidates. Earning the CFP exam depends on all the above requirements; however, the CFP Board has final discretion on whether to award the designation to an individual or not.

Financial CFP

CFP exam :: Article by ArticleForgeAsk the economic experts: the way to become a licensed fiscal planner financial desires evolve over the years, and might develop into further and further complicated. When selecting a financial marketing consultant to support achieve these dreams, event and training are crucial elements, however so is working with a relied on associate who will always act to your ideal interest. this is one of our core fundamental beliefs right here at Bouchey financial community, and the leading explanation why we trust the licensed monetary Planner designation is a superb means for traders to differentiate between financial advisors.
All 4 participants of our advisory crew holds this distinction and one is also a CPA. definitely, our founder and President, Steven Bouchey, has held the designation for over 26 years. We believe it is more than only a title, however a vital designation it truly is backed by means of significant event and education requirements, which units a CFP skilled aside from different financial advisors.
There are basically seventy five,000 certified economic Planners across the us, and they're governed by using the licensed fiscal Planner Board of necessities (CFP Board). this is a non-income firm situated in 1985 to advertise the value of skilled and ethical financial planning features. The board units and enforces the requirements for CFP certification (see www.cfp.com for extra counsel). candidates for the CFP designation are required to complete graduate-degree route work on the following fiscal planning subject matters:
• Fundamentals of monetary Planning & insurance
commercial
• funding analysis & Portfolio management
• salary Tax Planning
• Retirement & worker merits
• property Planning
Candidates are also required to circulate a capstone presentation, which encompasses all of those themes introduced in a detailed hypothetical financial plan. The remaining step in obtaining the CFP designation is passing a six-hour, a hundred and seventy question examination. The examination is a comprehensive evaluation of the issues above, however also comprises questions about ethics and tutorial planning themes. someone obtaining the CFP designation has spent over 500 hours constructing theoretical and functional skills so one can then be applied to selected customer techniques. it's a big time dedication, however one that is worth it in an ever altering and complex economic panorama.
besides finishing the tutorial application, presentation, and passing the examination, CFP® gurus must grasp at least a bachelors-stage undergraduate degree and have three years of industry experience. CFP experts are also held to the maximum requisites of ethics and professional responsibility, while going through huge historical past assessments. Given the ever altering economic panorama, these authorities have to commit to annual carrying on with training on monetary planning topics and moral reforms. ultimately, they are held to a excessive fiduciary common that requires them to all the time act of their customers greatest pastime by way of placing customers’ interests ahead of their own continuously.
I joined Bouchey economic neighborhood returned in may whereas i was still in the procedure of completing the educational and presentation requirements for this designation. After 13 months of classwork, shows and learning, I lately handed the exam, and that i look forward to officially receiving my designation. I share our company’s belief in the importance of the CFP big difference and price the abilities I even have obtained right through this method.
Frank Fazio III is a Portfolio Strategist at Bouchey economic community, Ltd. with offices in Saratoga Springs and ancient Downtown Troy. e mail investment and economic planning inquiries to planningpaysoff@bouchey.com or study CFP our blog every week at www.stevenbouchey.com . tips contained in this column should no longer be regarded as the receipt of customized financial assistance and please discuss with your monetary advisor.

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Two develop into certified financial planners
FMB Wealth management in Westlake Village announced that two of its advisers at the moment are certified fiscal planners.
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Jeremy Fields(photograph: CONTRIBUTED photo)
Danny Mock (image: CONTRIBUTED photo)
WESTLAKE VILLAGE - FMB Wealth administration in Westlake Village introduced that two of its advisers at the moment are licensed financial planners.
Jeremy J. Fields and Danny Mock currently passed the CFP exam.
The CFP expert designation is proof of their dedication to the ideas of integrity, objectivity, competence, fairness, confidentiality, competence, professionalism, and diligence when dealing with consumers.
