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Financial CFP : Certified Financial Planner (CFP Level 1) Exam

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Test Number : CFP
Test Name : Certified Financial Planner (CFP Level 1)
Vendor Name : Financial
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CFP test Format | CFP Course Contents | CFP Course Outline | CFP test Syllabus | CFP test Objectives


The CFP certification examination is a key requirement for achieving CFP certification. By passing the exam, you demonstrate that you've attained the knowledge and competency necessary to provide comprehensive personal financial planning advice to your clients. CFP Board is here to guide you with the support, tools and resources you need for a successful test experience.

To develop CFP test content that reflects the current practice of financial planning, CFP Board conducts regular Job Analyses to identify the important tasks performed by planners and assess the knowledge and skills needed to perform these tasks. This process is conducted by CFP professionals and led by testing experts to assure the test remains current, reliable, valid and legally defensible.

CFP Board works with volunteer CFP professionals to develop the exam. These volunteers include Subject Matter Experts (SMEs) who serve as item writers and reviewers, as well as members of the Council on Examinations, which is made up of SMEs with considerable experience with the CFP test who provide final review and approval of all test questions.

The criterion for passing the CFP test is established through a process known as Standard Setting, during which CFP professionals determine the minimal competency level required to pass the exam. CFP Board does not predetermine the pass rate for the test or have an established percentage of questions that must be answered correctly to pass.

The following Principal courses are based on the results of CFP Boards 2015 Job Task Analysis. The Principal Topics serve as a curricular framework and also represent subject courses that CFP Board accepts for continuing education credit, effective January 2016. Each test question will be linked to one of the following topics, in the approximate percentages indicated following the general headings.

8 PRINCIPAL KNOWLEDGE subject CATEGORIES:
A. Professional Conduct and Regulation (7%)
B. General Principles of Financial Planning (17%)
C. Education Planning (6%)
D. Risk Management and Insurance Planning (12%)
E. Investment Planning (17%)
F. Tax Planning (12%)
G. Retirement Savings and Income Planning (17%)
H. Estate Planning (12%)
A. PROFESSIONAL CONDUCT
AND REGULATION (7%)
A.1 CFP Boards Code of Ethics and Professional
Responsibility and Rules of Conduct
A.2 CFP Boards Financial Planning Practice Standards
A.3 CFP Boards Disciplinary Rules and Procedures
A.4 Function, purpose, and regulation of financial
institutions
A.5 Financial services regulations and requirements
A.6 Consumer protection laws
A.7 Fiduciary
B. GENERAL PRINCIPLES OF
FINANCIAL PLANNING (17%)
B.8 Financial planning process
B.9 Financial statements
B.10 Cash flow management
B.11 Financing strategies
B.12 Economic concepts
B.13 Time value of money concepts and calculations
B.14 Client and planner attitudes, values, biases and
behavioral finance
B.15 Principles of communication and counseling
B.16 Debt management
C. EDUCATION PLANNING (6%)
C.17 Education needs analysis
C.18 Education savings vehicles
C.19 Financial aid
C.20 Gift/income tax strategies
C.21 Education financing
D. RISK MANAGEMENT AND
INSURANCE PLANNING (12%)
D.22 Principles of risk and insurance
D.23 Analysis and evaluation of risk exposures
D.24 Health insurance and health care cost management (individual)
D.25 Disability income insurance (individual)
D.26 Long-term care insurance (individual)
D.27 Annuities
D.28 Life insurance (individual)
D.29 Business uses of insurance
D.30 Insurance needs analysis
D.31 Insurance policy and company selection
D.32 Property and casualty insurance
E. INVESTMENT PLANNING (17%)
E.33 Characteristics, uses and taxation of investment vehicles
E.34 Types of investment risk
E.35 Quantitative investment concepts
E.36 Measures of investment returns
E.37 Asset allocation and portfolio diversification
E.38 Bond and stock valuation concepts
E.39 Portfolio development and analysis
E.40 Investment strategies
E.41 Alternative investments
F. TAX PLANNING (12%)
F.42 Fundamental tax law
F.43 Income tax fundamentals and calculations
F.44 Characteristics and income taxation of business entities
F.45 Income taxation of trusts and estates
F.46 Alternative minimum tax (AMT)
F.47 Tax reduction/management techniques
F.48 Tax consequences of property transactions
F.49 Passive activity and at-risk rules
F.50 Tax implications of special circumstances
F.51 Charitable/philanthropic contributions and deductions
G. RETIREMENT SAVINGS AND
INCOME PLANNING (17%)
G.52 Retirement needs analysis
G.53 Social Security and Medicare
G.54 Medicaid
G.55 Types of retirement plans
G.56 Qualified plan rules and options
G.57 Other tax-advantaged retirement plans
G.58 Regulatory considerations
G.59 Key factors affecting plan selection for businesses
G.60 Distribution rules and taxation
G.61 Retirement income and distribution strategies
G.62 Business succession planning
H. ESTATE PLANNING (12%)
H.63 Characteristics and consequences of property titling
H.64 Strategies to transfer property
H.65 Estate planning documents
H.66 Gift and estate tax compliance and tax calculation
H.67 Sources for estate liquidity
H.68 Types, features, and taxation of trusts
H.69 Marital deduction
H.70 Intra-family and other business transfer techniques
H.71 Postmortem estate planning techniques
H.72 Estate planning for non-traditional relationships

