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. Rosa has just learned that her daughter Marissa, age 23, does not intend to return to university. She has been saving for her daughter's education since Marissa was 10 and is concerned there will be a significant tax liability. How should Rosa's financial planner advise her to utilize the funds when she redeems the RESP in order to offset the tax liability?

A) Deposit the growth into her daughter's RRSP.
B) Deposit the full balance into her daughter's RRSP.
C) Deposit the growth into her own RRSP.
D) Deposit the full balance into her own RRSP.

2. Jimi and Macy, both age 26, consider themselves risk averse. After reviewing their budget with their financial planner, they discovered that they have a negative cash flow every couple of months due to their discretionary spending habits. What would be an appropriate strategy for their financial planner to recommend to the couple to manage their negative cash flow?

A) Setup joint personal line of credit and pre-authorized contribution in a joint non-registered account.
B) Setup joint TFSA and pre-authorized contribution.
C) Setup individual personal line of credit and pre-authorized contribution in individual non-registered account.
D) Setup individual TFSA and pre-authorized contribution.

3. Sarah Jones is an incorporated owner of a successful manufacturing company. She currently has a large month to month cash flow surplus. This is expected to continue until she retires in seven years. Her personal mortgage is up for renewal. She needs to borrow $50,000 so that she can replace a piece of equipment that is needed in the manufacturing process. She would like a solution that results in paying the lowest interest cost over the life of the loan. Which loan product should the financial planner recommend to Sarah? Assume monthly compounding for all products and no pre-payment options.

A) Refinanced personal mortgage with an interest rate of 1.35% and a 25-year amortization period.
B) Home equity line of credit with an interest rate of 3.75% and a 7-year interest-only payment with an end-of-term balloon payment.
C) Secured corporate loan with an interest rate of 5.25% and a 5-year amortization period.
D) Corporate mortgage with an interest rate of 2.25% and a 25-year amortization period.

4. Keitaro wants his spouse to receive income from his assets for life after his death, but wants the remaining capital to pass to his children from a prior marriage after the spouse dies. Which strategy best fits this objective?

A) Naming the estate as beneficiary of every account without trust provisions.
B) Testamentary spousal trust naming the children as capital beneficiaries.
C) Adding the children as joint owners on all assets immediately.
D) Outright gift of all assets to the spouse.

5. A planner establishes a long-term target portfolio of 65% equities and 35% fixed income based on the client's objectives and constraints, with periodic rebalancing. Which allocation approach is being used?

A) Speculative allocation.
B) Tactical asset allocation.
C) Market timing.
D) Strategic asset allocation.

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