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CFP Certified Financial Planner (CFP Level 1)

The CFP® certification examination is a key requirement for achieving CFP® certification. By passing the exam, you demonstrate that you've attained the knowledge and competency necessary to provide comprehensive personal financial planning advice to your clients. CFP Board is here to guide you with the support, tools and resources you need for a successful exam experience.

To develop CFP® exam content that reflects the current practice of financial planning, CFP Board conducts regular Job Analyses to identify the important tasks performed by planners and assess the knowledge and skills needed to perform these tasks. This process is conducted by CFP® professionals and led by testing experts to assure the exam remains current, reliable, valid and legally defensible.

CFP Board works with volunteer CFP® professionals to develop the exam. These volunteers include Subject Matter Experts (SMEs) who serve as item writers and reviewers, as well as members of the Council on Examinations, which is made up of SMEs with considerable experience with the CFP® exam who provide final review and approval of all exam questions.

The criterion for passing the CFP® exam is established through a process known as Standard Setting, during which CFP® professionals determine the minimal competency level required to pass the exam. CFP Board does not predetermine the pass rate for the exam or have an established percentage of questions that must be answered correctly to pass.

The following Principal courses are based on the results of CFP Boards 2015 Job Task Analysis. The Principal
Topics serve as a curricular framework and also represent subject courses that CFP Board accepts for continuing
education credit, effective January 2016. Each exam question will be linked to one of the following topics, in the
approximate percentages indicated following the general headings.


A. Professional Conduct and Regulation (7%)

B. General Principles of Financial Planning (17%)

C. Education Planning (6%)

D. Risk Management and Insurance Planning (12%)

E. Investment Planning (17%)

F. Tax Planning (12%)

G. Retirement Savings and Income Planning (17%)

H. Estate Planning (12%)



A.1 CFP Boards Code of Ethics and Professional

Responsibility and Rules of Conduct

A.2 CFP Boards Financial Planning Practice Standards

A.3 CFP Boards Disciplinary Rules and Procedures

A.4 Function, purpose, and regulation of financial


A.5 Financial services regulations and requirements

A.6 Consumer protection laws

A.7 Fiduciary



B.8 Financial planning process

B.9 Financial statements

B.10 Cash flow management

B.11 Financing strategies

B.12 Economic concepts

B.13 Time value of money concepts and calculations

B.14 Client and planner attitudes, values, biases and

behavioral finance

B.15 Principles of communication and counseling

B.16 Debt management


C.17 Education needs analysis

C.18 Education savings vehicles

C.19 Financial aid

C.20 Gift/income tax strategies

C.21 Education financing



D.22 Principles of risk and insurance

D.23 Analysis and evaluation of risk exposures

D.24 Health insurance and health care cost management (individual)

D.25 Disability income insurance (individual)

D.26 Long-term care insurance (individual)

D.27 Annuities

D.28 Life insurance (individual)

D.29 Business uses of insurance

D.30 Insurance needs analysis

D.31 Insurance policy and company selection

D.32 Property and casualty insurance


E.33 Characteristics, uses and taxation of investment vehicles

E.34 Types of investment risk

E.35 Quantitative investment concepts

E.36 Measures of investment returns

E.37 Asset allocation and portfolio diversification

E.38 Bond and stock valuation concepts

E.39 Portfolio development and analysis

E.40 Investment strategies

E.41 Alternative investments


F.42 Fundamental tax law

F.43 Income tax fundamentals and calculations

F.44 Characteristics and income taxation of business entities

F.45 Income taxation of trusts and estates

F.46 Alternative minimum tax (AMT)

