10 exam-style questions with answers and explanations, straight from our 1,030-question bank. Tap an answer to check yourself. When you're ready, take the scored version in the free practice test.
The CRC exam has 200 questions and runs 4 hours.
These 10 free CRC questions are organized by exam domain, so you can see how each part of the Certified Retirement Counselor blueprint is tested. Reveal the answer and explanation under each question.
During an initial counseling meeting, a client says retirement success means more than having enough money. What should the counselor explore first?
Correct answer: A - Qualitative retirement goals and lifestyle expectations
A client is embarrassed discussing finances. Which counseling approach is most appropriate?
Correct answer: A - Build rapport and use active listening
A retiree fears a market decline immediately after retirement could permanently reduce portfolio sustainability. Which risk is this?
Correct answer: B - Sequence-of-returns risk
Which investment measure describes how widely returns vary around an average return?
Correct answer: A - Standard deviation
A client evaluating a Roth conversion should primarily consider which factor?
Correct answer: A - Expected tax circumstances
Which retirement strategy can provide lifetime income while potentially allowing investment participation?
Correct answer: A - An appropriately selected annuity
A couple has $70,000 annual expenses and $35,000 Social Security income. What is the income gap before other resources?
Correct answer: A - $35,000
A new retiree struggles to replace a paycheck with planned income sources. What is the best counseling focus?
Correct answer: A - Align income sources with spending needs
Why should healthcare coverage decisions be included in retirement planning?
Correct answer: A - Healthcare costs can affect retirement sustainability
A review finds beneficiary designations no longer reflect a client's wishes after a divorce. What should the counselor recommend?
Correct answer: A - Review and update beneficiary elections
The full bank has 1,020 more CRC questions with explanations.
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