最新のAFP-Exam-1問題集で試験を準備する

CSI AFP-Exam-1 試験概要:

CSI AFP-Exam-1 試験シラバストピック:

CSI Applied Financial Planning Certification Exam 1 (AFP) 認定 AFP-Exam-1 試験問題：

1. A household has gross monthly income of $9,500. Their monthly mortgage payment is $2,100, property taxes are $425, heating costs are $175, car payments are $600, and minimum credit card payments are $250. What is their total debt service ratio?

A) 44.2%.
B) 31.1%.
C) 37.4%.
D) 28.4%.

2. A financial planner is invited to serve as a paid director of a private corporation owned by one of her clients.
The client also wants the planner to continue providing personal financial planning advice. What should the planner do before accepting the directorship?

A) Accept only if the client verbally confirms there is no conflict.
B) Accept because board compensation is separate from planning compensation.
C) Disclose the proposed outside activity and obtain required approval from her firm.
D) Transfer the client to another planner without documenting the reason.

3. Francois and Brigitte are meeting with their financial planner, Robin. They would like to ensure that if one of them were to die suddenly that their mortgage would be paid in full. Their current mortgage has an outstanding balance of $400,000 with 10 years remaining. The couple are in good health and have a well- balanced financial plan that focuses on debt reduction and savings. Which type of insurance policy should Robin recommend to assist the couple in meeting their objective?

A) Joint whole life first-to-die policy.
B) Joint whole life last-to-die policy.
C) Joint 10-year term first-to-die policy.
D) Joint 10-year term last-to-die policy.

4. If a deceased person was entitled to rights or things at death, what strategy should the estate representative use to enhance the net estate value after tax?

A) Transfer ownership of the rights or things to the beneficiaries of the estate.
B) File for annual tax reassessments on the terminal tax return until all rights or things are paid.
C) Include the rights or things in a second personal tax return for the deceased.
D) Include the rights or things in the deceased's final personal tax return.

5. 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) $21,591.
B) $24,418.
C) $21,000.
D) $20,000.

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