Fields and Mock can also be reached at 446-4494. For extra assistance, talk over with www.fmbwealth.com.
read CFP or Share this story: http://www.vcstar.com/story/funds/company/2016/12/01/two-turn into-certified-monetary-planners/94654292/
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complicated Over New questions about CFP examination There’s always a bit of of nervousness in the air when fiscal advisors examine for the rigorous licensed monetary Planner examination, however the version of the verify that’s coming subsequent week could be accompanied through greater than the regular share of caring.
The exam set for March 16-17 will characteristic new questions pushed by using a different philosophy through the CFP Board of necessities. the possibility of a new examination rattled so many individuals that the list turnout finally November’s examination—4,064 signed up—was at the least partly the outcomes of candidates who wished to evade this month’s examine, Director of Examinations Steven Barkley says. (another excuse was applicants in search of to take the look at various before Jan. 1, when new rules requiring additional school room necessities to qualify for the exam take effect. incidentally, November’s look at various had the second-superior move cost in the past five years—60.7 percent handed.
The CFP board in January sent round an email to capabilities verify-takers in quest of to allay probably the most challenge about what they known as “myths” surrounding the new exam. it might not be tougher than previous assessments, but related in difficulty, the board said. it could be within the same structure—285 distinct-choice questions over two days, with brief scenarios and longer case experiences. And it might now not require extra memorization, but somewhat center of attention on using knowledge to resolve complications which are concerning the work a monetary advisor in fact does.
“It’s actually a move from cognizance and rote memorization to requiring some higher cognitive functioning,” Barkley says. “Our purpose is to make the exam greater consultant of what practitioners do.”
a few of these forms of questions can also not shock individuals who have taken the look at various earlier than. CFP box-validated them in prior checks. (try two pattern questions further beneath that are illustrative of what the board wants to accomplish.) The board introduced more than a year ago that it deliberate to remodel one of the vital questions as a result of a evaluate it conducts every five years of the examination process. Barkley mentioned the method for making a choice on the reduce rating for the flow/fail fee would be corresponding to what’s been performed before.
Some advisors who are planning to take next week’s examination welcomed the brand new approach on questions. Hunter Brown, who works with customers and does advertising for an guide crew at Moneta neighborhood, is taking the check for the 2nd time. He’s focusing more on case reports in his evaluate this time round. The previous examination required “extra technical regurgitation,” he says, and the new exam is “a favorable step.”
Ryan Whiteman, a economic marketing consultant at Whitehurst economic group of Raymond James & buddies in Coral Gables, Fla., says that working with shoppers is seldom whatever thing that a series 7 license examination can put together you for. the new CFP approach addresses this, he believes.
“again and again (shoppers) don’t necessarily comprehend what they want, and they latest you with all this advice and it’s as much as you to make whatever thing of it,” says Whiteman, 25, who has his collection 7, collection 66, and existence/health/variable annuities licenses, and is taking the CFP for the first time next week.
take a look at the truth set beneath and then are attempting the examples of the new CFP questions:
5 years in the past John and Barbara, who are of their mid 50s and have one adult baby out of school, experienced a pointy increase in income (10 instances) within a two-12 months period. Their culture and the complexity of their fiscal condition increased respectively. Their revenue statement's bottom line elevated and their assets/liabilities increased as neatly (third domestic, credit card debt, and many others.). they had no retirement discounts at age 50; after consulting their accountant, they applied a 401(k) and defined benefit plan with the twin intention of deferring taxes and saving for retirement. John and Barbara’s enhance in revenue become primarily based upon Barbara’s success at a new company mission. John is the business supervisor of the undertaking. Their monetary assumptions had been in line with unrealistic earnings assumptions and they have been not organized for the contemporary recession or their guardian business’s subsequent reorganization. considering the fact that the reorganization their profits fell via 65%. because of this, they'd a mortgage on a 2d home in Las Vegas (purchased on the height of the precise estate market), under one month of emergency reserves, and six-figure credit card debt. They have been unable to fund their pension responsibility (to themselves) and closed the plan, whereas additionally taking the highest loans from their 401(okay)s to repay their credit playing cards.
