Fincert Certified Personal Financial Counselor (CPFC) Practice Exam

The suggested first question to ask a client upon introduction is focused on their motivations and objectives, which establishes the foundation for the counseling relationship. Asking what brings them to the meeting opens the conversation in a welcoming and non-threatening manner, allowing clients to express their concerns, goals, and expectations. This approach helps the counselor gain insight into the client's current financial situation and establishes a dialogue that centers around their needs.

Beginning with an open-ended question like this encourages the client to share personal insights and facilitates a more meaningful exchange, helping to build rapport and trust from the outset. It also positions the counselor as an active listener who is genuinely interested in understanding the client's perspective, which can be critical for effective financial counseling.

Other options, while relevant, may not serve as effective opening questions. Inquiring about income level or debts could make the client feel defensive or judged right away. Asking about budgeting may assume expertise the client may not have, potentially alienating them. Starting with an open question about their motivation fosters a positive environment for discussion and can lead to a more productive session.