Self-study exam based on a thorough understanding of articles that include the topics of: Client and planner attitudes, values, biases; Sources of money conflict; Financial services regulations and requirements; Consumer protection laws; Fiduciary standard and application; Income tax fundamentals and calculations; Tax reduction/management techniques; Tax implications of special circumstances; Education needs analysis; and General principles of effective communication.

After reading and understanding the five articles required for this exam, the planner will: • Understand how personal financial salience can attribute to higher financial satisfaction and retirement security. • Gain an overview of SEC regulations and how planners and firms can avoid breaking the law. • Understand whether delaying RMDs from TDAs if RMD age gets pushed back is the most advantageous strategy. • Understand the struggles first-gen college students have and how the professions can assist them. • Create effective presentations to persuade clients to properly diversify their portfolios.