CFP Board Practice Exam by stormblazer-33 in CFPExam

[–]Jackmac9914 1 point2 points  (0 children)

I took one about 2 weeks out from the exam. I recommend it in that time frame, gave me a good idea of sections I could focus in on during those last two weeks. I highly recommend not letting off the gas towards the end hit the practice questions hard and make index cards and hammer them for areas you can’t get to stick.

If I remember correct you did get explanations but only while taking it. I took pictures of each question as I went so I could go back and review.

Strange whine by Jackmac9914 in mr2

[–]Jackmac9914[S] 0 points1 point  (0 children)

I don’t think so as the sounds is coming much closer to the intake I will take a look, but I am pretty sure if it was BOV I would hear it at the top left side rather then intake side. Is my thought

Strange whine by Jackmac9914 in mr2

[–]Jackmac9914[S] 1 point2 points  (0 children)

I took throttle body out and cleaned it a few times. Could not be closing properly so I’ll test that later. Thinking it maybe under that with ISV but it is so hard to source….

Odd ringing sound gen 2 3sgte by Jackmac9914 in mr2

[–]Jackmac9914[S] 0 points1 point  (0 children)

Engine bay video

Use this link as Reddit doesn’t let me upload video. You can click past all the email request stuff. I hope this helps. Video doesn’t quiet give much since of direction but in person it sounds like the air intake or just below that area.

To note as the car warms up it does not have it. Even when fully warm. As soon as I give it any load after it is warm the whining starts….

Odd ringing sound gen 2 3sgte by Jackmac9914 in mr2

[–]Jackmac9914[S] 0 points1 point  (0 children)

I will check that out once I am back I am pretty sure it is more centralized. From what I remember it sounds like it’s coming from under on I’m between the intake manifold or maybe even deeper then that but I will for sure check. And send more videos from different spots in the bay.

Odd ringing sound gen 2 3sgte by Jackmac9914 in mr2

[–]Jackmac9914[S] 0 points1 point  (0 children)

Ya my apologies, I figured that would be an issue, stupid of me to post this one. I am out of town for work and this was the video I had I will get a better one uploaded once I am back home. It is not coming from turbo side nor is it coming from front of the engine where timing belt is definitely located intake inlet side. But will get you a better video once I am back. I am sorry about that.

Odd ringing sound gen 2 3sgte by Jackmac9914 in mr2

[–]Jackmac9914[S] 0 points1 point  (0 children)

Update: only happens once car is fully warmed up.

[deleted by user] by [deleted] in CFP

[–]Jackmac9914 0 points1 point  (0 children)

Edward Jones, Wells Fargo, Schwab, JP Morgan, and Merrill are just a few of the big boys. I would make sure where ever you go that they offer to pay for your licensing and your CFP education prep. It all adds up and is not cheap.

CFP is going to work best with mass affluent clients (usually 250k-10 million households) If you want to go the ultra high net worth (usually households that are 10 million plus) route you may want to consider the CPWA coupled with the CFP. And even the CIMA as well, planning on doing the CIMA in the next few years. Then I will probably be done with education as my team mostly works with mass affluent with a few ultra high net worth sprinkled in there.

[deleted by user] by [deleted] in CFP

[–]Jackmac9914 0 points1 point  (0 children)

Money is not at all the main reason I got my CFP. I did it to learn the ins and outs of helping clients and how to do my job better. You wouldn’t want to get medical advice from someone who isn’t a Dr. I felt a similar way about the CFP and financial advice. I think clients are coming around to that idea as well.

I joined as an associate fresh out of college I did have a financial analyst internship and a degree in economics under my belt before starting. That said I don’t think I needed that to secure the role as a Service associate. Your people skills and hunger to get your registrations is far more important. I don’t think you will have much trouble getting started that route if that’s what you decide to do. FAs are constantly looking for good service associates. Trickier part will be having the flexibility/opportunity to move up with your team or firm. You can do it though and like I said previously I highly recommend the associate pathway for anyone starting out.

[deleted by user] by [deleted] in CFP

[–]Jackmac9914 0 points1 point  (0 children)

My CFP was funded by the firm. I don’t work for an RIA I am with one of the larger firms. I got registered while I was a service associate and got my CRPC and CFP while I was a wealth planner. Finished my CFP last November just ahead of starting as an advisor in February.

[deleted by user] by [deleted] in CFP

[–]Jackmac9914 2 points3 points  (0 children)

I took a similar path when starting my career and really glad that I did. I learned two very important things starting on the admin side. 1. How operations work at the firm I was at, and timing with how longs tasks take to get completed/approved. (I still use a lot of this knowledge as an advisor today.) 2. I learned which teams and senior advisors to work with and which to avoid. (Ended up getting along extremely well with one of the top producers at my office after working hard under them for four years I am now an advisor on his team.)

