{"id":4836,"date":"2025-05-25T06:38:00","date_gmt":"2025-05-25T14:38:00","guid":{"rendered":"https:\/\/mcclatchymhstg.wpenginepowered.com\/sabe-careers-education\/?p=4836"},"modified":"2026-06-16T23:16:24","modified_gmt":"2026-06-17T07:16:24","slug":"cfp-exam-questions","status":"publish","type":"post","link":"https:\/\/www.sacbee.com\/careers-education\/cfp-exam-questions\/","title":{"rendered":"CFP\u00ae Exam Practice Questions"},"content":{"rendered":" <p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.cfp.net\/why-cfp-certification\/the-standard-of-excellence\">90%<\/a> of clients report valuing their advisor&#8217;s certifications, and the CFP\u00ae is simultaneously one of the most useful <em>and <\/em>challenging to earn.<\/p> <p class=\"wp-block-paragraph\">If you\u2019re prepping for the CFP\u00ae exam, you already know it\u2019s no casual quiz\u2014it\u2019s a detailed, multi-topic test designed to see if you\u2019re ready to be a Certified Financial Planner. <\/p> <p class=\"wp-block-paragraph\">And let\u2019s be honest, there\u2019s a lot to cover. <\/p> <p class=\"wp-block-paragraph\">From risk management and insurance planning to tax consequences and investment strategy, it\u2019s not just about memorizing rules\u2014it\u2019s about applying them in real-world client scenarios.<\/p> <p class=\"wp-block-paragraph\">That\u2019s why answering practice questions is one of the best ways to build confidence. In this article, you\u2019ll get 20 CFP\u00ae sample questions\u201410 for stand-alone topics and 10 case-based items\u2014to help you sharpen your decision-making and exam strategy.<\/p> <p class=\"custom_key wp-block-paragraph\"><strong>Key Takeaways<\/strong><\/p> <ul class=\"wp-block-list custom_underline\"> <li><strong>CFP\u00ae Covers It All:<\/strong> From investment planning to insurance and tax strategy, the exam tests your full grasp of personal financial planning.<\/li> <li><strong>Practice Makes Perfect:<\/strong> Regular exposure to stand-alone and scenario-based questions sharpens your thinking and timing.<\/li> <li><strong>Scenario-Based Questions Are Critical:<\/strong> They&#8217;re more complex and require interpretation of financial data, not just memorization.<\/li> <li><strong>You Need Application, Not Just Knowledge:<\/strong> Knowing tax rules or risk definitions isn&#8217;t enough\u2014you need to apply them in real-world cases.<\/li> <li><strong>Timing and Strategy Matter:<\/strong> Answering questions quickly and confidently is just as important as knowing the content.<\/li> <\/ul> <h2 class=\"wp-block-heading\" id=\"h-what-topics-does-the-cfp-exam-cover\"><strong>What Topics Does the CFP\u00ae Exam Cover?<\/strong><\/h2> <figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"1024\" src=\"https:\/\/www.sacbee.com\/careers-education\/wp-content\/uploads\/sites\/6\/2025\/05\/20-CFP\u00ae-Exam-Questions-info-768x1024.png\" alt=\"cfp exam topics\" class=\"wp-image-4838\" srcset=\"https:\/\/www.sacbee.com\/careers-education\/wp-content\/uploads\/sites\/6\/2025\/05\/20-CFP\u00ae-Exam-Questions-info-768x1024.png 768w, https:\/\/www.sacbee.com\/careers-education\/wp-content\/uploads\/sites\/6\/2025\/05\/20-CFP\u00ae-Exam-Questions-info-225x300.png 225w, https:\/\/www.sacbee.com\/careers-education\/wp-content\/uploads\/sites\/6\/2025\/05\/20-CFP\u00ae-Exam-Questions-info-113x150.png 113w, https:\/\/www.sacbee.com\/careers-education\/wp-content\/uploads\/sites\/6\/2025\/05\/20-CFP\u00ae-Exam-Questions-info-1152x1536.png 1152w, https:\/\/www.sacbee.com\/careers-education\/wp-content\/uploads\/sites\/6\/2025\/05\/20-CFP\u00ae-Exam-Questions-info.png 1200w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><\/figure> <p class=\"wp-block-paragraph\">The exam isn\u2019t split into levels like the FRM\u00ae, but it does span across eight domains. These include:<\/p> <ul class=\"wp-block-list\"> <li>Financial planning principles<\/li> <li>Insurance planning and risk management<\/li> <li>Investment planning<\/li> <li>Income tax planning<\/li> <li>Retirement savings and income planning<\/li> <li>Estate planning<\/li> <li>Psychology of financial planning<\/li> <li>Ethics and regulations<\/li> <\/ul> <p class=\"wp-block-paragraph\">You\u2019ll need to juggle technical knowledge with soft skills\u2014especially interpreting client data, explaining recommendations, and prioritizing based on key factors.<\/p> <h2 class=\"wp-block-heading\" id=\"h-smart-tips-for-your-cfp-exam-prep\"><strong>Smart Tips for Your CFP\u00ae Exam Prep<\/strong><\/h2> <p class=\"wp-block-paragraph\">Before diving into practice questions, here are some quick tips that helped me personally when I was in exam prep mode:<\/p> <ul class=\"wp-block-list\"> <li><strong>Mix Formats<\/strong>: Practice both stand-alone questions and case studies. The exam blends both, and they feel very different.<\/li> <li><strong>Know the Tax Rules<\/strong>: Topics like income taxation, GST tax compliance, and non-qualified plan rules appear often and require careful reading.<\/li> <li><strong>Read the Full Scenario<\/strong>: Don&#8217;t skim. The CFP\u00ae test loves hiding tiny details that change everything in the last sentence.<\/li> <li><strong>Stay Client-Focused<\/strong>: When in doubt, choose the answer that best protects the client&#8217;s interests, not just the technical \u201cright\u201d move.<\/li> <\/ul> <h2 class=\"wp-block-heading\" id=\"h-cfp-exam-practice-questions\"><strong>\ud83e\udde0 CFP\u00ae Exam Practice Questions<\/strong><\/h2> <p class=\"wp-block-paragraph\"><strong>1. Insurance Planning<br><\/strong>Which type of policy typically provides coverage for long-term care needs?<br>A) Term life insurance<br>B) Whole life insurance<br>C) Disability income insurance<br>D) Hybrid life\/long-term care policy<\/p> <p class=\"wp-block-paragraph\"><strong>Correct Answer:<\/strong> D<\/p> <p class=\"wp-block-paragraph\"><strong>2. Tax Planning<br><\/strong>Which of the following is not typically included in a client\u2019s adjusted gross income when calculating their federal income tax?<br>A) Capital gains from a stock sale<br>B) Rental income from a second property<br>C) Alimony received from a 2015 divorce agreement<br>D) Contributions to a traditional IRA<\/p> <p class=\"wp-block-paragraph\"><strong>Correct Answer:<\/strong> D<\/p> <p class=\"wp-block-paragraph\"><strong>3. Investment Planning<br><\/strong>A client has a high-yield savings account earning 4.5% annually. If inflation is 3%, what is their real return?<br>A) 4.5%<br>B) 3%<br>C) 1.5%<br>D) 0%<\/p> <p class=\"wp-block-paragraph\"><strong>Correct Answer:<\/strong> C<\/p> <p class=\"wp-block-paragraph\"><strong>4. Retirement Planning<br><\/strong>Which account type allows for tax-free growth and tax-free withdrawals in retirement if qualified?<br>A) Traditional IRA<br>B) Roth IRA<br>C) SEP IRA<br>D) 403(b)<\/p> <p class=\"wp-block-paragraph\"><strong>Correct Answer:<\/strong> B<\/p> <p class=\"wp-block-paragraph\"><strong>5. Risk Management<br><\/strong>Which of the following best defines moral hazard in insurance planning?<br>A) Risk of an uninsured loss<br>B) Lack of understanding of policy terms<br>C) Increased risk-taking because one is insured<br>D) Failure to update coverage amounts<\/p> <p class=\"wp-block-paragraph\"><strong>Correct Answer:<\/strong> C<\/p> <p class=\"wp-block-paragraph\"><strong>6. Tax Planning<br><\/strong>Which type of trust is most useful in GST tax compliance?<br>A) Revocable living trust<br>B) Irrevocable life insurance trust<br>C) Grantor-retained annuity trust<br>D) Dynasty trust<\/p> <p class=\"wp-block-paragraph\"><strong>Correct Answer:<\/strong> D<\/p> <p class=\"wp-block-paragraph\"><strong>7. Financial Planning Principles<\/strong><strong><br><\/strong>What\u2019s the first step in the financial planning process?<br>A) Implement recommendations<br>B) Establish and define the client relationship<br>C) Gather client data<br>D) Analyze and evaluate<br><\/p> <p class=\"wp-block-paragraph\"><strong>Correct Answer:<\/strong> B<\/p> <p class=\"wp-block-paragraph\"><strong>8. Income Planning<br><\/strong>Which is typically NOT included when calculating gross income for a financial plan?