F.47 Tax reduction/management techniques

F.48 Tax consequences of property transactions

F.49 Passive activity and at-risk rules

F.50 Tax implications of special circumstances

F.51 Charitable/philanthropic contributions and deductions



G.52 Retirement needs analysis

G.53 Social Security and Medicare

G.54 Medicaid

G.55 Types of retirement plans

G.56 Qualified plan rules and options

G.57 Other tax-advantaged retirement plans

G.58 Regulatory considerations

G.59 Key factors affecting plan selection for businesses

G.60 Distribution rules and taxation

G.61 Retirement income and distribution strategies

G.62 Business succession planning


H.63 Characteristics and consequences of property titling

H.64 Strategies to transfer property

H.65 Estate planning documents

H.66 Gift and estate tax compliance and tax calculation

H.67 Sources for estate liquidity

H.68 Types, features, and taxation of trusts

H.69 Marital deduction

H.70 Intra-family and other business transfer techniques

H.71 Postmortem estate planning techniques

H.72 Estate planning for non-traditional relationships



A. Identify the client (e.g., individual, family, business, organization)

B. Discuss the financial planning process

C. Explain scope of services offered

D. Assess and communicate ability to meet the clients needs and expectations

E. Identify and disclose conflicts of interest in client relationships

F. Discuss responsibilities of parties involved

G. Define and document the scope of the engagement

H. Provide client disclosures

1. Regulatory disclosure

2. Compensation arrangements and associated potential conflicts of interest



A. Explore with the client their personal and financial needs, priorities and goals

B. Assess the clients level of knowledge, experience and risk tolerance

C. Evaluate the clients risk exposures (e.g., longevity, economic, liability, healthcare)

D. Gather relevant data including:

1. Summary of assets (e.g., cost basis information, beneficiary designations and titling)

2. Summary of liabilities (e.g., balances, terms, interest rates)

3. Summary of income and expenses

4. Estate planning documents

5. Education plan and resources

6. Retirement plan information

7. Employee benefits

8. Government benefits (e.g., Social Security, Medicare)

9. Special circumstances (e.g., legal documents and agreements, family situations)

10. Tax documents

11. Investment statements

12. Insurance policies and documents (e.g., life, health, disability, liability)

13. Closely held business documents (e.g., shareholder agreements)

14. Inheritances, windfalls, and other large lump sums



A. Evaluate and document the strengths and vulnerabilities of the clients current financial situation including:

1. Statement of financial position/balance sheet

2. Cash flow statement

3. Capital needs analysis (e.g., insurance, retirement, major purchases

4. Asset protection (e.g., titling, trusts, etc.)

5. Asset allocation

6. Client liquidity (e.g., emergency fund)

7. Government benefits (e.g., Social Security, Medicare)

8. Employee benefits

9. Investment strategies

10. Current, deferred and future tax liabilities

11. Estate tax liabilities

12. Tax considerations

13. Income types

14. Retirement plans and strategies (e.g., qualified plans, IRAs)

15. Accumulation planning

16. Distribution planning

17. Estate documents

18. Ownership of assets

19. Beneficiary designations

20. Gifting strategies

21. Executive compensation (e.g., deferred compensation, stock options, RSUs)

22. Succession planning and exit strategy

23. Risk management (e.g., retained risk and insurance coverage)

24. Educational financial aid

25. General sources of financing

26. Special circumstances (e.g., divorce, disabilities, family dynamics, etc.)

27. Inheritances, windfalls, and other large lump sums

28. Charitable planning

29. Aging and eldercare

30. Mental capability and capacity issues

B. Identify and use appropriate tools and techniques to conduct analyses including:

1. Financial calculator

2. Computer spreadsheet

3 Financial planning software


A. Evaluate alternatives to meet the clients goals and objectives

1. Sensitivity analysis (e.g., factors outside of client control)

B. Consult with other professionals as appropriate

C. Develop recommendations considering:

1. Client attitudes, values and beliefs

2. Behavioral finance issues (e.g., anchoring, overconfidence, recency)

3. Their interdependence

D. Document recommendations


A. Present financial plan and provide guidance

1. Goals

2. Assumptions

3. Observations and findings

4. Alternatives

5. Recommendations

B. Obtain feedback from the client and revise the recommendations as appropriate

C. Provide documentation of plan recommendations and any additional disclosures

D. Verify client acceptance of recommendations


A. Create a prioritized implementation plan with timeline

B. Directly or indirectly implement the recommendations

C. Coordinate and share information, as authorized, with others

D. Define monitoring responsibilities with the client (e.g., explain what will be monitored, frequency of monitoring, communication method(s))


