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CSI Applied Financial Planning Certification Exam 1 (AFP) Sample Questions:

1. Jenny and Herman are looking for tax strategies that will help them better manage their marginal annual tax rates. Jenny is currently the primary income earner in the household. She has a large non-registered portfolio that holds only plain vanilla S & P 500 index funds. Jenny and Herman have a 14-year-old daughter, and they would also like to know what income-splitting opportunities exist. They've presented several ideas to their tax planner, Isaac, for review. Which of the following will likely result in tax attribution to Jenny?

A) Jenny sells her equity security holdings to Herman at fair market value.
B) Jenny lends her portfolio to Herman at the Bank of Canada's prescribed interest rate.
C) Jenny gifts her portfolio to her daughter who will claim any future investment income on her tax return.
D) Jenny contributes to a spousal RRSP, which Isaac converts to a spousal RRIF and begins minimum required withdrawals in the first year after funding.

2. Dianna is visiting with Karen, her Financial Planner, and is excited to report that she has just bought her dream home. She has also let Karen know she Is meeting with an insurance representative to purchase a whole life insurance to cover her 20-year mortgage. Why might Karen suggest Dianna consider term life insurance instead?

A) The term policy has a cash value, which can be borrowed against.
B) The client's health may deteriorate as she gets older.
C) It is better suited for long term insurance needs.
D) The cost of premiums is lower than whole life.

3. If a deceased person was entitled to rights or things at death, what strategy should the estate representative use to enhance the net estate value after tax?

A) Transfer ownership of the rights or things to the beneficiaries of the estate.
B) File for annual tax reassessments on the terminal tax return until all rights or things are paid.
C) Include the rights or things in the deceased's final personal tax return.
D) Include the rights or things in a second personal tax return for the deceased.

4. A client, age 60, is in a low tax bracket today and expects a larger taxable pension after age 65. She has TFSA and RRSP room. Which contribution priority is generally more appropriate?

A) Non-registered account only, because registered accounts are unsuitable after age 60.
B) RRSP only after the client turns 72.
C) TFSA, because withdrawals will not increase taxable retirement income.
D) RRSP, because withdrawals are tax-free.

5. 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 $20,671.
B) Shortfall of $20,671.
C) Surplus of $16,801.
D) Shortfall of $16,801.

Solutions: