Which of the following is the MOST useful tool for risk profiling? a. A questionnaire completed by the client, b. A list of client's income and expenses. C. A bank check on the client. d. A check on client's credit report. e. A face-to-face meeting with the client. Which of the following is NOT a good reason to borrow money? A source of emergency funds. b. To buy assets that provide long-term capital appreciation. c. You expect asset prices will fall in the future, d. A means to increase your consumption benefits. e. For shopping convenience. The wealth manager of a divorced man of 55 years old should probably focus on making recommendation for : 1. Investment planning II. Retirement planning III. Health insurance planning IV. Life insurance planning Estate planning V. a. II, III and V. b. I, II and III. CI, IV and V. d. II, IV and V. e. III, IV and V