Certified Financial Planner practice by topic

• General Principles — 87 free questions
• Retirement — 58 free questions
• Investment Planning — 52 free questions
• Professional Conduct — 51 free questions
• Tax Planning — 49 free questions
• Risk Management — 41 free questions
• Estate Planning — 40 free questions
• Psychology — 28 free questions

How do I study for the CFP exam?

Treat it as integrated planning judgment, not siloed product trivia. Drill retirement, tax, estate, and insurance together, then confirm every dollar figure against the current Parameter Lock. KomFi gives you 2,000 Certified Financial Planner practice questions with full explanations, 500 flashcards, a curated glossary, and the KomFi 2026 CFP treatise in the vault.

How hard is the CFP exam?

It is a long case-style exam. Candidates who pass usually connect domains under time pressure and avoid stale-law traps on contribution limits, RMD ages, and transfer-tax exclusions.

Where can I find free CFP practice questions?

KomFi publishes free Certified Financial Planner practice here. Basic includes 50 questions every 2 weeks with explanations; Pro unlocks the full bank, flashcards, and simulations. KomFi Academy is independent and not affiliated with or endorsed by CFP Board. CFP® is a registered trademark of Certified Financial Planner Board of Standards, Inc.

Free Certified Financial Planner practice questions

1. What percentage of the conversion will be subject to ordinary income tax?
2. Which stage of the Transtheoretical Model best describes the Ainsleys?
3. What is their maximum Section 199A deduction?
4. For 2026, what is the maximum amount Ainsley can transfer directly to a public charity while satisfying her Re
5. What amount of gain is excluded from tax under Section 121?
6. What is the niece's recognized gain or loss for tax purposes?
7. What is his QBI deduction for 2026?
8. If they convert $20,000 to a Roth IRA in 2026, how much of that conversion is taxable?
9. If the stock returns 9% annually and the grantor survives the term, what passes to the remainder beneficiaries
10. According to the CFP Mindset decision hierarchy, what should the planner's next step be?
11. If Keene claims a spousal benefit instead, what is the maximum amount she can receive based on Lindstrom's rec
12. Fenwick owns a non-qualified deferred annuity with a current… — What is the tax result of this exchange under
13. If Okada dies and leaves his entire $20,000,000 estate to Solis, how much of the transfer qualifies for the un
14. According to the CFP Mindset hierarchy, what is the correct action?
15. The Ainsley ILIT is designed to ensure contributions qualify… — What is the technical term for this drafting d
16. What amount of the withdrawal right will 'hang' and remain exercisable by James at the end of the year?
17. If Chloe dies today, how much of the trust's value is included in her gross estate?
18. Chloe Ainsley is 12 years old. Her parents fund an ILIT with… — Does this lapse consume any of Chloe's15,000,0
19. The Ainsleys want to know if they can give James a Crummey p… — How much of this gift qualifies for the 2026 a
20. If Keene pays the university directly, what is the impact on his 2026 gift tax annual exclusion and lifetime b
21. The Keene family includes a daughter who is a key employee a… — Based on Section 79, how much of this coverage
22. Following the CFP Board's Financial Planning Practice Standards, which action should the planner take first?
23. Which statement is true regarding their 2026 IRA contributions?
24. After debts and administration expenses of 500,000 and a 500,000 bequest to a charity, what is the federal est
25. Which Rank of the Decision Hierarchy should the planner apply to determine the scope of the engagement?