CFP Module 4 case studies
CFP Module 4 · Put your knowledge to work in context.
The Certified Financial Planner (CFP™) designation appears on the CISI's membership pathway as a professional credential for financial planning practitioners. The CISI describes itself as a financial services professional body and invites candidates to join over 54,000 CISI members worldwide, so the CFP™ sits within a wider membership, qualifications and continuing professional development (CPD) framework rather than standing alone. The CFP Module 4 case studies are 5 cases and about 3,797 words.
1Dual-Income Couple With Competing Goals and Thin Reserves
Maria and Dev, both 39, have combined gross income of 186,000 and take-home pay of 9,400 per month. Their balance sheet shows 14,000 in checking/savings, 62,000 in 401(k)s, 28,000 in a brokerage account, a 310,000 mortgage at 6.25% with 27 years remaining, 36,000 in federal student loans at 5.4%, and 19,000 on a credit card at 22.9%.
781 words, about 4 min2Executive With Concentrated Employer Stock and Charitable Intent
Alan, 58, is a division president at a publicly traded company. His portfolio is 2.25 million: 1.40 million in employer stock with a cost basis of 180,000, 420,000 in a diversified 401(k), 300,000 in a taxable brokerage account, and 130,000 in cash.
730 words, about 4 min3Pension Election and Social Security Timing for a Retired Couple
Ken, 64, and Lisa, 62, are both retired from paid work but not yet claiming Social Security. Ken's pension offers either a 620,000 lump sum or a 3,400 per month joint-and-100% survivor annuity beginning now.
771 words, about 4 min4Business Owner With a Blended Family and No Buy-Sell Agreement
Priya, 61, owns 100% of a successful specialty manufacturing S corporation valued at 4.8 million. She is married to Raj, 58, and has two children from her first marriage, ages 28 and 25, plus Raj's two children from his first marriage.
809 words, about 4 min5Teacher Receiving an Inheritance and Considering a Rental Property
Daniel, 42, is a high school teacher earning 78,000. He recently inherited 850,000 after tax from his grandmother.
706 words, about 4 min