Certified Financial Planner (CFP) Exam 2026 – 400 Free Practice Questions to Pass the Exam

The obligation of a CFP® professional when recommending financial strategies is to act in the best interest of the client. This fiduciary duty is a fundamental principle of the profession and underscores the responsibility to prioritize the client's needs and goals above their own interests or any third-party interests.

Acting in the best interest of the client means that the CFP® professional must consider the unique financial situation, risk tolerance, and long-term objectives of the client when making recommendations. This ethical standard encompasses providing thorough, tailored advice that is appropriate for the client's specific circumstances.

The other options misinterpret the role of a financial planner. For example, providing aggressive investment options may not align with every client's risk tolerance or financial goals, and ensuring high client profits does not account for the variability and uncertainty inherent in investments. Involving other professionals can be beneficial in some contexts, but it is not a primary obligation of the CFP® professional when making financial recommendations; their foremost duty remains the client's best interest.