FPWMP case studies

FPWMP · Put your knowledge to work in context.

The Financial Planning Wellness and Management Professional (FPWMP) credential is a practice-oriented certification for people who advise households on money decisions and want to demonstrate competence across the full planning lifecycle. It suits early- and mid-career financial planners, bank and credit-union advisors, employee-benefit and wellness-program coordinators, and paraplanners moving into client-facing roles. The FPWMP case studies are 5 cases and about 5,677 words.

The Undisclosed $89,400: Data Integrity, Scope, and a Lender Letter

Priya and Daniel, both 54, retained you in March under a flat-fee engagement letter limited to retirement projection and investment allocation for 5,200. Daniel manages the household finances.

1,035 words, about 5 min 2

The 24-Month Own-Occupation Cliff: Quantifying a Disability and Life Gap

Okafor, 41, is the sole owner and lead periodontist of a practice. He pays himself 135,000 of W-2 salary from the S corporation and takes roughly 145,000 of K-1 distributions, plus a production bonus that has ranged from 25,000 to 60,000 annually.

1,082 words, about 5 min 3

Fifty-Four Percent in One Ticker: Diversifying Without Triggering a $253,000 Tax Bill

Marcus, 52, is a chief technology officer at a publicly traded company. Of 2.6M in liquid net worth, 1.4M is company stock, half vested RSUs and half ESPP shares, with an aggregate basis of 520,000.

1,148 words, about 6 min 4

Two Pensions, Two Social Security Records, and a Widow's Penalty

Alan, 63, and Beth, 60, are married and both still working part time. Alan's Social Security primary insurance amount at his full retirement age of 67 is 3,120 a month.

1,239 words, about 6 min 5

Referral Fees, a $18,000 Annuity Commission, and a $200,000 Wire

You own a state-registered advisory firm with 85M under management, charging 0.85%, and you also hold a life insurance license. Three situations land in the same week.

1,173 words, about 6 min