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| Section | Objectives |
|---|---|
| Financial Planning Foundations | - Ethics and professional standards in financial advising - Financial planning process and client relationship management |
| Investment Planning | - Asset allocation and portfolio basics - Investment products and risk-return profiles |
| Insurance and Risk Management | - Risk mitigation strategies in financial planning - Life and health insurance fundamentals |
| Taxation Concepts | - Personal income tax principles - Tax-efficient investment strategies |
| Retirement Planning | - Retirement savings vehicles and planning principles |
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質問 # 94
Kendrick, age 55, owns a successful small business, ZXC Inc., valued at $800,000. Kendrick has extensive savings outside of the business and would like to pass the company onto his son at some point in the future.
Kendrick expects the business to increase in value $25,000 per year. If Kendrick decides to use an estate freeze to reduce the amount of taxes he will be required to pay, his financial planner should recommend that he implement the estate freeze at which point in relation to gifting the business to his son?
正解：C
質問 # 95
Henri and Jessica have recently moved in together and Henri has been helping Jessica with her investments.
Jessica names Henri trading authority on her TFSA. Henri calls their financial planner requesting to make Jessica's TFSA contribution for this year but first requests the overall balance in Jessica's bank accounts (TFSA, high yield savings, chequing) to know if this is possible. What action would be most appropriate for their financial planner to take?
正解：A
解説：
Henri's authority is limited to trading authority on Jessica's TFSA. That does not give him authority to receive information about Jessica's bank balances, high-interest savings account, chequing account, or broader financial position. Trading authority permits specific account instructions within its scope; it is not a privacy waiver and does not equal power of attorney. The planner must protect Jessica's confidentiality and require Jessica to contact the planner directly or provide proper written authorization. Providing the balances because Henri has some account authority would breach privacy and exceed the mandate. Allowing Henri to contribute from his own account introduces attribution and contribution-room issues and still does not authorize disclosure. Recommending an enduring POA is not the immediate response unless Jessica wants incapacity or management authority planning. Study Guide focus: client confidentiality, third-party authority, trading authorization, privacy, and account documentation. The same privacy standard applies even where the parties are spouses, partners, or informal helpers unless written authority exists.
質問 # 96
Bellamy, a registrant, recently prepared a financial plan for Stewart. As part of the plan, he recommended an asset allocation mutual fund that aligns with Stewart's Know Your Client and suitability. Stewart trusts Bellamy, accepts his recommendations, and is ready to provide purchase instructions. What next step should Bellamy complete in order to implement the strategy?
正解：A
解説：
Before the mutual fund purchase is implemented, Bellamy must provide the relevant Fund Facts document.
Canadian mutual fund sales rules require that investors receive concise disclosure about the fund's objectives, risk rating, fees, past performance, dealer compensation, and suitability considerations at or before the required point of sale. A simplified prospectus and annual report contain useful information, but the tested point-of-sale disclosure document is Fund Facts. Placing the buy order immediately skips the disclosure step.
Advising Stewart of licensing category and dealer information may be part of relationship disclosure, but it is not the next implementation step for this mutual fund purchase. The scenario states that the fund aligns with KYC and suitability and that Stewart is ready to give instructions; the remaining requirement is product disclosure before execution. Study Guide focus: mutual fund disclosure, Fund Facts, point-of-sale requirements, suitability, and registrant obligations. Providing Fund Facts also supports informed consent because the client sees costs and risk before purchase instructions are finalized.
質問 # 97
Bill was recently declined for a loan application at his financial institution, and he is concerned that a liability has been added to his credit bureau that does not belong to him. He asks his financial planner to review his credit bureau with him to help him identify why he may have been declined. Which area of the credit bureau might his financial planner advise Bill to review?
正解：A
解説：
Bill should review the account history section of the credit bureau. If a liability has been added that does not belong to him, it would normally appear as an account entry showing creditor name, account type, balance, payment status, opening date, and ownership or responsibility. Inquiries show who accessed the credit file, not whether an incorrect liability exists. Public record information may show bankruptcies, judgments, liens, or collections, but the question specifically asks about a liability added to the bureau. The number of previous declines is not the relevant bureau section for identifying a disputed account. The planner should advise Bill to obtain the full credit report, identify unfamiliar accounts, contact the credit bureau and creditor, and dispute inaccurate information in writing. Accurate credit reporting is critical before another loan application. Study Guide focus: credit bureau review, account history, credit disputes, borrowing capacity, and liability management. A documented dispute process is important because unresolved bureau errors can affect pricing, approval, and future borrowing capacity.
質問 # 98
A client's portfolio target is 50% equities and 50% fixed income. After a strong equity market, the portfolio is now 68% equities. The client's circumstances and objectives have not changed. What should the planner recommend?
正解：C
解説：
Portfolio drift changes risk. If the approved allocation is 50% equities and the current allocation is 68%, the portfolio now has materially more equity exposure than the client agreed to hold. Rebalancing restores the risk profile and imposes discipline after market movement. Option B is performance chasing; it uses recent returns as a reason to increase concentration without revisiting suitability. Option C overcorrects and may sacrifice the return required to meet long-term goals. Option D contradicts the monitoring function of an investment plan. A proper rebalancing recommendation should consider tax consequences, transaction costs, registered versus non-registered accounts, thresholds, and whether contributions or withdrawals can be directed to underweight asset classes. The rationale is not that equities are expected to fall. The rationale is that the client's portfolio should continue to reflect the documented objectives, constraints, and risk profile.
References/topics: rebalancing, portfolio monitoring, strategic allocation, risk discipline. Rebalancing thresholds should be stated before market movement occurs.
質問 # 99
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