<br>A) Wages<br>B) Interest on municipal bonds<br>C) Alimony received (post-2019 agreements)<br>D) Dividend income<\/p> <p class=\"wp-block-paragraph\"><strong>Correct Answer:<\/strong> B<\/p> <p class=\"wp-block-paragraph\"><strong>9. Medicare Planning<br><\/strong>At what age is a client eligible to enroll in Medicare Part A without premium cost?<br>A) 59\u00bd<br>B) 62<br>C) 65<br>D) 67<\/p> <p class=\"wp-block-paragraph\"><strong>Correct Answer:<\/strong> C<\/p> <p class=\"wp-block-paragraph\"><strong>10. Investment Planning<br><\/strong>A client&#8217;s portfolio has an expected return of 7% and a standard deviation of 12%. Which risk measure is most appropriate to assess return per unit of risk?<br>A) Beta<br>B) Standard deviation<br>C) Sharpe ratio<br>D) Alpha<\/p> <p class=\"wp-block-paragraph\"><strong>Correct Answer:<\/strong> C<\/p> <h2 class=\"wp-block-heading\" id=\"h-scenario-based-questions\"><strong>\ud83d\udcd8 Scenario-Based Questions<\/strong><\/h2> <h3 class=\"wp-block-heading\" id=\"h-scenario-1-the-johnson-family\"><strong>Scenario 1: The Johnson Family<\/strong><\/h3> <p class=\"wp-block-paragraph\">John and Lisa Johnson, both 45, have two children, ages 10 and 12. John earns $120,000 annually, and Lisa earns $80,000. They have a mortgage balance of $250,000 on their primary residence, valued at $500,000. They have $150,000 in a joint investment account and $100,000 in a 401(k). They are concerned about saving for their children&#8217;s college education and ensuring adequate insurance coverage.<\/p> <p class=\"wp-block-paragraph\"><strong>1.<\/strong> Considering their goals, which savings vehicle is most appropriate for their children&#8217;s college education?<br>A) Custodial account under UGMA<br>B) 529 College Savings Plan<br>C) Coverdell Education Savings Account<br>D) Traditional IRA<\/p> <p class=\"wp-block-paragraph\"><strong>Correct Answer:<\/strong> B<\/p> <p class=\"wp-block-paragraph\"><strong>2.<\/strong> What type of life insurance policy would best suit their need for income replacement during their children&#8217;s dependency years?<br>A) Whole life insurance<br>B) Universal life insurance<br>C) Term life insurance<br>D) Variable life insurance<\/p> <p class=\"wp-block-paragraph\"><strong>Correct Answer:<\/strong> C<\/p> <p class=\"wp-block-paragraph\"><strong>3.<\/strong> Given their current assets and liabilities, what is their net worth?<br>A) $500,000<br>B) $550,000<br>C) $600,000<br>D) $700,000<\/p> <p class=\"wp-block-paragraph\"><strong>Correct Answer:<\/strong> A<\/p> <h3 class=\"wp-block-heading\" id=\"h-scenario-2-mark-thompson\"><strong>Scenario 2: Mark Thompson<\/strong><\/h3> <p class=\"wp-block-paragraph\">Mark Thompson, age 60, is single and plans to retire at 65. He has a traditional IRA with a balance of $500,000 and a taxable brokerage account with $200,000. Mark is risk-averse and wants to ensure his retirement income lasts throughout his lifetime.<\/p> <p class=\"wp-block-paragraph\"><strong>1.<\/strong> Which investment strategy is most appropriate for Mark&#8217;s risk tolerance and retirement goals?<br>A) 100% equities for growth<br>B) 60% equities and 40% bonds<br>C) 100% bonds for income<br>D) 80% equities and 20% bonds<\/p> <p class=\"wp-block-paragraph\"><strong>Correct Answer:<\/strong> B<\/p> <p class=\"wp-block-paragraph\"><strong>2.<\/strong> At what age must Mark begin taking required minimum distributions from his traditional IRA?<br>A) 65<br>B) 70\u00bd<br>C) 73<br>D) 75<\/p> <p class=\"wp-block-paragraph\"><strong>Correct Answer:<\/strong> D<\/p> <p class=\"wp-block-paragraph\"><strong>3.<\/strong> Which of the following strategies can help Mark manage sequence of returns risk in retirement?