Self-study exam based on a thorough understanding of articles that include the topics of: Client and planner attitudes, values, biases; Behavioral finance; Tax reduction/management techniques; and Tax implications of special circumstances.

After reading and understanding the two articles required for this exam, the planner will:
• Understand the role that marital status has in determining a client’s risk tolerance.
• Understand other factors that play a bigger role in determining clients’ risk tolerance.
• Understand the intricacies in how retirement age and effective withdrawal strategies can increase lifetime earnings in retirement.