Which of the following is an undivided ownership in the property that, upon death of one owner, automatically passes to the surviving owner? Tenants by the Entirety. Tenants in Common. Community Property. Joint Tenancy with Rights of Survivorship.

Please note there is one of this sheet here, one at the beginning of the test and one at the end. Hopefully this will make it more convenient to access throughout the test. Formulas and Tax Tables.pdf

Psolution = Xsolvent x Psolvent C1/P1 = C2/P2 ln(P1/P2) = Hvap/R(1/T1 – 1/T2) ∏V= nRT  ∆Tb= Kbm      ∆Tf= Kfm

A metallic element has three solid phases, alpha (simple cubic), beta (face-centered cubic), and gamma (body-centered cubic).  Select the correct statement.

A CFP® professional may disclose a client’s personal identifiable information without the specific consent of the client if: It is in response to proper legal process. It is to defend against charges of wrongdoing by the CFP® It is in connection with a civil dispute between the CFP® professional and the client. It is in response to a request from the Internal Revenue Service.

Cathy and her twin sister Carley, both age 25, each believe they have the superior savings plan. Cathy saved $5,000 at the end of each year for ten years then let her money grow for 30 years. Carley on the other hand waited 10 years then began saving $5,000 at the end of each year for 30 years. They both earned 9% on their investment and are 65 years old today and ready to retire. Which of the following statements is correct?

Which of the following is NOT a primary responsibility of the Federal Reserve (Fed)?

Elin wants to retire in 20 years when she turns 60. Elin wants to have enough money to replace 120% of her current income less what she expects to receive from Social Security. She expects to receive $20,000 per year from Social Security in today’s dollars. Elin is conservative and wants to assume a 6% annual investment rate of return and assumes that inflation will be 3% per year. Based on her family history, Elin expects that she will live to be 95 years old. If Elin currently earns $100,000 per year and expects her raises to equal the inflation rate, approximately how much does she need at retirement to fulfill her retirement goals?

Sydney has a portfolio with 50 shares of AAA with a current value of $20 per share, a return of 12%, and a beta of 1.30. She also has 25 shares of BBB with a return of 10%, a 0.80 beta, and currently priced at $60 per share. Finally, she owns 75 shares of CCC priced at $50 per share, with a 1.1 beta and a 14% return. What is the weighted average portfolio return of Sydney’s portfolio?

John, age 58, has been using a CFP® practitioner for the last 15 years. The CFP® practitioner recently retired and, as a result, John has decided to engage Tom, who is also a CFP® practitioner, but unaffiliated with John’s original practitioner. After analyzing and evaluating John’s current financial position, Tom made his recommendations. Those recommendations differed from that of John’s original practitioner. According to the Practice Standards, how should the differing recommendations be handled?