25.Determine the strategy a Financial Planner should recommend to a client who is seeking to reduce her average tax rate.

1. Payoff mortgage debt
2. Obtain an investment loan
3. Contribute to a TFSA
4. Contribute to an RRSP

33.Types of personal installment loans include:

1. Debt consolidation loan
2. Car loan
3. Investment loan
4. All of the above
5. a & b

52.Tax deductions include:

1. RRSP contributions
2. Annual union dues
3. Childcare expenses
4. All of the above
5. a & c