A. Discuss and evaluate changes in the clients personal circumstances (e.g., aging issues, change in employment)

B. Review the performance and progress of the plan

C. Review and evaluate changes in the legal, tax and economic environments

D. Make recommendations to accommodate changed circumstances

E. Review scope of work and redefine engagement as appropriate

F. Provide ongoing client support (e.g., guidance, education)


A. Adhere to CFP Boards Standards of Professional Conduct

B. Manage practice risk (e.g., documentation, monitor client noncompliance with recommendations)

C. Maintain awareness of and comply with regulatory and legal guidelines

Certified Financial Planner (CFP Level 1)
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Certified Financial Planner (CFP)
Answer: A
Question: 8
According to the _______, financial planners are not subject to the control of the act if they are:
a bank or holding company that is not an investment company; a lawyer, accountant, engineer, or
teacher who provides investment advice incidentally; a broker, dealer, or registered
representative whose advice is incidental; the publisher of a magazine or journal that discusses
financial planning; a person whose advice is limited to those securities guaranteed by the federal
government; any other person not within the law as specified by the SEC
A. Advisor Decision 1932
B. Advisor Decision 1935
C. Investment Advisors Act of 1948
D. Investment Advisors Act of 1940
Answer: D
Question: 9
A ___________ is a multiple-employer trust that can be used to prefund employee benefits.
A. voluntary employee beneficiary association (VEBA)
B. voluntary employee care association (VECA)
C. involuntary employee beneficiary association (IEBA)
D. involuntary employee care association (IECA)
Answer: A
Question: 10
A ______ is the right of an employee to receive cash and/or stock equal to the increase in the
value of the company's stock after the date of purchase.
A. stock appreciation duty
B. stock appreciation right
C. stock appreciation purchase
D. stock appreciation option
Answer: B
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Ramit Sethi’s rich life is having a desk in front of a nice bookcase that displays treasures from travels, and not some fake background he’s stolen off the Internet. This is the version of Sethi most people get to see these days on social media, where the money-advice guru posts clips of his podcast conversations with regular people about their finances. He’s got his headphones on, a big microphone in front of him, and he’s staring intently into the camera. 

“This is my dream setup, to have a real bookshelf with my favorite things on it,” says Sethi, 41, waving toward the background of his study of his house in Los Angeles, where he has settled with his wife, and is doing an interview over video conference. For many people, this kind of virtual meeting would be a rather lacking experience. But we’ve come a long way in the last three years since the pandemic started, and being in the same room with somebody is no longer the first key to intimacy. 

Maybe that’s part of the reason that Sethi is having such a big moment in the personal finance advice world. He’s not the first author with a personal finance book, or blog or podcast, all of which he bundles under his brand of “I Will Teach You To Be Rich.” But he’s one of the few who have connected so intimately and directly with his audience. He has not only kept that going for years, but his reach actually increased dramatically in the Zoom era. An eight-episode Netflix show released in spring 2023 called “How to Get Rich” took him to a new level after 19 years of effort. In rankings within the streaming service, it spent one week in the global top 10 in the category of TV in English, and reached the top 10 in 23 countries, according to Netflix. He is also on The MarketWatch 50 list of the most influential people in markets

“It’s humbling that it’s possible that more people heard about me in a week than maybe heard about me in about 20 years of doing what I’ve been doing. That feels just a little dizzying to me,” Sethi says. 

The fame hasn’t exactly gone to his head, but it does create something of a disconnect at the valet station. Sethi says that after the Netflix show came out, he was feeling a little overwhelmed and didn’t leave his house for two days. Then he finally went out to lunch with a friend and after they were outside waiting for his car, somebody came up and stared at him. 

“They finally said, ‘Oh, you’re the rich guy!” says Sethi. “And I thought to myself, ok, so this is what I’m going to be called for the next 10 years of my life.” 

And then the driver pulled up with his car, a 2005 Honda Accord that Sethi bought a year out of college when his blog was just getting going, and he drove to his rental home. 

“The Accord is a fantastic, sensible sedan – and I rent by choice. I also enjoy spending a lot of money on the things that I love,” he says. He often blogs about those things: a major amount of traveling, designer clothes and a personal trainer. “That’s the whole point of my philosophy, that you can spend extravagantly on the things you love, as long as you cut costs mercilessly on the things you don’t.”

Another of his favorite rich life extravagances, despite the calories: Sometimes ordering two appetizers. 

“One of my greatest joys now is being able to easily afford ordering any appetizer that I love, and sometimes getting two, because when I was a kid, we didn’t order them at all,” he says. 