John and Barbara's pursuits include: automatically organising an emergency fund, deciding upon how lots profits can be needed from investments to supplement Social security and work in retirement, and getting read CFPy an exit method for real estate holdings.
item #1A CFP® skilled observes that John and Barbara are continually residing a number of steps forward of their capability. They guarantee the CFP® professional that they're going to reign of their spending, however their bank card balances continue to rise. all of the following are perfect suggestions apart from:
  • A) Terminate the connection with the valued clientele
  • B) document their inability to take suggestions to look after the observe from risk
  • C) counsel the shoppers on credit card stability switch ideas
  • D) Ask their son to discuss with his parents about their spending habits and accumulated debt
  • suitable answer: D
    Key RationaleThe CFPprofessional can not talk about delicate tips with a further loved one until he/she has prior permission, can fire the customer, document lack of comply with thru, and counsel the customer, so D is essentially the most acceptable reply.
    item #1 is an example of the type of situation a CFP® professional has likely encountered in post recession america. The customers (John and Barbara) reside above their potential. This query requires the candidate to synthesize client spending, ethical ideas, observe specifications and communication competencies to identify which answer is simply now not appropriate.
    reply option A is actually applicable. The planner could terminate the connection with a shopper. in the one hundred-1 sequence apply average, a CFP® professional must outline client and adviser duties. by means of continuing to live above their skill, the shoppers can be presenting a circumstance where the planner and client can not meet obligations to one an additional (reminiscent of funding dreams).
    alternatives B and C are both viable results a financial planner may still take if he/she goes to continue a relationship with the client. whereas choice B isn't an best answer to the consumers’ instant complications; the system of documentation may also cause further discussion. choice B requires an realizing of the four hundred sequence practice specifications; overspending ought to be documented as a dilemma when presenting the customer with simple and alternative techniques. If the valued clientele will proceed to overspend they're going to require flexibility in reductions products. choice C holds to the ethical ideas of competence and objectivity; the CFP® expert would deserve to address the customer purpose of managing debt by way of setting up a debt administration plan.
    option D, the proper reply option (primary as the Key) violates the ethical principle of self belief. A CFP® expert may also no longer disclose customer counsel (in this case spending habits, debt and conduct) directly to an adult child without felony compulsion or the customers’ direct involvement.
    merchandise #2Barbara feels that the financial system is on the verge of a turn-around. She has an opportunity to expand her business, and, if she is appropriate concerning the economy, this will notably develop earnings. she can want an extra $50,000 for this enlargement. what's probably the most appropriate suggestion for Barbara and John as it pertains to company growth?
  • A) Borrow $50,000 from a house fairness line of credit
  • B) Take a $50,000 loan from their 401(okay)s
  • C) herald a certified partner who is in a position to commit the capital
  • D) Use a part of the money reserve to fund a element of the enlargement
  • suitable reply: C
    Key RationaleThey can't find the money for to increase the debt load, 401(k) mortgage is just too harmful if unable to repay, and money reserves should still not be drawn down for a non-emergency. C is probably the most acceptable answer.
    merchandise #2 requires the candidate to show an figuring out of case information. The customer narrative expresses that the consumers are indebted with a six-digit bank card debt. The question asks the candidate to identify probably the most proper recommendation. whereas all concepts would supply Barbara with $50,000, the candidate ought to synthesize the possibility of each and every option before making a decision. The client narrative provides the candidate with Barbara and John’s prior assumptions (like countless boom) which can also provide the basis for skilled skepticism.
    answer alternatives A and B bring further debt publicity to the customer. extra debt exposure for a client heavily indebted will jeopardize monetary security and wellness, and if Barbara’s hunch is inaccurate, will hasten negative financial consequences.
    alternative D takes far from their last cash reserves - which have in the past been decreased to at least one month of living costs. while residing rate degrees vary client to client; cutting back one month by means of $50,000 is much less correct than the appropriate answer option, C. Bringing an out of doors associate into the challenge may additionally limit future profits in the event Barbara’s hunch is appropriate but does not discipline the purchasers to extra loss publicity. Of the options presented, C is the most proper.

