Die Schulungsunterlagen zur CSI AFP-Exam-1 Zertifizierungsprüfung bestehen aus Testfragen sowie Antworten, die von den erfahrenen IT-Experten aus PrüfungFrage durch ihre Praxis und Erforschungen entworfen werden. Die Schulungsunterlagen zur CSI AFP-Exam-1 Zertifizierungsprüfung sind zur Zeit die genaueste auf dem Markt. Sie können die Demo auf der Webseite PrüfungFrage.de herunterladen. Sie werden Ihr Helfer sein, während Sie sich auf die CSI AFP-Exam-1 Zertifizierungsprüfung vorbereiten.
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Technical Competencies | 84% | - Estate Planning - Tax Planning - Retirement Planning - Asset and Liability Management - Risk Management and Insurance - Investment Planning |
| Topic 2: Enabling Competencies | 16% | - Client Relationship and Practice Management - Professional Conduct and Regulatory Compliance |
>> AFP-Exam-1 Fragenkatalog <<
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70. Frage
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?
Antwort: C
Begründung:
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.
71. Frage
Jackson, a wealth advisor, is helping Terry, a self-employed IT professional, determine his net income. The goal is to develop a budget and savings strategy for the year ahead Terry has provided the information below:
What is Terry's net business income?
Antwort: C
Begründung:
Terry's net business income is $225,000. The calculation starts with gross business income of $300,000 and subtracts deductible business expenses of $75,000. Income tax is not deducted in computing net business income for this purpose; it is calculated after taxable income is determined. CPP/EI contributions are also not treated as ordinary business expenses in this basic net business income calculation. Option A and option B incorrectly subtract personal tax and statutory contribution amounts. Option D subtracts the CPP/EI amount from business profit but still incorrectly treats it as part of the business-income calculation. The planner needs the correct net business income figure because it drives budgeting, savings capacity, tax installments, retirement contribution planning, insurance affordability, and debt-service analysis. AFP cash-flow work separates business operating results from personal tax payments and after-tax cash flow. Study Guide focus:
self-employment income, deductible business expenses, net income, tax planning, and budgeting.
72. Frage
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?
Antwort: B
Begründung:
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.
73. Frage
A retiree holds most of her investments in interest-bearing GICs inside a non-registered account while her TFSA is invested in cash. She has unused TFSA room and wants to improve after-tax efficiency without increasing total portfolio risk materially. What should the planner consider?
Antwort: A
Begründung:
Interest income is fully taxable in a non-registered account, so sheltering interest-bearing assets in a TFSA can improve after-tax results without changing the underlying risk profile materially. If the retiree already wants conservative holdings, placing some GIC or high-interest savings exposure inside the TFSA may reduce annual taxable income and preserve capital. Option B changes the risk profile and is not responsive to the client's objective. Option C may be an estate or family-support decision, but it does not directly improve asset-location efficiency. Option D introduces leverage and repayment risk, which conflicts with the retiree's conservative profile. The planner should evaluate available TFSA room, maturity dates, liquidity needs, CDIC eligibility where relevant, estate beneficiary designations, and whether non-registered accrued interest will be triggered. The principle is asset location: tax-inefficient income is often better sheltered where possible, provided the recommendation remains suitable. References/topics: asset location, TFSA, interest income taxation, retirement portfolio efficiency.
74. Frage
Owen and Lina are looking to purchase a home in the next few months. Owen is the primary income earner for the family. His credit history is weak with several recently paid collections Lina has a perfect credit record but limited income and irregular employment. What will their financial planner advise them about the impact their credit ratings will have on their ability to secure a mortgage?
Antwort: D
Begründung:
The weak credit history of the primary income earner is the central mortgage issue. Lenders assess income, debt service ratios, down payment, property, and creditworthiness. Owen supplies the main income needed to qualify, but his recent collections create underwriting risk even if they have been paid. Lina's strong credit record helps the household profile, but it does not fully offset limited income and irregular employment. Paid collections may improve the application compared with unpaid collections, yet they do not automatically qualify the borrowers. Lina's low income alone may not prevent approval if Owen qualifies, but his credit weakness may. The planner should advise them to review the credit bureau, correct errors, reduce revolving debt, avoid new inquiries, and allow time for stronger repayment history before applying. Study Guide focus:
mortgage qualification, credit history, debt service capacity, borrower risk, and liability management. The advice should be delivered before a formal application so avoidable bureau damage and failed underwriting can be reduced.
75. Frage
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