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CTFA - Certified Trust and Financial Advisor (CTFA) - Dump Information

Vendor : Financial
Exam Code : CTFA
Exam Name : Certified Trust and Financial Advisor (CTFA)
Questions and Answers : 450 Q & A
Updated On : March 21, 2018
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CTFA Questions and Answers

CTFA Certified Trust and Financial Advisor (CTFA)

Article by Killexams Financial Certification Experts


Certified Trust and Financial

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Hewins monetary | Wipfli Hewins Prepares for 2018 with enlargement of investment Committee leadership and Membership | real questions with brain dumps

REDWOOD city, Calif., Nov. 21, 2017 /PRNewswire/ -- Hewins Financial | Wipfli Hewins (Hewins) has introduced the expansion of its investment Committee, a circulation if you want to deepen the elements and capabilities the enterprise can present its consumers.

Rafia Hasan, CFA, CFP®, has been promoted from Director of Investments to co-Chief investment Officer (CIO). Hasan joins current CIO, John Bussel, in carrying on with to e book and enforce investment recommendations for the company, which holds about $four.7 billion in client property beneath administration (AUM).

Hasan has been a pivotal member of the funding Committee on the grounds that 2015, overseeing the due diligence and monitoring of investments, as well as collaborating with Bussel to strengthen the firm's inner most fairness providing. Hasan has additionally performed a essential position in cultivating Hewins' funding communications application, additional improving the way in which valued clientele and advisors obtain market assistance and education concerning the company's funding philosophy and method. She is a holder of the correct to make use of the Chartered economic Analyst® designation and is a licensed fiscal Planner™ professional.

Hewins has additionally appointed major, Regional Director and Senior monetary consultant Patrick Brault to its funding Committee. For greater than 30 years, Pat has really good in establishing integrated investment thoughts for each excessive-net-price and corporate valued clientele, and has additionally served on the investment committees for a couple of big retirement plans. he is a licensed public accountant (CPA) and holds the licensed believe and economic guide (CTFA) designation.

"Rafia Hasan brings leadership, intelligence, sharp analytical abilities, highly valuable verbal exchange abilities and intense dedication to her new position as co-CIO of the company," says Bussel. "i'm thrilled to accomplice together with her to continue to oversee and enhance our already strong and a success funding software. i am also excited to have Pat Brault join the funding Committee, whose huge adventure and deep pastime in funding issues will certainly permit him to add important viewpoint to our deliberations."

About Hewins economic | Wipfli Hewins

Hewins economic | Wipfli Hewins is a registered funding guide with workplaces throughout the nation. Hewins is an affiliate of Wipfli LLP, a countrywide accounting and consulting firm. The enterprise provides integrated economic planning and investment administration options to individuals, households, small corporations and retirement plans.

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Introducing Gary Pulford and our new Orange County, CA office | real questions with brain dumps

I even have some entertaining information nowadays…

Michael, Kris, Barry, Ben and i trip the nation to meet our customers, appear at conferences and do the type of networking that keeps us up to speed with what’s occurring within the trade. in every single place we go, we’re always meeting our peers in the RIA world and learning about different procedures to the company of tips.

and every once in awhile, we come throughout a different marketing consultant who receives what we’re doing and desires to be a part of it. We’re enormously selective about who we carry into the fold. We’re trying to find folks with a topic advantage and a spotlight on doing what’s greatest for his or her customers, first and finest. The leading prerequisite is that they must consider within the mission and the message of our company.

Our most up-to-date appoint, Gary Pulford, CFTA, exams every container. He’s experienced, thoughtful, permitted in key areas inside wealth administration and brings a trove of latest skills into our firm. these days, Gary opens the Newport beach, California office of Ritholtz Wealth management on Newport core force. It’s our first vicinity in California, a state that represents a large portion of our clientele and on-line following.

We’ve met tons of of advisors who might have probably represented us in the area, but Gary is on yet another degree…

Gary Pulford brings essentially 35 years of have faith and funding journey with him to Ritholtz Wealth administration.  all through his extensive career he has honed his talents at one of the vital greatest enterprises on Wall street, together with billion greenback investment advisors and a regional have confidence business.  When working with particular person consumers, Gary’s goal is not handiest to be certain that their funding program is precisely matched to their wants and risk tolerance. He regularly becomes a key depended on advisor, interfacing with accountants, attorneys and insurance consultants to be certain that each one facets of the client’s wants are being safely addressed.  moreover, his extensive adventure with Trusts and his training during the American Bankers affiliation’s certified have confidence and economic advisor (CTFA) application makes him a useful useful resource when aiding customers with complex trusts and finding out the intricacies of property administrations. Gary should be servicing clients from our Newport seaside, California workplace and he appears ahead to being a useful resource throughout a huge spectrum of our shoppers.

We’re honored to have Gary join us and we look forward to leveraging his insights and potential for the work that we do for high net worth households throughout the country. Having a Southern California presence gives me much more reason to discuss with – and that i find it irresistible accessible!

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rich Uncles publicizes New CFO, COO, and company Headquarters | real questions with brain dumps

(MENAFN Editorial) COSTA MESA, Calif., Dec. four, 2017 /PRNewswire/ --leading crowdfunding real estate investment platform, prosperous Uncles, LLC, these days introduced the appointment of John H. Davis as its new chief monetary officer and Jean Ho as its new chief working officer and chief compliance officer.