Sethi didn’t grow up poor, but his parents were Indian immigrants who made their way in the California suburbs, and that figures heavily into his relationship with money. He was taught to work hard, get into a good school and make something of himself. But he had to pay his own way for that, because there wasn’t money in the budget for tuition. So what he worked on the hardest at Bella Vista High School in Fair Oaks, Calif. was getting scholarships, and that was the start of his trademark obsessive, data-obsessed approach to tackling projects. He applied to 65 of them, and ended up getting enough to pay for an undergraduate degree at Stanford, then graduate school. 

Now, he sees his upbringing as part of what helps him relate to all sorts of people. “Representation really matters, and I think that we’re seeing this happen first on the outer edges of personal finance, on sites like TikTok, where you have this incredibly diverse array of young influencers who are sharing their experiences with money. It doesn’t follow the typical playbook of a certified financial planner, and I think there’s something beautiful about that,” he says. 

Shouting into the void

The blog and the whole “I Will Teach You to Be Rich” concept started after some failed investments with that scholarship cash. Sethi wanted to make sure that didn’t happen again, so he read up on the stock market and taught himself how to handle his own finances. Then he figured he could teach what he was learning to others as a moneymaking scheme. At first, he tried to do this in person, but nobody ever showed up. 

“My bet was that people wanted to learn about money, but the key is that they wanted to do it from the comfort of their home. They did not want to go to a seminar. I knew that because I had tried and failed at getting people to come to my free events,” Sethi says. 

Blogging in 2004 wasn’t exactly a revolutionary thing to do, but Sethi made it different by focusing more on the people commenting than about him spouting his own theories. He read every message and responded to each one. 

“It was just day-in and day-out,” he says. “I would write something, and then at the end, I’d say, reply to this email. And I’d read every single reply and, in fact, I used to write back to every single email that came in,” he says. “People felt like, wow, this guy’s actually listening to me. And, of course, I was.”

Sethi’s first real break came after months of relentlessly pitching coverage of his blog to major media outlets from his dorm room at Stanford. This was before you could easily look up how to contact editors, and he had to write letters and make phone calls to try to bring attention to his work. He told an editor at the New York Times that their personal finance coverage was great, but that it didn’t resonate with people of his generation – early Millennials, mostly – and wasn’t delivered in a way that they cared about. 

He was politely brushed off a lot, but then The Wall Street Journal noticed and mentioned his blog in a story. He got a book deal a short while later, thanks to similar hustle, and by 2009, he was considered the personal finance voice of his generation – called Generation Y’s favorite personal finance adviser by Fortune, among other accolades. “So the world has noticed now too,” he says. 

It still took a decade more of plugging away to reach the level where he is now, though. He was blogging and interacting with his audience daily on every channel possible, just doing the work, until a decade had passed and he set about writing a second edition of his book. Sethi still reads every message he gets, but he no longer is able to answer each person himself. There are just too many ways he’s reaching people – 700,000 followers on Instagram, 275,000 on X (Twitter), 320,000 on YouTube, 75,000 on TikTok at the end of October, plus his untold number of blog followers and podcast listeners across many platforms. 

“His real edge is he’s probably spoken to more people – between in-person and online – than most financial planners ever have,” says Nick Maggiulli, a fellow personal finance blogger and author (“Of Dollars and Data”) who is friends with Sethi. “I think he enjoys the process of understanding human behavior and has a deep understanding of it. With trolls, a lot of people say, ‘I’ll just ignore them,’ but he likes to see the pathway to their thinking. I don’t know many people who do that.”

Sethi says his blog and really his whole philosophy is just psychology disguised as personal finance. “My unending fascination is with human behavior,” he says. “I read literally thousands of emails and comments every day because I love understanding how people think and talk and act with money. It’s so important to surround yourself with everyday people and not simply multimillionaires who started some tech company.”

What he’s preaching

The tenets of “I Will Teach You To Be Rich” are core personal finance – save smart, have an emergency fund, invest for the long-term in low-fee index funds and manage your spending smartly. But Sethi’s approach and tenor present these concepts in a new way for an audience that doesn’t want to be scolded for buying lattes instead of saving for a down payment for a house. 

“If the book was entitled “Basic Principles of Financial Planning,” I don’t think it would have sold,” says Dan Solin, a personal finance expert who Sethi mentions in his book because he admires Solin’s work. The respect goes both ways. “Who doesn’t want to be rich? And who doesn’t want to be rich after a few hours of practicing a book? But he then delivers on the message to those like you and me,” Solin adds. 

