Susan attended an accounting class in college and is now an insurance agent. A person to whom she recommended implementing a split annuity concept is concerned about the tax implications. what should Susan ethically do in this case? 

A. refer the prospect to a competent tax professional 

B. answer the prospect the concern based on her knowledge of accounting 

C. explain that the concept has been endorsed by the federal government 

D. avoid the prospects concerns and emphasize the client benefits associated with the concept