(PRNewsfoto/wealthy Uncles, LLC)... "we are excited to welcome John Davis as our CFO," brought up CEO Harold Hofer. "John brings a long time of high-degree accounting and audit experience, primarily focused on SEC-reporting REITs. John's presence on our crew will promote seamless interplay with our outdoor audit firms, and his lengthy song listing in true estate ownership and finance will add extra price to our REITs." Mr. Davis involves wealthy Uncles after more than four many years with KPMG LLP, one of the most world's four largest accounting enterprises, where he had served as a accomplice when you consider that 1988. in addition to his experience with public businesses, including REITs, Mr. Davis is additionally an authorized licensed public accountant in Colorado, and a member of the American Institute of licensed Public Accountants, the California CPA Society and the national association of real estate investment Trusts. He acquired his bachelor's degree in company administration from the tuition of Wisconsin-Whitewater and his grasp's diploma in company administration from De Paul university.

Ms. Ho joined rich Uncles, LLC in 2016 because the company's chief economic officer, the place she has helped lead the acquisitions of 29 industrial properties across two prosperous Uncles-subsidized REITs: wealthy Uncles actual estate funding believe I and rich Uncles NNN REIT, Inc. just before joining prosperous Uncles, LLC, Ms. Ho held positions as chief working officer and chief fiscal officer of Soteira Capital, LLC, chief fiscal officer of MKA Capital Advisors, LLC, and with KPMG LLP, where she specialized in precise property, fiscal capabilities, and excessive net wealth own Financial and property planning. a certified public accountant since 2002 and a member of the California State Bar seeing that 1996, Ms. Ho bought her bachelor's degree in economics from UCLA, Juris doctor, cum laude, from California Western school of law and an LL.M. in taxation from college of San Diego faculty of law. She is also an adjunct professor for the Graduate faculty of Finance at California State institution, Fullerton.

besides the appointments of Mr. Davis and Ms. Ho, nowadays wealthy Uncles additionally announced that it has moved into its new company headquarters at 3090 Bristol street in Costa Mesa. "The flow is an exciting construction for prosperous Uncles," brought up Hofer. "Our enterprise has tremendously grown in scale over the remaining three years, and our bigger facility will enable for continued enlargement and innovation across all departments."

About wealthy UnclesRich Uncles changed into founded in 2012 with one aim: to make entry to industrial actual estate investing accessible to all and sundry. through its on-line, direct-to-purchaser platform, prosperous Uncles has executed this by offering non-millionaires the chance to own business real property with low limitations to entry, together with $500 initial investment amounts. five years later, prosperous Uncles, LLC now manages 38 income-producing business residences which include over $261 million in cost (as of September 30, 2017, 17 houses comprising approximately $126.6 million in belongings are owned by way of prosperous Uncles NNN REIT, Inc., and 21 homes comprising approximately $134.four million in property are owned with the aid of rich Uncles real estate investment believe I). The investor response to rich Uncles' know-how platform has been surprising; guys and girls from all origins have used prosperous Uncles' platform as a method of investing in business precise property for the very first time, while seasoned investors have viewed rich Uncles as the absolute best complement to their already various, professionally managed portfolios.

3090 Bristol street, Suite 550, Costa Mesa, CA 92626Office: 1-855-wealthy-Uncles

observe prosperous Uncles on Social Media at facebook/Twitter/LinkedIn: @RichUncles

Contact:Lauren RuggeMarketing Operations manager(949) 835-4310

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Rich Uncles Announces New CFO, COO, and Corporate Headquarters

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Financial CTFA Exam (Certified Trust and Financial Advisor (CTFA)) Detailed Information

