CFP Module 2 case studies
CFP Module 2 · Put your knowledge to work in context.
The CISI Certified Financial Planner (CFP™) designation sits within the Chartered Institute for Securities & Investment's membership and qualification framework, listed on the CISI site alongside the Statement of Professional Standing (SPS) and the institute's professional forums. The CISI describes itself as a professional body with over 54,000 members worldwide and a heritage that includes the Financial Services Institute of Australasia (FINSIA), whose presidential lineage the site traces across 135+ years. The CFP Module 2 case studies are 5 cases and about 3,517 words.
1Mortgage Prepayment, College Funding, and a Parent Contingency
Mei and Daniel, both 52, have combined gross income of 185,000. Their balance sheet shows a 420,000 mortgage at 5.2% with 22 years remaining, 610,000 in 401(k)s, 95,000 in a taxable brokerage account, and 18,000 in a savings account.
744 words, about 4 min2Sequence Risk, Buckets, and Longevity Insurance at Retirement
At 64, Priya plans to retire in 12 months. Her 1.4 million portfolio is 70% global equities, 25% investment-grade bonds, and 5% cash.
656 words, about 3 min3Teacher Pension Election, Survivor Protection, and Roth Conversion Window
Luis, 58, is a public school teacher with 28 years of service and a final average salary of 92,000. His defined-benefit plan formula is 2.2% × years × final average salary, and he can retire at 60 with 30 years.
714 words, about 4 min4Special Needs, Creditor Protection, and State Estate Tax in a Blended Beneficiary Plan
Ruth, 78, is widowed with a 3.8 million estate: a 900,000 home, a 1.2 million traditional IRA, 1.1 million in a taxable brokerage account, and 600,000 of life insurance. Her will divides everything equally among three adult children.
729 words, about 4 min5Self-Employed Retirement Plan Choice, Passive Losses, and Backdoor Roth
Sam, 45, is a married filing jointly consultant with 280,000 of net self-employment income. His spouse has no earned income.
674 words, about 3 min