CFP Study Guide 2026
Everything you need to pass the CFP exam in one place: the exam format, every topic to study, real practice questions with explanations, flashcards, and full-length practice tests. Free, no sign-up needed.
📋 CFP Exam Format at a Glance
📚 CFP Topics to Study (61)
✍️ Sample CFP Questions & Answers
1. What happens to stroke volume during moderate-intensity aerobic exercise in a trained individual?
Trained individuals show increased stroke volume during moderate exercise due to greater venous return, ventricular preload, and myocardial contractility.
2. Which federal law governs the privacy of health information held by covered entities such as fitness facilities that handle medical records?
HIPAA (Health Insurance Portability and Accountability Act) governs the privacy and security of individually identifiable health information.
3. Which data visualization format is MOST effective when showing a client their heart rate zone distribution over a 4-week training block?
A stacked bar chart allows the client to see both the distribution across zones and changes in zone allocation week over week within a single visualization.
4. Which of the following statements about Monte Carlo simulation in financial planning is MOST accurate?
Monte Carlo simulation uses random sampling across thousands of scenarios to model the probability that a financial plan will succeed under varying market conditions.
5. A fitness facility's emergency action plan (EAP) is relevant to regulatory compliance primarily because:
OSHA standards and many state health department regulations require businesses to have documented emergency action plans covering injury, cardiac events, and evacuation.
6. When preparing a financial plan presentation for a married couple with conflicting financial priorities, what should a CFP professional do FIRST?
Understanding each spouse's individual priorities before joint meetings helps the planner facilitate a balanced plan that addresses both perspectives.