RFP Philippines study plan

Map the six-step financial planning process to a single sample client engagement, writing out each step's inputs and outputs

Compute time-weighted and money-weighted returns for a three-year portfolio series and explain in writing why they diverge

Build a one-page table of Philippine investment vehicles (RTBs, retail treasury bonds, UITF/mutual funds, VUL, PERA, time deposits) with tax treatment, liquidity, and minimum ticket size

Draft a 20-question self-test on risk-return concepts and score at least 16/20 before moving on

Calculate after-tax real returns for at least five instruments using Philippine tax rates and a stated inflation assumption

Assemble a model portfolio for a hypothetical 35-year-old client using asset allocation percentages, and justify each allocation in three sentences

Build a monthly cash-flow statement template and apply it to a sample household, identifying three leakages

Explain in writing how peso-cost averaging differs from lump-sum investing and when each suits a Filipino saver

Compute debt-service ratios and classify a sample borrower's obligations as healthy, stretched, or distressed

Compare amortization schedules for a housing loan under fixed and repricing periods, showing total interest paid for each

Estimate education funding needs for a child entering college in 12 years using a stated tuition inflation rate and compute the monthly saving required

Identify the four life-cycle risk exposures for a sample family and match each to an insurance or self-insurance response

Distinguish term, whole life, endowment, and VUL products on cost structure, cash value, and suitability, and write a 150-word client-facing comparison

Calculate a life insurance need using both the human life value and needs-analysis methods and reconcile the gap

Compute retirement funding need using present value of a desired monthly income, a stated inflation rate, and a pre- and post-retirement return assumption

List the features of SSS, GSIS, and PERA as retirement building blocks and note how each affects the funding gap

Classify ten sample income items by taxability under Philippine individual income tax rules, including compensation, business, passive, and exempt items

Compute taxable income and tax due for a sample self-employed client using the optional standard deduction and itemized deductions, and state which is better

Outline the estate settlement process: gross estate, allowable deductions, estate tax, and the timetable for filing and payment

Explain in writing how intestate succession distributes a sample estate among a surviving spouse and children

Compare the retirement, health, and death benefit components of a typical Philippine employer package and state the tax treatment of each

Identify the planning needs unique to a business owner: business valuation, key-person risk, buy-sell funding, and separation of personal and business assets

Write a sample engagement letter and scope-of-services document that defines deliverables, fees, and limits of the planner's role

List the information a planner must gather at intake and design a client data-gathering form covering all nine domains

State the core ethical duties of a financial planner and apply them to three written dilemmas, resolving each with a stated rationale

Identify conflicts of interest in commission-based versus fee-based compensation and describe the required disclosure for each

Explain the standards for competence, confidentiality, and client information handling in a planning practice

Draft a one-page client communication protocol covering disclosure, documentation, and follow-up

Assemble a full written financial plan for one hypothetical client covering all nine domains, with recommendations tied to computed figures

Complete two timed 60-question mixed-domain practice sets and score at least 75% on each

Review every missed item from the practice sets and write the correct rule or formula for each in a personal error log

Recite from memory the key formulas: future value, present value of annuity, real return, insurance needs, and retirement corpus