1) Sandra is meeting with a potential client. This client is in her 80s and asks Sandra about her experience with clients in her age bracket. Without sharing Joseph's name, Sandra discusses the returns she was able to generate for Joseph over the last year. Has Sandra violated any principles?

No, since Sandra did not disclose Joseph's name to the potential client.

Yes, Sandra violated the principle of integrity because her claim is misleading.

Yes, Sandra violated the principle of confidentiality because she discussed Joseph's returns.

Yes, Sandra violated the principle of diligence because she did not disclose the specific investments that generated Joseph's returns.

2) Sandra brags to her colleague John, also a CFP professional, that she has benefited from Edward's stock tips. Over lunch, she provides details on the individual renewable energy IPOs that she has invested in. John researches the companies and sees that Edward has indeed brought these companies to market. What obligations, if any does John have under the FP Standards of Professional Responsibility rules?

He must maintain Sandra's confidentiality.

He must inform his employer.

He must report Sandra's conduct to the FP Standards Council.

He must inform the research department that their recommendation was incorrect.

3) If an adult child has a power of attorney or trading authorization over a senior's account, to whom does a certificant have a suitability obligation?

Only the senior

Only the trading agent

Both the senior and the trading agent

The senior's family