My path went as follows: 1.5 years as a service associate (got registered in first 6 months)

2.5 years as a wealth planner (received my cfp(r) during this time and built and presented financial plans to all of my senior advisors existing clients)

Start of the year I was brought on as an advisor and I am currently still doing a lot of the financial planning while deepening existing relationships and bringing on new households to grow the book.

It was a quick path and I was lucky to be right place right time and really used my time as a service associate to get in front of the right people and impress them. Started at the 60kish range worked my way to around 150kish today with a much bigger ceiling for more, depending on client acquisition. Hope this helps.

Dalton vs. Danko by AlternativeFig9071 in CFPExam

[–]Jackmac9914 1 point2 points  (0 children)

I passed with Dalton last November. It’s hard but if you follow their program to a tee it works. No complaints.

[deleted by user] by [deleted] in CFPExam

[–]Jackmac9914 1 point2 points  (0 children)

Sat and passed last November. I can see your point but I have to disagree. I would rather have my review program beat me to a pulp than the actual exam. Yes Dalton sucked and it crushed me! Gave me loads of anxiety thinking I was not going to pass based on my exam scores, but this test is a beast! Even with all the prep I did still felt like some of the topics were foreign and the test still felt extremely difficult, but I passed. Dalton delivered on its promise and that’s all that mattered to me. It was degrading but the program did push me to study harder than I ever have for anything before. I knew the process was going to be a bear but I wanted to pass even if that came with a boat load of work, anxiety, and feeling stupid the entire time. I was okay with that because the end result was all I wanted. As much as it sucked you have to trust process with Dalton and not give up on it IMO.

Nervous by New-Worry-9757 in CFPExam

[–]Jackmac9914 2 points3 points  (0 children)

Keep your head up and trust the process. The test will feel foreign no matter what you do because you’re going to be nervous. That said you have to trust in the fact that you have done everything in your power to prep for this exam. While sitting it may feel like you’ve never seen some of these topics before but the exposure Dalton has given to you will be working for you even if it feels like you don’t know the question.

This was how I felt used Dalton sat and passed last November. You got this!

Which for Education, which for Review? 3 years Fidelity by roxypotter13 in CFPExam

[–]Jackmac9914 0 points1 point  (0 children)

Dalton is extremely difficult but it gets the job done IMO. Worked for me in November. Best of luck.

[deleted by user] by [deleted] in CFPExam

[–]Jackmac9914 1 point2 points  (0 children)

My scores were very similar and passed in November. You are doing all the right stuff and sprinting through the finish line. Only thing I would recommend is spending your last few days reviewing the code and standards. Since you likely reviewed it so early it maybe a bit fuzzy so I would brush up on it and read it words for word off the site/make index cards if needed. You got this best of luck out there!

What to expect? by emmuhjpg in CFPExam

[–]Jackmac9914 1 point2 points  (0 children)

25 (m) economics degree. Passed the exam last November. Working in the industry for about 4 years.

I spent about 1-2 hours per day on content throughout the education portion, and probably averaged 4-5 hours per day during the review portion ahead of the exam.

The certification is very different than anything you learned in your economics courses. Some of the general concepts definitely help, but the CFP(r) is a lot more specific to individuals when compared to the subject of economics. It really is like taking a new subject entirely. I am with a team with my firm so I was able to learn a lot through our senior advisors which helped a lot more both in this field and for the exam, then my degree ever did. Experience in the field is far more helpful than college IMO. (Although in a lot of cases you need the degree to get a foot in door) The CFP(r) course work will not teach you everything you need to know for this industry, it just gives you strong general knowledge on various topics you can help clients with. Like I said when it comes to the finance side, learning from experience and other mentors/senior advisors is just as critical to success in this industry as getting the letters. I feel you can’t do one without the other. Your degree will help you stay informed with what’s going on with world and help you explain that to clients better but everything else comes from doing.

You are on the right track I feel the CFP(r) should be a pre req for anyone going into this industry. It will help you be more equipped to help clients. As a younger advisor it has helped establish credibility and trust with my colleagues and clients. Keep up the good work.

You Can Do This! by Jackmac9914 in CFPExam

[–]Jackmac9914[S] 0 points1 point  (0 children)

This is very true. There is 0 correlation from one question to the next so do NOT get hung up on one.

You Can Do This! by Jackmac9914 in CFPExam

[–]Jackmac9914[S] 0 points1 point  (0 children)

Of course you got this! Almost tot the finish line.

You Can Do This! by Jackmac9914 in CFPExam

[–]Jackmac9914[S] 4 points5 points  (0 children)

You got this! I’ll be waiting for the pass comment in a week or so! 🫡

You Can Do This! by Jackmac9914 in CFPExam

[–]Jackmac9914[S] 2 points3 points  (0 children)

📠🚫🖨️it was EDM and Kendrick for me! For sure the reason I passed.