DEFINITION of 'Certified Trust And Financial Advisor - CTFA'
A professional credential offered by the American Bankers Association for financial professionals. This mark provides training and knowledge in taxes, investments, financial planning, trusts and estates. The Certified Trust and Financial Advisor mark is appropriate for bankers, brokers, financial planners, tax professionals and trust officers.
BREAKING DOWN 'Certified Trust And Financial Advisor - CTFA'
To achieve the designation candidates must have a minimum of three years experience in personal trusts along with the completion of an ICB trust training program. Candidates can also have five years experience in personal trusts along with a bachelor's degree or ten years experience in personal trusts. To go along with the prequisites, candidates must also sign a professional code of ethics and successfully pass an examination.
Certified Trust and Financial Advisor (CTFA)
Make this the year you earn your Certified Trust and Financial Advisor (CTFA) certification -- the recognized standard of excellence for trust and wealth advisors.
Earning this widely-respected certification lets your employer and clients know that you have a formally-acknowledged level of knowledge, skills and competence in your field.
Interested in taking the next step toward your CTFA? Explore the following web pages to learn more about eligibility, exam requirements, and the pathway to earning your
CTFA Eligibility Requirements
Please note: The ICB certifications are based on U.S. laws and regulations and are therefore not offered outside the U.S.
Interested in exploring the CTFA designation? Learn whether you're eligible today!
​You must meet the following prerequisites to qualify to take the CTFA certification examination.
Professional Experience and Education
Wealth management experience is defined as direct client contact in the various facets of delivering financial planning and fiduciary services relating to trusts, estates, IRAs and individual asset management accounts. This experience further includes providing direct client contact in administrative, investment management, tax, legal and marketing services.
Please note -- experience in employee benefit trust, corporate trust or securities/trust operations does not qualify as wealth management experience.
Experience tiers:
A minimum of three (3) years experience in wealth management and completion of one of the following four ICB-approved wealth management training programs:
Option 1
ABA National Trust School
ABA Graduate Trust School (Level 1 & 2);
Option 2
ABA Wealth Management and Trust Online Training Courses (all courses required)
ABA CTFA Online Review Course
Other ICB-approved wealth management training programs:
Option 3: Cannon Financial Institute Trust Schools (Level I, II and III)
Option 4: Campbell University's Trust & Investment Management Program
Five (5) years experience in wealth management and a bachelor's degree
Ten (10) years experience in wealth management
Certified Trust and Financial Advisor (CTFA) Benefits
Take Your Career to the Next Level
Why pursue your CTFA designation? Consider these professional benefits and member values:
Career Enhancement — Earning the CTFA designation differentiates you from the competition and helps employers and clients identify you as a skilled, knowledgeable trust and wealth advisor. It's an industry gold standard that rewards your professional expertise.
Free Subscription — CTFAs enjoy a free subscription to ABA Trust Letter, a monthly electronic publication that arrives 12 times per year.
Continuing Education (CE) Database — CTFAs can identify relevant professional development options quickly and easily with the members-only ICB Certification Manager, which highlights continuing education programs that have been approved for ICB credits.
Membership Directory — Access to the exclusive Membership Directory enables CTFAs to connect with peers who share their designations.
New Member Referral Incentives — Refer one person who applies for a certification exam in a given calendar year, and ICB will waive your certification renewal fee for the next calendar year, up to $249. Please use the ICB Member Referral Form.
ICB Member Discount - CTFAs receive special pricing for registration to the ABA Wealth Management & Trust Conference.
CTFA Exam Overview
Exam Facts
200 multiple-choice questions
Maximum 4 hour timeframe allowed
Calculators or other devices not permitted
Sample questions for the CTFA examination.
Question Parameters
ICB ensures that each question is complete, fair and measures only the required knowledge areas. Psychometricians and advisory board members ensure that each question is considered only when there is one right, clear answer and all cultural, geographical, organization biases and minute details eliminated. New questions are created and reviewed for relevance, content and difficulty by an exam development team comprised of advisory board members, ICB staff, and psychometricians.
Some questions may contain a superlative (i.e. MOST), a pejorative (i.e. LEAST), or a negative (i.e. NOT) to recreate some types of decisions that you may confront.
Exam Scoring and Reporting
The exam is scored on a "Pass/Fail" system using a predetermined cut off score based on advisory board analysis of the degree of difficulty for each question.
A preliminary instant pass/fail outcome is provided for computer based exams at testing centers.
Each exam contains a small number of randomly embedded questions that are included for statistical research purposes. These questions do not count against candidate scores. This form of piloting questions before they are scorable is part of ICB's efforts in continuous quality improvement.
Official score results are delivered for both computer based and paper and pencil exams within 4 weeks via email.
Exams are scored based on your personal performance and are not graded on a curve.
Score results are confidential. You must sign an Exam Score Release Form if you want to authorize a third party to receive your score results.
Exam Retakes
Effective January 2015, you must wait a minimum of 6 months before you are allowed to retake the CTFA exam on the next scheduled exam date.
You must forward the appropriate fee along with the exam retake form.
There is no limit to the number of times you can take the exam.
You must pass the exam within a 3 year period from the date of your first exam attempt or a new application and fee is required.
Examination Misconduct
All persons taking one of ICB's examinations are expected to abide by all rules and regulations governing the examination before, during and after the examination. Possession of copies of any current or previous examination given by ICB is not authorized and is a violation of ICB's rules governing certification exams. Persons taking ICB certification examinations are not permitted to take notes about the examination.
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Financial CTFA

CTFA exam :: Article by ArticleForgeWeaver Earns country wide Certification

DAMARISCOTTA, Maine – Matthew Weaver, vp and Senior Portfolio supervisor at the start Advisors, was recently awarded the licensed have confidence and fiscal marketing consultant (CTFA) designation from the Institute of certified Bankers, a subsidiary of the American Bankers association.

“incomes the CTFA designation validates Matt Weaver’s experience and depth of education within the wealth management business,” mentioned Steven ok. Parady, executive vice president, Senior have faith Officer and Chief Fiduciary Officer for First Advisors. The CTFA designation is awarded to people who reveal excellence within the box of wealth administration and have confidence. To qualify for the CTFA certification, individuals ought to have certain stages of experience and training within the have faith career, move an exam, and conform to abide via a code of ethics. The CTFA examination covers many areas together with fiduciary and have confidence activities, monetary planning, tax legislations and planning, funding administration and ethics.

