A number of years ago Ron was divorced and subsequently had severe financial issues.

‘Two years ago, he filed for bankruptcy. After getting back on his feet financially, he decided to become a CFP® professional. Today, he made his application to CFP Board for certification. Which of the following is correct under the Board’s policy regarding bankruptcy?

a. Ron's bankruptcy falls on the presumed unacceptable list because it is within five years preceding his application. He will be denied the right to use the marks unless he files a successful consideration request with the CFP Board.

b. Ron's bankruptcy falls on the always bar list because it is within five years preceding his application. He will be denied the right to use the marks.

c. Ron's bankruptcy is no longer a concern of the CFP Board as long as he discloses it in writing to all potential clients for the five year period following the bankruptcy.

d. Ron’s bankruptcy will not prevent him from becoming a CFP®

professional, but it will be disclosed on the CFP® professional’s public profile displayed on the CFP Board’s website for 10 years.