A CFP® professional may disclose a client’s personal identif…

A CFP® professional may disclose a client’s personal identifiable information without the specific consent of the client if: It is in response to proper legal process. It is to defend against charges of wrongdoing by the CFP® It is in connection with a civil dispute between the CFP® professional and the client. It is in response to a request from the Internal Revenue Service.

Cathy and her twin sister Carley, both age 25, each believe…

Cathy and her twin sister Carley, both age 25, each believe they have the superior savings plan. Cathy saved $5,000 at the end of each year for ten years then let her money grow for 30 years. Carley on the other hand waited 10 years then began saving $5,000 at the end of each year for 30 years. They both earned 9% on their investment and are 65 years old today and ready to retire. Which of the following statements is correct?