Matt joined First Advisors in November of 2000 as Operations Supervisor. In 2007, Matt turned into promoted to Assistant investment Officer and assumed accountability for efficiency reporting and portfolio management. As a Senior Portfolio supervisor, his tasks include serving on the primary Advisors investment Committee and managing the portfolios of individuals, trusts, and non-income foundations.

fiscal services professionals, working in the course of the Institute of certified Bankers, initiated the CTFA designation and six others with a purpose to establish meaningful requirements of potential in strong point areas of the monetary capabilities trade.  ICB certifications formally appreciate people who meet these requisites and meet expert continuing schooling and construction necessities.

ICB, with more than 11,000 certified members, gives monetary services specialists with self belief, credibility and recognition via its certifications. As a subsidiary of the American Bankers affiliation, ICB promotes the optimum specifications of efficiency in the monetary capabilities trade by means of validating individuals’ abilities and potential.

First Advisors offers funding advisory, asset administration, very own economic planning, trust and estate management, own believe administration, and property contract administration functions to individual, corporate, municipal, and non-income purchasers. First Advisors has places of work in Bangor, Bar Harbor, Damariscotta, Ellsworth and Rockland. For more counsel, please visit or call 866-563-1900.

Smith earns certified have faith & monetary consultant reputation

Todd Smith, govt vice president of have confidence & Asset administration at Farmers bank & believe, changed into currently awarded the licensed have confidence & financial advisor (CTFA) designation from the Institute of certified Bankers (ICB).

The ICB is a subsidiary of the American Bankers affiliation, Washington, D.C.

Smith has been with Farmers financial institution & have faith for greater than five years, and has 21 years of banking event within the areas of wealth management, government management, and regulatory supervision. He also serves as chairman of the financial institution’s Asset liability administration Committee.

The CTFA designation is awarded to individuals who demonstrate excellence within the field of wealth management and have confidence. To qualify for the CTFA certification, people have to have definite levels of event and training within the have confidence career, flow an examination, and comply with abide by using a code of ethics. The CTFA examination covers many areas including fiduciary and trust capabilities, economic planning, tax law and planning, funding management, and ethics.

Wealth administration gurus, working throughout the ICB, initiated the CTFA designation and eight others to be able to set up significant standards of skills in strong point areas of the business. ICB certifications formally admire folks that meet these requisites and meet skilled continuing training and development necessities.

more than four,000 finance professionals across the country have earned the CTFA designation, which is recommended and established through the American Bankers affiliation’s ICB to promote the maximum necessities of industry performance through validating people’ talents and expertise. The certification distinguishes people who display excellence, journey, and a depth of education within the wealth management industry.

extra counsel on the ICB will also be acquiring by way of calling 202-663-5092 or visiting

CTFA - practice exam #1 Questions

"helpful Receipt" is invariably applicable to the tax remedy of...

Non-certified Deferred Compensation Plans

Non-qualified Deferred Compensation

TCHRA: Compensation that is not automatically taxable. It does not qualify under ERISA for tax exemption. Taxation occurs once the individual receives the compensation or "property"

A 1035 trade refers to a tax free change of...


1035 trade

IRS permits tax-free switch of cash values between 2 LIKE policies (i.e. existence to existence, Annuity to Annuity, or life to Annuity).

If a financial institution uses its personal proprietary mutual cash for fiduciary debts then it would do here (three)

-Be able to substantiate the reasonableness of using these dollars-clarify the fees associated-computer screen the fund's investment efficiency

an easy have confidence earned $27,000 in dividends. It paid $four,000 in trustee expenses. 1/2 from revenue and 1/2 from P. what is the DNI?


T/F: In an easy trust, trustee fees are deducted from DNI even the fees that come out of fundamental?


Sprinkling believe

A have faith through which the profits or main is dispensed among the many contributors of a delegated type in quantities and proportions as may well be determined in the discretion of the trustee or different party. also known as spraying have confidence.

A US dollar can purchase 33 Thai Baht. what is a attribute of the Thai Baht?

The Thai Baht is a medium f exchange to facilitate exchange and of itself has no intrinsic price.

a extremely filthy rich customer created a trust that names your bank as a co-trustee with someone following the customer's dying. Upon reviewing the trust document, you note that the particular person trustee is granted sole and comprehensive accountability for all have faith funding decisions. Is that appropriate? What if you observe up with?

this is adequate but make sure you require that have faith comprise large language specifying that the bank might be exonerated (exculpated) from any resolution made individual trustee.

Al, Bob and Chuck bought a $300,000 piece of actual property. They each and every contributed $one hundred,000 to the purchase. Which of the following types of property ownership would instantly flow the property to Bob and Chuck if Al dies first?


expect Ann, 45, leaves her job at Google and takes an analogous position at fb. If she instructs Google's human aid department to distribute her current 401(okay) steadiness to an IRA,

Google may also distribute Ann's full account steadiness without withholding any amount.

expect that the united states is experiencing a larger than regular GDP boom and the Federal Reserve desires to "cool things off" with an activity cost hike. Which of right here gold standard describes the mechanism to accomplish this aim?

Pursue open market activities (OMA) to promote bonds.

