【FP1級実技試験対策NO.3】FP1級実技試験（きんざい面接）の対策動画です。PART1の出題・解答パターンを解説しています。

Summary

This video provides essential insights into preparing for the FPQ (Financial Planner Qualification) exam, focusing on Part 1, which covers inheritance and business succession planning. The speaker breaks down key topics such as asset management, tax strategies, and succession planning methods. Emphasis is placed on common consultation issues like estate taxes, asset distribution, and legal disputes. Additionally, the video discusses ethical principles for financial planners, including client interest prioritization, confidentiality, and ongoing professional development. Viewers are encouraged to prepare by understanding both technical solutions and ethical considerations in financial advising.

Takeaways

• 😀 Part 1 of the FPQ exam focuses on inheritance and business succession, with key consultation points like asset distribution, tax implications, and managing disputes among heirs.
• 😀 Financial planners should propose solutions that include legal documentation like wills, trust funds, and life insurance to reduce tax burdens and manage asset transfer effectively.
• 😀 Common issues in business succession include high inheritance taxes, unresolved conflicts among heirs, and the need for preparing liquidity for tax payments.
• 😀 Key tax strategies for business succession include utilizing exemptions, tax-efficient asset transfer methods, and succession planning to minimize the inheritance tax impact.
• 😀 Clients often seek advice on ensuring fair inheritance distribution, especially when there are family disagreements or when they want to avoid legal complications.
• 😀 Professional ethics in financial planning are critical. Key principles include prioritizing client interests, maintaining confidentiality, and ensuring informed consent throughout the planning process.
• 😀 Ethical considerations may be tested in the exam, where you will need to justify the importance of principles such as compliance, client’s best interests, and professional competence.
• 😀 The exam requires familiarity with specific financial products and strategies, such as life insurance for inheritance tax payment and using various tax laws for estate planning.
• 😀 When preparing for inheritance issues, planners should address not only the asset distribution but also anticipate the client’s emotional concerns and family dynamics to ensure smooth succession.
• 😀 Financial planners should always have multiple solutions to propose in exams, ready to provide nuanced responses to questions that probe further into ethical or financial scenarios.
• 😀 A critical component of the FPQ exam is demonstrating both financial knowledge (tax strategies, asset transfer) and strong professional ethics (client interest, compliance, and confidentiality).

Q & A

What is the focus of the channel mentioned in the script?

The channel is aimed at individuals preparing for the FPQ (financial planning qualification) exam, providing guidance and insights to help pass the exam.

What are the main topics discussed in Part 1 of the exam, according to the script?

Part 1 focuses on inheritance and business succession issues, particularly challenges related to asset division, tax planning, and ensuring smooth asset transfer to heirs.

What are the four key points typically addressed in inheritance and business succession problems in the exam?

The four key points are: 1) Consulting on asset division issues (real estate, stocks, etc.), 2) Ensuring an amicable inheritance distribution, 3) Preparing for inheritance taxes, and 4) Considering the professional ethical responsibilities of financial planners.

What are some of the common problems in inheritance planning that the script mentions?

Common problems include scattered stocks, high property evaluations, lack of wills, and challenges in asset distribution due to improper planning or failure to account for legal provisions like inheritance portions.

How can inheritance tax issues be mitigated, based on the script's advice?

Inheritance tax can be reduced by strategies like creating wills, transferring stock, making use of business succession tax exemptions, and utilizing life insurance or gift strategies to reduce the taxable estate.

What role does life insurance play in inheritance planning as described in the script?

Life insurance plays a crucial role in preparing for inheritance taxes by providing liquidity to pay taxes without needing to sell assets, and it can also help support heirs by providing financial security.

What is the importance of ethical considerations for financial planners in the context of this exam?

Ethical considerations, such as prioritizing client interests, maintaining confidentiality, and adhering to compliance, are essential for financial planners to ensure professional integrity and proper decision-making.

What are the six key ethical principles mentioned for financial planners in the script?

The six key ethical principles are: 1) Prioritizing client interests, 2) Confidentiality, 3) Compliance, 4) Informed consent, 5) Continuous professional development, and 6) Upholding client-centric values in all decisions.

How can a financial planner ensure the ethical guidelines are followed during the exam?

A financial planner can ensure they follow ethical guidelines by memorizing the six principles, preparing flexible responses for different ethical questions, and always justifying their choices with clear reasoning during the exam.

What preparation strategies does the script recommend for tackling inheritance and business succession problems in the exam?

The script recommends studying specific strategies like the use of life insurance, business succession tax regulations, and tax-saving techniques such as asset transfers, wills, and gift planning. Additionally, having a clear understanding of potential ethical dilemmas is important.