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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Enabling Competencies | 16% | - Client Relationship and Practice Management - Professional Conduct and Regulatory Compliance |
| Topic 2: Technical Competencies | 84% | - Estate Planning - Investment Planning - Risk Management and Insurance - Asset and Liability Management - Retirement Planning - Tax Planning |
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問題 #35
In order to increase the assets in Rebecca's retirement savings, her financial planner is considering making a number of recommendations. Prior to obtaining her current employment, she withdrew funds from her RRSP under the Lifelong Learning Plan to upgrade her skills. She has four annual installments remaining on her Lifelong Learning Plan withdrawal and a small amount of savings in a TFSA. Rebecca now works as a sales associate in a small clothing store that has a group RRSP program for all employees which matches employee contributions. Which recommendation provides the best long-term impact to grow her retirement savings?
答案：D
解題說明：
The company group RRSP match is the strongest long-term retirement recommendation because it provides immediate additional savings from the employer. A matching contribution is effectively a guaranteed enhancement to Rebecca's retirement funding that she cannot replicate by simply transferring her TFSA or changing her asset mix. Repaying the Lifelong Learning Plan installments is required, but it does not create new employer-funded retirement capital. Maximizing equity exposure may improve expected return, but it must remain within risk tolerance and does not replace the value of free matching contributions. Transferring TFSA savings to an RRSP may produce a deduction, yet it sacrifices TFSA flexibility and does not address the employer match. The AFP planning priority is to capture available employer contributions first, then coordinate LLP repayments, TFSA use, and ongoing RRSP savings. Study Guide focus: group RRSPs, employer matching, LLP repayment, retirement accumulation, and savings prioritization. Missing the match would leave employer money unclaimed, which is rarely defensible when the employee can afford the contribution.
問題 #36
Tony, a financial planner, is meeting with his client, Howard, age 42. Howard would like to retire in 15 years.
His retirement goal is to have an annual gross income of $30,000 (in today's dollars). He is currently contributing $2,400 each year to his RRSP which is currently worth $275,000. Assume an average annual inflation rate of 3%, rate of return of 4% for the registered assets and a life expectancy to age 90. What will Tony determine as Howard's current surplus/shortfall at retirement?
答案：C
解題說明：
Howard has a retirement shortfall of approximately $16,801. The calculation requires inflating the $30,000 annual income goal for 15 years at 3%, projecting the current RRSP and annual $2,400 contributions at 4%, and then comparing the accumulated capital with the amount needed to fund income from retirement to age
90. The figures show that his current capital and planned contributions do not quite support the inflation- adjusted income target over the expected retirement period. Option A and option D incorrectly show a surplus. Option B uses the wrong shortfall amount. This question tests retirement projection mechanics:
nominal retirement income must reflect inflation, and registered asset growth must be projected using the assumed rate of return. The planner should discuss increasing savings, adjusting retirement age, reducing income objectives, or revising investment assumptions within risk tolerance. Study Guide focus: retirement needs analysis, inflation, future value, capital sufficiency, and surplus/shortfall calculation.
問題 #37
A higher-income spouse contributes to a spousal RRSP for the lower-income spouse. The lower-income spouse withdraws the contribution amount the following year. What should the planner warn them about?
答案：D
解題說明：
Spousal RRSPs support retirement income splitting, but the attribution rules prevent short-term deduction-and- withdrawal planning. If the annuitant spouse withdraws amounts from a spousal RRSP within the attribution period, recent contributions may be included in the contributing spouse's income rather than the annuitant's income. Option A is wrong because RRSP withdrawals are taxable unless a specific program or offset applies.
Option C is wrong because RRSP withdrawals are ordinary income, not capital gains. Option D misstates the mechanics; RRSP contribution room belongs to the contributor and is affected by contributions, but spousal RRSP room is not a separate permanent account destroyed by one contribution. A planner should review timing, contribution history, expected retirement brackets, pension income, and cash flow needs before recommending withdrawals. The strategy works best when used for longer-term retirement income planning rather than immediate tax arbitrage. References/topics: spousal RRSP, attribution rules, retirement income splitting, taxable withdrawals. Timing records are essential because attribution depends on recent contributions.
問題 #38
A client refuses to provide details about debt balances, tax returns, and monthly expenses but asks the planner to confirm whether retirement at age 55 is achievable. What should the planner do?
答案：D
解題說明：
The quality of a financial plan depends on the completeness and accuracy of client information. Debt levels, tax position, spending patterns, and cash flow capacity directly affect retirement feasibility. A planner may provide limited analysis when information is missing, but the limitation must be clearly explained and documented. Option A is professionally weak because generic assumptions can create false confidence.
Option B narrows the engagement improperly; investment recommendations cannot be separated from cash flow, tax, and debt constraints. Option D is unacceptable because undisclosed estimates can mislead the client and undermine the planning record. The correct professional response is to explain why the information is needed, request supporting documents, identify the limitations if the client still refuses, and avoid presenting unsupported conclusions as definitive. If the missing data is material, the planner may need to decline to provide a retirement feasibility opinion. References/topics: client discovery, data reliability, scope limitations, documentation.
問題 #39
Huxley is meeting with his financial planner to review his retirement goals. He has saved $250,000 in an RRSP, currently contributes $10,000 per year, and his portfolio is expected to continue to earn an average of
5% per year. Huxley is hoping to retire in 18 years with $1 million saved in his RRSP. What strategy should Huxley's financial planner recommend to ensure he is on track?
答案：D
解題說明：
Huxley is not on track under the existing assumptions. His $250,000 RRSP growing at 5% for 18 years, plus
$10,000 annual contributions at the same return, accumulates to approximately $883,000, not $1,000,000. The shortfall is about $117,000 at the target date. Increasing monthly contributions by $350 produces additional future value that is sufficient to close the gap without relying on a much higher risk profile or delaying retirement. Raising the goal to $1,250,000 makes the gap worse. Extending retirement to 25 years may solve the math but changes the client's stated retirement objective. Targeting 12% return is aggressive and may be unsuitable; a planner should not fix a savings gap by assuming unrealistic risk. The most controlled recommendation is higher contributions. Study Guide focus: RRSP accumulation, future value, savings shortfall, contribution planning, and retirement goal feasibility. This keeps the recommendation inside controllable client behaviour rather than relying on market returns outside the planner's control.
問題 #40
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