Self-study exam based on a thorough understanding of articles that include the topics of: Behavioral finance; Tax reduction/management techniques; Tax implications of special circumstances; and Charitable/philanthropic contributions and deductions.

 After reading and understanding the two articles required for this exam, the planner will:

• Understand the importance of savings rules in fostering a saving behavior with clients.
• Understand how objective and subjective financial knowledge positively impact emergency funds savings and planning for retirement.
• Understand the risks of a concentrated stock portfolio and strategies to diversify said portfolio.