    study CFPing For The CFP exam The certified financial Planner designation has turn out to be commonly considered because the definitive mark of competence by investors and monetary experts. Many educational items obtainable to the public motivate beginner traders and customers to searching for authorities who have earned this credential. no longer most effective will the fabric realized from the CFP route curriculum enhance a scholar's expert competence, however the status of protecting the designation will likely enhance his or her company as well. (This may be especially proper for these wishing to charge an hourly fee for giving monetary guidance.)
    one of the vital leading benefits that the CFP designation presents is the means for a fiscal skilled in any given field to more advantageous take into account how what she or he does suits into a consumer's ordinary fiscal circumstance. even if you're, or plan to be, a inventory broker, insurance agent, tax skilled, loan personal loan officer, banker or believe officer, you're going to improvement enormously from reaching the CFP designation. read CFP on to find out how to analyze for and achieve your CFP.
    What to ExpectThose who intend to sign up in a single of the various accepted CFP classes accessible should have a good suggestion of what they're getting themselves into. it will take the general student at least 1,000 hours of examine time to get via both the coursework and the exam, assuming that she or he passes the examine the primary time.
    The exam covers five leading accessories:
    1. coverage, together with modules on education planning, ethics and the financial planning process2. Investment3. Tax4. Retirement5. property Planning
    The examine itself is 10 hours long and is broken up into one four-hour session on Friday and two three-hour Saturday periods. all over this time, the pupil ought to answer 285 numerous-option questions, which encompass two comprehensive case stories. The case experiences are designed to force the student to proactively apply the route material to a "true existence" client or household.
    The examination is given three times per year, in March, July and November, and the passing fee for every examination is usually 50 to 60%. Statistically speaking, the chances of a given student passing the verify are maximum for the primary examination, and then minimize for every subsequent exam. It have to be referred to, although, that these numbers are somewhat skewed with the aid of a section of scholars who continuously retake the exam to are trying and circulate it "bloodless" devoid of ample preparation. hence, college students who do not flow the test the primary time may still no longer become discouraged.
    counsel for making read CFPy for the ExamStudents who've handed other insurance or FINRA-administered securities assessments may also think that those will serve as fabric training for the CFP exam; sadly, nothing can be farther from the actuality. while one of the crucial equal cloth is lined on both sorts of assessments, the skills required is applied reasonably in another way for the CFP examination. listed here are a couple of suggestions for you to help you as you study CFP:
    1. do not focus on memorizing ideas. Licensing exam tests with ease quiz the look at various taker on his or her retention of the fabric. The CFP board examination demands much more of the student, requiring no longer simplest competencies of the material, however also the means to correctly synthesize and practice it to actual monetary planning instances.
    actually, the methods of analyze used by way of many for licensing tests may be counterproductive when preparing for the CFP board examination. whereas there's an excellent deal of memorization required for both the former and latter tests, students who do no greater than this to put together for the CFP examination will be fairly unprepared.
    2. be taught the CFP board's reasoning. Many college students may have problem knowing how the CFP board arrives at an answer that it considers to be "relevant," because the pupil would under no circumstances view the reply to a particular query that manner in an genuine planning situation. The CFP board has a particular purpose that it uses to rationale out the answers to its look at various questions, and this purpose have to be understood and applied accurately via the scholar in an effort to pass the examination.
    3. aim to achieve the finest grade possible. The examination itself also differs from licensing exams in that there is no specific percentage "grade," equivalent to 70%, that have to be carried out to be able to pass. The scholar effortlessly receives a "pass" or "fail" response in the mail just a few weeks after the look at various is taken.
    recommendations for SuccessThere are a variety of ideas that students can also make use of to enhance their probabilities of passing the look at various. These include:
    1. reply each query. make certain that you reply every question, notwithstanding it skill guessing. you have a 25% probability of guessing appropriately and a 0% possibility getting the right reply if the question is without difficulty skipped. 2d, in case you can safely eliminate one or two of the possible solutions, your probabilities of picking out an accurate reply enhance vastly.
