Jeffrey H. Rattiner 
Rattiner’s Review for the CFP(R) Certification Examination, Fast Track, Study Guide 

The proven CFP Study Guide that delivers just what you need to
succeed!

A quick-study guide for candidates preparing to take the CFP
Certification Examination, Rattiner’s Review for the CFP®
Certification Examination distills the bare-bones essentials
you need to know to pass this challenging exam, all in a logical
and easy-to-absorb manner.

This indispensable study tool for students who have already been
through traditional CFP educational programming–and just need
a little extra help pulling it all together–provides a
no-nonsense approach to studying for some of the most important
disciplines of financial planning, including: PFP, insurance,
employee benefit, investments, income tax, retirement, and estate
planning. Each discipline contains short and concise statements
emphasizing key points through mnemonic devices, study tips, and
other established test-taking methods that provide helpful
hints.

Rattiner’s Review for the CFP® Certification
Examination, Third Edition has been thoroughly updated to
include:

* Reviews from recent CFP Exam students who compare the CFP Board
curriculum to this Third Edition, ensuring that all topics are
covered adequately

* New, easy-to-follow flowcharts at the beginning of each chapter
highlight the macro level perspective of each subject
discipline

* Basic calculator keystrokes for investment math, retirement,
life, and education needs analysis, and other important
calculations

* New multiple-choice questions as well as new charts and tables
for quick memorizations

* New acronyms to help put things into a simplified perspective
and help students tie back to the big picture flowchart

Perfect as a quick-reference guide to complement all CFP texts
and self-study materials, it also serves as an important one-stop
resource for financial services professionals who want information
in a hurry.

Stay organized, on track, and focused with Rattiner’s Review
for the CFP® Certification Examination, Third Edition.

Table of Content

Acknowledgments v

Chapter 1 General Principles of Financial Planning 1

Chapter 2 Insurance Planning and Risk Management 55

Chapter 3 Employee Benefits Planning 115

Chapter 4 Investment Planning 141

Chapter 5 Income Tax Planning 211

Chapter 6 Retirement Planning 283

Chapter 7 Estate Planning 353

Index 445

About the author

JEFFREY H. RATTINER, a leader in the Certified Financial Planning field, is a provider of CFP training courses and author of eight books on CFP, including the bestseller Getting Started as a Financial Planner, published by Bloomberg. Rattiner is a recognizable name in the financial industry whose live training program, ‘Rattiner’s Financial Planning Fast Track’, is one of the leading full- course CFP exam training, nationwide. He works with many large financial services organizations, is a frequent industry speaker, has been named to the CPA All-Stars in Personal Financial Planning as reported in CPA Magazine, and has been quoted in many trade and consumer publications.