1. ESTABLISHING AND DEFINING THE
CLIENT-PLANNER RELATIONSHIP
A. Identify the client (e.g., individual, family, business, organization)
B. Discuss the financial planning process
C. Explain scope of services offered
D. Assess and communicate ability to meet the clients needs and expectations
E. Identify and disclose conflicts of interest in client relationships
F. Discuss responsibilities of parties involved
G. Define and document the scope of the engagement
H. Provide client disclosures
1. Regulatory disclosure
2. Compensation arrangements and associated potential conflicts of interest
2. GATHERING INFORMATION NECESSARY
TO FULFILL THE ENGAGEMENT
A. Explore with the client their personal and financial needs, priorities and goals
B. Assess the clients level of knowledge, experience and risk tolerance
C. Evaluate the clients risk exposures (e.g., longevity, economic, liability, healthcare)
D. Gather relevant data including:
1. Summary of assets (e.g., cost basis information, beneficiary designations and titling)
2. Summary of liabilities (e.g., balances, terms, interest rates)
3. Summary of income and expenses
4. Estate planning documents
5. Education plan and resources
6. Retirement plan information
7. Employee benefits
8. Government benefits (e.g., Social Security, Medicare)
9. Special circumstances (e.g., legal documents and agreements, family situations)
10. Tax documents
11. Investment statements
12. Insurance policies and documents (e.g., life, health, disability, liability)
13. Closely held business documents (e.g., shareholder agreements)
14. Inheritances, windfalls, and other large lump sums
3. ANALYZING AND EVALUATING THE
CLIENTS CURRENT FINANCIAL STATUS
A. Evaluate and document the strengths and vulnerabilities of the clients current financial situation including:
1. Statement of financial position/balance sheet
2. Cash flow statement
3. Capital needs analysis (e.g., insurance, retirement, major purchases
4. Asset protection (e.g., titling, trusts, etc.)
5. Asset allocation
6. Client liquidity (e.g., emergency fund)
7. Government benefits (e.g., Social Security, Medicare)
8. Employee benefits
9. Investment strategies
10. Current, deferred and future tax liabilities
11. Estate tax liabilities
12. Tax considerations
13. Income types
14. Retirement plans and strategies (e.g., qualified plans, IRAs)
15. Accumulation planning
16. Distribution planning
17. Estate documents
18. Ownership of assets
19. Beneficiary designations
20. Gifting strategies
21. Executive compensation (e.g., deferred compensation, stock options, RSUs)
22. Succession planning and exit strategy
23. Risk management (e.g., retained risk and insurance coverage)
24. Educational financial aid
25. General sources of financing
26. Special circumstances (e.g., divorce, disabilities, family dynamics, etc.)
27. Inheritances, windfalls, and other large lump sums
28. Charitable planning
29. Aging and eldercare
30. Mental capability and capacity issues
B. Identify and use appropriate tools and techniques to conduct analyses including:
1. Financial calculator
2. Computer spreadsheet
3 Financial planning software
4. DEVELOPING THE RECOMMENDATION(S)
A. Evaluate alternatives to meet the clients goals and objectives
1. Sensitivity analysis (e.g., factors outside of client control)
B. Consult with other professionals as appropriate
C. Develop recommendations considering:
1. Client attitudes, values and beliefs
2. Behavioral finance issues (e.g., anchoring, overconfidence, recency)
3. Their interdependence
D. Document recommendations
5. COMMUNICATING THE RECOMMENDATION(S)
A. Present financial plan and provide guidance
1. Goals
2. Assumptions
3. Observations and findings
4. Alternatives
5. Recommendations
B. Obtain feedback from the client and revise the recommendations as appropriate
C. Provide documentation of plan recommendations and any additional disclosures
D. Verify client acceptance of recommendations
6. IMPLEMENTING THE RECOMMENDATION(S)
A. Create a prioritized implementation plan with timeline
B. Directly or indirectly implement the recommendations
C. Coordinate and share information, as authorized, with others
D. Define monitoring responsibilities with the client (e.g., explain what will be monitored, frequency of monitoring, communication method(s))
7. MONITORING THE RECOMMENDATION(S)
A. Discuss and evaluate changes in the clients personal circumstances (e.g., aging issues, change in employment)
B. Review the performance and progress of the plan
C. Review and evaluate changes in the legal, tax and economic environments
D. Make recommendations to accommodate changed circumstances
E. Review scope of work and redefine engagement as appropriate
F. Provide ongoing client support (e.g., guidance, education)
8. PRACTICING WITHIN PROFESSIONAL AND REGULATORY STANDARDS
A. Adhere to CFP Boards Standards of Professional Conduct
B. Manage practice risk (e.g., documentation, monitor client noncompliance with recommendations)
C. Maintain awareness of and comply with regulatory and legal guidelines