    2. keep your first reply your last answer. The scholar's first option has proved to be essentially the most correct answer.
    three. know your taxes! in terms of overall coursework, most college students with out a history in taxation will agree that the tax area is probably the most problematic to gain knowledge of and follow. A corollary of here is that legal professionals and CPAs have the maximum move rate of any segment of scholars who take the exam. therefore, it could be a good idea to be taught the tax portion of the cloth earlier than even starting the CFP curriculum.
    a good way to do this is to sit for the IRS Enrolled Agent exam, because the big majority of the cloth from this check is additionally existing in one kind or one more on the CFP exam. students who employ this method will discover that doing so will assist them once they attain the tax component to the coursework. it's going to additionally read CFPily "grease" the whole course for them in a way, as each and every of the different sections covers the tax rules relevant to that area as well (i.e., the coverage part covers the taxation of assurance, and many others.).
    4. enroll in a evaluation route. an additional key to passing the examine for many students is taking one of the most many evaluation courses provided by using coursework providers. These lessons can be beneficial to college students who are combating assimilating the ocean of fabric this is lined in the coursework.
    Instructors for these classes will commonly give "inside" advice on how to purpose during the case reports, as well as point out how a good deal consideration may be given to definite test issues. for many college students, realizing what advice they could likely chance ignoring can also be as constructive as understanding what they must comprehend.
    there are lots of possible themes within the CFP board verify financial institution that aren't tested or will be assigned very few questions. If students recognize which issues will fall into this category, they can use their time and energy to center of attention on greater vital topics.
    To Cram or now not to CramMany college students soak up to 5 years to finished the whole curriculum of coursework this is required with a view to sit for the CFP® board examination. whereas some will get throughout the cloth in a fraction of that time, all of them will face the equal situation when examine day comes. Some examination prep manuals will teach students no longer to cram or assessment for the verify, however many students have benefited from doing so. college students should trust their respective stages of preparedness and brief-term don't forget ability if they are contemplating this strategy.
    ultimate Bits of AdviceAs with any verify, the student should still get a good night's sleep before, devour breakfast, put on comfy outfits and be organized for intensely bright lights and uncomfortable chairs.
    while the volume of cloth that's presented within the course curriculum is intimidating, almost any scholar who's in a position to assimilate that tips can circulate the examination. only a few americans who flow the CFP exam ever regret the time they spent making read CFPy for it, and many will say that doing so aided not only in passing the test, however also in constructing a degree of discipline that could be applied to other areas of their lives.

    licensed monetary Planner and training skilled Alan Kifer Inks publication deal with Branded professional PuublishingALAN C. KIFER is a licensed financial Planner® and Managing Director of exact Gun monetary Planning LLC. He turned into named the usa’s 1st Retirement marketing consultant of the yr in 2001.
    Kifer, who specializes in assisting company owners and families with maximizing their investment cost, can be writing a ebook on a way to design a plan to insure a safe and comfy tradition.
    Kifer states “life experiences have taught me that planning and discipline are completely fundamental for success.” 
    Kifer holds the CFP designation that identifies those individuals who've met the journey and ethical necessities, have correctly achieved fiscal planning coursework and have handed the CFP Certification Examination overlaying right here areas: monetary planning, possibility management, investments, tax planning and management, retirement and worker benefits, and estate planning.
    CFP certificants should additionally conform to meet ongoing carrying on with training necessities and to uphold the certified Planner Board of standards Inc.’s Code of Ethics and professional accountability and monetary Planning observe standards. 
    Alan Kifer, a worldwide leader in wealth management, gives entry to a wide range of items and services to individuals, agencies and institutions, together with broke investment advisory functions, economic and wealth planning, cash administration, and retirement and believe functions.
    A former top Gun teacher and 24 yr U.S. Air drive aviator, Alan become named the international Air Forces’ Navigator of the yr in 1995. The Speaker of the U. S. condo of Representatives honored Alan with the “Citizen of benefit” award.
