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Clear lessons follow the published blueprint and keep the source beside the rule.
Certified Financial Planner Board of Standards, Inc. (CFP Board)
CFP Exam Full Exam Prep
1,700questions in the bank
5timed mock exams
8 of 8syllabus topics covered
The financial-planner credential. A real career gate - people spend a year or more on the coursework before they are allowed to sit.
Free account needed. Sign in to open the first topic.
Built around the published syllabus
Every lesson and question maps to the CFP Exam syllabus, so your study time follows the topics the examiner says can be tested.
Every answer names its source
Each explanation cites the provision it rests on, so you can go and read the rule rather than take our word for it.
Weighted like the real paper
The number of questions per topic follows the published exam blueprint, not our guess at it.
Exam format
The practical details to plan your sitting and timed practice.
- Questions
- 170
- Time
- 6 hours
- Scoring
- Pass or fail iPass or fail. CFP Board publishes no pass mark and no scaled-score threshold. The 64-67% figure often quoted is the pass RATE - the share of candidates who pass - which is a different thing.
- Format
- Multiple choice · Case studies · Closed book iMultiple choice, computer-based, closed book. Two three-hour sessions of 85 questions, with stand-alone questions, short scenarios and case studies
- Languages
- English
The study flow
See what studying with Sitonce looks like
Learn the syllabus, practice each topic, sit a realistic paper and turn every mistake into the next thing to study.
Practice with explanations
Topic questions show why the answer works and why the alternatives fail.
Rehearse the real paper
Full timed papers use a separate question pool and the published format.
Turn mistakes into a plan
Weak topics, flagged questions and worked answers become a focused review list.
What you get
USD 349 for 12 months. Everything needed to learn, practice, simulate the paper and review weak areas.
The syllabus, taught
Every examinable topic, with sources beside the rules that matter.
Questions to drill
Topic practice that follows each lesson and exposes weak areas.
Full mock papers
170 questions in 360 minutes, using a separate question pool.
Worked review notes
The answer, the reasoning, why the alternatives fail, and the source.
Printable documents
The study guide and every mock paper, ready for paper.
A plan built round your date
Your study order and readiness update around the date you plan to sit.
Printable study kit
Keep the full course on paper
6 documents built for printing, annotation and timed practice away from the screen.
Every topic, and how heavily it is examined All 8 covered, with each topic's share of the 170 questions on the real paper
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1
31 q
Retirement Savings and Income Planning
Retirement needs analysis · Social Security and Medicare · Qualified plans - types and rules · IRAs, SEP and SIMPLE · Distribution rules, RMDs and the early-distribution penalty · Plan selection for a business owner · Retirement income strategies and sequence risk
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2
29 q
Investment Planning
Risk, return and the risk measures · Time value of money applications · Asset classes and vehicles · Portfolio theory and diversification · Asset allocation and rebalancing · Investment strategies and styles · Performance measurement and attribution · Taxation of investment vehicles
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3
25 q
General Principles of Financial Planning
The financial planning process · Financial statements and cash flow · Budgeting and emergency fund · Debt management · Financing strategies · Economic concepts · Time value of money · Education planning and funding
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4
24 q
Tax Planning
Fundamental tax law and the calculation of income tax · Characteristics and income taxation of business entities · Basis and the step-up at death · Capital gains and losses · Tax reduction and management techniques · Alternative minimum tax · Tax consequences of property transactions · Charitable contributions and deductions
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5
19 q
Risk Management and Insurance Planning
Principles of risk and insurance · Analysis and evaluation of risk exposures · Health, disability and long-term care insurance · Life insurance - types, uses and taxation · Property and casualty insurance · Annuities · Insurance needs analysis · Business uses of insurance
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6
17 q
Estate Planning
Property titling and beneficiary designations · Wills, probate and intestacy · Trusts - types and uses · Gift and estate tax · Marital and charitable deductions · Incapacity planning · Business succession · Estate planning for non-traditional relationships
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7
13 q
Professional Conduct and Regulation
CFP Board Code of Ethics and Standards of Conduct · The fiduciary duty and when it applies · CFP Board's disciplinary process · Financial services regulation and licensing · Investment Advisers Act and adviser registration · Consumer protection and privacy
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8
12 q
Psychology of Financial Planning
Client and planner attitudes, values and biases · Behavioural finance and cognitive biases · Sources of money conflict · Principles of counselling and communication · Crisis events with severe consequences · Client money scripts and resistance to change
Try it before you decide
1
Try the first topic
Read up to five subtopics from the real course and answer the questions that follow them. Free account required.
Open the free lesson
2
One full mock, free
170 questions, 360 minutes, with a raw practice score and worked explanations.
Sit a free mock
3
Continue through the whole exam
Unlock every lesson, practice question, worked explanation, mock paper and printable document.
Before you buy
Is this everything I need, or do I still need the official material?
Yes. The course is designed to take you from the published syllabus through lessons, practice, worked explanations, timed mock papers and final review without needing another study product. It covers all 8 topics and includes 1,700 questions. Sitonce is independent of the bodies that administer and accredit this exam, so you should still use their official websites for registration rules, appointment details and official updates.
Where do the answers come from?
Every explanation names the provision it rests on and quotes it where quoting is allowed, so you can go and read the rule. Where we have not been able to put the underlying text in front of you, the page says so rather than implying a source it does not have.
How long will I need?
Our estimate for this paper is about 240 hours - 2 hours a day for 17 weeks. That is our estimate, not an official figure. Tell us your exam date when you start and the plan, the reminders and the readiness score are all worked back from it.
Can I see it before I pay?
Yes. With a free account, you can read five subtopics from the first lesson, preview the study guide and try one complete 170-question mock paper. The full course adds every lesson, the complete practice bank, worked explanations, 4 more mock papers and the printable study kit.
What happens if I fail?
Your access runs 12 months, which covers a resit; another sitting may cost USD 925. The final-review screen orders what you got wrong by what each mistake costs on the paper, which is where a second attempt should start.
Can I get a refund?
Full refund within 7 days if no more than 20% of paid lessons and practice are used, no paid study guide is downloaded, and no more than one paid mock is started.
CFP Exam · USD 349 for 12 months
The first lesson is free with an account.