Assuming Amy created a 5-12 months grantor annuity believe (GRAT) in 2015 with a 25% annuity charge, and she or he dies in 2018

Amy may have used her closely held company or a publicly traded inventory to fund the GRAT

Barney, an insurance agent, indicates Myron why he wants $250,000 of extra insurance. Myron is younger and has three young infants. he's funding-minded and likes to play the market. Which of the following is the choicest alternative for Myron

$250,000 variable established life coverage

in comparison to established loan loans, jumbo loan loans customarily

have a much better pastime fee

currently, a retired employee, who's 67 years of age, receives $22,500 of employment income. Social security benefits will be decreased by using:


Donor-counseled money get hold of the identical tax medication as contributing to

a public charity

T/F: Fiduciary powers generally apply collectively and severally to each fiduciary if there are co-fiduciaries


submitting a decedent's last tax return is the accountability of the decedent's

very own consultant

Herman (age 72) is receiving annuity payments of $1,850 per thirty days from a fixed annuity plan on a joint-and-remaining-survivor foundation. Herman's wife Kathleen is sixty eight years old. involving his annuity plan, if Herman dies before Kathleen...

the annuity funds will continue unless Kathleen's demise with a component of the payments reportable to her as general income

How does an investment marketing consultant prudently encompass behavioral finance into establishing funding innovations?

Objectively measures how human emotion hinders earnings-making selections.

Howard bought here remaining year: • A $10,000 bonus from his service provider • 1,000 shares of Starbuck's favourite stock that he inherited when his mother died • A $1,000 dividend investigate from Starbuck's • $6,000 of militia Reservist pay for his three months of active responsibility. involving Howard's earnings tax, the inventory is


Husband made right here gifts this yr: • $30,000 of Microsoft inventory to his spouse • $15,000 to the local hospital to pay for his aunt's contemporary surgical procedure • $70,000 to a 529 plan for the benefit of his niece • $20,000 to his son to pay off his college personal loan. in regards to the reportability and taxation of these transfers, the present to his spouse of Microsoft sock is...

no longer reportable and completely excludable from taxation

If a trust distributes property in kind, and elects to recognize gain or loss upon distribution, the beneficiary's basis in such property is

the fair market price upon distribution

In January, rich created and funded an account below the Uniform transfer to Minors Act (UTMA) for his son, Tom, who's nine. rich died in March—three months later. Would wealthy's estate include the cost of the assets in the UTMA?


Jake has one dwelling baby (C1). C1 has one newborn, (GC1) Jake's different infant (C2) died in 2000 leaving one infant, (GC2). Jake also has a grandnephew (GN1) whose father (Jake's nephew) died in 1998. This yr, Jake made gifts of $50,000 outright to each of GC1, GC2 and GN1. Which of those recipients are pass individuals for technology skipping tax applications?

GC1 and GN1

Jenny is the beneficiary of a certified home believe (QDOT) centered by means of her deceased husband, Will. Your bank is the trustee. Your have faith department determines that Jenny will receive a discretionary distribution of main moreover a distribution of income from the have confidence. When the distribution is made, which of the following will ensue?

An estate tax can be due equal to the federal estate tax that might have been paid had the QDOT property been protected within the deceased significant other's property.

John died January 2, 2014 leaving a $12 million property. His revocable have faith consists of a pecuniary method to a marital have faith. John owned a house collectively together with his significant other, which had a value in his estate of $four hundred,000. John also owned an IRA valued at $1 million payable to his companion. All of his other belongings have been in his have faith. John made no gifts all over his lifetime. Assuming that the relevant exclusion amount has not increased because of the inflation alterations, what quantity will fund the marital believe?

$5.6 million

Margaret died possessing one thousand shares of Johnson & Johnson stock. She died after a dividend became declared and after the listing date, however before the payable date. Which of the following might be covered in Margaret's gross estate?

both stock and dividend

On July 26, 2014, Faye bought for par a $20,000 AAA everyday Motors Acceptance supplier (GMAC) 7/1/29 debenture @ 6.625 with a 12th year refunding provision. Is the pastime rate is fastened for the term of the debenture?


On July 26, 2014, Faye purchased for par a $20,000 AAA well-known Motors Acceptance organization (GMAC) 7/1/29 debenture @ 6.625 with a twelfth year refunding provision. How an awful lot did Faye pay for this investment?


On July 26, 2014, Faye bought for par a $20,000 AAA commonplace Motors Acceptance enterprise (GMAC) 7/1/29 debenture @ 6.625 with a twelfth yr refunding provision. within the 12th 12 months (2026). Does GMAC have the alternative to redeem (call) the bond?


On July 26, 2014, Faye purchased for par a $20,000 AAA common Motors Acceptance company (GMAC) 7/1/29 debenture @ 6.625 with a 12th year refunding provision. The investment's annual return in greenbacks is:


On July 26, 2014, Faye bought for par a $20,000 AAA customary Motors Acceptance enterprise (GMAC) 7/1/29 debenture @ 6.625 with a 12th 12 months refunding provision. This funding falls into what asset allocation?

corporate Bonds

Paul and Kim are married and file a joint tax return. they have got a one-yr-ancient daughter who spends 20 hours per week outside the residence in a qualified daycare facility. Paul is a full-time MBA scholar. Kim is a full-time psychologist. With respect to claiming the credit score for child and stylish care prices:

each can declare it

Rod is a nurse and works in a small, local health facility. he's required to wear a clean, surgical scrub uniform day after day. he's also required to purchase several medical contraptions vital for his job. These objects don't seem to be offered by the clinic. Rod's adjusted gross income is $60,000. He spent $1,400 last year for these things. How much of what he spent can he tax deduct on schedule A?