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Financial testing

The trying out challenge: charge | CFP Dumps and test dumps

The pressures of time and value are consistent boundaries to effective implementation. These pressures can also be offset, as an example, by using spending extra money to in the reduction of trying out time. adding to this inherent trying out challenge is the expanding complexity of built-in processing techniques. but when they put money into tools which boost productiveness, they will deliver more straight away and be enhanced organized to deal quite simply with expanding complexity. In their existing article within the ‘checking out challenge’ sequence they seem at the role of charge in trying out price techniques and provide some ideas about how to manipulate it.

The deployment and operation of payment gadget know-how and the accurate testing of programs is important to business success in financial functions. even if it’s an immense quarterly waterfall software liberate or this week’s Agile update, malicious program-free programs are charge important. information travels speedy when whatever goes wrong, and if it does you have to act immediately to minimize expenses and reputational hurt. all and sundry from the CEO downwards recognizes how crucial here's, so why is it so tricky to get correct?

The checking out problem

Let’s focal point on prices. in the broadest terms, here are cost sources for device testing:

test tools

  • purchase or building
  • preservation
  • enhancements
  • Personnel Time

  • construction and upkeep of checks
  • Execution of checks          
  • tool practicing
  • Let’s trust the two components of device checking out (new capability trying out and regression testing) and how their can charge demands regularly upward thrust over time.

