hard · Certified Financial Planner Retirement

Novak, a CFP® professional, is meeting with a client who has just inherited a $2,000,000 brokerage account. The client is eager to immediately move the entire balance into a diversified portfolio of aggressive growth stocks to maximize future wealth.

According to the Mindset Hierarchy, what is Novak's most appropriate next step?

  1. Decline the request until the client provides written disclosure of all related party conflicts.
  2. Gather additional qualitative and quantitative data regarding the client's current assets and goals.
  3. Implement the aggressive growth portfolio as requested to fulfill the duty to follow client instructions.
  4. Identify the binding tax constraint of the inherited account's basis step-up first.

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