    With an unquenchable thirst for training and researching, considering the fact that retiring from the Air drive Alan has earned greater than 18 accepted degrees, licenses and/or designations, and holds both a Masters degree in monetary functions and a Masters degree in company Administration/ administration.
    seek his new ebook in early 2017, which will be purchasable on Amazon and other country wide e-book sellers.
    Media ContactCompany identify: Branded knowledgeable PublishingContact adult: C. Mike LewisEmail: Mike@BrandedExperts.comPhone: 404-218-6552Country: United StatesWebsite: http://BrandedExpertPublishing.com



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A. 1-31-10 B. 01-31-10 C. 1-31-2010 D. 01-31-2010 Answer: B QUESTION: 86 Which of the following LotusScript statements can convert a text string into an array of strings? Split Implode Separate SplitText Answer: A QUESTION: 87 The NotesUIWorkspace.DialogBox will display a dialog box to the user, using a design based on which of the following? A specified form A specified subform A rich text field on the current document A table or layout region on the current document Answer: A QUESTION: 88 Gunner would like the cursor to move to the Company field when the form is opened. Which one of the following sets of events and methods on the NotesUIDocument object should he use? PostOpen, GoToField QueryOpen, GoToField Field entering, GoToBottom QueryOpen,GoToNextField Answer: A QUESTION: 89 If you want a block of LotusScript to run AFTER a document opens but BEFORE the user has control of it, what form event could you use to put the code into? onLoad QueryOpen PostModeChange QueryModeChange Answer: A QUESTION: 90 If you call the Print method of NotesUIDocument with no parameters, what will happen? The entire document will be printed to the default printer A print dialog will appear, prompting the user for print properties Only the first page of the document will print to the default printer An error will occur, because the first parameter of the Print method is required Answer: B Lotus 190-737 Exam (Using LotusScript in IBM Lotus Domino 7 Applications) Detailed Information IBM Collaboration Solutions information Certification Levels Discounts and Promotions Test Fees News and announcements Certification Test Withdrawal Certifications enhance the personal brand of an individual. Learn about the benefits IT Certification can bring to organizations, individuals and service providers. 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New Advanced Sametime 9.0 Certification Launched IBM Collaboration Solutions teams with WebSphere to release a new certification New IBM OpenSocial Certification Available IBM Collaboration Solutions Certification announces the release of a new OpenSocial Certification New IBM Sametime 9.0 Certifications Available IBM Collaboration Solutions Certification announces the release of two new Sametime Certifications IBM Collaboration Solutions Assessment Tests Not sure if you are prepared for a certification exam? Take an assessment test to measure your level of preparedness Preparing for an IBM Collaboration Solutions Certification Exam Learn the best method of preparing for an IBM Collaboration Solutions certification exam, as well as information on authorized preparation materials and assessment tests. 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This unusual arrangement helps teams increase productivity, but places demands on network administrators who must ensure uptime, security and compliance. IBM Lotus certification empowers IT professionals to balance the centralized needs of their employers with the evolving demands of end users. IBM Lotus Employers IBM Lotus users tend to remain loyal, especially to a system that has grown from a simple internal communications system to a development platform for custom desktop and mobile applications. Companies that have revealed themselves as IBM Lotus users include some of the largest firms in the world, as well as medium-sized businesses with recognizable brand names. However, IBM's connections to the nonprofit, government and education sectors have ensured wide Lotus adoption in all of those arenas. State governments, federal agencies, and even the United Nations rely on Lotus for critical communication and intelligence. As a result, graduates of IBM Lotus training programs can choose from a list of the most reliable employers in the world. Types of IBM Lotus Certifications IBM offers dozens of specialized Lotus certifications in a handful of broad focus areas: IBM Lotus Notes Domino 8.5 Application Development IBM Lotus Notes Domino 8.5 System Administration IBM Lotus Notes Domino 8 Application Development IBM Lotus Notes Domino 8 System Administration IBM Lotus Live Advanced Collaboration IBM Lotus Sametime IBM Lotus Security Professional IBM Lotus Web Content Management IBM Workplace IBM WebSphere Portal The modular nature of IBM certifications makes them even more attractive