John is a CFP professional and is engaged in the financial planning process with his client Frank. John is in the data gathering process and has collected bank statements, insurance policies, estate documents, and all other relevant information with the exception of tax returns. Frank refuses to supply the tax returns or any documents that support his income claims. Johns best course of action is to?

		a. The CFP Boards Standards of Professional Conduct require John to disengage from the client until such time Frank is willing to supply tax returns or other documents to support his income.
		b. If John suspects that Frank is evading taxes or under reporting his income, John is required by the Standards of Professional Conduct to report his suspicions to the appropriate regulatory authorities.
		c. John should contact the IRS and request a copy of tax returns for the past three years, with or without the consent of the client.
		d. John may limit the scope of the engagement to recommendations for which he has sufficient and relevant information or disengage from the client.