CFPN case studies
CFPN · Put your knowledge to work in context.
The Certified Financial Planning Professional (CFPN) is a Chinese professional credential for practitioners who build and deliver integrated financial plans - typically advisers in banks, securities firms, insurance companies, and independent planning practices. It tests whether you can move beyond selling a single product to diagnosing a household's whole balance sheet: cash flow, investment portfolio, insurance coverage, tax position, retirement funding, and estate transfer, all pulled together in case work. The exam is delivered in Chinese by computer-based testing in multiple-choice format, and it is weighted toward investment planning, risk management and insurance, retirement planning, and comprehensive case analysis, with smaller shares for foundations and ethics, financial analysis, tax, and estate planning. Preparation rewards sequencing: build the quantitative foundations first (time value of money, cash-flow statements, risk-return), then the product and rule-heavy domains, then practise full cases under time pressure, because the integrative questions are where most candidates lose marks. The CFPN case studies are 5 cases and about 5,173 words.
1A Variable-Income Household With a Structural Cash-Flow Deficit
Marcus, 44, is a construction project manager with a base salary of 118,000 plus a bonus that has ranged from 0 to 30,000. Elena, 42, is a freelance designer earning 60,000 to 95,000 and paying quarterly estimated taxes.
922 words, about 5 min2Concentrated Low-Basis Stock Two Years Before Retirement Income Begins
Priya, 57, is widowed and works part-time. Her 2.1 million portfolio includes 1.3 million of employer stock accumulated over 25 years, with a cost basis of 180,000.
1,074 words, about 5 min3Disability and Life Insurance Gaps in a Family With a Special-Needs Child
Daniel, 38, earns a 145,000 base salary in software sales plus commissions that have averaged 40,000. Ana, 36, is a teacher earning 62,000.
998 words, about 5 min4Pension Lump Sum, a Roth Conversion Window, and ACA Subsidies
Robert, 64, will retire from a utility company this year. Susan, his wife, is 61.
1,107 words, about 6 min5Blended Family, a Family Business, and an ILIT With Premium Problems
Linh, 58, and Tom, 61, have been married for 12 years in a second marriage. Linh owns 100% of a logistics company valued at 4.2 million, with EBITDA of 850,000.
1,072 words, about 5 min