There are several key elements of the IWTY philosophy that are contrarian. One is that homeownership is not the be-all of financial planning. Another is that big banks are out to get you, so you should learn to manage your money on your own without paying huge fees to somebody else. And don’t even get Sethi started on the new trend of buy-now-pay-later microloans, of which he says, “I’m not a big fan.”

“One of the reasons people come to me and stick with me, is deep down, they are looking for somebody who will tell them the truth. They want to know what’s a good bank and what’s a bad bank and they want you to name names,” says Sethi. “Most of all, they want somebody showing them a vision that money can be fun. It’s not always drudgery, like hoarding it and swimming in it like Scrooge McDuck.”

This honesty is what appeals to Brad Koontz, another fellow behavioral finance expert and author who is also a Sethi fan. “Most personal finance people just say save, save, save, and Sethi is about how money is meant to be spent. I appreciate his ability to challenge the gospel, and I think that resonates with a younger audience,” says Koontz. “There’s a sense of authenticity.”

Dreams come true

In the second volume of the book version of “I Will Teach You to Be Rich,” which was published in 2019, Sethi wrote what seemed like a throwaway passage: “My fantasy is to host a TV show where couples have their first conversations about money together.” 

He delved into it further: “No, I’m not going to mediate it. I’ll just be sitting in the background stirring the pot with crazy money questions (“What’s a money secret you haven’t told your partner yet?), eating chips and salsa, grinning as I watch the nervous hands, the sweaty foreheads, and the stammering words. Damn, I live for this shit. HBO, supply me a call.”

A year or so later, it was Netflix that came calling, making it a little like an afterschool-special version of visualizing your future. 

“It’s crazy. Isn’t it?” Sethi says. “Oh my God, I wrote this down, and then it actually happened. I mean, I love reality TV, I love talking about money, I love a little drama, put those together and you end up with a podcast or maybe, with a lot of luck, an international TV show, and then it happened.”

Sethi says that he knows the Netflix execs who handled his show read his book, but nobody ever talked to him about that particular passage. Once he started negotiating the deal, he started to test the dynamics with a series of “fireside chats”on Instagram Live. He’d literally be in front of a fire, and he’d talk to a couple over video conference about their money. That morphed into a proper podcast that continues on. 

The ironic thing about the Netflix show for Sethi’s career is that it might end up to be just a blip compared to his podcast, which may be what he was meant to be doing all along. 

“I knew right away that it was what I wanted to do,” he says. 

A podcast allows Sethi to stay in touch with his audience frequently and have more dialogue than just a text format. He can delve deep into conversations with guests and allow all the human drama to spill out onto the screen – the stammering and sweating – and he can do it all without the fussiness and preparation needed for a TV production.

The audience’s situations never get old to him, and he never gets frustrated facing the same questions over and over. “I get the same questions literally 50 times a day,” he says. “I love it.”

One of the core ones is: Where should I put my money if I’m saving it for a down payment?

“Look, the answer is you put it in a high yield savings account. So I think, maybe don’t ask this question again. It’s a solved problem. I posted something like that, and I got so many people to respond. They wrote back, well, what about Treasury bills?”

Then the back-and-forth continued, because Sethi’s philosophy is that most people are not going to go out and buy Treasury bills, and he knows this because he listens to them over and over, for the 50 times a day they ask him about this same topic. He wants to supply them advice that will make a difference to them, and he says, “normal people do not know what a Treasury bill is and they do not care. You could become incredibly wealthy without ever knowing what a Treasury bill is. And you would only understand this if you were talking to people like I do. Half the people who listen to my podcast don’t even know how much money they make.”

That said, Sethi’s audience is growing in age and sophistication along with him. He started out talking about basic investing for young, single professionals, for instance, and now, as a married 40-something, his focus is more on couples and their money dynamics. It’s not hard to see a future volume of “I Will Teach You To Retire” in the offing. But first, maybe a few other things might intercede. 

“I think that money and parenting is becoming a hotter course than ever before, and I get messages daily,” Sethi says. And someday, even, Sethi might settle down and become a homeowner, despite his better instincts. 

“If there is a day when I buy a house, I know it’s going to be a terrible financial decision and we’re still going to do it anyway. And I’m pretty sure the internet is going to get extremely mad if we do,” he says. But ever the advice guru, he adds, “But you know, remember that the advice is to run the numbers, and not everybody should rent.”

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