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お客様の需要に従って、わが社はAFP-Exam-1トレーニング資料に三つのバージョンを作り上げました。一つはPDF版で、印刷できてAFP-Exam-1練習問題を便利に閲覧しながらメモを取ります。二つはソフト版で、windowsシステムを搭載したパソコンに使用しなければいけない。パソコンにAFP-Exam-1試験の実際環境を模擬して実行されます。AFP-Exam-1本番試験の雰囲気を体験できます。三つはオンライン版で、携帯やIPADなどの電子設備に使用することができる。あなたはいつでも、どこでも、AFP-Exam-1オンラインテストエンジンを使用して学習することができます。それは時間が余裕ではないお客様に対し大きなメリットです。

CSI Applied Financial Planning Certification Exam 1 (AFP) 認定 AFP-Exam-1 試験問題:

1. Janet's non-registered account holds the funds listed in the following table:

Assuming a marginal tax rate of 45%, what amount of tax payable will Janet incur if she redeems the account to fund the purchase of a new business?

A) $4,500.
B) $6,750.
C) $9,000.
D) $5,625.

2. Dianna has just taken a 20-year mortgage and wants insurance only to ensure the mortgage can be repaid if she dies during that period. She is considering whole life insurance. What should her planner most likely explain?

A) Critical illness insurance replaces life insurance for mortgage protection.
B) Whole life is always cheaper for temporary mortgage needs.
C) Term insurance is generally better aligned with a temporary liability.
D) No insurance is needed if the mortgage is insured by the lender.

3. Miles tells Rasheed, his financial planner, that he would like to assign the growth assets in his portfolio to his children. Rasheed recommends Miles freeze his estate. What is the primary risk associated with an estate freeze?

A) Once the children hold the common shares, they can vote to withhold payment of the preferred dividend.
B) It is easy to unwind an estate freeze, but the amount of income paid to the taxpayer will be inconsistent from year to year.
C) Once the estate freeze is in place, no future growth of the assets can occur.
D) The preferred shares taken back by the taxpayer may provide inadequate Income because of inflation.

4. 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?

A) Surplus of $16,801.
B) Shortfall of $20,671.
C) Surplus of $20,671.
D) Shortfall of $16,801.

5. 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?

A) Enroll in her company's group RRSP program and start a monthly contribution.
B) While keeping within her risk tolerance, maximize the equity component of her RRSP and TFSA plans in order to achieve significantly better returns over time.
C) Repay the final four annual installments remaining on her Lifelong Learning Plan and start a monthly contribution plan to her RRSP.
D) Transfer her existing TFSA savings to her RRSP and start a monthly contribution plan.

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