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true? 1. Which of the following statements about the financial planning pyramid is/are I Insurance and wills are at the base of the pyramid II Independence requires a goal of debt elimination and an established emergency III IV fund Even conservative investors should invest in commodities and derivatives Only aggressive investors should invest in stocks and mutual funds a) I, II, and III b) III and IV c) I and II d) I only 2. The following represents desirable objectives for a financial plan except: a) it covers necessities b) it is designed primarily to minimize taxes c) it accommodates lifestyle and income changes d) it is not intimidating 3. Which of the following statements best describes a fiduciary relationship? a) they are agent-principal relationships where the principal is vulnerable & the agent has greater expertise or authority b) they are agent-principle relationships where the agent is vulnerable & the principal has greater authority or expertise c) they are agent-principal relationships where the principal needs the moral & ethical guidance of the agent d) they are agent-principal relationships where the agent needs the moral & ethical guidance of the principal 4. What are the two components of a trust relationship between advisor & client? a) Trust in the advisor's knowledge & skill b) Trust in the advisor's competence & integrity c) Trust in the advisor's honesty & judgment d) Trust in the advisor's knowledge & disclosure stage should 5. According to the life cycle hypothesis, investors in the primarily focus on the investment objective of a) early earning years; growth b) peak earning years; tax minimization c) mid earning years; income d) retirement years; tax and liquidity