Rodney these days inherited a portfolio of stocks and bonds from his Uncle. He decided to location the securities with XYZ financial institution and believe company as custodian while he did research. With admire to a custodial agent's permissible obligations:

regarding bonds, the custodial agent is required to inform Rodney of gentle offers, alterations in scores, and potential defaults

Social protection retirement advantages are in accordance with which of here?

The quantity of contributions to the equipment over the retiree's entire work heritage

Social security retirement benefits should not decreased, despite how a good deal salary a recipient receives, if the recipient has attained the age of


T/F: Speculative risk is the possibility that could outcome in both loss or benefit


Steve creates and dollars a revocable trust. Following his death, the believe revenue is payable to his daughter, Mary, throughout her lifestyles, with the remainder quantity of the believe payable to Zeb upon Mary's demise. If Zeb desires to deny his hobby within the believe, he will must accomplish that within nine months of:

Steve's dying.

Susan's first husband Scott died in 2011, leaving all of his property to Susan. She marries David in 2012, and divorced him in early 2014. David died in December 2014. Which of here describes the estate tax influence?

Susan's DSUE, if any, should be based on Scott's estate tax exemption at the time of his dying.

T/F: The really helpful pastime held by a surviving spouse beneficiary of a QTIP trust can most appropriate be characterized as a NON obligatory earnings activity?

False - it's mandatory

The deadline for an grownup to make a disclaimer of a testamentary switch is:

9 months from the date of death.

The highest variety of shareholders approved for an S corporation is:


The paramount responsibility of a believe is to

deliver loyalty to the believe's beneficiaries that arises out of the relationship that outcomes from the introduction of the trust

The right to drill and produce oil and fuel beneath a rent is known as what variety of hobby?


The Trustee is a hit in the agreement of a claim for wrongful death of the Grantor and receives $a hundred,000. Which of the following may still he do FIRST with the $one hundred,000?

credit score it to main of the trust.

The UPIA "energy to modify" with recognize to profits payments from a have confidence may be exercised by which of the following situations?

should often be exercised only if it is reasonable and cost-efficient to all beneficiaries

Treasury securities which have their pastime coupons and main payments separated into what then, very nearly, turn into zero coupon bonds are referred to as


When a trustee finds it problematic to steadiness its fiduciary tasks and duties and retain an obligation of impartiality, the trustee is coping with its obligation to

disappoint equally

When a trustee utilizes an age-based mostly asset allocation rule for funding purposes, the trustee is

investing in an asset allocation between stock and bond in keeping with a shopper's age

When it's time to terminate a have faith, a trustee is accredited to do which of right here?

endeavor any powers which are quintessential or correct in accordance with the instructions within the have faith doc.

Which of here precisely describes a believe officer's appropriate to acquire compensation from a life assurance agent for referring purchasers?

not suited, given that this is able to represent a kickback

what's the waiting period for incapacity merits obtainable below the federal government-sponsored disability coverage program (OASDHI)?

A incapacity should ultimate 5 months earlier than advantages can begin.

What does right here observation describe? Transaction negotiated by unrelated parties where property would change arms between a willing buyer and a willing vendor, when neither is forced to buy or promote and both have economical skills of all primary records

palms size Transaction

T/F: company trustees will likely be held to a much better degree of fiduciary responsibility than a person trustee.


Incentive believe

have faith that incorporates a property distribution plan designed to inspire or curtail a beneficiary's moves

What sort of have confidence is an IDGT (intentional faulty grantor have confidence) for revenue tax functions?

A grantor have confidence

Which of here describes the regulatory requirements imposed on an investment management business in regards to mutual cash? proper

A. at least ten % of the administrators of the mutual fund have to be non-interested persons of the fund.

B. The investment management company ought to deliver custodianship of the fund's property.

C. The administration enterprise's investment advisor ought to be sure by a signed written contract.

D. The fund is required to appoint a federal government authentic who is accountable for written guidelines and techniques that are designed to stay away from violations of federal legal guidelines.


Describe the relationship between places, calls, alternatives and strike expenses?

purchaser of a put choice has a correct to promote the underlying securities at the strike price.

Which of here fees could be deducted most effective on the estate tax return? CorrectA. Executor feesB. Funeral expensesC. Administrative expensesD. Trustee's fee for actions that could invariably be taken via the executor

Funeral expenses

what's a practice that allows for buyers to in the reduction of the costs charged by using mutual funds?

Rights of accumulation

T/F: A Margin loan is at all times a secured loan


What variety of believe offers continuity of management in the adventure of disability?

Revocable have confidence

the following is an example of what? John leaves 1,000 acres of farm land to his daughter in his will; the daughter elects to take handiest 501 acres of the land, which is a majority pastime.

A partial disclaimer

Are proceeds of inventory purchased earlier than demise however bought after death protected on the property or particular person tax return?


Is a C-company ever a pass-via income tax entity?


