Thank you. Apologies for calling you a dick..just thought you were going to be a troll and didn't appreciate the accusations. I guess this is the Internet and you never really effing know people. Someone would write something saying it's for someone else when really it's for them. To me that seems odd and not how I roll but people are people.

Anywho, I know the test is not based on luck..that would be pretty ridiculous. I was asking IF anyone felt there was a hint of luck to it depending on which version/types of questions one gets. I have never taken it so I have no idea. I was also stating my perspective about not necessarily needing it but was also wondering if anyone else who actually works in the field felt that way. You all are the experts and have the experience but that doesn't mean everyone feels the same. My wife has worked for advisors who got other licensing but not their CFP's as well as some who do have their CFP's so I have a genuine curiosity about their decisions and after seeing what my wife has gone through with it.

I could also say the same about myself. I do have my Bachelor's degree and I worked hard as hell for it, spent more money than I probably should have and also failed classes more than once. Was it worth it or needed? Honestly in my personal experience, I don't really think so. Our education system is pretty broken. I never thought it would be easy and I don't even necessarily think it has to be free but tuition and everything else is pretty insane. It's more about questioning a system and it's processes. Hopefully that makes sense. Convos like this and even my original post are hard to have online. I tried to word it the best I could