     

    testing new capabilities

    In its simplest kind, we're purely checking out new capabilities of an present system the usage of a single, present look at various tool (let’s call it the “base” test device). however, over time, the fact grows more complex, leading to greater fees:

  • New capabilities commonly imply including complete programs into the financial operations mix, which might also now not be testable with the latest examine device.
  • Even inside the base check device, new processing device services frequently require new capabilities.
  • Over time, many agencies finish up with an “organically” grown mix of different check tools provided by means of external events, and other checking out capabilities developed internally. maintenance and customized development expenses for external test equipment, commonly from diverse carriers, don't seem to be without difficulty controllable. The personnel charges of preserving advantage in varied equipment and establishing assorted inner techniques are limitless. Personnel prices rise if any look at various device is developed internally, due to the fact that it has to be proven before new capabilities are brought. not to mention that any negative examine results may also suggest that the trying out device itself is at fault.

    besides the elevated can charge of executing tests for all new techniques and system capabilities, the starting to be complexity of equipment architecture considerably increases the time obligatory for system integration checking out. look at various equipment customarily simulate a single member of a backward and forward message exchange. gadget integration trying out with this category of check device usually requires that all other systems used within the check message circulate are “reside”, it really is, the techniques now not below examine have to be the precise hardware and utility system. system maintenance, software complications and configuration problems in anybody device disables the combination checking out of them all. And having statistics out of sync between techniques motives principal complications.

     

    Regression checking out

    In its least difficult form, regression checking out is easily an ever-turning out to be set of checks performed on a single gadget using a single test device designed to examine that system. A basic set of exams derived from the normal gadget implementation gives the core look at various circumstances and new ones are added as each and every new set of capabilities in a liberate are brought. however, over time, similar challenges arise in regression testing to those in new potential checking out.

    whereas regression avoids having to execute the brand new assessments for the liberate, it requires trying out of methods that aren't up to date. And the complexity of programs integration trying out is compounded in regression trying out.  All techniques have to be involved in regression programs integration, and the aforementioned problems of availability and accuracy are compounded. Superimposing the complexity of equipment integration testing upon the increasing numbers of unit and integration regression exams ends up in an unmanageable regression effort.

    abstract of cost affects

    The fees of the different types of checking out discussed above may also be summarized as follows:

    verify tools

    buy or construction

  • New systems require the purchase or building of new verify equipment.
  • New capabilities for latest test equipment require the purchase of further add-ons from exterior carriers, or the construction of inner tools
  • protection

  • bought check tools incur re-licensing prices.
  • Internally developed examine equipment require personnel fees to be kept up up to now.
  • Personnel Time

     development and preservation of checks

  • creation of latest exams on numerous checking out systems
  • replace of historical exams on distinctive testing systems
  • introduction of examine data on numerous testing structures
  • test mission Execution

  • management of facts on assorted testing platforms
  • Execution operations on diverse checking out systems
  • analysis of test consequences on distinctive testing structures
  • Integration trying out

  • conserving availability of all “reside” programs while integration checking out each device
  • administration of information consistency move all platforms
  • tool practising

  • preserving the knowing of all of verify equipment either by means of people or interfacing teams
  • upkeep of tool understanding regardless of personnel turnover
  • obtaining potential in legacy techniques and verify equipment
  •  

    a price-managed method

    while a certain amount of can charge in all these areas is a truth of testing life, charges may also be controlled provided that a single check atmosphere is ample for all examine calls for. youngsters, when diverse separate systems are a part of the universal solution, the cost of numerous tools to test all techniques absolutely and the lack of ability of a single tool to simulate all systems reduces manage. the way to regain manage during this instance is a single, tremendously flexible look at various tool which gives here can charge merits:

  • One supply of purchase and upkeep can charge
  • One manner for help management
  • Centralized examine development and protection interface
  • Centralized examine facts administration
  • Centralized test execution and outcomes evaluation capabilities
  • The potential to simulate all techniques in an integration verify apart from the equipment beneath look at various
  • practicing on a single equipment up entrance and all over personnel turnover
  • Our adventure has led us to develop a check platform which enables businesses to simulate a real world transaction throughout legacy systems, multi-step transactions, APIs, internet features and tokenisation. This helps to cut back cost and eliminated the barriers to positive implementation. 


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