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yes, this is a step in the right direction for the FPA, change the program to a technical program and increase the difficulty. it should be tested in parts then a final capstone integrative :

1. Retirement Planning - 3 hours Exam 100% technical

2. Investment Planning - 3-hour Exam

3. Risk Management and Insurance - 3 hour exam

4. Estate Planning - 3-hour exam

5. Taxation - 3 Hour exam

6. CFP - Integrative Case Study Combining all 5 exam topic areas

Let's make it Brutal. this is the only way we can rebuild trust in the community. It has to be a brutal, and harder exam than any other exam out there to win public trust.

we can relax after we get a 99% satisfaction rating from consumers and AFCA is out of business.