C-business enterprise

essentially the most standard type of company. It protects the entrepreneur from being personally sued for the movements and accounts of the company. Has limited liability, the simplest time raising capital, and pays company taxes

S-service provider

an organization always accommodates as a ordinary C-enterprise in its state after which registers with the federal executive throughout the internal salary service to achieve reputation for tax purposes. Has restrained legal responsibility, no company taxes, and a maximum of 75 homeowners?

These are examples of what?IRA beneficiary designationLife assurance beneficiary designationJoint tenancy with appropriate of survivorship savings account

Will substitutes

T/F: community property is a will exchange?


Which of the following isn't considered to be revenue in recognize of decedent?A. Installment note paymentsB. particular person retirement accountC. Bond pastime accumulated through date of deathD. Dividend with record date and pay date after date of loss of life

D. Dividend with listing date and pay date after date of death

certified transfer in technology-skipping transfer trusts include direct skips, taxable distributions, taxable terminations but not...

oblique skips

P/E ratio

When an fairness is measured by using dividing a inventory's rate per share by way of earnings per share

P/B Ratio

Market cost of fairness / book value of fairness

Which of here items is not covered in a have confidence's distributable internet earnings?A. regular dividendsB. Tax-exempt interestC. Taxable stock dividends allocated to corpusD. Capital beneficial properties allocated to corpus which are required to be distributed to a beneficiary

C. Taxable stock dividends allotted to corpus

Which of right here scientific payments qualify as a potential deduction on schedule A of a taxpayer's individual salary tax return?A. elective LASIK surgeryB. Noncritical facial beauty surgeryC. long run care coverage premiumsD. clinical prices for a non-dependent

C. long term care coverage premiums

Which of right here provisions does not constitute a pecuniary bequest?A. "100 dollars"B. "Two-thirds of my residuary estate"C. "An amount equal to the applicable exclusion amount"D. "A sum of money equal to the cost of my personal house as valued for federal property tax purposes"

B. "Two-thirds of my residuary property"

Which of right here securities constantly entitles traders to a fixed dividend, ownership devoid of balloting privileges, and a senior position if dividends are paid?

preferred stock

Which of here statements is a typical ground for contesting a will?A. The perception that the testator didn't possess testamentary means to execute his will.B. The execution was witnessed by way of best two witnesses.C. there's a codicil that modified the personal consultant.D. the desire turned into no longer notarized.

A. The perception that the testator did not possess testamentary capability to execute his will.

Which of the following statements is proper with appreciate to GSTT (technology skipping switch taxation)?A. on every occasion there's a generation skipping switch, there always is a tax dueB. If a GST tax is applicable to a transfer, it is in addition to taxes that may also need to be paid on transfers area to reward or estate taxC. The GST tax is a tax in lieu of the present and/or estate tax.D. The GST tax legal guidelines observe to all transfers, even with when the transfer changed into made.

B. If a GST tax is applicable to a transfer, it is apart from taxes that may also ought to be paid on transfers area to present or property tax

T/F: Blue chip stock is characterized by means of excessive first-class enormous cap stocks


what is going to absolutely investigate the validity of a trust, in spite of where the settlor resides?

law of situs

Which of the following would require the submitting of an IRS kind 709?A. Husband gifts $a hundred,000 of inventory, with a basis of $25,000, to his wife.B. X sends a $33,000 assess to Yale college to pay her nephew's tuition.C. Y will pay his aunt $23,000 to reimburse her for her medical bills that had been incurred because of recent hip surgical procedure.D. Z, a surgeon, doesn't cost his ordinary $25,000 payment for his brother-in-legislation's hernia surgery.

C. Y pays his aunt $23,000 to reimburse her for her clinical bills that were incurred because of recent hip surgery.

T/F: whereas meeting with a consumer to focus on property planning, she asks on your advice in making a choice on beneficiaries beneath her will. you should make advice


Can a successor corporate trustee can frequently be responsible for any act or failure of the predecessor particular person or company trustee?


X created an irrevocable have faith for the advantage of her 23-12 months-ancient daughter and her 16-year-old son. X's daughter is entitled to receive one-half of the believe's revenue yearly. The trustee has discretion to pay the other half of the have faith's profits to the son or accumulate it while he is a minor. No distributions have been crafted from the have faith this yr. How will the have confidence's revenue be taxed? proper

A. One-half to X's daughter and one-half to XB. One-half to X's daughter and one-half to X's sonC. One-half to X's daughter and one-half to the trustD. All to X

C. One-half to X's daughter and one-half to the have confidence

XYZ Inc. is going public and anticipates authorizing 25 million shares of common inventory and 5 million shares of preferred inventory. with reference to the relationship of the regular stock to the favourite inventory: CorrectA. XYZ can concern the favourite inventory first and the standard stock 2nd.B. based on NASD laws, as soon as XYZ authorizes the typical shares, it have to subject (promote) all of the shares within 24 months.C. within 6 months of authorizing the stock, XYZ need to file a record with the SEC during which the enterprise establishes the inventory's alpha and beta efficiency.D. If XYZ concerns the common and the preferred inventory and there's a corporate bankruptcy, the favored stockholders have a precedence declare on company property before the normal stockholders.

D. If XYZ issues the common and the favourite stock and there's a company bankruptcy, the favored stockholders have a precedence declare on enterprise assets before the average stockholders.