<br>A) Investing solely in high-yield bonds<br>B) Implementing a systematic withdrawal plan<br>C) Utilizing a bucket strategy<br>D) Delaying Social Security benefits until age 70<\/p> <p class=\"wp-block-paragraph\"><strong>Correct Answer:<\/strong> C<\/p> <h3 class=\"wp-block-heading\" id=\"h-scenario-3-the-lee-family\"><strong>Scenario 3: The Lee Family<\/strong><\/h3> <p class=\"wp-block-paragraph\">David and Maria Lee, ages 50 and 48, have two adult children. David owns a small business valued at $1 million, and Maria is a teacher with a pension plan. They have $300,000 in joint savings and are concerned about estate planning and minimizing taxes upon their passing.<\/p> <p class=\"wp-block-paragraph\"><strong>1.<\/strong> Which estate planning tool can help the Lees transfer their business to their children while minimizing estate taxes?<br>A) Revocable living trust<br>B) Grantor-retained annuity trust (GRAT)<br>C) Irrevocable life insurance trust (ILIT)<br>D) Charitable remainder trust (CRT)<\/p> <p class=\"wp-block-paragraph\"><strong>Correct Answer:<\/strong> B<\/p> <p class=\"wp-block-paragraph\"><strong>2.<\/strong> What is the primary benefit of establishing an irrevocable life insurance trust (ILIT) in their estate plan?<br>A) Provides income during retirement<br>B) Removes life insurance proceeds from taxable estate<br>C) Allows for investment flexibility<br>D) Avoids probate for all assets<\/p> <p class=\"wp-block-paragraph\"><strong>Correct Answer:<\/strong> B<\/p> <p class=\"wp-block-paragraph\"><strong>3.<\/strong> Which of the following strategies can help reduce the taxable estate while providing for their grandchildren&#8217;s education?<br>A) Annual exclusion gifts directly to grandchildren<br>B) Establishing a 529 plan for each grandchild<br>C) Creating a family limited partnership<br>D) Setting up a charitable lead trust<\/p> <p class=\"wp-block-paragraph\"><strong>Correct Answer:<\/strong> B<\/p> <p class=\"wp-block-paragraph\"><strong>4.<\/strong> If David wants to ensure business continuity in the event of his unexpected death, which of the following arrangements is most appropriate?<br>A) Buy-sell agreement funded by life insurance<br>B) Key person insurance on Maria<br>C) Establishing a revocable trust<br>D) Purchasing a general liability policy<\/p> <p class=\"wp-block-paragraph\"><strong>Correct Answer:<\/strong> A<\/p> <h2 class=\"wp-block-heading\" id=\"h-final-thoughts\"><strong>Final Thoughts<\/strong><\/h2> <p class=\"wp-block-paragraph\">The <a href=\"https:\/\/www.sacbee.com\/careers-education\/how-hard-is-the-cfp-exam\/\">CFP\u00ae exam is intense<\/a>, but with consistent practice, it becomes a lot more manageable. These questions are meant to help you get a feel for how real exam scenarios work, especially across diverse topics like tax planning, insurance, investment strategy, and income planning.<\/p> <p class=\"wp-block-paragraph\">The key is to approach each question like a planner would\u2014with the client\u2019s best interests at the center. Do that, and you&#8217;ll not only pass the exam but also become the kind of trusted advisor clients want to work with.<\/p> <h2 class=\"wp-block-heading\" id=\"h-faqs\"><strong>FAQs<\/strong><\/h2> <div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1747809110202\"><strong class=\"schema-faq-question\"><strong>How many questions are on the CFP\u00ae test?<\/strong><\/strong> <p class=\"schema-faq-answer\">The CFP\u00ae exam includes 170 multiple-choice questions split into two 3-hour sections: stand-alone and scenario-based questions.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1747809117438\"><strong class=\"schema-faq-question\"><strong>What kinds of questions are on the CFP\u00ae exam?<\/strong><\/strong> <p class=\"schema-faq-answer\">You\u2019ll encounter both stand-alone questions and complex scenario-based ones, requiring you to apply concepts across financial planning topics.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1747809122097\"><strong class=\"schema-faq-question\"><strong>Is the CFP\u00ae exam hard to pass?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, it&#8217;s challenging. The pass rate hovers around 60\u201365%, but with a <a href=\"https:\/\/www.sacbee.com\/careers-education\/best-cfp-prep-courses\/\">top CFP\u00ae prep course<\/a> and consistent practice, it\u2019s absolutely doable.