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| Section | Weight | Objectives |
|---|---|---|
| Estate Planning | 13% | - Powers of Attorney - Wills - Estate Transfer Strategies - Trust and Beneficiary Planning |
| Professional Conduct and Regulatory Compliance | 10% | - Compliance Responsibilities - Regulatory Requirements - Ethics and Professional Standards |
| Investment Planning | 17% | - Asset Allocation - Investment Products - Investment Theory - Portfolio Construction |
| Asset and Liability Management | 11% | - Personal Balance Sheet Analysis - Budgeting - Cash Flow Management - Debt Management |
| Client Relationship and Practice Management | 6% | - Client Discovery - Communication and Advisory Process - Practice Management |
| Tax Planning | 14% | - Tax Deductions and Credits - Registered Plans - Tax-Efficient Strategies - Income Tax Fundamentals |
| Risk Management and Insurance | 12% | - Risk Assessment - Disability and Health Insurance - Life Insurance - Risk Transfer Strategies |
| Retirement Planning | 17% | - Pension Plans - Registered Retirement Savings Plans - Retirement Income Strategies - Retirement Needs Analysis |
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質問 # 71
A married couple has a $480,000 mortgage with 15 years remaining. They want the mortgage retired if either spouse dies during that period. What insurance structure best fits this objective?
正解：C
解説：
The risk event is the first death, because the surviving spouse would immediately face the mortgage obligation with reduced household capacity. A joint first-to-die term policy pays when the first insured spouse dies, and a 15-year term aligns the coverage period with the remaining mortgage horizon. Option A pays only after both spouses have died, which is too late to protect the survivor. Option C has the same timing problem and adds permanent-insurance cost for a temporary mortgage need. Option D is unrelated; annuities provide income, not death-benefit protection for a mortgage. The planner should also consider whether separate term policies would offer more flexibility, whether the coverage amount should be level or decreasing, and whether the policy should be personally owned rather than lender-owned creditor insurance. The central course principle is matching insurance type, term, amount, and ownership to the specific risk being transferred.
References/topics: first-to-die insurance, term life, mortgage liability, survivor protection.
質問 # 72
Wendy, age 60, has a holding company whose sole asset is a commercial property. The property appreciated considerably in value over the last 10 years, and she expects the property value will continue to grow. Wendy is concerned about the tax implications this may have when she dies and leaves the property to her children.
What strategy should Wendy's financial planner recommend to her?
正解：D
解説：
Wendy should conduct an estate freeze. Her holding company owns an appreciating commercial property, and she expects future growth to continue. A freeze can cap the value of Wendy's current interest for tax purposes and shift future appreciation to her children, usually through new common shares or a family trust. Selling below market value would not avoid tax and can trigger adverse related-party consequences. Gifting common shares while retaining majority ownership may not properly cap her accrued value and can create control and tax issues. Adding children as joint owners of corporate shares is not a clean estate-planning solution and may expose the shares to creditors, family law claims, and disputes. The freeze must be designed with a lawyer and accountant to address valuation, control, income, and succession. Study Guide focus: estate freezes, holding companies, appreciating assets, deemed disposition at death, and intergenerational transfer planning.
The strategy also allows Wendy to retain structured control while passing only future growth to the next generation.
質問 # 73
Lois is reviewing her client Raj's retirement plan. To stay on track, Raj's TFSA (with a current balance of
$10,000) will need to be worth $42,000 in five years. Raj is able to contribute his annual bonus of $5,000 at the end of each year. For Raj to stay on plan, what rate of return does Lois need to be targeting?
正解：C
解説：
Lois must solve for the annual rate of return that grows Raj's TFSA from $10,000 today to $42,000 in five years while adding $5,000 at each year-end. The future value equation includes both the compounded current balance and the future value of the annual contributions. Solving $10,000(1+r)