Your client is the co-trustee and beneficiary of a credit shelter have faith that pays all revenue to her and essential in the trustee's discretion for health, help, and protection. She currently receives $forty eight,000 per 12 months, however wants an extra $5,000 to help her with the purchase of a brand new automobile. Your customer seeks your tips. The most useful response is to tell her she should still: CorrectA. discuss with the trust's legal guide involving the rights and duties of a trustee and the activity of discretionB. resign as trustee to keep away from any skills or real conflict of hobby between the trustee and the beneficiaryC. disclaim her pastime as beneficiary of the have confidence to avoid its due to this fact being taxed in her estateD. make different arrangements for the purchase of the motor vehicle, due to the fact its buy would no longer qualify as a legitimate discretionary distribution

A. seek advice from the have confidence's criminal advisor concerning the rights and tasks of a trustee and the exercise of discretion

Your client owns a $200,000 home in tenancy by using the entirety, a $15,000 automobile in his personal identify, an $8,000 CD in his name alone, and a $100,000 existence insurance policy with a money price of $10,000, payable to his spouse. The cost of his probate estate is:


Your customer bought an entire lifestyles insurance plan ten years in the past and wishes to stop paying the premiums. If he stops paying them, which of here is a non-forfeiture choice that he can use? CorrectA. 1-12 months termB. Paid-up decreased amountC. Installments for a hard and fast periodD. Installments for a set quantity

B. Paid-up reduced quantity

Your customer was born in 1952. you're offering some retirement planning tips. Your customer would want to retire at age 65 and depend in part on Social safety merits. you should inform your client that:A. a ninety% advantage is available at age 62B. full merits begin at age 65C. full advantages start at age 66D. spousal benefits may be delayed to age 70 1/2

C. full advantages begin at age sixty six

Barbell method

bonds within the portfolio can be fairly-and-evenly divided between short-term and lengthy-time period maturities, with the fewer bonds having intermediate maturities

Your customer's investment portfolio has an asset allocation of 65 % municipal bonds and 35 p.c mid-cap shares. Which of right here is an acceptable benchmark for the equity element of the portfolio?A. S&P 400B. S&P 500C. Russell 1000D. Wilshire 5000

A. S&P 400

Banker earns CTFA designation

EDWARDSVILLE — The Investor group on the bank’s Tina Fromme these days earned the licensed have confidence and fiscal consultant designation from the Institute of certified Bankers, a subsidiary of the American Bankers affiliation in Washington, D.C.  

Fromme is a vice president/have confidence Officer with The Investor neighborhood on the bank and has been with the company considering the fact that 2008. additionally a certified fiscal Planner expert who holds sequence 7, sixty three and sixty six certificates and coverage licenses, she was named a five megastar Wealth supervisor by St. Louis journal in 2012 and 2013.  

The CFTA designation is awarded to individuals who display excellence in the field of wealth management and have faith.  To qualify for the CTFA certification, individuals have to have definite ranges of event and schooling within the trust career, circulate an examination and agree to abide with the aid of a code of ethics. The CTFA exam covers many areas together with fiduciary and believe activities, financial planning, tax legislations and planning, investment administration and ethics.  

A division of The financial institution of Edwardsville, The Investor group at the bank offers a full latitude of fiscal features together with investment management, believe administration, IRA administration, employee improvement plan administration, estates, and guardianship administration. For suggestions about the Investor group at TheBANK, name (618) 659-6242 or talk over with

Two at ESSA financial institution & believe earn designations

Lynn Dailey, advertising officer of ESSA bank & believe headquartered in Stroudsburg, changed into these days awarded the certified financial advertising and marketing professional designation. Michelle Rogan, believe officer, currently earned the licensed have faith & monetary guide designation. each awards are given via the Institute of licensed Bankers, a subsidiary of the American Bankers association in Washington, D.C.

Lynn Dailey, advertising and marketing officer of ESSA bank & trust headquartered in Stroudsburg, changed into lately awarded the licensed fiscal marketing skilled designation. Michelle Rogan, have confidence officer, lately earned the certified trust & fiscal marketing consultant designation. each awards are given by way of the Institute of licensed Bankers, a subsidiary of the American Bankers association in Washington, D.C.

The CFMP designation is awarded to people who demonstrate excellence in the container of financial services advertising and marketing. The CTFA designation is awarded to people who display excellence within the field of wealth administration and trust.

Dailey has worked for ESSA for eight years, starting as a advertising associate and most recently as advertising officer.

Rogan has more than 12 years economic industry journey, holding quite a lot of positions in economic associations throughout northeastern Pennsylvania.

To qualify for the certifications, individuals should circulate an examination and conform to abide by means of a code of ethics. The CFMP exam covers many areas including monetary principles, laws and regulations, market research, qualities of advertising and marketing plans and advertising accessories. The CTFA exam covers areas such as fiduciary and believe activities, personal financial planning, tax legislations, investment administration and ethics.

ESSA financial institution & trust, a wholly owned subsidiary of ESSA Bancorp Inc., has complete assets of greater than $1 billion. in addition to Stroudsburg headquarters, it has 13 group places of work right through the Poconos. ESSA Bancorp Inc. inventory trades on the NASDAQ international MarketSM below the image "ESSA."


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