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1747809129296\"><strong class=\"schema-faq-question\"><strong>Is the CFP\u00ae more difficult than the CPA?<\/strong><\/strong> <p class=\"schema-faq-answer\">They&#8217;re different beasts\u2014CPA has more technical accounting, while the CFP\u00ae focuses on broad financial planning. Many say CPA is harder, but CFP\u00ae is still tough.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1747809142811\"><strong class=\"schema-faq-question\"><strong>Is 3 months enough to <a href=\"https:\/\/www.sacbee.com\/careers-education\/how-to-study-for-cfp-exams\/\">study for the CFP\u00ae exam<\/a>?<\/strong><\/strong> <p class=\"schema-faq-answer\">It can be, if you&#8217;re studying consistently and efficiently. Most candidates aim for 250\u2013300 hours of study, which is doable in 3 months with discipline.<\/p> <\/div> <\/div> ","protected":false},"excerpt":{"rendered":"<p>90% of clients report valuing their advisor&#8217;s certifications, and the CFP\u00ae is simultaneously one of the most useful and challenging to earn. If you\u2019re prepping for the CFP\u00ae exam, you already know it\u2019s no casual quiz\u2014it\u2019s a detailed, multi-topic test designed to see if you\u2019re ready to be a Certified Financial Planner. And let\u2019s be [&hellip;]<\/p> ","protected":false},"author":11,"featured_media":4837,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3,244],"tags":[],"class_list":["post-4836","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-careers-education","category-finance"],"acf":{"external_author":[129],"external_editor":"","select_template":"default","not_show_feature_image":false,"hide_toc":false},"featured_image_src":"https:\/\/www.sacbee.com\/careers-education\/wp-content\/uploads\/sites\/6\/2025\/05\/20-CFP\u00ae-Exam-Questions-feature-image-768x427.png","author_info":{"display_name":"","author_link":"https:\/\/www.sacbee.com\/careers-education\/author\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>CFP\u00ae Exam Practice Questions<\/title>\n<meta name=\"description\" content=\"Challenge yourself with 20 CFP\u00ae exam questions on financial planning, investment strategy, insurance, and tax topics\u2014real practice for real exam prep.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.sacbee.com\/careers-education\/cfp-exam-questions\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CFP\u00ae Exam Practice Questions\" \/>\n<meta property=\"og:description\" content=\"Challenge yourself with 20 CFP\u00ae exam questions on financial planning, investment strategy, insurance, and tax topics\u2014real practice for real exam prep.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.sacbee.com\/careers-education\/cfp-exam-questions\/\" \/>\n<meta property=\"og:site_name\" content=\"Sacramento Bee - Careers &amp; Education\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-25T14:38:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-17T07:16:24+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.sacbee.com\/careers-education\/wp-content\/uploads\/sites\/6\/2025\/05\/20-CFP\u00ae-Exam-Questions-feature-image.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"889\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.sacbee.com\\\/careers-education\\\/cfp-exam-questions\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.sacbee.com\\\/careers-education\\\/cfp-exam-questions\\\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"CFP\u00ae Exam Practice Questions\",\"datePublished\":\"2025-05-25T14:38:00+00:00\",\"dateModified\":\"2026-06-17T07:16:24+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.sacbee.com\\\/careers-education\\\/cfp-exam-questions\\\/\"},\"wordCount\":1491,\"image\":{\"@id\":\"https:\\\/\\\/www.sacbee.com\\\/careers-education\\\/cfp-exam-questions\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.sacbee.com\\\/careers-education\\\/wp-content\\\/uploads\\\/sites\\\/6\\\/2025\\\/05\\\/20-CFP\u00ae-Exam-Questions-feature-image.png\",\"articleSection\":[\"Careers &amp; 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