to IT professionals working at companies that offer tuition reimbursement or other subsidized professional development benefits. For instance, an Associate Application Developer can use job experience and formal training to prepare for certification as a fully-fledged Application Developer. With a few more years of development experience, the same professional can train to earn the Advanced Application Developer designation. Professionals can mix and match certifications and training to gain more precise knowledge of both Notes and Domino. Taking the IBM Lotus Certification Exams Like other certifications, IBM Lotus tests require applicants to endure a proctored examination at a third-party testing facility. According to recent salary surveys conducted by Global Knowledge and Foote Partners, many employers consider completion of formal IBM Lotus training almost as good as earning formal certification. IBM works closely with colleges, universities and career training centers to ensure students gain access to fully accredited training and practice material. Whether working one's way up the company ranks or preparing for an entirely new career, IBM Lotus certification offers measurable paths to long-term career success. 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Offers externships and clinical experience that help students prepare for life after they graduate. Has 10 campuses across the mid-Atlantic, plus online degree programs. Good for Working Adults Flexible Scheduling Accelerated Programs Financial Aid Transferable Credits Regent University , Online Regent University Visit www.regent.edu Visit School Site » Bachelor’s program options include Cybersecurity, Information Systems Technology, Computer Science, and more. A BAS in Information Systems Technology is also available for students who already hold an A.A.S degree. Regent University’s tech programs are designed to prepare students for careers in Software Development and Engineering, Computer Information Security, Network Administration, and more. Regionally accredited by the Southern Association of Colleges and Schools Commission on Colleges (SACSCOC). 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(Choose all that apply.) install encode archive encrypt compress unencrypt Answer: B, C, E Question: 77 When you configure NFS export settings for a share point, selecting "Map All users to nobody" _. prevents export of any items or contents to any users tell the NFS server to treat every user the same: as nobody tells the NFS server to trust what the client reports for user identification creates a shared user list of valid IP addresses to communicate with via NFS Answer: B Question: 78 Using the Windows service in Server Admin, Mac OS X Server v10.3 can be configured to . (Choose all that apply.) allow Guest access reshare NFS volumes be an Active Directory server be a Primary Domain Controller be a member of a Windows workgroup Answer: A, D, E Question: 79 In Mac OS X Server v10.3, you should enable strict locking when you are sharing a volume over . FTP only AFP only SMB only AFT and FTP AFP and SMB Answer: E Question: 80 Network users often have multiple passwords, a distinct password for each network service they access. Which is NOT a valid way to simplify this situation for users in Mac OS X v10.3? Set up a Kerberos environment on the network. Have users store their login information for different servers in Keychain. Set up a directory service to make user and password information available to all computers. Have users access network servers without authenticating, using the Network icon in the Finder-rather than using the Connect Server command, which requires users to authenticate. Answer: D Question: 81 Which is an appropriate FIRST step when performing a software update on multiple computers That have Mac OS X v10.3? Restart each computer in single-user mode. On one computer, choose Download Checked items from the update menu in Software update. On one computer, choose copy update to multiple computers from the update menu in software update. Copy the Software Update preferences from a computer on which the update has been installed to all the other computers. Answer: B Question: 82 You are in a Terminal window, and your current directory is your home directory. What could you Type to display the contents of the file named my file? Which resides in your home directory? cat My File cat /Myfile cat~MyFile cat./MyFile cat ~/MyFile Answer: A, D, E Question: 83 Which statements are true about Open Directory? Choose all that apply Open Directory is extensible via plug-ins. Open Directory runs on Mac OS X Server only. Open Directory does NOT provide load balancing. You manage Open Directory using Open Directory Assisyant. An Open Directory server can function as a windows Primary Domain Controller. Answer: A, E Question: 84 What does the Console utility do? Displays log files Controls monitor setup. 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